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  1. Sorry to ask a thick question as I am dealing with multiple accounts on multiple threads and my head is spinning a bit. Are mobile phone accounts from years ago (since picked up by Cabot Financial - originally Vodafone) subject to the same rules and regs surrounding SB, CCA etc etc? Thanks.
  2. I realised a default placed by t-mobile on my credit file after which i wrote to them for a copy of my agreement. When the first letter was sent, in response the wrote the following: "I refer to the information you requested and confirm that the service agreement you have entered into with T-Mobile is regarded as "exempt" under the provisions of the consumer credit act 1974 and as such we are not required to file a default notice prior to termination of the service agreement. For the receipt of any correspondence and copy of agreements you can contact our customer relations tem" As I did not have a clue what the above meant in plain english, I wrote to them again for an explenation of the above and the agreement to which they responded with the following: "No signed contract can be supplied as you connected with us direct and a copy of our terms and conditions, and a distance selling regulation letter were sent with your phone. This gave you seven working days to return the equipment to us if you were unhappy with anything. Our T&C advise that we do not need to provide you with the documentation you have requested and a copy of this can be found on our website. Now I am really confused on what to do. How can I challenge this default? with the above agreement, dont they have to send a default notice prior to placing this on my credit file? Can I make a request under the data protection act to see all my details and payment statements? is there anyway that I can get the default removed?
  3. Hi all. Just looking for a bit of advice. Let me just start off by saying that in May 2012 I got a HTC One X from 3 mobile on a 24 month contract. Just in the last month I started having issues with the screen, there were noticeable black flickers going across the bottom and side of my screen. I went into the three store to ask if I can send it off for repair as the warranty on HTC's is 24 months. They explained that for samsung and htc they no longer send it off for repair anymore, I have to contact the manufacturer directly to which they gave me a telephone number. Got home and called the number, arranged for UPS to pick the phone up (20/08/2013). In the time I was waiting on the phone being picked up by UPS, the left hand side of the screen went totally black. Just to note also the phone physically is in excellent condition, there are no scratches on the screen from using screen protector and there are no chips or cracks. I believe the LCD is leaking which has caused this. Now almost 2 weeks later I track my ticket number on HTC's website and it says "hold for quotation". Giving me three options, first of which is to pay £152 for the cost of the repair , second option pay £26 for the diagnosis and send me the phone back in its current condition. Or let HTC dispose of my phone. Naturally I phoned them up to find out why they are expecting £152 for a repair that should be covered under warranty. The girl on the phone said that the engineers have put my phone on hold because they believe the phone is void of warranty, but also explained that they can't physically remove the screen from the phone until I agree to the repair cost. How on earth do they come to the conclusion that my phone is void of warranty if they haven't even opened the phone up to look?! As I've said, the phone physically is in excellent condition, has been very well looked after. I am waiting on someone from HTC calling me back just to confirm that the repair centre have concluded that my phone is void of warranty, but surely they are being WELL out of line here? HTC One X's are very well known to have screen issues such as this, my phone was from one of the first batches but the girl on the phone can't tell me anymore until the engineers finish their so called "diagnosis". My question is, where do I go from here? Provided the situation is that HTC are still adamant that my phone is not covered by warranty despite there being no physical damage? Can I pursue my service provider for this under the Sales of Goods act? Any advice and input is very much appreciated! spud
  4. Hello, I am after some advice for an issue I have with Virgin Mobile. August last year I cancelled my contract at the end of term. I called the one month before the contract renewal date to tell them I did not want my contract to renew. I was told that everything would be cut off at the end of August and I wouldn’t receive any further charges against this contract. In the December of 2012, I was going back through my bank statements and I noticed that the monthly charges for the mobile had continued. I contactedVirgin to get this resolved. I received a quick reply and apology and I wastold that the money wrongly debited form my account would be paid back to me. I never saw this money go into my account I sent another complaint tovirgin telling them that the money owed to me was not paid back. Weeks later Ireceived a phone call. The chap apologised, blaming computer issues blah blahblah... I was told that the money would be put into my account within a week. Ichecked my bank and I have discovered they have only paid back £15 which is aquarter of the amount they owe me. Please can someone tell me what my next step should be? Are they in any wayin breach of the contract? Will I need to complain to CISAS? What type ofresponse shall I expect to get from Virgin for their failure to give me backwhat they owe? Will they offer a gesture of good will? On another note, before I noticed that there was this problem with myoriginal contract, I started a new contract with virgin to take advantage of adeal that I had seen. Any help or pointers will be greatly appreciated.
  5. Hi All, T-mobile have recently informed me of price increase effective from 9th may 2013. I find this really unfair and have been on the phone with them to cancel the contract due to material detriment as per clause 7.2.3.2 in their contract, However they insist that for the price increase to be of material detriment it has to be above RPI as stated in clause 7.2.3.3. But I think that is not correct. I will be writting a letter to them since they dont seem to reply to emails. If I send them the f ollwing letter will it be OK? Please advise. Thanks for your help. Dear T-Mobile, Re: Contract Termination for mobile number XXXXXXXXX I have received a letter from you informing me that from 9th May 2013 my price-plan will increase by 3.3% (i.e. from £36 per month to £37.18 per month). Thus, with reference to clause 7.2.3.3 in contract terms: 7.2.3.2. You are a Consumer and the change that We gave You Written Notice of in point 2.11.2 or 7.1.4 above is of material detriment to You and You give Us notice to immediately cancel this Agreement before the change takes effect; This change, in the price plan, is to my detriment. Your clause entitles me to cancel this contract without charge by giving you written notice prior to the change taking effect and I now wish to exercise that right. I would like to take this opportunity draw your attention to the fact that clause 7.2.3.3 is instead of, and pre-empts clause 7.2.3.3 and is not additional to it. Material Detriment is including anything implemented under 7.1.4, which therefore, includes price increases. May I also inform you that Clause 9.6 of the General Conditions of OFCOM which states: 9.6 The Communications Provider shall: (a) give its Subscribers adequate notice not shorter than one month of any modifications likely to be of material detriment to that Subscriber; (b) allow its Subscribers to withdraw from their contract without penalty upon such notice; and © at the same time as giving the notice in condition 9.6 (a) above, shall inform the Subscriber of its ability to terminate the contract without penalty if the proposed modification is not acceptable to the Subscriber. On the grounds outlined above, I look forward to a smooth termination of my account without any charges followed by the issuance of the PAC code. Please note if I do not hear from you by 30th April 2013 I will seek to resolve this matter through Small Claims Court. Please do not hesitate to contact me via phone on XXXXXXXX or via email to XXXXXXX. I look forward to hearing from you soon.
  6. We have 2 contracts under Orange which we have had jointly for many many years, approx 10 days ago someone called up from orange and asked if we wanted to switch to the new fast network EE, it was the usual sales pitch but to be honest we don't really use the internet that much so even though the sales person said it would cost nothing to upgrade we declined, the sales person then said they would speak to the other contract holder but this never happened. Unfortunately i started getting texts saying to swap sim cards which we got through the post, we just ignored the texts phones stopped working a day later paperwork arrived for the new contract which had gone up £16 a month with new sim cards, obviously we were both very upset and we were assured the phones but be back with the old contract within 24 hours later this did not happen we are now told it will be 5 working days, for something we never asked for we are both furious and would like to walk out of our old contracts because of this, can we do this or ask for compensation, my friend uses her phone for work and this has caused so many problems, whilst we accept the paperwork was sent, we never ever asked for this change, Orange are saying we asked for the change which we did not. What can we do? Both of our phones have now been off since Sunday, thanks in advance.
  7. Hi all, Need some help regarding tmobile trashing my credit file for the past 5/6 months now. I did make a complaint to CISAS but have just received a letter today claiming my complaint is outside the time frame for them, load of boll*** if you ask me, I never even heard of CISAS until this year so how could I make a complaint to them before that time. Anyway long story, short version here. T-mobile cut my phone off onto incoming calls only and this goes against the terms and conditions of the contract since I had written to them explaining my dispute and how much I would be paying and how much I would be with holding. These clauses are in the terms and conditions and I was so fed up that day when I needed to make some calls I cancelled the contract due to t-mobiles breach of there own terms and conditions. If they (t-mobile)have the right to immediately cancel the contract for a breach of the terms and conditions then so do I and that is what I did. Now t-mobile have been trashing my credit file with late payment markers, currently at 5 late payment markers now (August2013). I also lost out on a new contract phone from Three (HTC ONE) due to these markers coming onto my cca file, I have proof of this loss. I have now had enough, I want to take T-Mobile to court and make them pay for the damage to my credit worth and get the late payment markers removed. I am pretty good at writing letters but so unsure on how to word the POC for this claim and even what I am claiming for, default removal with damages to credit worth. Any help or advice will be gratefully received. Regards George
  8. I took a contract on 24m with Virgin around the 15th August. I rang on the 17th to give my notification to cancel the contract. The reason being are: the reception is poor in certain parts of the house and besides the phone seems to be a refurbished one. The reason I suspect the phone has been refurbished are that I opened up the google navigation for the first time and I was only greeted by previous searches that were done on the navigation system. I had never used it before and it had place search history such as Milton Keynes, Essex, Ayelesbury etc. I have never searched those places on the navigation ssytem. It immediately filled me with horror as I thought I was sold a new phone. I have asked for a PAC code and I was told I will get that once the phone is back in their possession and is ok. They said if it gets damaged in transit, it is my responsibility. Any thoughts people? Thanks
  9. Hi guys. I have a contract with T-mobile, but have not had a signal for a week, Ive asked them to cancel the contract under the supply of goods act, but have been told no, must pay £192 to leave. we need more time, and mobile phones should not be used in one place. any advice would be great. cheers.
  10. I live in a park home, covered by the mobile homes act.Under the mobile homes act, a resident may object to a rent increase. The increase is not enforceable unless the landlord goes to a residential property tribunal and they agree that the increase is acceptable. However, my landlord (the local council) claim that the mobile homes act does not apply to them. I understand that the mobile homes act applies to all mobile homes regardless of who the landlord is. The only exception is if the site is a gypsy or traveller site, which does not apply in my case. Now the landlord is seeking possession for rent arrears,although the only rent arrears are the disputed amount. They have filed a possession claim and that is scheduled for 3 weeks time. My question is whether I have grounds for a counterclaim. I would value my park home at £90,000 and would lose that if the court were to judge against me and grant an order of eviction. I believe my landlord is acting vexatiously. They have been threatening this eviction for 15 months. I believe that their actions are an attempt to make me believe they have a reasonable chance of being evicted. I believe that they expect me to fear losing £90,000 and sell my home voluntarily rather than risk losing everything by going to court. I am in an unfortunate position where I do not qualify for legal aid, and I can't afford a solicitor. I believe my case is a simple one, so am not worried about defending myself in court.
  11. Hi everyone, I received our June mobile phone contract bill and it has over 8000 text messages on it which are not ours! This is over £1800 inc VAT! The bill is 160 pages long double sided and T-mobile are saying the messages are valid. We have not made these text messages and they are all international a few seconds apart and all to different numbers over 4 days! We are getting nowhere with T-mobile and we have sent a letter to the complaints department and they said the fraud department has looked at it but the text messages are valid and there is no fraud but there clearly is and we did not send them! We have been with T-mobile for over 7 years and we still have the phone in our possession. The signal went on the night that the messages started and we didn't think anything of it. A few days later we rang t-mobile and said we had no signal and they told us about the bill! What can we do now!!?? Very worried about this and we can't afford to pay this bill t-mobile has started to threaten with debt collectors. Martin
  12. Hello all I bought a contract with T-Mobile in January for £26 per month. For the past seven months they have been overcharging me by £11 pounds per month. Yesterday I complained in store and they said that they had fixed it and now it was back to its original price. However, the online system still does not show this change. Furthermore, the customer services told me to fax my demand for a refund to a non-existent fax number. What can I/should I do?
  13. Hello, My phone was delivered to my address and signed for by the wrong person. I managed to get company to send me a new phone. It took more than 5 hours on the phone and research but they changed from "it is my (consumer) responsibility" to "we are very happy to deliver your phone tomorrow" in 1 second. The story is long, but worth a read if you are experiencing similar problems. Save yourself sometime, I wish I had more guidance and didn't have to find out by myself! I am not a lawyer and I am sure there are some things which the company could have argued back, but they chose not to. It worked for me. Good Luck! - Received text from UK mail advising my package will be delivered on Friday 5th July 2013 between 12:00 and 16:00. - Package was delivered after 17:00, beyond the period notified by the company, and signed for by “X”. - On 9th July I called EE and was informed my parcel was delivered to "X" but then returned to UK Mail. Give 7 to 10 days for the phone to turn up and call again. - Call Costumer Services on Friday 19th July. Case heard by “Y”. On my behalf, he fills in a disclaimer where I assure that although the mobile was signed for, I have not seen it or received it. He then reassures me a replacement will be sent after the investigation procedure takes place and the investigation team will contact me. - Call Costumer Services on Friday 26th July 2013 as my mobile phone has stopped working. I am informed my T-Mobile SIM card has stopped working (standard procedure) and I have to go to a store for a £10 replacement. - Contrary to that which was discussed with “Y”, I am the one that I should take action with the parcel company trace the mobile phone. - I have read EE’s terms and conditions and there was no provisions for delivery, nor there is an option for the costumer to choose a preferred courier service thus engaging with EE's preferred service provider. Their website only declares: § If UK Mail tries to deliver when no one's there to receive it, the driver will leave a card with details of how to re-arrange your delivery time. They’ll automatically try again on the next working day, after which the parcel will be held for a further five days before being returned to EE. You’ll need proof of ID to collect your delivery. - UK Mail Terms and conditions declare: § 8.3 For the avoidance of doubt, delivery to the Delivery Address (or alternative address) means we will deliver only to the postal address. We are not obliged to deliver Consignments to a particular part of a property or location within the property at the Delivery Address, or otherwise deliver personally to the Consignee and we are not liable in respect of any Consignment delivered to the Delivery Address, or any other address specified by you (or the Consignee), or a nearby address pursuant to clause - By delivering to “X” UK Mail have apparently fulfilled their contractual obligation to EE. This is pending further investigation of the Sale and Supply of Goods Act to Consumer Regulations 2002 and the Unfair Terms in Consumer Contracts Regulations 1999, which may cause UK Mail Terms to be invalid. - According to Section 5 of the the Unfair Terms in Consumer Contracts Regulations 1999 § 5.—(1) A contractual term which has not been individually negotiated shall be regarded as unfair if, contrary to the requirement of good faith, it causes a significant imbalance in the parties' rights and obligations arising under the contract, to the detriment of the consumer. § (2) A term shall always be regarded as not having been individually negotiated where it has been drafted in advance and the consumer has therefore not been able to influence the substance of the term. § (3) Notwithstanding that a specific term or certain aspects of it in a contract has been individually negotiated, these Regulations shall apply to the rest of a contract if an overall assessment of it indicates that it is a pre-formulated standard contract. § (4) It shall be for any seller or supplier who claims that a term was individually negotiated to show that it was. -As declared before, I was not offered a chance to negotiate the delivery of my mobile and was imposed a Third Party’s Terms and Conditions without an opportunity to negotiate them. -I have entered in a contract with EE, a mobile provider, not UK mail, a courier service. - The courier contract is between EE and UK Mail thus, EE should trace the parcel, not myself. - In my view, it is EE’s duty to provide me with the appropriate device to use their mobile services. - According to advice given by the Citizens Advice Bureau to others, EE is “in breach of contract and that (I should) demand that (you) provide you with the phone as agreed”. - According to EE’s Terms and Conditions, point 5.7. “We (EE) will not be liable to You if We cannot carry out Our duties or provide Services because of something beyond Our control.” - I believe the correct delivery of my mobile device was an action within your control as you should have assessed the courier’s T&C to determine whether they would assist you in fulfilling your contractual obligations with me. - UK Mail declare: “EE have not provided UK Mail with appropriate apartment number, hence UK Mail could not deliver parcel and delivered to any person on the address without the proof of ID required” - Concierge identified colleague as “X”. He signed received and kept delivery. The delivery did not have a flat number. It is against their company policy to accept and keep packages which are not clearly identified. - "X" made these terms clear to UK delivery man who said to keep the parcel for 24 hours and then send it back. - “X” returned parcel on Monday 8th of July at 11:00 to a UK Mail representative, who did not sign or provided any receipt. "X" did not witness the UK Mail representative scan the package. -EE Insist mobile was delivered to my address, even when it was incorrect. -Quoted: § Section 29 Sale of Goods Act 1979 4) Where the goods at the time of sale are in the possession of a third person, there is no delivery by seller to buyer unless and until the third person acknowledges to the buyer that he holds the goods on his behalf; but nothing in this section affects the operation of the issue or transfer of any document of title to goods. -EE failed to provide accurate address. Phone delivered on terms I did not expressly agree to and were not negotiated, under a standard contract between EE and a third party. This makes terms unfair as I was not made aware, and were not negotiated. Third party (UK Mail) is not acknowledging possession of handset as they declare delivery has taken place. -Third person, by signature, for UK Mail acknowledged possession but has returned package. -After long discussion and quoting my rights, EE magically arranges next delivery to be signed for by me. -Legislation is magic.
  14. Hello, Just a quick question, can a loan taken out with Mobile Money be included in an IVA or Debt relief order? Thanks.
  15. money saving tip if you use mobile broadband.... a friend of mine was using a dongle for around 2 years until i discovered that she was paying £15 for just 3gb data allowance. (this was with 3 network) i am also with 3 network and for £15 i get 300 minutes, 3,000 texts and unlimited internet. (pay as you go, unlimited allowance lasts for a month) i connect my laptop wirelessly through my phone and enjoy a very cheap phone and internet service. my friend purchased a new phone for £40 and this connects her to the net and she now enjoys unlimited internet without having to pay £15 every few days! this works with windows as well as linux... hope this post saves some of you some £££s!
  16. I've got a contract with Tesco Mobile which is due to expire in October. However, I want to get out of the contract early as I am unhappy with the service they are providing me. It all started when my mobile, an HTC Desire HD A9191, started acting up by randomly rebooting itself every few minutes. I sent it away for repairs and it came back to me some time later — but the fault hadn't been fixed. I sent it away again, and I got it back. It turned out to have been a waste of time, as the problem STILL persisted. I decided to use this when trying to get out of my contract. After all, I am paying £30 a month to use Tesco's services — and you'd think actually fixing the phone when it's faulty would be a part of that service. However, they flat out refused to let me get out of the contract without paying over £200 in remaining line rental, nor would they give me a refund. I'm at my wit's end here. Surely there is something I can do to get what I want?
  17. Hello, Trying to get in touch with these people. I surrendered my car last week and it sold on Ebay yesterday. trying to contact them about what happens next and I can't get in touch with them. Tried local office and the number is coming back as not recognized, and none of the tel numbers on their website are working either. Has anyone heard anything about them? Thanks
  18. HI We are traders and bought a car off a customer who said he would bring the logbook but never showed. Now registered the car in my name but I am a director of the company and preparing it to sell on but have had a comp slip throguh my door from mobile money asking me to get in touch. Have no intention to do so until I get a formal letter but would like advice on this matter - Have hidden car - looked at threads already Can I sell the car on ? Is worth about £1600.00 If not if I scrap it can mobile money come after my company and I. I noted the innocent party thread do we make a statement to the police or just notify mobile money when they write to me formally.
  19. Hello, I have been reading the posts regarding Mobile Money and Bill of Sale and got myself all confused . I stupidly took a log book loan when we ended up in rent arrears, at the time we could afford the repayments and were paying on time every month. Just after Christmas I topped up my loan ( for £150) and continued making payments on time. In March my husband was expectantly made redundant. Payment was due on the 28th April. On Tuesday I got a call from the local office asking when April's payment was going to be and I asked if I could have another week to raise the money, they are fully aware of the situation. He then tried to get another £150 a month off me, which I said I couldn't do, or take the loan over 18 month to reduce the payments, obviously I don't want to refinance again and get in more debt. He then told me I was a month in arrears and would be in touch. Now I am sitting here with frayed nerves waiting for a knock at the door and the car being towed away. A few things I need answers too, if anyone can help please.... 1. If I apply to the High Court to see if the bill of sale has been registered - Does it have to be registered during a certain time scale? 2. Which Bill of Sale to I have to apply for to the Court, the original or the top up loan? 3. Have read right that the bill of sale has to be witnessed by a solicitor or have I got confused somewhere? The only people that signed any paperwork were the person giving me the loan and myself. 4. How can I tell if the bill of sale is linked to the credit agreement? And what happens if it is? If someone could answer these for me I would greatly appreciate it as I don't know what to do next, obviously I don't want to loose my car and it was a stupid thing to do, but I have never been in debt before and have no idea what to do or where to turn next. Many thanks for reading.
  20. I just wanted some advice on where I stand I've had a log book loan for some time and never missed a payment. We are currently in the position where we are struggling to pay. The car itself has died a death and has been scrapped so there is not a car to repossess. I would like to reduce the amount we are paying but mobile money have refused. Am I best just stoping payments or what other options do I have?
  21. The issues with disputes involving mobile phones, is that if you do have a dispute and it is referred to an Ombudsman scheme, then if your claim is upheld any award could at best be described as mediocre. One of the key areas that needs to be explained, which may form beneficial to consumers are linked transactions which may fall under the Consumer Credit Act 1974, are thus referable to FOS, which could result in an award exceeding £5,000. When consumers often take out a mobile phone contract, they often have to pay an additional fee to obtain certain handsets, in particular where the I-phone is involved. This additional fee could in many instances be paid by credit card, which in effect, relates back to the Consumer Credit Act 1974. The handset is an essential part of the transaction as you cannot utilise an airtime agreement with O2 etc without one - you need the phone to make the calls ! The airtime contract may sit outside of the Consumer Credit Act 1974, however, the purchase of the handset could be deemed to be a linked transaction. In addition both the handset and the airtime contract are very often sold by the same company. Question, if a dispute was to arise in respect of the phone contract and the consumer was; a. in a position where there airtime agreement debt was sold to a debt collector. b. involved in a dispute arose about the product being fit for purpose. ie no signal area, faulty phone etc Then surely FOS would be able to provide an opportunity to adjudicate and award the consumer enhanced redress if any dispute was handled in an efficient manner ? At present we are seeing thousands of consumers accounts being handed to companies such as Lowell's, whom would appear to pursue consumers whom often have genuine disputes, without the risk of such companies being penalised sufficiently for the manner in which they handle complaints. At present there is not enough facilities for consumers to seek redress where a. airtime contracts are concerned and b. where consumers are unfairly harassed by DCA's when they have been incorrectly targeted or the debt does not exist.
  22. Hi all, my wife as had to send her phone to Samsung because it stopped working, she took it to 3 store where we have our contracts they looked at the phone and said it was in exhalent condition they said they thought it was a soft ware problem. Samsung have come back and said there is a crack in the screen, so the warranty is void, we didn't see any crack and nor did the shop my wife has been very careful with the phone, when it stopped working it was in her bag, with her kindle and glasses, and was in a good case to stop it been broken, my wife said it must of been do in transit they say it's not transit damage so could someone please tell me where we go from here. Thanks
  23. Hello all, I hope you can help point me in the right direction. In 2008 I opened a mobile broadband account with Vodafone online. I received a dongle and was on a contract for pay monthly. Within a week or so of getting the dongle I realised that I was not in a well serviced 3G area and promptly returned the device where I was assured the account would be closed. I noticed a month or so later that Vodafone was still taking money so I cancelled the DD and requested a refund for the charges. I was travelling when I noticed this and dropped the ball. The charges were so small that I didn't feel the need to chase it any further. Recently I have been looking at getting some credit and found that I was being declined. I checked my credit file and found that a default had been registered for a mere £100. After contacting Vodafone several times they are not willing to listen to my side of the story and it has taken months to get any information out of them, for example the mobile phone number. I really just want this default gone as quick as possible as such a small amount is ruining my ability to get credit and distressing me and my partner as we look to buy a home. I have even contemplated offering a compromise in paying it off in exchange for removal even though I feel that is admitting defeat it has crossed my mind. I would really appreciate anyone who could help me get the ball rolling. Thank you in advance.
  24. Making a successful insurance claim for a lost mobile phone can be virtually impossible, a financial regulator has said. The Financial Conduct Authority (FCA) has found widespread poor practice in mobile insurance policies. It said some policies were not designed to meet customers' needs, and some terms and conditions were "unclear and unfair". The FCA said it would impose a fine on one insurance provider next month. In one case it said an insurance claim was turned down because a customer knew where they had left their phone. Another claim for a lost phone was rejected because a woman had left hers in a hotel room. Since she had checked out, that was deemed to be a public place, which was excluded from cover. "What this review shows is that sometimes there is a gap between what the customer thinks they are getting, and what they are really getting," said Clive Adamson, the FCA's director of supervision. In its review of the nine biggest providers of mobile phone insurance, the FCA found that: some firms were not thinking through why so many claims were being rejected products were not always designed to meet customers' needs policies were designed to cover loss, but in practice did not cover instances where customers leave a phone somewhere accidentally descriptions of cover were too broad and ambiguous http://www.bbc.co.uk/news/business-23084029
  25. Residents of mobile home parks in England have been given new rights to protect them from rogue site operators. A Commons select committee report last year found many residents experienced problems with maintenance, security, written contracts and intimidation. New legislation, introduced on Monday, bans site owners from the buying and selling process and gives new powers to prosecute those who harass residents. Communities Secretary Eric Pickles said it "called time on the crooks". There are about 84,000 "park homes" - relatively low-cost bungalow-style residential properties, usually sited on private estates - on 2,000 sites across England. Those who buy them, own the home but pay a pitch fee to the site operator, who owns the land and imposes rules and regulations. Before the new legislation came in, those rules included getting the site owner's approval for a buyer when selling the home on. http://www.bbc.co.uk/news/uk-politics-22677508
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