Hi all, This is my first post on the consumer forum. The error that Vodafone is continuously failing to correct causes me great distress and badly affects my health. I have tried to sort this issue personally through Vodafone Customer Service making endless phone calls but it got nowhere. I was going to take the mortgage in March but Vodafone INCORRECTLY has placed a Default Account on my Credit Rating which prevents me from getting a mortgage. I have written formal complaint to Vodafone Customer Service that was posted to them on 14/10/2015 but the letter was never acknowledged and I have never received a response from Vodafone. To cut the long story short: I had Vodafone account opened in September 2013. I have systematically paid monthly payments of £39.50 up until December 2014 (shown on my bank statements). I then accidentally stopped the Direct Debit to Vodafone and I had accumulated some unpaid months to them. I have paid all those unpaid months on 29.05.2015 plus all the future monthly payments up until September 2015 (I had minimum 2 years contract) in one payment of £380.40. The reason I paid all the future payments on that day is because I asked the Vodafone Customer Service to close my account during the same phone call on the 29.05.2015. 1. Vodafone has failed to acknowledge internally in their automated system my payment to them on 29.05.2015 of £380.40 2. Due to Vodafone failing to acknowledge my payment they employed the Debt Collection Agency to retrieve the payment from me and more importantly they incorrectly put a default account on my Credit File in August 2015. I'm in the process of applying for the mortgage and imagine what impact this incorrect Vodafone default account has on my chances of being approved. 3. After the Debt Agency started to chase me for the payment I have brought a proof of the missing payment to the Vodafone store first in August 2015 and then I was asked to do that again in September 2015 and the store manager made a note on my Vodafone account about witnessing the payment. I then had spoken straight away to Vodafone customer service on the phone and they said that they will be processing a Missing Payment Form and once done the information of payment clearance will be passed on to the Debt Agency and my Credit File will be cleared. I note that this was done in September 2015. 4. After giving 7 working days (in September 2015) for the Missing Payment Form being processed I have spoken to Debt Collection agency and they said that they still haven't received any instructions from Vodafone to close the issue. I have spoken to Vodafone Customer Service again and they again confirmed that they have submitted Missing Payment Form. I have spoken to the Debt Collection agency a week later and they said the issue has been put on hold for further clarification. I think they realised that I don't owe the money to Vodafone because I've sent to them the copy of my bank statement but they were not receiving instructions from Vodafone to close the issue of this debt. 5. I now checked my Credit File for the first time on 23.02.2016 as I'm just about to apply for the mortgage and it still shows Default Vodafone Account! Bearing in mind that Vodafone confirmed processing Missing Payment Form back in September 2015 they had 4 months to clear my Credit File from the default account, however, this still hasn't been done. 6. I have called to Vodafone again yesterday (23.02.2016) about the issue. Vodafone Customer Service yet again acknowledged over the phone the note from Vodafone store manager on my file made in September 2015 about witnessing the evidence of payment. They said that they had submitted the Missing Payment Form AGAIN and he said it will take 3 (three) months! to clear my Credit File from default. But I was reassured previously by Vodafone Customer Service that the Missing Payment Form on that payment was processed back in September 2015 and they had 4 months since then to clear the Credit File but this hasn't been done! (I mentioned this to Customer Service). How can I allow another 3 months of empty promises to find out in May 2016 that nothing has been done. I have read on the Internet an Experian expert saying that changes to the Credit File can be done overnight. The house prices are rising every month and I have been waiting since September 2015 for Vodafone to clear my Credit File from the default account that they had put in their error. I have no idea what to do anymore and who to speak to about resolving the issue and clearing my Credit File from the wrong default. Vodafone is promising to clear the error since September 2015. Since September 2015 they endlessly saying to me that the Missing Payment Form has been submitted and that I should wait for the Credit File to be cleared of the default. I'm worried that Vodafone will incorrectly make changes to the Credit File simply by showing that I have paid the default money. But I need the fact of default removed from my Credit File because all of the due payments were made by me in May 2015. The default was put incorrectly in August 2015 when I in fact didn't owe any money to Vodafone by then. I'm also worried that Vodafone will reactivate my account once they acknowledge the missing payment when in fact I have asked to close my account in May 2015 and paid all the due payments then. I've asked the Vodafone Customer Service many times to send me the letter confirming that my account has been closed in May 2015 but they have never sent it to me. Any advice on how to resolve the issue with removing the Default Account History from my Credit File and getting the Vodafone to confirm that my account has been closed in May 2015 would be greatly appreciated. Kind regards, Natalya

I was given an iPhone as a present at Christmas, it was not new it was first bought in Oct 2013. It has developed a fault, and Apple have checked it and I have a written report from them stating it has an inherent fault, but they are refusing to replace it under consumer law (6 years from new) because they say as manufacturer they are not liable to replace the phone, as the contract is with the original retailer (Vodafone) I have contacted Vodafone and because I was not the original purchaser their contract is with them not me, and they too will not repair or replace my phone. Is my claim dead in the water or am I being fobbed off??????

I received an unexpected later from my insurance telling me I should pay £525.23 (after my policy had been cancelled). I rang them up to ask what this figure was for, being told that my claim I had put before was because I was at fault. ??!! I had not been made aware of this before, neither is this in the handbook policy. Please help!!!! I thought insurance is there so it covers you up in case of an accident, whether your fault or not!! I am with only young drivers. thank you.

Hello all. I bought a refurbished Panasonic plasma direct from Panasonic ebay with 12mths warranty. 16 mths in it has developed a fault I've sent it to a Pansonic approved repair centre at a cost of £300. The set was also calibrated and this will now have to be repeated as the main board has been replaced and all setting lost. Then I wondered what my SOGA rights were and found this: http://www.theguardian.com/money/2006/mar/25/consumernews.howtocomplain Which states "The act says goods must last a reasonable time - and that can be anything up to six years from the date of purchase." I don't consider 16 mths reasonable for a flagship TV - however I'd like a 2nd opinion? and does it matter it's a refurb? I plan to write to Panasonic and ask for a refund of the repair plus cost of calibration - are there any templates you guys could suggest using? Thanks as always, Dunnie1

Ok, so first of all please feel free to re-direct this post of in the wrong place. I am relating this to the new consumer rights acts 2015 and how this may be used We bought a new car in a private sale at the weekend, the car was described though an advert we still have a copy of. We took the vehicle for a test drive, though very busy so only had a chance to drove a few miles and all appeared in order, we paid cash for the purchase £7500 and the we have a receipt, which just states for the sale of x registration etc. Once we got the vehicle to a garage for a fuel, it would not restart and then did with a big judder, but seemed ok, we got home dropped in the shopping when to move the car same problem. After speaking to the local toyota garage they believe without doing a full diagnostics which I will arrange for later this week that it likely to be a fuel pump problem, as hot starting only,and the cost is £1000s. So we emailed the seller, who said yes it did have a problem but never bother them, they also said took to local garage who said might be this or that (did not mention what a main dealer has said to us) but never got sorted. In any event it has a problem that was known to the seller that they did not disclose. Of course if this was a garage sale I would have more rights, but my question is, as the private seller has confirmed that there was a known fault but did not disclose this, I have challenged this my email but no response, do I have any protection at all. my email seIf so what are the next steps, what are the options?

I bought a TV 12 months and 3 weeks ago. Since buying it I had an intermittent problem with the screen going off for about 10 seconds then on again. I eliminated various other pieces of equipment over time then reported it to the manufacturer about 4 months into their warranty. After following their trouble shooting procedure they accepted it was faulty and arranged an engineer repair. When the engineer rang to arrange repair and get details I was away (this was around Christmas). During the discussion I told him I was unsure how to reproduce the issue since it happened intermittently. He said he would leave the case open for the time being. The TV is not my main set so I use it very occasionally. I forgot about the problem until more recently when I was trying to use it again and the same fault occurred. I emailed the manufacturer back with my reference number but they now refuse to repair because it is 3 weeks out of warranty. I realise I could approach the retailer but I feel like the manufacturer is using a technicality to escape from an issue they have already accepted as theirs and promised to repair onsite. It is a lot of hassle for me to transport the TV back to the retailer for a repair and they do not have the original report logged, which the manufacturer does. Can anyone please advise or tell me where I stand legally?

late last year I won on the wheel of fortune in the life of leisure game at mecca bingo.com it came up congratulations you have won £10.000 a month for 12 months and your first instalment has been paid into your account ! I was gob smacked and thought I was seeing things , but there in my account was £10,000. I rang mecca bingo to see how my other payments would be made , immediately the game was removed from the site and they were confused by what I was telling them as they stated "they do not pay prizes in instalments". after several phone calls , they even asked me what I wanted to resolve ? I obviously said my £110,000 and they had to speak with the game makers Ash Gaming who are American based I believe and who it seemed had given Mecca a version of the game with this instalment prize , after a few days of phone calls they came back stating technical error and added another £1000 to my account for the inconvenience and phone calls, I explained I was not happy with their response and was referred to alder hay gaming commission who just sent me an email saying I was lucky to get the £1000 as all they needed to pay me was the cost of my bet back as technical error ! I argued again this was not a technical error this was purely a part of the game Mecca had on their website. Due to financial problems , my gambling etc being a huge problem for my family I never took this any further or told anyone till recently and have been advised that I should have challenged Mecca bingo.com and Ash gaming as the game has never been put back on the site and clearly was not a technical error please can someone help and advise if and how I would go about challenging this , do I need a solicitor , I cannot really afford one unless had a good chance of getting the money I won .

Hi all, I got hit from behind and was without a Taxi for a week before a rental was supplied. I am trying to claim for what I have lost. Initially I was told that the previous 13 weeks earnings from the company sheets would be sufficient. I gave them those and now they want tax returns and bank statements. I have explained that two taxi companies merged a year ago and the earnings have increased and the figures on previous tax returns would leave me out of pocket and the bank statements do not reflect any earnings. This is because a lot of the income is cash and doesn`t reach the bank(used for bills etc) Only the account work which is paid by cheque goes into the account. I am simply trying to claim the actual loss at the time of the accident. Being a 3 month old car, I wasn`t happy at it being smashed but certainly don`t want to lose out over it. The taxi company is the only real proof of earnings and those sheets I have already sent them. Where do I stand please? With thanks in advance.

Hi All, On monday i was on the way to work and i was hit by another car from behind. I was following a car down the highstreet that stopped at a zebra crossing. I pulled up behind it waiting for people to cross. All of a sudden i didnt know what hit me! I was hit very violently from behind. Not sure if i blacked out but felt very disorientated. Got out of the car in shock and legs gave way. I think i hit my head on the steering wheel quite hard- airbag didnt go off. A girl rushed over to me very apologetic, saying that she was adjusting her glasses and hadnt seen me. She said it was all her fault and had hit me at full speed not breaking at all. She had hit me so hard i was pushed into the car in front. The car in front appeared to have no damage, but my car looks like a writeoff with extensive damage to the back and front. A passerby called an ambulance and the police arrived. I was checked over by the paramedics and despite developing aches and pains was deemed to be ok and told to see a doctor. I was interviewed by the police that confirmed the girl had already admitted liabilty and was probably speeding. I gave a statement and recovered my car and went into work. Now, i called my insurance company who were very unhelpful. |The first call the girl answering the phone told me she was passing me over to her colleague (that turned out to be an accident management company). The second call i was told that if i claimed i would have to pay my excess (£500), my car would be valued at trade (£600) and my premiums would go up. I need a hire car to get into work, cant afford to rent one myself, but dont want to end up in the accident management company trap of being given a credit hire car at a ridiculous daily rate that the third company isurance wont pay for. And a settlement cheque that is way below the market value of my car. Any advice?

Hi everyone, my dad recently had a problem with his Toyota Urban Cruiser 4WD Diesel. The vehicle is four years old has been serviced all its life (He bought it from new) at a Toyota garage. The vehicle has only done just over 20K He has recently had problems getting the vehicle into gear so he took it to our local Wolverhampton Toyota Dealer Charles Clark Toyota. They diagnosed the problem to be the clutch. They quoted £1000 to replace the clutch (Original) or approx £800 for a none Toyota one I find this rather odd a Toyota dealer offering none Toyota parts. The clutch on the vehicle was previously replaced at about 10K due to a major problem with the vehicle apparently Toyota only cover the clutches for 2 year so my Dad had only done 10k miles on this one. This one was just over the 2 year mark. My dad mentioned that he was getting a bit tired of the vehicle to which the dealer suddenly stated that a Hybrid would be a good idea as no clutch. My Dad and myself find this attitude rather bad basically it was your car is buggered tell you what we can sell you a new Priusfor £22K. They introduced him to the sales manager gave some story about how parents have them and love them etc. To cut a long story short my Dad left it and contacted A1 Clutches in Wolverhampton. When he took it to A1 Clutches the said that it might be the clutch but it could be the flywheel this part would have been covered under the Toyota warranty. Unfortunately my dad went ahead with the repair and it did turn out to be the flywheel. He contacted Charles Clark who were basically not interested they said that they needed to do the work and replace it with a proper Toyota part apparently A1 did replace it with a clutch from the same manufacturer. They stated that the teeth were worn on the fly wheel. He went to A1 as they quoted £650 for the clutch. The repair has now cost him over £1k. My Dad has trouble walking a heart condition and is undergoing treatment for cancer at the moment his vehicle is absolutely vital to get him to the hospital hence his haste at getting the vehicle sorted out. I find Charles Clark Wolverhampton attitude to be disgusting, the vehicle obviously had serious design/manufacturing faults a clutch does not fail after 10k and a fly wheel after 20k. The vehicle has a dual Mass flywheel which causes real issues I believe. How can a Toyota dealer offer none Toyota parts on a vehicle that is still under a Toyota Warranty also??? There attitude by trying to wash their hands of the problem and sell my dad another vehicle is also very bad. Should we contact Toyota and state our displeasure with the dealer or just go for the dealer with the sale of good act? Thanks

Hi all, I recently gained employment with SKY in a retail store position, part of the application process was to give my consent, to what i thought was basic disclosure (disclosure Scotland) I was sucessful with my job applicatrion and was offered a formal contract of employement, wich i accepted. I had to travel to luton for a 2 week residential induction course, fully paid and my official start date of my employment was 08/06/2015. I was 3 days into my course and on the afternoon of of the 10/06/2015, just before the class of 11 were leaving for lunch i was pulled aside and asked to come into the office. In the office i was summarily dismissed for a couple of convictions that happened in 1993 showing on my CRB, im 40 years old, these happened when i was a foolish 18 year old, i got caught in a stolen car and got 6 months imprisonment for theft and taking vehicle without owners consent. This was the last time i got into any kind of trouble and i like to see myself as a conributing member of sociaty with a family and even a full clean driving license. Ive held previous posts that required a CRB, ive worked for Virgin Media, British Gas and as a load engineer, british gas and Virgin were sales roles, all the Basdic disclosures came back clear. so i only asume Sky performed a Standard or enhanced disclosure. I tried to explain to the Manager of Sky that i believed it was my right not to disclose this conviction as it was spent for a number of years, i was just dismissed out right and wasnt even given the opurtunity to appeal. Of course i was very upset, i felt humilited, ashamed and has left me in deep financial crisis. I contacted My area manager, i also phoned the HR department voicing my concerns. Sky admitted fault once there legal team looked at it and offered my position back. I told them i didnt want to work for them and refused, as i felt it could harm future prospects of promotion and left doubts in my mind, i wouldnt feel comfortable, i felt ashamed and embarrased that my employers knew and it just wouldnt feel right to work for them. My question is this, my understanding is, is that they broke the law by performing a Standard or enhanced disclosure as its just a retail job and doesnt come under the exempt list according to the rehabilitation act 1974, it also invaded my privacy, and its also left me up the creek with no paddle financially aswel as the emotional impact. It was a long winded requiment process and all in all it was 2 months from applying to starting, during that time i declined other offers of employment as i wanted to work for Sky for ages and was really exited about the job. I contacted ACAS but they cant do anything, does anybody know who i can go to, as i would really like to claim compensation, like ive said, me and my family are really struggling financially at the moment so i cant afford a solicitor, i was only working there for about 3 days so have no rights concerning employment laws, is there anything i can do? Please Help! Thank you.

Through no fault of my own a lorry drove into me on a roundabout tearing off half my back bumper, the asssesor came round and stated that considering the age of my peugeot 206 it would most likely be irrepairable, yet i know the only thing wrong with the car is the damage caused by the accident as have spent time and money making it a decent car. I was shocked when ringing up hastings to hear that when the report from the assessor does come back and if it is deemed a right off i will be offered money for the value of my car but not be allowed the car back? In no writing in the policy does it say this, i also asked if id be allowed the money for repairs from the market value-scrap value (cash in lieu) and was told this was also not an option! What is the point in insurance when the only money i can get is by letting them take my car away or voiding the claim totally, recovering my car and paying for my own repairs even though the accident was entirely not my fault! James

Hi all, and I thank you in advance of all advice given to me with a problem I have had with a repair I had done at a local Citroen Main Dealer Garage. I owned a Citroen C4 (59 plate), bought in August 2013. 3 month warranty as it was 2nd hand, even thought I thought I had 3 year cover - that's another story. I developed a faul with the car in late April 2014 and on th 7th of May took the Car to my local Citroen garage to sort out. They did a VHC - Vehicle Health Check/Diagnostics, and informed me that I needed a new EGR valve. I asked if it was a straightforward job, and the reply I received was that I'd be "in and out" within 2 hours. Turned up the next day at 8 am, and was to to come back at 10am. The car was operational, and drive-able at this point. I took it in as the Engine Management light came on and, it sometimes would "miss". I was quoted £305.48 for parts and labour (£146.65 in the end). I came back at 10am, and waited, and waited, and waited. 2pm. I get asked to have a chat with the Manager. They said that after installing the EGR valve, they took it on a test run, and, for some reason, the car developed a mind of its own and continued accelerating by itself. They advised me that they needed some more time to find out what had happened. They offered me a courtesy car, which I had no choice but to take. Almost daily for almost a week I had to phone for an update. At no point did they bother try calling myself. Then they asked if I could come down to the garage on the 14th of May. The manager said that they weren't too sure what was wrong with the car, it could be an ECU replacement, but they weren't sure or the complete wiring loom. I asked if they could try the ECU? He stated, that they wouldnt be able to do so unless they charged me £450-£650 plus vat and labour. I said that was unfair, as the problem wasn't the ECU when I brought it in. He said, he couldn't guarantee that it even was the ECU and it was a chance I would have to take. If that didn't work, then the wiring loom would have to be replaced, and I was lookng at anything between £2300 to £4500 for that job. The car cost me £6k and had only done less thatn 50,000 miles. He said I could leave the car in their storage yard until I could get the money together, I told him I was exceptionally unhappy with the service and believed that this had arisen from whatever work they had carried out. I had no choice but to take the car home. It limped home and became unroadworthy or safe to drive since that date. Move forward a few months later, the manager never got back to me. I made a complain in writing. No response. I become ill, lose my job, miss payments on the car, and it gets repossessed. In the meantime I speak to their Head office, who said the new Manager would get in touch. I speak to him and he stated his boss is away for 2 weeks and he will get back to me as soon as he gets back with a resolution. 1 month goes by and I try calling again. Left a message with their reception. I miss his call, but he leaves a voicemail, which I still have a recording of. In the voicemail it states how apologetic he is for not getting back to me etc. I have a phone call the next day from him. He says that the only thing they could do was to bring the car in and "have another look at it maybe" - I explained to him the situation, he said that there was nothing he could really do then. I asked for a full refund, he said that he wasn't in a position to give me a refund. And here I am. I believe that under Supply of Goods and Services Act 1982 I have a good case of getting a refund from Citroen. But I have no idea how to go about it correctly. I am happy to take this all the way if I have to, and I am even contemplating contacting the car dealer who sole me the car under the the same Act maybe? I now owe a nightmare Motorfinance company thousands, completely out of pocket, had no car, and am beyond stressed, which doesn't help my illness. Can you please assist? I want to put up a fight and get my money back from these pariahs. Thanks

Hi guys, 14 months ago I was involved in an accident. Brief details are these - I was driving along a 30mph road at 30mph. Ahead of me was a car parked half-on, half-off the pavement, Directly in front of this car was the entrance to the other drivers driveway. As I passed the parked car, the other driver pulled out of his driveway. Actually he didnt just pull out but more flew out and hit the side of my vehicle with such force that it pushed me to the other side of the road and totally wrecked the front of his car ( bits all over the road). He came out so fast that once he had hit me it took him around 50yds to stop his car. Everyone stayed at the scene for approximately an hour. I phoned the police but as no-one was injured they wouldnt attend. The other driver and his partner (who was in the car with him) initially were quite apologetic and offered to go back into their home and get his insurance details. This offer lasted around 10 minutes until they had a change of heart and became hostile, accusing me of speeding, possible drink driving, and then pulling into the side of the road too quickly, this last accusation being a bit foolhardy as it was obvious I was in the middle of the road overtaking the parked car! A week or so later I received the claim pack from my insurers and sent them back with relevant statements, drawings etc. I should also add that I phoned them on the day of the accident, explained how the accident occured and was given a courtesy car the very next day. Ive since learned that the other driver was refused one. A year or so later, having heard nothing else from my insurer, I rang them to discover that they had considered the accident to be 100% no fault in my favour, BUT there was an outstanding personal injury claim from the other parties. Not bad seeing as they spent around 1 hour after the accident walking up and down the street between their car and home, making the above speculative accusations, and phoning their friends who then kept arriving and offering moral support to them! So can anyone tell me could my insurers pay this claim out seeing as they have already decided I was totally blameless? I ask because Ive read quite a few post on CAG about how innocent parties have discovered that claims have been paid out well after an event and that they didnt know about it and that this could affect their future premiums. I should also add that my car was repaired even though it was substantially side-damaged as it was a one year old DS3 and carried some value. The other car was a 51 plate Polo and was written off. Ive also since learned that the other driver considered this to be a "rare" and "classic" car. Apparently his insurers have told my insurers this! Stretching the imagination a bit!! Sorry for the long post guys, but best to give you everything I can. Thanks all.

I normally lurk around the debt forums and so not sure if this is to place to post, if not my apologies and perhaps a mod could move. Would like some advice about my rights in connection with a fault with an Audi A6 2006 I have recently purchased from Quicks (now Evans Halshaw) When I test drove the vehicle I noticed the radio would not switch off or mute and had to be silenced using the rotary volume control, however, given the dash of the car is like an aeroplane cockpit I assumed I was doing something wrong and been otherwise happy with the vehicle I purchased it for cash price near enough £7,000. Having used the car for 3 or 4 days and reading the handbook it became obvious that the on/off/mute button for the radio was in fact not working, I telephoned the dealer and made arrangements to return the vehicle for them to look at. Having checked the vehicle over I was informed that a) the radio fitted to the car does not turn off and the fact that the mute function does not work is irrelevant as the sound can be turned down using the rotary control! Now I have a problem with this on 2 counts firstly having taken the vehicle to an Audi main dealer the claim that the radio does not switch off is a lie and secondly having just handed over 7 grand of my hard earned for a car if it is fitted with a mute switch I expect it to work. Additionally I am annoyed by the attitude of the dealer which has changed from this vehicle is an outstanding example hence the top end asking price to more or less what do you expect from a 2006 car. I would be grateful for any advice for instance if I pursue this further is it possible that a court would consider the dealers claim correct i.e. it is a relatively minor fault which I should expect on a car of that age? Many thanks Nosnibor

Hi all - I'm in a bit of bind with my car so thought I'd ask your advice. Apologies if this isn't the right place to post this I haven't been here for a while! Basically a dealer had an ebay auction for a car and I won it. As the place was a 6 hour round trip I made the mistake of not viewing the car before hand. I also paid for it to be delivered so I didn't have to give up a precious weekend day with the kids to go and pick it up. It was delivered after a week, then the problems started... I noticed a crunch when putting the car into first gear. Being handy with a set of spanners decided I would replace everything possible to do with the clutch without removing the gearbox. Basically replacing the easy/minor bits (clutch master and slave cylinders) with genuine parts - to rule them out as being the cause of the problem. Unfortunately that didn't solve it and now by process of elimination it's looking like a major expense to fix it - most likely replacing the gearbox. As it was bought from a dealer over ebay do I have any options to return the car for a refund? Or have a shot myself in the foot by replacing parts (albeit with new genuine ones)? I paid for the car at the end of Feb, almost a calendar month ago. As an aside the car is covered in rust, far more than would be thought consistent with age. This wasn't mentioned either. The perils of buying anything unseen from ebay! Lesson learnt... if anyone can offer me some advice I'd really appreciate it. Thank you, Matt

Hi all. Back in December I moved house, our water supplier was Severn Trent. When we moved we retained Severn Trent as our supplier. A couple of days ago I checked my credit file, as I do once a month (checking for fraud etc...). When I did I found that there was now a CCJ on there from the start of March. After some investigating and calling the court I found that the claimant was Severn Trent and the amount was approx £350. I thought this was odd given that we're up to date with them (or so I though). I rang them to find out what on earth was going on and found out that when they were informed of my new address they set up a new account in my name for the new address whilst leaving the old account active at the old address. I set up a direct debit when we moved (cancelled the old one as I switched banks) and just assumed that the final bill for the old house would be taken care of by dd. as the old account was left active at the old address all the bills, reminders court papers blah blah blah was sent there, the bill covers the period up until the end of Feb, so at least 2 months until after I moved house and all the while I'm getting the bills for the new place thinking everything is hunky dory. because the court papers were never returned judgement has been issued in default and installments set at 50 a month staring in April. They say that something appears to have gone wrong (duh) and that they're investigating. I should apparently have a response this time next week. I would say this is down to them and would expect that they remove the ccj and let me clear a recalculated balance (minus court fees and charges for the period after I moved) ideally in reasonable instalments. The worst outcome I will accept is that the CCJ stands and I pay a recalculated balance (as above) immediately to have the CCJ set aside. I'm just wondering if anyone has ever been in a similar position and has any advice on dealing with them or could advise what a likely outcome of this whole mess would be. It all seems ridiculous to me and I quite frankly dont trust Severn Trent to behave reasonably or fairly in this scenario. thanks in advance for your advice

Hi, I've had a Samsung UE40F6200AK for 11 months - in that 11 months I've had the same fault appear twice. The first time it appeared I rang Samsung and without a bat of an eyelid they arranged for an engineer to come out and repair it. Now that I think about it I expect this was a common fault as they didn't question it. The first fault happened after about 4 months. The latest fault, exactly the same as the first happened over the weekend. In both cases I get a darker horizontal bar appear, I can still see what the picture is but it's darker as though a "light" behind the screen has failed. My first question is, should I receive a warranty on the parts they're replacing? Secondly, what rights do I have as a consumer that's had the same part fail twice within the first year of owning the TV? In the first instance they replaced the LCD display as it seems this is not serviceable, I expect them to do exactly the same this time. Thanks in advance, Pete

Hi, I have a problem with my tv where it displayed pink vertical lines down the middle of the screen. I phoned costco about a month before the 5 year warranty run out they got a repair company to look at the tv. The repair company turn up and looked at the tv and saw the problem and took photos of the problem and said they would need to take it back to their workshop to fix. Once they got it to the workshop they said they could not replicate the problem but cleaned the inside of the tv and returned it to me. When I got the tv back the problem had gone until now 7 months later when my warranty has now run out. I want to phone costco to see what they say but before I do I would like to know my rights are in this situation. Mark. Sorry i have put this is the wrong subforum can someone move this for me

I purchased a £400 tablet in November. And it's since developed several faults. They are. Tablet Screen is becoming unresponsive for 20-30 minute's at a time. The tablet is becoming incredibly hot. A system is popping up when the tablet is not in use (I only notice the error when i go to unlock it sometimes) The error is ''Unfortunately the UI has stopped working'' - Causing the tablet to crash. I have the receipt. Can i take this product back to Argos? And if so what can they do for me? As I'm a student this is what i use to make note's and research with whilst in class. So i can't really be without it. I don't want another one as I did some research last night when the screen stopped working , and it seems other people are having the same problems.

Ok on 20/1/15 i was stationary at zebra with people crossing, got rear ended by builders van cause he's looking at building work other side of road. he's a self employed builder carpenter. He offered to pay for repairs but seeing damage I knew car was a write off - so I insisted through insurance, so we exchanged details, he apologised admitted liability, I did a quick DVLA / MID check, there and then and van insured , mot and taxed. I even took license number from him, you'd think I done it by book.... Now it turns out license , van registered and insurance at his mums address, he lives elsewhere with girlfriend, which you could put down to just forgetting to update.... but here's kicker- I report to my insurance company that day and they contact his insurance company (same as details he's given me) told by my insurance company they have until 30th to fast track payment as car will be a write off. (as I have already got independant estimate) My car is collected and written off by 27/1/15 given a value of £690 which I accept as told if I dont hire car will be revoked or deemed chargable. but he has either not contacted his insurance company and or just not admitted liability, so no payment and all seems in limbo as my insurance company have contacted his and at stalemate. so I now had a hire car for 3 weeks so guessing about £750 of hire - just worried if he's Missing in Action so to speak I will be stuck with a bill for a hire car and no payout.

Hello CAG, Sorry if this is in the wrong forum, please feel free to move if incorrect. Long time lurker, only ever posted once before (against NCP - and won!!), just hoping someone can give me some helpful advise on an issue I now have. purchased a Sony TV from Tesco in April 2012. It had a Tesco 1 year warranty and also has a manufacturers 1 year warranty as well. No issues until now, but this weekend turned it on, and there are lines across the screen (horizontal), happens on all inputs/channels, checked cables etc etc, definitely the TV. Not impressed because I paid the extra for the 'name' and I thought I was making a bit of investment rather than paying less for a cheaper model. Phoned Sony and got through to some rude woman in Egypt?! who said go away. I then spoke to a guy at Sony in Scotland who was helpful, but they said being as it was after the manufactures warranty had expired there is nothing they are prepared to do, and the cost of repair would probably be more than actually buying a new TV. To me, a TV should last a lot longer than 2 years 8 months.. ie without a fault that effects the general operation of it... Whats also annoying as this is the 'upstairs' telly, which isnt used half as much as the TV downstairs so this is even more annoying! Is there any kind of act that even though the manufactures warranty has expired, I can 'lean on' as the consumer that the goods are not of good quality and have not lasted a reasonable amount of time... I cant really say to Sony that the TV was faulty upon purchase as the lines have only appeared now... Any help greatly appreciated, and keep up the fantastic work that you guys do here.

I used to be on the dole but on my visit a few months ago to the dentist, I told the receptionist that was working there I was no longer on benefits and could she update the system to show this...she also gave me a blue paper to sign which I did (I assumed this was normal procedure) after I had told her to update the system to show I was not on the dole anymore. Last week I got a NHS DENTAL PENALTY CHARGES NOTICE for £150.00! I was gobsmacked because I remember telling the receptionist to update the system to show I was not on the dole, so this would not happen. Luckily I had another dental appointment this week and explained to a receptonist the above, she said she could not understand why the receptonist months ago on my last visit had not updated the system and told me to email the practice manager who would investigate this and also locate the blue slip I was asked to sign (after telling the receptionist on my visit a few months earlier I was no longer on the dole) I emailed the practice manager explaining I had told the receptionist on my last visit I was no longer on the dole and to update the system to show this. This is the email I received in response from the practice manager ' Thank-you for your recent email, in which you state that you were not in receipt of any benefits on (date), as you has NHS treatment there is a set NHS fee to pay. The charge is levied irrespective of any misunderstanding or error on either part(patient or receptionist) as at the end of the day there appears to be no confusion as to whether you were in receipt of any benefit. It is incumbent on the patient to pay any fees due just as you would pay at a supermarket check-out, where you are in receipt of goods or services. May I also point out that the form you signed is a statutory legal obligation which must be disclosed by us the the NHS upon request. There is currently a no if’s no butt’s campaign by the NHS to recover lost fees and we would ask you to bear this in mind when receiving treatment from ' The error is clearly on the receptionist at the time who failed to update the system to show I was no longer on the dole, if the system had been updated when I had told them this would not have happened, the practice manager is fobbing me off, what can i do ?

Hello, I may need some guidance please. Last Wednesday I was travelling home from work, came off an A road onto a slip road which leads to a roundabout. There was a queue of traffic waiting to enter the roundabout. I joined the queue and was stationary when a vehicle behind me failed to stop and ran into the back of my car with quite some speed. I was propelled forward and almost hit the car in front of me., luckily there was no impact as my car came to a stop before hitting them. The guy who hit me got out of his car and stated he was sorry and accepts full responsibility. He gave me his name and an insurance company but stated he had no ID and no insurance documents on him, he said he didn't need any details from me as he accepted full responsibility. I took a photo of his car and registration plate with my mobile. He apologized and drove off, almost causing a second accident by nearly missing a van that came travelling up the slip road. My car has considerable damage to the back, the bumper is cracked, the rear passenger side wing is coming off, the number plate and number plate light are broken, the boot hatch is dented and I cannot open the boot anymore. I have neck and shoulder injuries and now have got a tinnitus in both ears, the doctor hopes it should settle again over time and is a whiplash type neck injury which can also cause the ringing in both ears. I have TPFT cover on my car and phoned my insurers to start the claim, when I gave them the details of the other car it came back as uninsured, the details he gave me were false. They said they couldn't help me any further but going by the damages described they thought for insurance purpose my car would be a total loss. (10 year old Ford KA). I since got an estimate from a local repair garage for £300.- to fix it though (the same garage I originally bought the car from and the guy said he would do me a deal as I think he felt sorry for me to be honest, so he said he'd do it for £300.-) I also reported it to the police who gave me details of the MIB, I spoke to them and downloaded a claim form which I have filed out and returned today. Ha anybody got some experience what is happening next and what I can expect to be the outcome ?

Hi All. My Father is nearly 80 and relies on his landline. He recently reported a problem on his line to his provider (Post Office) who confirmed there was a fault and advised him BT would be out to have a look. BT arrived a couple of days later and the engineer says there is a fault caused by water ingress and he needs a new connecter box in the house. He replaces this box and disappears. Next thing my Father is being charged by the Post Office £144 + VAT for this tiny box! No-one, not the engineer or the Post Office at any time suggested there would be a bill, let alone one for £144+VAT, they just did the work. He thought, as it was their box and their line, there would be no charge. Question is can they just do the work without advising him there would be a huge bill? Surely they should have quoted him for the work? Not only is he on a pension and can ill afford the cost, he is quite upset about it as he feels conned. The irony of it is that the water ingress came from the hole where the cable entered the house and wasn't sealed properly originally, so it is actually their fault anyway. Thanks in anticipation of any advice.