Complaint regarding Barclays after i lost my job and had to make reduced payments. Barclays defaulted one of my credit card accounts after 7 months of arrears. They defaulted the other after 10 months. I complained that the second default date was completely inaccurate and asked for it to be changed to one similar to my other account. The adjudicator upheld my complaint but Barclays would not accept his decision and complained. The adjudicator then changed his mind saying he had not taken into account Barclays internal procedures which resulted in the delay. I showed that the delay in the default date is in breach of the ICO guidelines on defaults which state a maximum of 6 months. I also showed that the ICO guidelines specifically state that internal procedures should not be the determining factor when a default is registered. Ombudsman: "The ICO guidance does state that defaults should be registered within 3-6 months, but our service would not insist that this is followed in all cases." Regarding the delay between the first and second account default date. Ombudsman: "I'm persuaded the bank thought the applicants financial situation could improve." "It was required to treat customers positively and sympathetically" I find it disappointing that it was fair and reasonable for Barclays to delay a default to one of my credit cards but also find it fair and reasonable that they decided it was not necessary to do so on another. Ombudsman: Referring to the bank. "It says it has no record of the account the applicant refers to. It appears the applicant cant provide information about that account either." I provided my credit file which has the account details and adverse information which is reported and updated monthly by Barclays. Is the ombudsman awake? Ombudsman: "The bank says it generally issues formal demands to customers after an account has been in arrears for 7 months, and that it then given the customer a further 28 days notice before registering a default. It appears the bank did this in this case." This was almost word for word what the adjudicator said. Truly amazing since i had already explained to the adjudicator the maths; "I still do not understand how the default date 29th July is 28 days after the formal demand 1st June? I make this 59 days." What else can i say. A terrible and very poor service.

Yeahhhh, at last, Atos has been found out....I just wanted to point out one slight problem and I realise there's no quick fix answer, but whilst ATOS is completing its contract by August (I believe), this incompetent and unfair system is still being used to assess claimants on ESA.....This is not going to end well for claimants. Will this not mean thousands of claiments appealing after August has come to an end? The government can't really say " you were already assessed and it was a fair decision" because the government have already agreed ATOS is not competent and fair. I would have thought it would have been a better idea to have someone overseeing each appointment, making sure each assessment was fair and reasonable. I agree it should never have been tendered out to companies, doing it for the cheapest they could and saving money where possible....and we all know how that was done!.... at the expense of the claiment....OK Rant over

I am pulling my hair out with frustration here concerning DVLA's utter incompetence. Following my driving ban(yes I know before anyone says) I waited until 5 years had elapsed to allow my wife to obtain her much needed Motability vehicle. I sent in my D1 form with the relevant fee £90,also owing to one of the idiots on customer services also sent the medical fee to them.I was advised this fee was £135,so I duly sent that also. I since learn the medical fee is in fact £98.50 and should never had been sent to them in the first place. Now they have no record of either postal order on the system after a wait of 3 months. Following phone call after phone call am no nearer to obtaining my much needed license back. Unfortunately Carole Evans OBE(customer services manager) does not take phone calls so anyone have any idea what to do next? Have written to Postal order admin team in relation to the postal orders however do not have the money to re-apply. A truly woeful situation.

When I took out my Pay Monthly contract with Vodafone, I was living in an alternative address to the Account Holder. I bought over the phone and asked for my phone to be delivered to the alternative address. They said they couldn't, and sent it to the account holder's address. My parent then brought me the phone from that address. Not once was it mentioned that having an alternative address to the account holder meant that if I had network issues in the area, nothing could be done about it, which is what I have just been done by a Senior Account Representative. This representative said that it was a Verbal Agreement, of which I was not informed of. In the terms and conditions on Vodafone's website, it says that if you do not have network coverage for 7 days in a row, your contract can be terminated by them, with no charges on your behalf. Seeing as there has been temporary issues within the network, my calls are failing constantly, neither phone nor sim card, nor alternative phone, nor alternative sim card are working. This means that until April 2014, I am unable to have a working phone, or alternatively have to pay the contract cancellation fee of £425 (for a non working phone). I am astonished that this is how Vodafone, a massive company, works.

Hi there, I would appreciate assistance with this matter. A bit of history - I bought a car in June 2007 from CarCraft and the finance was provided by BCT on a HP basis. In April this year I lost my job and entered into an agreement with BCT to reduce my payments to a token amount due to my only income being benefits. I missed a month's payment before the agreement was put in place and then have been in contact with them every month to renew the temporary payment agreement. This week I have received 2 letters from BCT - one of them informing me that they have passed my account to their recoveries team. It lists the balance outstanding on the account, the arrears and default sums. They go on to say the account has been passed to a Debt Recovery Agent who have been instructed to either - collect the vehicle, - arrange payment of the arrears or, - collect the outstanding balance if the car has been sold by them or me. It also informs me that, if suitable payment can't be agreed with their agents, and I do not choose to surrender the vehicle to them voluntarily they will apply to the courts to obtain possession of the vehicle and any legal costs incurred would be applied to my account. However, if I choose to surrender the vehicle, they will sell it at auction and any shortfall between the balance and the sum received for the vehicle at auction will need to be repaid by myself. They include a list of typical debt collection agenct fees that, if incurred, I may also be liable to in addition to any balance of the original account. The second letter is the Notice of Termination. This informs me that, because I have breached the agreement and have not taken the steps specified on the default notice to resolve it, they have terminated the agreement. They state they are the legal owners of the vehicle and demand it's immediate return. If I do not contact them and make a satisfactory arrangement to do this they will repossess the vehicle and, costs incurred in doing so will be added to my debt with them. They state the same outstanding balance and total arrears but do not mention the default sums mentioned on the previous letter. Now comes the interesting part............ I dug out my paperwork from when I got the car and, on the HP Agreement document, where it mentions repossession it says that "if you do not keep your side of this agreement but have paid at least one third of the agreement (and give a figure), we may not take back the goods against your wishes unless we obtain a court order. If we do take the goods without your consent or a court order, you have the right to get back any money you have paid under this agreement." In the booklet "A Guide To Your Hire Purchase Agreement" they state that, "if we do terminate, you must immediately return the vehicle to us at your own expense and in a condition which meets your obligation under Clause 4.2 above. If you do not do so, we will be entitled to repossess the vehicle." There seems to be a discrepancy between the two documents so I'm unsure which to take notice of in regards to returning the vehicle to them and their right to repossess it as the second document seems to say they don't need a court order irrespective of the amount paid back. Part of me says hand the vehicle back to them to minimise the added costs to myself by another part says make them take me to court as they have had 4 years of payments on a 5 year payment plan. Can anyone advise me what to do next? I can't scan documents but can type up anything from the agreement I've signed, the booklet about the agreement or the letters from them (I've kept all letters since I got into problems but have to say most dealings have been over the phone so far but they send a letter after payment agreements were made with them on the phone). Thanks for any help, Feebee_71 Is no-one able to help with this? Feebee_71 Bump - PLEASE!

Hello, For the past two weeks I've been trying to order a phone + contract with Virgin Mobile, but failing miserably. In week 1 I've attempted to order the deal on their web site, but each and every time I got the page "Oooops, something went wrong". Last Friday I decided that enough was enough and ordered the deal by phone. I was told that I would receive three emails: 1 to confirm the order, 1 to inform me the P&P charges were taken from my account and 1 to tell me my phone had been dispatched. However, I only received the first one. On Monday I gave them a call. My order could not be found anywhere in their system. They gave me some vague excuse that their system was updating exactly at the moment that my order was put in, which is why it had vanished. So I reordered and went through ALL the questions, giving my details, etc., once again. I was told about the three emails again and was given a delivery date of the next day. But, yet again, I only received one email and my phone never arrived. On Tuesday I gave them yet another call. The order had vanished from their system once again and I had to place the order a THIRD time from scratch. Once again the tale of the three emails and a delivery date of Wednesday. It's Friday now. I've received only one email again and no phone. Yesterday I've sent out an email of complaint to them, but they haven't responded to that either. When a sales department is clearly unable to sell, I would -- and have -- call them completely and utterly incompetent. I've never seen anything like it, it's so bad. And it doesn't exactly boost any confidence in their technical department or their network either, because that's what happens. When one department is totally incompetent, you start wondering whether other departments are the same and any confidence you had in the company will go down the drain. I am absolutely horrified at their, what they call 'Customer satisfaction'. According to their web site they've won several uSwitch awards, amongst which the 'Best Customer Support'. Yeah... right... And the absolute worst part? The offer I was trying to get ended yesterday, so they don't even have it anymore... I'm truly disgusted... --=Roger=--