long story short i changed a number on a BT account i have and have ended up with a long catalog of errors from BT i get told on the phone last week that i am in credit for £1014.80 then they write to me twice telling me i will be getting a cheque in the post within 7 to 14 day. then i get a letter today to say "sorry we made a mistake" called BT to be told it was a system error....do they owe me this money? fuming is not the word!

I just wanted to know if its true what they say and isnt there a way around it so i can just pay the £60 a month until the balance is gone ? Hello! Thank you for choosing QuickQuid, where if approved, get cash sent to your bank account within 10 minutes after approval, 24/7. A representative will respond to you shortly. You are now chatting with Antoinette. Antoinette: Thank you for contacting QuickQuid. I'd be happy to assist you with any questions you have. Before we start, can you please verify your full forename, surname and full date of birth? Me: Hi there i contacted your company by email a couple of days ago but i have had no reply. I have had a drastic change is working hours and im income has dropped significantly so i can no longer afford to pay the partial or full amount, i have worked out my income and i can afford to pay £60 per month only. if my situation changes i would be happy to pay more but until then this is all i can offer. my phone is also gone so i can only be contacted by email or live chat Me: My Name 17th XXX XXXX Antoinette: Thank you for providing that information. To fully access your account, can you please confirm your post code and one of the following on file: your email address, phone or customer ID number? Me: ABC DEF Me: XXXXXX Me: im not sure how to find my customer number Antoinette: Thank you XXXX and I am sorry to hear of your change in income Antoinette: I do apologize however we do not offer payment plans on flex credit loans which is why you are given the 10 month option at the time of application Me: Oh im sorry to hear that, well unfortunately i cannot come up with the £277.29 its asking for so im not sure what to do Antoinette: How much are you able to pay towards the loan today? Me: nothing unfortunately, my card has been flagged for fraud and i have just phoned them but they have to send me a new debit card and pin out Me: he says 5-7 days

I was the user bsdakunar selling really just a few items on ebay that i thought i woukd sell there brgore launching them on my old site. All seemed fine. The items would sell no troublrs at all. I had a perfect feedback score and never a problem apart from having to abide by 25item ot $1250 usd per month limits. Then the first blow. I recieved a 21day hold on my funds. I was ****ed but thought i would kick on. I then recieved an email saying i need a 25 good feedback from 25 US citizens by the end of my initial 90days of being with ebay. This was clearly something put in place to keep my selling that is outside of the US tame. I played along and found i was going to make that happen easily. Then the final blow. My account was suspended indefinatley with no case for appeal. What the !@#$.... Ebay wont give me a reason but did eventually hint that my buisness model doesnt suit them and im a threat to the ebay community meaning a threat to the power sellers in the US. Apparantley someone i hadnt sold to had complained that if i sell they couldnt to put it simply and this was enough to get me suspended. I manufacturer, buy and sell motorcycle parts out of Thailand. The parts i make and sell are for Thai made motorcycles ONLY. These bikes are now available in the US so some of the struggling to keep up their lavish lifestyle sellers got worried and complained it seems. I dont need ebay and thought i would be helping them as its not garbage that im selling and im not a fraudulent seller. What ****es me off is that the items i was making which are the only in the world that i was selling are still found in search engines leading people to buy inferior chinese all be it listed US alternatives. As a buyer and seller on ebay i can tell the people contemplating it not to bother. Only two items i ever got from ebay that was what i paid for was from a seller in hongkong and china even though i had been ripped off in both these locations also but when i pay just over $1000 for an item in the US i expect to get what i pay for. Nope, not possible! I never complain and can fix just about anything. Im a good honest person selling as my source of income. Selling on ebay was a mistake. Its corrupt, fraudulent, criminal in everyway and border line a human rights abuse. I have been hung up on when calling, never recieved a written email with fake names listed in them. The next problem is when they suspended my account 2 people had just purchased. The account was shut as soon as i paid the seller fees on that. I was then forced to refund the buyers with paypal and return the shipping of one item to avoid being further ripped off because i have no means of appeal if the buyer claims there is a problem. Because they shut down my account in the midst of sales those seller fees should be returned to me. They clearly stated they wont refund because my account has been suspended. What...? Like that is my fault! Is ebay going broke? are they trying to have a US ebay only? Are they trying to only have big retail chains onboard from the US with similar things to happen in the UK? I feel i have been pursecuted for geographical reasons and the reasons that i have the ability to knock the top sellers off ebay if given a chance but due to my location its just not allowed. This is bad for consumers. They now need to buy hugely marked up Garbage only! The head of ebay is a consultant on many US econmic issues i read. God help the US! The US has been a role model for my lifetime but allowing ebay to steal from people like in this case and the many hundreds of thousands more as seen online is criminal. I have contacted consumer affairs in the US and locally and am going to continue the fight. I hope no one else has to be treated the way i have. A little human compasion wouldnt be too much to ask. Im not one to want sympathy only fairness. I mentioned that i am undergoing life saving therapy at the moment which sadly has failed twice previously and that this cost me $2000 USD a week. Because of the 21day holds in place and then suspension it got me a little worried as i wasnt prepared financially. Ebay didnt care to listen. So not only do they like to punish people by wrongfully shutting accounts but then laugh when i tell them my life is in danger. My warning is dont buy or sell on ebay. They dont protect sellers. Its a lie to make you feel comfortable to spend but you will be ripped off. For sellers just dont bother. They only want big US chains on board in the future. Its there only way to sweep the damage under the carpet.

Dear Members, I hope someone can help me. I have just received my employment record for the last five years from HMRC and I cant see mention of my job for a specific company in 2010. I worked for a local company for 6 months but there is nothing in employment record. I am unable to contact my previous employer becasue the company has gone into administration. Could someone advise me what to do. I have a doubt that my employer did not show me as his employee and did not pay any tax on my behalf.

Every time MMF call me - I tell them i am recording the call they then wont talk to me - I of course tell them its for training purposes and they put the phone down on me - I like having my little bit of fun with them!!! I have registered a formal complaint with the FO as they texted me at 1:30 am on one occasion - the FO is currently looking into this for me banking idiot

We have had a reposession order suspended on our flat that we rent out for four months now while sale of the property goes through - we have had to extend the lease in order to sell the property...landlords gave us estimate and on that basis we agreed price with buyer...we have just found out that the actual amount they want is far higher and this puts us into negative equity alongside all the other expenses of the sale... We may have no option but to allow the property to be repossessed if thats the case what are the repercussions financially? Is our obligation to mortgage company satisifed on that basis? Thanks very much GIB

I am suppose to pay money to Payday Express this thursday, but when i tried to login to my account on their website, it said my details been not recognised. Asked them to remind my password and it's the same story. Is it possible that they deleted me or is it normal thing for them? Haven't had that kind of problem with them before. Cheers for any help

I have got myself in a situation I cannot see any way out of. My income dropped by about 40 about a year ago and since then I have been struggling to maintain my credit commitments. I often have to pay credit with credit but they are all approaching their limits and I don't know what to do. My current amount owing is approx.: 11,000 Barclaycard credit card 4,000 Barclaycard (was egg) 8,000 MBNA 4000 Next 4000 Very 1200 Argos As you can see this problem is extremely serious and I was actually shocked when I sat down and worked out exactly how much I owe. I have recently been getting treatment for anxiety/depression and while this is pre existing my situation is certainly not helping. I cant sleep at night thinking I will loose my home (owned but in negative equity due to house price drop) If I pay my mortgage/ council tax/ fuel bills ect I am left with around £200 per month to pay almost £1000 in minimum payments which is why the credit cards have got so high so quickly. If I contact everyone with an offer are they likely to accept? There is a PPI claim outstanding on the BC (was egg) and this has been with FOS since August 2011 I am so grateful for any advice anyone can give

Vanquis of course is part of Provident Financial services,the doorstep loan firm recently featured in TV docs for its aggressive dealings with vulnerable people. There is no shortage of Vanquis stories on The CAG or indeed on the internet itself about Vanquis,and also Argos suspicions about passing details about customers previously to Vanquis. Do NOT be tempted by offers of vouchers !

i received a letter from LOWELL FINANCIAL today saying i owe £70 , they saying its regards orange, and i cannot recall this. what do i do now, surely they will have a signature ?

Hi all I dont know if I have posted this in the right place, or if anyone will be able to help me. Im posting this on behalf of friend, who is quite upset with some glasses that she recently purchased to the value of £500. She felt that she was pressured into buying a rimless framed pair of glasses. She was invited into the shop for a free consultation with a representitve from Shilhouette. They then showed my friend frameless glasses who was very apprehensive about that sort of styles as she usually buys framed glasses. She decided to go for a pair of the glasses but had to wait over a month for the as she was unsure about having the frameless so they put a tint around the edge of the glasses. When she finally recieved them, she feels that the lens is too low and also too big and she really doesnt like them. Is there anything she could do? Any advice would be much appreciated. Thanks

hi all A the beginning of july 2012 I wrote to santander cards related to 2 loans I had pay off with first national. The loans were made the 1st in 12/2001 with £ 33.99 per month with a time span of 48 months, this was to buy a PC from the extinct TINY computers. For this loan I remember like it was yesterday I was told I had to take the PPI otherwise I would not get the loan. I still have the initial letter they sent me with the detalis of payment and loan, but I did not mention any PPI, I know I bought the PC for £999 and the interest or was 26.9% or 29.6, but I am sure it had PPI. The 2nd loan of £500 made in 08/2002 also first national, of which I still have the original credit agreement where it clear shpws a £65 PPi premiun added to the loan, even I was never told or asked about it, you just presumed it belong to the loan. This loan also as been paid off. For my surprise on 18/07/2012 I got a a response from them saying that the older or the 1st loan they could see there was no PPI and oddly enough for the 2nd they say is too old and they do not have the file anymore, even after I sent them a copy of credit agreement. I can smell a rat miles away, 1st how come they saying the older file they can see is no PPI but the 2nd they cannot have it anymore , even though I sent them a copy of the credit agreement which clear shows the PPI policy? My question is what should I do? Sent a SAR to the data commissioner or what? Any help would be much appreciated! Many thanks in advance,

After previous disputes on this page regarding samsung r730 (which is working now).i got behind with payments and agreed to have a prepaid meter installed back in april/may no-one has been to empty it for weeks,and then this morning i get a threatening letter saying they are taking me to court over non payment,i contacted bayv over this this morning and they said letters had been sent out to me,which i have not recieved over this,bayv have had enough out of me after ordering a toshiba satellite back in june 2010 that was not repairable after having it long enough to nearly have paid for it,i was given the above said reconditioned one to replace it but had to take out another account for it,which i have since found out should not have happened, well bayv only want your money,money,money and dont give a s**t about there customers at all. And know i wont be recommending bayv to anyone i know. i have since contacted my solicitor regarding this harrassment from bayv and i am with in my rights to complain about bayv,its in my solicitors hands now.

Well this is news to me,but according to the Marstons bailiff who I spoke to following being called by a relative after they turned up to execute a MCW it is too late to even challenge. On informing them that I did know about the rules given that I was a site team member of the CAG,the Marstons bailiff went on to say that this site is full of bad advice and wrong advice. I had to think as to whether I had told him CAG or else something which sounds like CAG that I had not yet seen. Here I am taking about a warrant that was passed following a fines order for no TV licence. The person concerned was in hospital for a lenthly period at the time of both the Mags hearing,and the demand to pay the fine. My understanding is that the costs/fine was around 120 quid. Marstons paid a visit when there was no one at home. After being asked to help out,Marstons was advised via their website (screenshot is available) that the person is on ESA benefits does not seek to evade paying the fine but that they should suspend action as notice was being made to the Court seeking time to pay. Yesterday Marstons turned up in a van with 2 bailiffs and a bill in excess of £500 quid. If you are reading Marstons,you have not heard the last of this. The 9 days you have given to pay your charges-will certainly be put to good use.

We bought a washer dryer from a relative who had only purchased it 4 months ago. He doesnt know where the machine was bought as his other half had purchased it and was probably bought on her card. (They split up and not on talking terms) The machine now has a fault. So no receipt, although the warranty registration card was blank and we registered our details online. Am i right in thinking that because we bought second hand the warranty is void?