Hi, My Clearscore report has just updated, the only change was one new protective registration has been added to my report, my score had not changed. In the protection section it gives a case ID and my address. It states NOT GRANTED 18th May 2017. Fraud Date: 25th May 2017, Case: Identity Fraud, Supplier: Callcredit PLC. I have no idea what this is about. I have googled it and that led me to the CIFAS website, but their site doesn't appear to have an explanation for what I am seeing on my report. Does anyone know what this is? Can it be seen by creditors if I apply for credit?

The cheque has arrived this morning - the attached letter simply states please find your refund enclosed. I really don't know what would have happened if it had gone to court. All of the information I read from the OFT were guidelines, not actual rules, so would have been totally down to the Judge's interpretation as to whether any of the terms were considered unfair. I might simply have got it because it was cheaper to refund me £204 than to travel and defend the claim.

Below is the link to the article: https://www.theguardian.com/money/2015/nov/09/virgin-experience-balloon-flight

I did a lot of research into this - although I failed to find a successful court action, and only a few details of a failed case. I did find an article ran in The Guardian in 2015 where the journalist successfully got a refund for the customer and I got a copy of the OFT guidelines for unfair terms in entertainment contracts. I emailed the Journalist and to my surprise not only did they respond but were willing to help me obtain a refund. I sent all of this information to Virgin and they have issued me a cheque refund today.

The reasons for the cancellations were legitimate - once raining, twice higher winds at altitude and on the other occasion it was misty in the morning at the take off location. My argument was unfair terms. I was refused a partial refund less an admin fee and the firm refused the involvement of an ADR firm.

Hi, Thanks for your response. It was 4 times in 2 years. All 4 times were due to weather. Once a flight was cancelled I would have to wait for another to become available in the area my vouchers were valid for and then go through the process of getting time booked off work etc. My 5th flight was booked for March 21st - it was unlikely weather would be good enough in March but if I don't have the vouchers booked for a flight then they expire. I have sent a LBA, but I have not found a previous case. I will get looking into that now.

I see, thank you for your advice

Hi, I purchased two hot air balloon flights in 2015. Due to weather conditions the flights I booked and subsequently booked were cancelled - this happened 4 times. The person I purchased the tickets for is now pregnant so cannot fly so I have asked for a refund. I have been refused any refund and it is in the t&c's that the vouchers are non refundable. Would I have any chance of success challenging this in county court citing the consumer rights act 2015 - unfair terms in a consumer contract provision? I have paid £204.00 and not received a service. Thanks

My Clearscore report has updated today and I have noticed that a marker is placed if a minimum payment is made on one of my credit cards. Is this information given to banks etc if they perform a credit search and does it have a negative effect on how I am scored?

I hold a Vanquis card and went through a huge process to get my charges refunded, but if it is 2 charges and the first time it has happened a letter of complaint might be all that is needed to get a refund.

Thanks for providing the links, I'll read through those now. I only raised this to HSBC recently so might be a while before I get a response, just had a generic acknowledgement at present. Want to be as prepared as possible for when they send an actual response.

Hi all. Is there a time limit on attempting to reclaim packaged account fees? I was charged for a packaged account with HSBC between November 2008 and December 2010. They continued to charge the fee even when the account went into an unauthorised overdraft and closed due to default in December 2010. I believe I took the account having been told it would mean I could have an overdraft - which I never actually got. It also provided breakdown cover but I do not drive. I do not know what the other benefits were - I was suffering from mental illness at the time. The delay on me looking into this is due to my illness - I only obtained statements at the end of April this year. Over £350 of packaged fees, but most of them are over 6 years old. Does a time bar apply?

The ombudsman obtained my statements from 3 different banks - Nationwide, Natwest and HSBC. My complaints were all regarding payday lenders and other credit providers and not the banks themselves. Maybe my circumstances were unusual because so many lenders were involved, but I just gave them permission and they obtained them.

I raised a SAR to Vanquis about two month ago. I was provided with the same limited package of information, although all I wanted was the transaction log so it served my purposes. That arrived after about 4 days but nothing else came through during the 40 day limit. Despite getting the transaction log I still raised a complaint to the ICO, it took over 20 days for them to respond though so that is only just progressing. I wouldn't expect anything else to come from them unless they are instructed to do so.

Hi, Thanks for the replies. I have not had a letter from the ombudsman confirming their decision yet; my mother has received a letter from Vodafone today stating they are removing the credit file entries and issuing the £50. They appear to be jumping the gun because nothing has been accepted yet. Does the communication ombudsman follow the same process as the financial ombudsman - i.e. adjudicator investigates first, then appeals can be made to an ombudsman afterwards?

Hi, I was hoping to get some opinions as to whether an ombudsman adjudicator opinion on settlement is acceptable or whether I should appeal to an ombudsman. My mother had a contract with Vodafone, in October 2015 the contract was cancelled and I put the number in my name, there was no outstanding balance. In December 2015 my mother received a letter from Vodafone demanding £44.06 outstanding, I immediately went online and complained - I received two emails from Vodafone on December 13th stating no outstanding balance. This non-existent Vodafone debt was passed to a DCA named Zinc group who began chasing my mother. We wrote a recorded delivery complaint to Vodafone and got no response. Once the time limit for going to the ombudsman was reached we went to the communications ombudsman. Zinc group continued to hound my mother until April 15th 2016, despite me informing them and the ombudsman requesting no recovery activity to take place whilst the investigation was carried out. Plus Vodafone have been putting negative entries on my mother's credit file which has seen her score drop by over 150 points in the last few months, it is the only negative entry for her. The ombudsman adjudicator has upheld my complaint, I know this from a communication from Vodafone, I haven't had the ombudsman letter yet. They have instructed Vodafone to clear the false debt, remove negative entries from my mothers credit file, and issue her with £50 compensation. This amount of compensation seems low considering this has been going on for 6 months, I was expecting more like £150. Although I have had many debts, my mother never has had any and this is the first time a debt collector has ever chased her. So it caused her stress and sleepless nights. Since this is my mother I'm pretty angry about the whole thing, so just wanted opinion on whether this is a more than adequate resolution and requesting more comp would be unreasonable, or if I should try for more.

Yes, I was really surprised. They showed absolutely no sign that their decision would change throughout the complaint process. I was that sure it would have to go to court I had already prepared the claim on MCOL up to the point of payment. Their resolution admitted no liability and was as a goodwill gesture. I took the card out in March 2010, online, so the credit agreement was perfectly legit as far as I could tell. I don't know if they caved because I was so persistent or simply because it was a relatively small amount (to them) so not worth the hassle of defending.

I complained about the charges on this credit card debt to Capital One, who did not uphold my complaint. I went through the FOS service and neither the adjudicator nor the ombudsman upheld my complaint so I rejected their findings. I emailed a LBA to the Capital One executive office giving them until Friday 20th May to respond. Today they have agreed to refund all charges plus interest which wipes out all outstanding balance plus a refund cheque to me for £187.39. I will see over the next month or two what will happen to the default currently being reported by Cabot, I am not certain if that will be removed or listed as satisfied. I did not include it's removal in my settlement as it is due to drop of next year anyway.

I have had quite a few complaints reach the ombudsman and then they have asked for my bank statements. When they have I have provided the account details and they have obtained the statements on my behalf.

The ombudsman have upheld my complaint for irresponsible lending and instructed Sunny to remove all interest and charges, and remove all record of the loan from my credit file. In an unexpected move Sunny have cleared the principle amount as well and emailed me stating I need take no further action.

Acknowledgement of service received 26/04/2016 stating that Vanquis intend to defend the full claim. I wonder if this will end up in a court room?

Sunny finally responded, and they have not accepted the adjudicators assessment and have requested an ombudsman to review the case. Don't know what the outcome will be on this. My credit reports have just updated, on Equifax and Call Credit the loan shows settled (After 4 missed payments), where as on Experian a default has been applied. I thought maybe it was just a delay on Equifax and Call Credit but Experian had the default in Feb. Don't know why they differ.

I accepted the ombudsman adjudicators findings but Sunny have stopped responding to the ombudsman service. Their deadline is today. If they do not respond then the whole matter will have to be assessed all over again by an ombudsman. Extremely frustrating!

Done, looking back I should have done that in the first place as all I've done is give Vanquis two months extra preparation time.

I received a reply from my ombudsman adjudicator today, they state as follows: "Vanquis has shown us that its charges of £12 are broadly in line with its actual and estimated costs of default and follows the general legal principles outlined by the OFT’s statement." Looks like my only option would be to go to court for any chance of recovering the charges.