Council has overpaid me for the last year and now I have been to ask to pay it back £1460. They claim I didn't update them that I had moved. They ask for previous address and give them a copy of utilities bills and bank statements which I did. I had someone ring me (I should call MR A) that I still owe them £1460 and I explained that you ask the copy of the bills etc. MR a response 'I can't be bother' and 'I don't know' he didn't even give a official reason why my complaint was dismissed. I made another complaint to the complaints department. Which they apologize for Mr A behavior etc etc. and they did found out I did call them and I had UPDATED the council that I had moved but they fail to act on that information, and I had email them on my current address, which was still in the same Brough. They claim they never received such email even though I have their acknowledge email. They claim if I moved out why I continue to accept HB. I explained to them I had emailed them 3 occasion and I had received acknowledge email from. I expect it was done, and even phoned that I had move out of the property. Well even though the council was informed and it is not my fault, I still have to pay back £1460. Well I complaint to LGO they claim it maladministration but they said I could appeal which I am planned to do. But now MR A says I got till next week Wednesday to make some kind of payment arrangement. But if I was privately renting which I have no rent agreement...How do I prove I was renting off a friend??

I was told it I could downgrade my contract after 12 months if I paid the admin fee. But couldn't after they took the offer off on Dec 11 , and failed to inform me. Under their T&C. I should of been inform a month before the offer was taken off, under the clause 4.1, should of been notify a month before So I argue if they informed me on NOV 2011 I should able to cancel the contract under clause 10.1 D on Dec 2011. and claim back the charges for Jan 2012 to Jan 2013.

Update took them to small claims and won They cancel my contract and given my PAC code and waiting a 1 year worth of monthly charges coming back to me.

Thanks but he me told regardless if it a new contract or upgrade I must be shown the T&C if there are unreasonable causes for the consumer, it under common law. Plus my 1st contract with three didn't have T&C it was just a receipt and the phone. Since it simple contract that did not refer any T&C and did not highlight the unreasonable causes. Since it wasn't highlight there must be cause to balance out it in layman terms. (which section10.1d) Since I was told I could change my contract after 12 months and Three admit to it that I was told 'I could downgrade to any contract, and took the offer away on Dec 11 (I have it in an email when I 1st complain to them) Since they never told me I can cancel I my contract under section 10.1d which they turn round and said no, because their argument was we can varied the T&C. The resolution was I can downgrade my contract of my choosing or cancel my contract without any ETF charges under 10.1d Right now it with ombudsman the 1st person I dealt with just agreed what three said and said I did not produce the evidence about the downgrade which I did, She phone me and I told her which page and date to look for it. So right now it with the 2nd reviewer but right now I not having high hopes with ombudsman. So I might have to take it further

Mis sold contract, I was told that I could downgrade my contract after 12months to any price plan as long I paid the admin fee, which was fine with me. Well come 12 months they said no. Now I could only downgrade to certain price plan, it now with the telephone ombudsman which must agreeing what 3 says even though I present them the evidence and 3 admit that I was told that, and that they took the offer away on Dec11. I also spoke to a friend who a solicitor he told me what you is not true. As I complete my previous contract. I have signed up to another 2 years on a new contract, that I should of been given the T&C on the day. To read and to highlight the unreasonable causes. Anyways I was told the contract is unfair & mis sold due to fact 1. I entered into the Contract with the Company based on the verbal representations made by their Staff who sold me the Contract at the time 2. The very simple Contract I had read did not refer to any terms and conditions and at no point was I informed that there would be additional clauses which would significantly alter the contract. 3. The fact that the Company have said they wished to change this old policy due to financial budgeting of the Company is painly unfair to the consumer – I should have been notified of any changes and any additional terms and conditions they wished to add. Also from the start 4. Under Common Case Law they should have informed me and drawn to my attention such unreasonable clauses which obviously take advantage of my position as a Consumer which they Three hasn't

I upgrade last year but was not given T&C all I got was 2 pieces of paper. [/img] [/img] Is the contract is still valid if I was NOT given the terms & condition. I am having long running long dispute with Three

Be making a donation soon. Just made small donation. Not much but hopefully when my situation improves I make a bigger one.

Little update and it taken 2 years to get the result I want. Got the default removed from my credit report and a letter confirming 'Notice of Discontinuance' many thanks for people who reply and given good advice

Just quick update right now it has taken this long to get a reply from them. And all they can come up with is this. What the best way to reply.

After 3 months of no contact from them, They sent me another email that I havn't reply back to a letter that they sent out last week. which I never recieved. Which I reply and got this in the email. I been dealing with them via email since March. Isn't a bit late for asking me this info no? Dear To enable us to discuss the account via email please complete the following authorisation requirements. Please note that until the authorisation has been received we are unable to disclose any confidential information to your email address. In order to provide this authorisation please send an email to [email protected] and confirm all of the following information: 1. Name 2. 1st Credit reference 3. Date of birth 4. Current address 5. Email address you are authorising us to use 6. Contact number (Home/Mobile) Failure to provide all of the required information will result in your authorisation not being accepted. Alternatively, you can provide the authorisation by contacting our office on 0843 320 0050 or by sending a signed letter to the following address: 1st Credit Ltd P.O. Box 278 Reigate Surrey RH2 7WB We aim to answer your query within 48 hours of receipt, however due to the large volume of emails we receive this can not be guaranteed. Kind regards, Laura Martin Offline Collections Collections Department Switchboard: 0843 320 0000 Fax: 0843 320 0070 Email: [email protected] IMPORTANT NOTICE This communication contains information which is confidential and may also be privileged. It is for the exclusive use of the intended recipient(s). If you are not the intended recipient(s) please note that any form of distribution, copying or use of this communication or the information in it is strictly prohibited and may be unlawful. This communication is from 1st Credit Ltd whose principal office is at The Omnibus Building, Lesbourne Road, Reigate, Surrey RH2 7JP, United Kingdom. If you have received this communication in error, please return it with the title "received in error" to [email protected] then delete the email and destroy any copies of it. 1st Credit is a Registered Company in England and Wales. A list of Directors names is available from 1st Credit's Registered Office: Hill House, 1 Little New Street, London, EC4A 3TR. Registered Number 3752940. Please consider the environment before printing this E-Mail

Right Iam at a lost what to do. I don't even think they even read the letter, emails that I send. They even don't know what day I send my emails!!! This email was sent to them on 28th March & 8th April (so dont even know where they get 30th March) I have received your letter dated 26 March 2010. I would like to point out that you have misstated the Consumer Credit Act 2006 Section 15. 11 The repeal by this Act of— (a) the words “(subject to subsections (3) and (4))” in subsection (1) of section 127 of the 1974 Act, (b) subsections (3) to (5) of that section, and © the words “or 127(3)” in subsection (3) of section 185 of that Act,has no effect in relation to improperly-executed agreements made before the commencement of section 15 of this Act. Therefore schedule 3, s11 of the Consumer Credit Act 2006 prevents s15 repealing s127 (3) of the 1974 Act for agreements made before s15 came into effect. Since the agreement would have commenced prior to the inception of the Consumer Credit Act 2006, section 15 of the 2006 Act has no effect and the Consumer Credit Act 1974 is the relevant act in this case.

Ok thanks. Will update, and see how it goes!!!

I just got this on Sat I wrote to them March 5th to get an update of the Agreement, with the letter they sent on Feb 9th. Well she ignore everything I wrote!!!. Typical!!! I explain to them that I was still waiting for the agreements, and that 1st Credit will request from BC. She claim that the application form is valided!! Then she goes on about S127 is not vaild because of section 15. Well last time I check the card was made out on 2001, and that the 1974 Act still applies to me. a) the words “(subject to subsections (3) and (4))” in subsection (1) of section 127 of the 1974 Act, (b) subsections (3) to (5) of that section, and © the words “or 127(3)” in subsection (3) of section 185 of that Act, has no effect in relation to improperly-executed agreements made before the commencement of section 15 of this Act. Apparently I should more detailed about Section 61 and they supplied all the correct details to me. Well If i quote this To clarify s61(1) states (1)A regulated agreement is not properly executed unless— (a) a document in the prescribed form itself containing all the prescribed terms and conforming to regulations under section 60(1) is signed in the prescribed manner both by the debtor or hirer and by or on behalf of the creditor or owner, and (b) the document embodies all the terms of the agreement, other than implied terms, and © The document is, when presented or sent to the debtor or hirer for signature , in such a state that all its terms are readily legible In addition the prescribed terms referred to in section 60 CCA1974 are contained in schedule 6 column 2 of the Consumer Credit (Agreements) Regulations 1983 (SI 1983/1553) and are inter alia: - A term stating the credit limit or the manner in which it will be determined or that there is no credit limit, A term stating the rate of any interest on the credit to be provided under the agreement and A term stating how the debtor is to discharge his obligations under the agreement to make the repayments, which may be expressed by reference to a combination of any of the following— 1.Number of repayments; 2.Amount of repayments; 3.Frequency and timing of repayments; 4.Dates of repayments; 5.The manner in which any of the above may be determined; or in any other way, and any power of the creditor to vary what is payable How detail do they want it!! Last paragraph made laugh lol Anyways Iam planning to write another letter to them, but I am unsure is that the next best step. Starting to drag.

I got the same one as well. Lack of signage and mention of the use of CCTV, failing to give adequate advance warning. I know appeals have been allowed where the wording states “using a route restricted to certain vehicles without more description such as what vehicles are actually restricted. The appeal was upheld. and I use to drive there quite alot this my 1st one!

I got 1st credit email address if anyone interested. Don't know how they got my email. Plus you get automated response. Don't know if everyone knows or not so sorry for the repeat info. [email protected] Thank you for your email which is being processed and will be dealt with shortly. If you are sending an email regarding a personal matter, as we are unaware of who has access to this email address, we will not disclose confidential information to the email address. If you are happy for us to respond to your query and to correspond in the future, to this email address, including disclosure of confidential information, we require your authorisation to do so. In order to provide this authorisation please send an email to [email protected] and confirm all of the following information 1.Name 2.1st Credit reference 3.Date of birth 4.Current address 5.Email address you are authorising us to use 6.Contact Number (Home / Mobile) Failure to provide all of the required information will result in your authorisation not being accepted. Alternatively, you can provide the authorisation by contacting our office on 0843 320 0000 or by sending a signed letter to the following address: 1st Credit Ltd P.O. Box 278 Reigate Surrey RH2 7WB We aim to answer your query within 48 hours of receipt, however due to the large volume of emails we receive this can not be guaranteed. Thank you.