Happy New Year all! I took out a contract with Tmobile on 6/6/12 - this is a 24 month contract, so as I work out, this contract should end on the 6/5/13, which is 24 months - Tmobile are saying the contract ends on 6/6/14, which I work out to be 25 months. Am I being dense here?? Tmobile also wrote advising me I could get a upgrade early for a discounted £50 and advise me of the phone and price plan I can have - the letter mentions no other costs, so I trot along to their shop, only to be told I have to pay a fee for the handset. I complain - they say basically tough. The small print (v small) states "you may have to pay a fee for the handset. I want to report them for false representation - who do I do this too please??? This is not the forst time TMobile have been dishonest and I want to hit them where it hurts....... Many thanks

Hi all, I recently received a letter stating I owed around £3000 to a plastering contractor I hired on a labour only basis & that it would be taken to court to settle the matter. I immediately replied stating that as far as myself & my company were concerned the matter was dealt with & paid in full. Any further invoices were not just & would not be paid. A letter was sent to me stating that they (The Thomas Higgins Partnership) would speak with their client & contact me in due course. Another letter arrived today stating that their client was applying for the issuing of a claim against me. How is this possible? How can somebody just say "he owes me x & I'm going to get it" The amount owing varies on both letters, and it would appear that (THP) have not even begun to listen to my side. What should I do now?

Just trying to get some helpful advice regarding a false claim against my friend through Small Claims Court for money a former so called friend says she owes him. Basically he's a convicted fraudster and found out my friend had sold her house and came into a little bit of money so he kept asking to borrow 5k (I believe by email) she told him no on several occasions and stopped communicating with him. Then one day she received a claim against her for 5k that he claims he lent her and says he has a witness which is all a pack of lies. I know you shouldn't judge someone on their past but in this case this is his normal M.O he's just using the Small Claims Court to falsely claim money he has never given to my friend, trying to scare her into paying him the money, repeatedly telling her his Solicitor and Barrister have looked at the case and believes he will win because he has a witness and she doesn't. I wouldn't be surprised if he has withdrawn 5k at some point to corroborate his story. My friend has sent the form off to defend herself and has now received another form, should this not be a police matter?? blackmail, fraud, perjury??? How can she prove that he did not give her 5k? Is it just his word against hers? Any help will be much appreciated

Hi this is a long story but will keep as brief as possible. At the start of December my husband was called up to HR. along with the rest of his team they had been random selected to all take a drugs and alcohol test. they all pressed this buzzer if the light went red that person was selected for testing. It was green for all of them. A week later my husband is called to HR someone had reported to them that he takes Crack cocaine and he had told this person he did so !!. (my husband is 60yrs old full of arthritis not a likely candidate) he took the test and both were negative for both drugs and alcohol. He was on holiday last week and went back to work this morning called up to HR again told it was an informal meeting the person he took with him was told oh we dont normal have anyone else in for an informal meeting. he was told that 3 people had said he had opened his wallet showing them tablets, he had taken pics of them with his phone. and he had made sexual suggestions to these people. he asked what he was supposed to have said the answer was I can't comment on that. they asked him to leave the room and they would let him know what was happening 10mins later a senior manager came to him in the workshop and said due to the seriousness of the allegation they would have to suspend him on full pay for 4 or 5 days they would be in touch within 48hrs. 1. so serious are these allegation's that apparantly it happened at the begging of dec (the same time as the drugs accusation) 2. he was accused of taking pics on his phone (which is a work phone) they didnt confiscate it !. 3.If it was an informal meeting how come they suspended him and wouldn't allow his witness to stay. im out of my mind with worry, he will not get another job at his age really need some advice . thanks in advance

Hi everyone, So I am a user of the bus usually, one evening I decided to get the train due to being rushed. I boarded the train with my fare in my hand ready and waiting, no conductor came. when I got off at my spot BTP and a national rail inspector were waiting for tickets. I explained no conductor had asked however they stated i should have known to purcahse at a ticket machine.( as explained I dont frequently use the trains I had no idea I was committing an offence by not buying before boarding) I showed them my weekly bus ticket i buy in advance and explained i dont use the trains. Then then proceed to take my name and address to contact me with futher information for me to explain why I hadent purachsed the ticket. HERES WERE IT ALL WENT WRONG. I panicked after a long stressful day at work I got myself confused and thought I would be issued with a massive on the spot fine i wouldnt be able to pay, Im a third year law student also. Therefore, i very very stupidly lied and gave complete false information, I got home and couldnt sotp thinking about what I had done in a state of panic and confusion. and therefore wanting to do the right thing I walked all the way back to the train station to confess. I explained I did it in the spare of the moment, I had the origional train fare and was more than willling tio pay that however when they mentioned a fine I panicked as I knew I could never afford to pay that! They now have my correct details and i will be waiting for a letter, i need some advice on what to expect, will i get a fine? if so how much? and will it go against me that i firstly provided false details? could this turn criminal? However critical to mention, not only am i third year student in law my aim was to join the police and currently serve as a special constable, this could ruin my whole life plan. I am a honest person and was just confused and panicked. this is a nightmare!!! please please help!!

I'm looking for some advice if possible, 8 days ago I received a letter from Leeds City Council with an Attachment of Earnings order against my name for the value of £220 (remainder of this years council tax) the problem is as follows: 1) I'm a single person so I claim the discount, I was told the amount due is £68, for the last 4 months at least (looking at statements) the council have received £70 from me a month. 2) I have written in 2 complaints, 1 8 days ago to the council tax recovery email and 1 4 days ago, as well as going on the online chat to the main council tax email address. Both of which have been ignored. Now it's almost xmas, which means I'm going to be looking at nearly 6 weeks gap between pay dates so I could really due WITHOUT this taken from my next wage. Can anybody give me practical advise as to what to do now? I'm going to try and ring them tomorrow but I fear they will just fob me off as usual.

Hi could do with some advice as to how to get this removed and dealing with this company please. It is my husbands account from Barclaycard opened around 1998/1999 anyway due to reduced income he ended up defaulting on the Barclaycard Aug 2000 and default was put on his credit file Feb 2001 balance is abt £1700 on the default. For a number of years this has been paid as a token payment to Mercers or Barclaycard in Jan 2013 this debt was assigned to MKDP LLP Balance now abt £1200 this is now where the problems have started. They ring our house abt 4 times a day on abt 3 different numbers I refuse to speak to them as we have found out from routinely checking my husbands credit report that they have put a default on there for this debt dated May 2009 total fabrication we have spoke to Experian abt this and explained that we have previous credit reports showing correct default date and the original default letter from Barclaycard they did contact MKDP LLP and they are refusing to remove it I do not want to contact this company so Experian have asked us to scan our documents to them so they can have a look at it for us. I do not as I have a few original statements here that there are charges on this Barclaycard account and PPI who do I now contact for the SAR and should I contact MKDP LLP regarding the default have not made a payment on this account for a few months now should I restart token payments. Sorry for the essay TTS

ASA Adjudication on Debt Specialists Ltd Debt Specialists Ltd 8‒10 Bolton Street Ramsbottom Bury Lancashire BL0 9HX Date: 4 December 2013 Media: Text Message Sector: Financial Number of complaints: 2 Agency: None Complaint Ref: A13-241695 Ad A text message, from a Payment Protection Insurance claims management company, stated "We're contacting you regarding your PPI claim, we now have details of how much you could be due, reply POST and we will post a pack out". Issue Two complainants challenged whether the claim "We're contacting you regarding your PPI claim, we now have details of how much you could be due" was misleading and could be substantiated, because they had never taken out such cover. CAP Code (Edition 12) 3.13.7 Response Debt Specialists Ltd said the text message was sent by a third-party company on their behalf. They said the message was sent to recipients on a speculative basis to make them aware that they offered a service in helping to reclaim Payment Protection Insurance (PPI). The message alluded to providing the recipient with an opportunity to get further information on making a PPI claim, should they have taken out PPI, and the message was not intended to imply that they had details of the recipient having taken out PPI. Debt Specialists said the message was intended to be personal to recipients, which was why it stated "We're contacting you regarding your PPI claim". The wording "we now have details of how much you could be due" related to how they would work with the recipient after they responded to the text message. They said that when recipients responded to the text message they contacted the recipient to discuss whether they may have been mis-sold PPI and what the details of that may have been. They then worked with the recipient to calculate how much compensation they might be owed should they wish to pursue a claim, and would provide information on their fees. After making those calculations they would be able to provide an indicative figure to the recipient as to how much they could receive in total. Assessment Upheld The ASA considered consumers would understand the claim "We're contacting you regarding your PPI claim, we now have details of how much you could be due" to mean that the company sending the message had definitive information, prior to contacting the recipient, that the recipient had been mis-sold PPI and how much money they would be able to claim back. We understood that in fact Debt Specialists did not have such information and the text messages were sent to recipients on a purely speculative basis. Debt Specialists were only able to determine whether a recipient might have a PPI claim and the amount of a potential claim once the recipient responded to the text message and provided that information to them directly. We therefore concluded the claim in the ad had not been substantiated, and was therefore misleading. The ad breached CAP Code (Edition 12) rules 3.1 (Misleading advertising) and 3.7 (Substantiation). Action The ad must not appear again in its current form. We told Debt Specialists not to make claims for which they did not hold substantiation.

Hi I need help regarding a default created by Cabot which is now on my credit file!

hi could anyone tell me where to post a new thread regarding an interim charge order being made on a county court judgement please.

Hello there, I hope you can give me some information please. To cut a long story short I have had a CCJ judgment issued against someone who owes me money. They did not contest the claim, but I now think that have intially provided me with false name and address anyway. The only thing I know that is right is the bank account details that I paid them through. They owe me £300 along with £25 to issue the claim in the first place. I don't expect them to pay this so my next step is a warrant but this will cost me another £100. What I really want to know is, is it worth carrying on? If I give the court the information about how I think it is a false name and address and their bank account will they be able to collect the money from there/get information from the bank for the right details etc? I don't want to waste another £100 if it is not going to get me anywhere. Thank you!

Last night I was on the phone to a UK member of staff. I wanted to recall a DD as the payment had been made by alternative methods. He quoted "It's not a recall and we can't do anything, Idiot" Then he transferred me to a closed department... I've logged a complaint, but I don't think anything will be done, any advice?

Hi, I have become aware that Lowell/Red have wrongly been trying to contact me recently, over an out of date alleged debt dating back from almost ten years ago. They have contacted an Ex directory phone number NOT registered to me, that has no link to the alleged debt and has never been given as a contact number. It is registered to my partner. They have left numerous messages to this number which I have recorded proof. Also they have wrongly sent various emails to an email address not used by me, and again not linked in any way to this alleged debt. This email address has never been used in any correspondence with them or to contact them whatsoever. I have not had any contact with the alleged creditor, or used that account for almost ten years now, so it if there was anything outstanding, (which I believe there isn't) would be Statute Barred as it well over 6 years ago. I am tempted to contact the Original Company asking them for details etc. or ask what's goin on. I feel that Lowell/Red have :- (1) Broken the Data Protection Act (2) Committed Defamation of Character (3) Used illicit means to obtain the Ex directory number and email address (4) Broken a variety of debt collection rules (5) Threatening to pay me a visit (where, home or work ?) (6) Giving False information to Credit Reference Agencies, wrongly affecting my credit rating I haven't contacted them yet, I thought it was just a mistake or one off, until I realised the extent of what they have done. I am now deciding whether to ask them exactly how and by 'what means' they come by these wrong contact details, giving every Tom, Dick and Harry, false, incorrect, misleading information about me, causing me distress. Can I sue them, for damages, take action against them or report them ?

hi need some advice for a work colleague he is a civil servant and after a family fallout his brother has attended is place of work twice accusing him of obtaining privileged from the works computer and telling other people first visit was dealt by a manager and he brought printed messages from facebook. he was told that there was no basis for the allegations and went away. a week later he reattended with a printout with another conversation from facebook. this time he was told that these were not screenshots but a word document that could have typed by anyone. HR are following it up. the general word is they are going to close it as vindictive what rights do he have to stop him making these complaints

Hi, My boyfriend and I had decided to move in together and had found an ideal property for us and our 3 children that we have between us. Upon finding the property, we were very upfront with the lettings agent and disclosed to them that my boyfriend had been discharged from bankruptcy in July 2012. They relayed this to the landlord who said he was happy to still proceed with all the referencing checks necessary. When my boyfriends credit check came back, the letting agent informed us that there were some problems with it. We signed up and downloaded the credit report that they used and noticed things on there that due to his previous bankruptcy should not have been on the report. (They do not appear on more reputable credit checking agency reports). We informed the letting agent and proved to them that they should not have appeared. The letting agent knowingly passed on this false information to the landlord who has subsequently refused us the property (even though he knew about the bankruptcy prior to referencing) We have "failed" their credit checks and so our money goes to the landlord. Forgetting about the legalities off knowingly passing on false information that has been used discriminatorily, this whole situation has left us severely out of pocket hence hindering us from finding another property and quite frankly has upset me to no end. Does anyone have any advice on where we stand legally regarding getting our money back. The agents say we need to seek it from the credit check agency, but at the end of the day they employed that service.....if I find a hole in a jumper I take it back to the shop, not the factory it came from! Many thanks

Hi all! I'm new to the forums and quite urgently need some advice as to what I should do next! This is a bit of an essay but... it's worth a read and I will really appreciate any help you could offer! Basically, an old landlord of mine has 5 years after my tenancy ended put in a false claim through money claim online, saying that I didn't pay about 6 months rent...out of a 9 month tenancy and is trying to screw me in excess of 4500 quid. I missed the claim form, which they sent to my old address, and the first I heard about it was from their solicitors 28 days after judgement had been made against me by default. The fact of the matter is this: my rental account with them is actually in credit of about 3 quid! I paid on time every time by standing order with my bank up until the last month where I ran into financial difficulties and didn't pay it. However, they sent me a false statement of balance by e-mail requesting I actually hadn't paid about 6 months rent, which is just ridiculous! If I calculate their statement of balance with the correct figures, one months rent, plus 50 quid late payment fee, 10 for a reminder email, and 72 quid which they took out of my deposit for paying for cleaners and rubbish removal, the account is even. In fact they actually owe me 3 quid of my deposit still. At the time of the tenancy ending they sent me loads and loads of e-mails asking me for this money and although I did say I had been to the bank and checked their statement of balance they said they would not deal with my usual bank statements they wanted just the transactions between my account and theirs on headed paper from my bank... which when I asked the bank was told cannot be produced. However I made it clear to them that this statement of balance was incorrect and that they should check their account and amend it. Communication then went cold with them and I didn't hear from until this letter from their solicitor about 5 years later. This is what I have done so far: I have rang the court to confirm that judgement has been passed by default and it has. I have been to the bank and requested them to send me the relevant bank statements. I have contacted them by e-mail and sent them scanned in bank statements with the standing order underlined every month. They have not responded. I have then sent them a letter 3 days later, giving them 10 days to check their accounts and amend the statement of balance to reflect the true figures otherwise I will be submitting my evidence to the court and applying to have the judgement set aside and possibly make a counter claim against them. I tried to include some liability stating that if it is found by a court that their claim is false, I reserve the right to seek from them damages to the sum of 4500 quid (matching their claim) and requested that if they do discover they have made a mistake in putting together the statement of balance they should withdraw their claim against me and notify their intention of this within 10 days. This letter will arrive on Monday and I think 10 days is a reasonably time-frame given the situation and considering the clock is ticking... default judgement was made about 40 days ago now... and soon they could go to enforcement it if they wish. I have also done a subject access request on them (they are a limited company), giving them 40 days to give me all data they hold on me in an attempt to find out a bit more about what is going, what documents they still have from me with regard to this rental account and try and find some evidence that suggests that they are aware of these transactions going into their account and are still making a false claim anyway. I am not sure about the next step to take. I am thinking of telephoning them again on Monday or just waiting to see if they reply in the 10 days I have given them. Ideally I don't want to have to deal with this in court, but if they are not willing to withdraw or just ignore me, then I will have to. My question is, what options do I have with this case... Should I fill in the N244 applying to have the judgement set aside, using the fact I never received the claim form and explaining that I have evidence that suggests their statement of balance is incorrect? Furthermore, do you think I have grounds for a counter claim here? I have e-mail communication from 2009 where I said this statement of balance is incorrect etc. but they have gone ahead anyway, saying it is my responsibility to prove it. Or should I just apply to have the judgement set aside and apply to be awarded costs?? The big question is, do you think they have a duty to properly check their accounts and credit transactions from their tenants before pursuing you? and if so, is there any legislation stating this that I can rely upon when submitting my defence and counter-claim? Thanks and kind regards guys! Dec

Hi, new user so I hope this is in the right area. I have purchased 4 items from a UK based internet site. The items are all the exact same and are safety equipment for work, they are safety harnesses. The harnesses were advertised with lanyards as part of the sale at the offered price - which was not a promotion or offer, simply a good price. On their delivery, the harnesses did not arrive and the company claimed they did not advertise the lanyards with the harness, there exact words were that they had "never" advertised the lanyard with the harness. When I checked the site, the sentence had been removed from their web-page only 3-4 days later. but I knew I had seen it somewhere, obviously I wondered if I were going mad:mad2: Today, some 2 weeks later, I have found the print off of their web-page which does state the lanyard was included at the time of sale, we have rung and emailed our photocopies/ prints - they have requested we return the items unused for a refund. I believe this is wrong, unfair and in violation of our rights, especially as the items have been used and other lanyards attached. This situation is made worse by their blatant cover up by removing the words from their web-page. Can anybody shed any confirmation on particular legislation they have breached and my rights on this matter - thank you

Hi everyone, Im new to CAG but been reading the site all afternoon and theres some great advice here….I hope you can help me too! I've been in written correspondence with the CENS Enforcement Unit for the past 2 months, regarding an unpaid TV license relating to an address in Ipswich. I must point out I have never been to Ipswich, and was living out of the UK continuously for 2 years during the time of said TV License fine. Initially I called Norwich Magistrates and explained my case, to which the reply was in my favour accepting my innocence; "you have a common name, these things can happen. The easiest thing to do is make a Statutory Declaration in court and it will all go away". I am a cooperative person but do not feel I should have to swear on oath and take the time from work to attend court for something that can be solved in an easier manner. Hence I replied by mail, providing copies of my passport and letter of explanation. Even though the CENS accept my "documentation stating you were in ***country at the time of offence", they still insist I make a Stat Dec. Is there anyway I can avoid making a Stat Dec? Are the CENS within their rite to keep harassing me? Or does anyone have any useful links and I'll carry on researching for myself In final addition: - the very first correspondence was a Further Steps Notice in May 2013, however the license relates to summer 2011 - I have never seen a copy of the initial fine or late payment notice, and despite returning the first letter stating "refused for cause / no invoice" the CENS still haven't provided me with the original invoice - I have been informed there was a court date set in Nov 2011 that was missed, however my first knowledge of this offence was in May 2013 - I have received several Further steps notices now, all to my corresponding address. I do not live at this address and so have a further responsibility to the owners of the house that bailiffs will not turn up on their door. I have made the CENS aware that this is my corresponding address only. Thanks in advance people!

I'm writing on behalf of a colleague who was recently falsely accused of hitting a pedestrian when they were leaving their place of work. The initial incident happened on day 1. The pedestrian walked in front of another person's car, while not paying attention to where they were going (using MP3 player) the person braked, however they did impact with the bumber. They got up, spoke to the driver, who identified themselves as working here, said they were ok and continued on their way. The folloowing day they returned with a loose description of the person that hit them, asking for names and car registration details. The person was wrongly identified. The pedestrian then went to effectively blackmail my colleague, demanding £400 or they would lose their no claims bonus. Having no knowledge of the incident, they refused. The pedestrian took her registration details, and solicited the help of one of the no win no fee accident claim companies in order to lodge a claim for damages. This is despite the car being a different make, model and colour to that which was involved in the accident. My colleague's insurance company, The AA, called her to find out more details. After suffering stress because of the claims against her, the member of staff who had been involved in the incident came forward, saying that they were unaware of any proceedings and considered it to have been a near miss. They have since handed the investigation details to their own insurance company who are investigating the claim as they believe the damages for injury are false. this investigation is currently ongoing. The AA have since wiped my colleague's previous 5+ year no claims bonus, regardless of the fact that the allegations were both false, and the correct person had come forward. Information that has been supplied to them. Her insurance is due to be renewed at the end of this month, and is currently at an amount she cannot afford, of £3000. Is there any recourse that my colleague can take against her insurance company, both because of the stress caused and to secure her no claims bonus? Many thanks, Kev

I have received a letter today from a company called bcw claiming i owe a debt of £310.96 to 02. I had received letters from westcott credit services in the past and after a very hard battle (for 5 years) they finally realised that the debt wasn't mine. Im just wondering if anyone can help me because i really do not this to last as long.

Hi, I left my employment a month ago, not on great terms, as I left to set up another company. I would not attempt to break any of my compete clauses. Today I met with a potential client. This client was not a client of my previous employer, but was a potential client (as is anyone). I was told by a senior director that someone from my previous employer had called them a few weeks ago, obviously after I had left, to state I had in fact been terminated due to some invoicing irregularities. This was the language he used. He would support me and back it up with a statement as he felt it entirely strange for them to do this, as the only reason would be to discredit me or suggest I was not of good character. Needless to say there were no issues of 'invoicing irregularities'. I was quite shocked and upset. So what is the advice? Do I contact my former employee and ask them to withdraw this, maybe suggest I will take it further. Or go straight to legal and sue them?? Help appreciated.

is there not an ebay customer service contact?

Hi, I have been arrested while at work because my previous employer made an allegation to the police claiming I stole £ 8k from their safe. Taken to the police station interviewed and released on bail, I then been dismissed by my new employer (fair enough). I have now been informed by the police that no further actions will be taken because there are no evidences. Because of this, I have lost two months of earnings (I still could not find a new job), I am in arrears with my rent, and I have been under a lot of stress. Further more the arrest happened during trading hour in a busy department store, so it was witnessed by many people. Now that the case is closed, can I claim compensation for these damages to my previous employer who made the allegation? And if so, how much could I claim?

At the beginning of November 2012 I bought a Volvo C70 from a second hand dealer in Derby who advertises on Ebay, AutoTrader, Motors.co.uk as do many others. When I had not received the V5 by mid December I went to the DVLA in Shrewsbury with my part of the V5 and applied for one. I discovered at the beginning of this month that the second hand dealership are still actively displaying and advertising my vehicle as "For Sale" through their website, EBay and Motors.co.uk. I have contacted the dealership both via email and telephone and been told "Sure we will stop advertising it" but nothing happens. I have contacted EBay who quite honestly are not interested because they are being paid for the privilege of advertising To the best of my knowledge this kind of advertising practice is "False Advertising" - How can you advertise as "For Sale" something that you do not own, or have physically in your possession to sell. Is there any organisation that I can approach who will get these people to remove my vehicle from their advertising. Thank you

I recently received a call from my insurance company advising me that they have received a 3rd party car insurance claim against my policy. I stated that I have not been involved in any accidents and advised that the claim must be fraudulent/false. The lady on the phone went through a number of questions which were irrelevant under the circumstances and provided some very sketchy information in relation to the "alleged incident". I have since been contacted by them again with the lady this time stating a different time and now alleging an injury. I have checked back to the day it has been alleged the incident took place and I was actually driving my husbands car that day (a different car) and could not have possibly been driving my car at either of the times given. No-one else has access to my car and it was parked outside our house (on the road) for the day. I complained several times to my insurance company as I am naturally quite angry (well livid really!!) as I know this must be fraudulent and to date no evidence or documentation has been produced by either my insurance company or this 3rd party (I dont even know who they are!!) to support their claim. I received a message from my insurer saying that the 3rd party insurer has dropped the claim for now and unless my insurer receives any evidence or further claim from them in respect of the "alleged incident" in the next 3 months, they will close the claim. However I then received a call the day after from another person asking me to ring back and make an appointment for an engineer to come and inspect my car. I am now extremely angry as I dont see why I should have to have my car inspected when the 3rd party insurer has dropped the claim. I was not involved in any incident and no evidence is being produced by the 3rd party. I have not yet responded to my insurer as i am now very angry. Also I have arranged to sell my car (as I will be getting a new company car shortly) and want to cancel my insurance as I will no longer need my own car. Please can anyone advise what I should do as surely my insurers will have to close the claim and surely I am not obliged to let any engineer inspect my car? Many thanks and hope someone can help!