Visa debit card.

I purchased a 32inch combi TV from Finlux direct on 16/06/2014 and the TV worked fine until six weeks after new purchase. Because customer must return goods at their own expense after the 14 day (no fuss) perio, I sought advice from the Citizen's Advice who now deal with much consumer complaint matters. Their instruction was for me to write them a letter explaining the sudden break down of the television, that they must under sale of goods act 1979, goods unfit for their intended purposes and offer a free returns service or refund for the return of TV if I paid for the return. Their response swift and theyagreed to full refund as well as collected tv on 06/08/2014. However, they did not stipulate when the refund would be issued and have called and emailed them with no response yet provided. Because they clearly want to make some profit on the paid goods as the cash sits in their bank as told to me by someone in the know about retail affairs; feel that they might not refund me in a timely manner - some websites, other disgruntled Finlux customers with same issue as me, are stating that they too are having problems obtaining their refunds. I appreciate that they will have likely checked the goods out bu now, or soon will be, yet unsure of how long you must wait to receive response from a direct online retailers when a refund is required.

The letter you received from the organization, write back asking if they are the property landlord, as it would appear to me that they are from what you have said. Yet to be completely certain, best just to write back to the acknowledgement letter saying that: 'further to your correspondence with them, because the littering still an ongoing matter, I need to escalate my original letter of complaint to that of the managing director of the housing scheme, so that appropriate action can be sought, and a 'nuisance neighbour prevention' case be filed. For myself to do this, I therefore need confirmation from yourselves, that you are indeed the landlord of the property my complaint raised.' Once you have done this, then you can make an informed decision as to who you should file a 'nuisance neighbour prevention' case. Ammend the letter above as I have written it as a template for you to work with - I wrote this same kind of letter when I had the same issues with my neighbours, but still have to chase them up as problems resurfacing a year later. Hope this helps.

My fingers are crossed for you - I find academic studies mentally stimulating too; yet hope that it gets you to where you are wanting in your life-journey!

Thanks Fletch - It sort of gave me a dizzy shock having had the student-loan -statement through that showed inflated interest rates!. I had completely forgotten about the whole thing of student loans until that. You can actually get the loans written off if you can prove long-term disability (according) to student finance web pages - though you have to be permanently 'unemployable' which I am certainly not. I think that they should only ever ask people to repay back their loans if earning in excess of £50'000 per annum - they can certainly afford repayments: (unlike) someone on say, £15'000 or even 21'000 per annum. Fortunately my income is not enough at the present to be subject to repayment!. Good luck with your Degree - I don't highly rate academic achievements as I once did - couldn't get into many jobs as they said that I was over-qualified! . Hopefully this is not the case for you, and that you will be studying to advance existing employment skills or purely for leisure purposes?. Most people I went to University with, could hardly get into good paid jobs as employers wanting top-ranking on-the-job skills - not educated sorts - even in project management jobs; they prefer you to have been an office cleric for 10 years, whether or not you have any other relevant talents for the that kind of role. It is truly absurd how it all works - I have worked in the most menial kind of jobs you can imagine, that are well below my skill set, because having a degree or two.

When I worked at Virgin Media in 2008 I had begun repayment, yet was only employed there as a temporary stand-in for eight months approximately. Since then, I have not been in paid work - only part-time work from 2010-2012 and not earning enough to make repayment. I am currently in receipt of disability benefits since 2012 due to long-term mental health conditions.

I love Richmond park - full of pouncing deers and dawdling ducks! I used to live in a part of Hampshire where cyclists took to the peddle-reserved waterways, and miss that now I live in Woking. There are nearbye canals by me, yet you have to cycle to get to them on the main roads - where I am just not confident to go on these. I used to be a gymnast in my earlier years - being 41 and nowhere near as fit, adds to the lame excuse of not getting back on a bike!

You have received so much helpful advice already, yet just wanted to give a little advice myself if that is good with you?. I live in a private residence that also houses vulnerable adults with varying degrees of mental health conditions. I am a voluntary warden as well as a respectable tenant, yet have the responsibility of overseeing the management of negative behaviours I then report to the manager of the housing scheme. I completely empathize with your situation, and you should certainly not have to tolerate anti-social behaviours from your neighbours, regardless of whether they are vulnerable adults or not. As the ever-intelligent Bank Fodder has sugessted: document all activities - however small and trivial - right through to the discarding of their waste matter over your garden. You have the right to enjoy your property without intrusion; negative or destructive behaviours from those who do not show intelligent respect of your rightful peace. It is deemed as 'tresspassing' and in some instances of poprieter protection law: adverse possession, if neighours or even strangers tresspass your property and inhabit it as if it were their own. However, the best course of action as always - talk to the property owners - only write them a serious letter of complaint if the problem still exists after talking-it-out with property owner, and does not resolve the matter. In desperate measures, the Police can be contacted and get involved if the neighbours are using deliberate intimidating behaviours - something which even, adults with learning difficulties, are capable of conscious of behavioural misconduct, and you should not be afraid whatsoever, to address this in a letter of complaint or to the police if absoloutely necessary. Vulnerable adults are protected by human rights laws - yet only to a marginal extent if their care-wardens are not doing their job by allowing them the ultimate freedom to behave in ways that intimidate - and/or threaten others on a persistent basis.

I wish that when I had gotten myself into a financial mess with Wonga in 2012, the FCA had have taken the necessary action they ought to have done all that time ago! - I wrote to the FSA in 2012 yet they simply passed my complaint onto the Citizen's Advice team, who also advised me to contact the FSA - it was a roundabout circus at the time, that merely added to my own despair.

That's a terrible shame - they helped me. The FCA definitely has significant consumer protection clout above that of the CAB, yet when I did write to them, they simply put me through to the CAB in th end.

I have a fantastic vintage racer and would really love to hop on and cycle a good few miles each day to get fit. Yet, I fear that it could be considered uncool and perhaps, inspiring of motorist disgust and loathing to have yet another pedestrian on the roads - blocking their traffic flow - regardless of how sensible the cyclist may appear - or not. In Scandinavia, where some of my very own gene-pool originates; more than chick to be seen peddling anything with two-wheels, yet certainly not the case in the UK. I can drive, and have driven a spectacular reliable car from time to time, when it has been necessary to go out of my way, and especially when I lived in Canada - the nearest shopping center of a sort, was a good ten miles out from my location in the prairies. Motoring perhaps, a necessary evil in a country where local shops are few and far between human pupulous, yet everyone with a car in the UK it seems, (rarely) if ever, walk or cycle to their nearest supermarket. Certainly not where I live anyway - it is like a F1 track outside of my place of residence - no exaggeration either. I want to feel that it is cool and acceptable to cycle, though am just not convinced that it is anymore.

Hi there, You have already received some great replies already, yet did want to say that they can at their individual discression: accept payment installments if you have a letter from a legal representative, informing them of your financial hardship - the Citizen's Advice Bureau will happily do this for free. I once fell into the exact same 'pay-day loan' trap as yourself whilst I was working, and automatically helped themselves to my bank funds after a failed repayment date. I was fuming at the time - had no real idea that they could do this. There is a part of legislation on their website if I recall, where it clearly states that they will attempt to take loan repayments (on and after the due-repayment date) if the loan not repaid in full etc etc... They took multiple payments from my account, that led to crazy bank charges!. I think before you do anything, such as make a repayment, if they have already taken money from your card, do not then use the bank details that Huggy has kindly provided you - you will then have to repay not just any outstanding loan charges, yet vast interest rates in one scoop. I once made a repayment with their bank details, and they still said I had not repaid the loan and gave negative credit score. They need to freeze any interest rates you cannot afford to repay on top of outstanding loan repayments, and why I strongly urge you to go along to the Citizen's Advice, who will do the work for you and protect your consumer rights at the same time.

Kindest thanks Andy.

I have been a mature student in the past and attended at least two different Universities - one in 1999 and another in 2002. Neither courses were completed for reasons to do with past childhood abuse trauma that has impacted upon my adult life to an extent I never imagined possible, and has affected job prospects as well as integral self-esteem about achieving a career of somekind. I have recently received a shocking student loan statement, that shows how much I owe in terms of past student debts, and the interest that is being wacked on each year - despite the fact that I am not in work and - in receipt of vital disability benefits due to my mental health conditions. The statements are not requests for repayment of the loans, yet, I am wanting to find out if there is any possible action I can take about having the loans written off, and especially in view of the fact, that it is doubtful that at 41, I will unlikely be in a well-salaried job. I understand completely that the vast majority of students will incur debt via having taken out student loans in their time; yet in all honesty, these people will not be in the kind of vulnerable-adult situation that I face - I also live in long-term supported housing. I also understand that unless you are earning a salary as low as £15'000 per year or whatever it is now, you only pay a minimum back. Yet what I am trying to establish, is the fact that former students should not be made to ever repay loans if their personal situation is exceptional as mine is and will be for some time. I am positive that I can get these loans written off, as they can and do in the United States, here in the UK. I am not wanting morally charged answers to my question, just someone who may be able to offer me helpful advice.

Thanks for all the wonderful responses. I have not written to them about the failed credit, as I once did in the past, about another Orange phone - I never received replies to them. I also demonstrated my angst about the suppossed free-credit with Tesco - that did nothing more than get me an apology, and contact details of Orange itself. I would not be able to afford to take Orange to court Bank-fodder - it once crossed my mind whilst I was in a well paid job, yet am not in that position anymore. I did email Orange: olaf (This is Oranges CEO) as suggessted by Rainbow Tears, now waiting for a response from him. I also emailed the chief executive of Orange, to explain how it was that I cannot make a call to their customer-services without phone-credit. I will await the responses of the two emails sent, and will try and also get a refund from the newsagents I purchased the top-up.

I thought that I should start a fresh thread regarding the on-going, Orange PAYG mobile phone misery as the one started on here by another user, is somewhat out of date, and seeing that problems with Orange remains unresolved for many, myself included; best to re-address the problem again. My situation: I purchased a neat affordable PAYG mobile phone from Tesco Direct in Dec 2012. It had come with a complimentary free £10.00 top-up that, once the new Sim was inserted into the phone, the credit would thus be activated. However, this never occurred, and I had spoken to Orange, who stated that Tesco was responsible for the free credit. I sort of went round in a few dizzy circles with both Orange and Tesco, and never did get that free credit placed on my phone, regardless of who I spoke with. Then, just recently, I topped up my mobile phone with my Orange Top-Up card that has not yet let me down, only to discover that the credit I placed on it, did not go onto my mobile phone. Because I don't have the credit to call Orange - not a free customer service number exists for them; I managed to find their executive's email address and reported the complaint via email to them - I am yet to receive a response, yet a little hopeful of one. As you may be aware, if you are an Orange customer: their website that coexists with EE - it is not a communication platform for general inquiry into problems with phone credit etc. You cannot email them whatsoever, and just click appropriate links if you have had your phone stolen for instance. This now leaves me in a miserable predicament, having to take the issue up with my very trustworthy shop-keeper who topped my phone up, I have since lost the receipt of the transaction that took place on 20/06/2014. However, it clearly went onto the Orange Top-Up card that Orange themselves will have a database log of all consumer purchases they cannot erase at least until six years under the data protection act. The proof of payment is not really the issue here, with the above in mind, yet the fact that Orange have been doing this to consumers since 2008-9 if I read the complaint pages that are dedicated to the Orange PAYG misery - are truly astonishing to read. So what do I do or any other Orange customer, when they are unable to make free calls to their customer-service numbers, other than compose a letter of complaint?. I had once wrote to them before a few years ago about a different phone issues, and sent at least two recorded-delivery letters, they never once responded.

Hi there, I am new to the forums, but need some support and advice regarding loan-finding/brokerage charges that have recently affected both myself and my partner. My partner was charged three amounts of £35.45 within the past two weeks and has now had to replace his Visa Debit card with the bank so that they can't take any more unauthorized money. We stumbled across the company called Smile Finance who had taken the fees - we were 'duped' into paying one amount of £36.34 during an online application for a short-term one month loan that never materialized, so ended up paying this money as a subscription type of fee. When you make an application - even with a direct lender as we had in our case, not just pay-day ones; the loan application form automatically processes; directs you to a fee agreement page (often not) made entirely visible the fee charge, so your debit card gets charged regardless of whether you sign the agreement or not if already provided Visa debit details on the loan application form itself. Smile Finance had promised to repay the amounts after making calls to them from his bank, but have twice failed to repay on agreed dates set by themselves. We have reported the matter to Consumer Action via the Citizens Advice website that now deals with all consumer-related affairs; yet still awaiting responses from them. We also reported it to online Fraud team because the other payments they had taken were certainly not authorized, and my partner is £100 out of pocket just as Christmas has arrived, and Smile Finance does not respond to emails whenever you email them. The FSA have also been contacted yet are of no real help in this matter as it is apparently the Office of Fair Trading that regulates Loan company bodies of all shape and size - I once wrote to them regarding a similar matter a few years ago, and I know from experiences that they do not do anything in consumer-related affairs and merely pass you onto Citizens Advice consumer Action. I have also had a fee of £39.99 from a company called LM loans I had filled in an application for a refund request that can take 30 days, but they do not respond to my emails either and, although reported it to the Citizens Advice; no progress been made regarding response or action. Is there anything anyone who reads my post advise me, about what else I can do to get our monies back from the above mentioned Loan services?. We have both definitely learnt our lesson about applying for loans online, and never will again.

Whenever the Department for Work and Pensions try to extort money from you through any means (including) debt management services, be sure to see a Citizen's Advice Bureau specialist - they will write directly to the appropriate benefits people on your behalf, even if it means queuing to see someone to help you resolve the issue at hand. First point of call with the benefits is always through written communication (you retain all proof of correspondence) in case of any misdemeanour's on their part. If you call, yes someone will respond, yet they are not officially the people you should be dealing with when it comes to complaints and queries - the people on the end of the telephone are mere customer service representatives with some trained knowledge of the benefits system, yet they can only make brief assessment of any individual case with access to handbook-rule guides. For any person that claims benefits and has their claim stopped or sanctioned, no matter what the reason, your only official way to communicate is through written communication with a helping hand from someone with legal insight. You will never get anything resolved via telephone conversation unless you just happen to be fortunate to have a sympathetic listener with some amount of powers to reverse a default on your claim. Overpayments = Debts = Void after six years Even in the instance that anyone has a debt that is six years old or more, the DWP or their legal representatives are obliged to write them off under the limitation act 1980. Non-Existent Overpayments: The only way forward is to ask for a legally trained person to communicate on your behalf surrounding this dilemma - Going it alone does not have the kind of legal clout that someone with legal knowledge has, and will get you results with a positive outcome.

Hi there, Thanks for your prompt reply. Clearly there are some communication issues between branches and remote advisors, so going back to the original source of inquiry will be the best course of action in my situation, though should really have taken the name of the advisor I spoke to and didn't, so this is one lesson learnt. I did make a bit of a drama today in the bank and really pushed the patience of the female assistant who I spoke with, but she was so patronizing and informed me that at least bank charges have gone down within the last year so as if to make me feel that it is still okay for banks to have the kind of autonomy over customers they simply shouldn't boast. I hadn't heard of the action line before, so will definitely give this a go asap and explain the dilemma. My greatest concern about all of this is how it is going to affect my credit rating score when I need to apply for credit to get some new furniture? - do you know if banks influence your rating based upon bank charges?

Hi to everyone, I am new to the site so hope I have posted my queries in the right thread? - thanks in advance for reading my post. Just recently, a cheque I paid out to a friend for £30.00, the money was taken that very same day from my account that did not have sufficient funds, therefore I incurred a bank charge of £35.00 that I would have to pay by the end of that same month. My wages went in the very next day as anticipated, so they redeemed the - £30.00 to cover the cheque amount they kindly paid to the recipient. Because of the circumstances and not being aware that banks can clear a cheque from your account within a single day, I contested the £35.00 charge with a Natwest advisor over the telephone and explained that I simply could not afford to pay them due to living on state benefits. They then agreed that a £5.00 charge would suffice instead and perhaps because they were empathetic with my situation? However, the bank had taken £35.00 from my current account, changing the agreed amount without consultation. My account went overdrawn again as a result and am now left with a further £20.00 charge I have to pay by the end of this calendar month. I am left feeling betrayed and very angry about their conduct and demanded to speak to the bank manager this morning, but the branch assistant made it clear that she would be the one dealing with the matter. She argued the case that no note had been made on the system by the advisor who agreed that I should only pay £5.00, so the issue wasn't with the bank and that it was all my own fault. I said that I was going to seek legal advice because I wasn't at all in agreement with the charges and felt unfairly penalized. I would be extremely grateful of any advice and if other people on here think that I am being unfairly charged?