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  1. Good Day I would like to ask for help please I am in contact with our friends from Lowells ref an alleged mobile phone debt. I was bombarded with letters stating that they had bought the debt and that I owed more than £450. Now I did have a 3 mobile account, it was terminated quite properly in March 2014. Payments, were made by direct debit and there was no outstanding airtime balance or early termination fee. I finally got tired of Lowell, so sent them a templated 'Prove It'. They responded that collection activity on my Panther account had been suspended. Panther is an EE/Orange tariff. I have never had an. EE/Orange contract Today I received the 'Prove It' response. The alleged proof, all they sent, is my FINAL BILL for £76.08 twice my monthly payment. I guess that as a final bill, the last 2 months are charged as such accounts are billed in arrears. No issues with that. No mention of anything else. On the FAQ sheet, rear of the letter it states "The original creditor has only been able to provide the enclosed statements" However, they also claim that they are entitled to claim Early Termination Charges which may not appear in statements. I have never received notification from either 3 or Lovells regarding assignment of the alleged debt. I paid the last bill a few days late as I was working abroad, but that was never challenged. It should have gone through by direct debit, but I had changed my account details after changing jobs. I notified 3 of this and they replied that the final bill could be paid via Giro Credit. They even sent me a slip. This was paid accordingly. I have records. I am happy to do battle with this parcel of rogues, but I don't want a sneaky CCJ. Is this a fishing trip? Can they tack on charges not covered in a final bill? Any pointers would be welcome. Thank you.
  2. Hello All, Last monday brought a mobile phone online from amazon approx £90.00, selected one day delivery and the parcel arrived the next day, when i got home from work i opened the box and thought rather light, when i opened the package using the tear strip the mobile phone box was inside but the void seal broken i opened up the box all the other content there but no phone, called amazon told have to open investigation and wait 48 hour, thursday came called amazon yet again, told me to call back in an hour, did this and was told by amazon that there investigation is complete and they are happy the phone arrived , i told them it surely didn't so they told me they would email me the next step, the next step is to contact the police and file a crime report and send them a fully copy of the crime report, I was furious by this time so decided to head to the amazon depot, when i got there the security guard got one of the managers down he said it was wrong how i was treated and took the package and remaining contents from me and said he'd be in touch and investigate things his end and get me a replacement asap, This didn't happen at all, so know im left with nothing at all, i contact the police and they told me there is no crime to report as its a civil matter ??? What can i do next to resolve this ? i help me out guys pleaseeeeeee
  3. I wonder if anyone can help me. I have a t mobile current balance showing on my credit file from 1999. The amount is for £155 It is not showing as a default, only as a current balance. How can I get this removed as experian said that T Mobile must do it? Any advise would be greatly appreciated as this is giving me a poor credit score. I have not been in contact with them since 1999 and have made no payments at all.
  4. Hi all, Hoping someone here might be able to advise my next step or point me in the right direction. Back in January 2016 I called T-mobile to provide my 30 day notice and request a PAC. I tried to terminate using the webchat but kept being advised that termination needed to be over the phone. I decided against keeping my number as I was receiving so many sales calls and random texts so just took out a new contract with Life mobile. A week or so ago I discovered that T-mobile were still charging me £32 a month, so emailed them for an explanation and a copy of the call where I provided termination. They have responded to say that they have cancelled the contract with immediate effect but can not refund the £32 a month for the past 8 months. I've protested saying that the termination notice was provided on time and again requested a copy of the call recording, thinking that as this is the only proof I've cancelled as they don't accept it in writing, they will keep it on record. Their response today is as follows; "Thank you for your email and I can confirm I have now cancelled your line with immediate effect as requested. A final bill will be produced in the next few days and I will make sure this shows as a nil balance so there is nothing else to pay. You contacted our retentions team on 13.01.2016 and requested to put in your 30 days notice to cancel but you also requested a PAC Code. You were advised on the text message with your PAC code that if you didn’t use the PAC code then your line will stay active and continued to be charged. You didn’t need to request a PAC code if you did not intend to use it. You could have just told the retentions team advisor that you wish to cancel your line and not keep the number which would have been happened after 30 days. Every call is recorded and I have tried to request this one from 13.01.2016 but it is unavailable. This is either due to the age of the call or because it was part of a transferred call which can sometimes cause problems with the recording. Due to this I am unable to send you a copy of the recording. I hope the above information is satisfactory but if you have any other issues then please do not hesitate to contact me again." I no longer have the phone I was using so can't check the text message they sent. However, I'm certain this was not explained at the time, and given that they state in their T&C's that it must be a verbal termination notice, I believe I have done everything correctly. Please can someone advise what I do next as I would like a refund of the monies paid since the 30 notice expired. Many thanks
  5. Drivers caught using handheld mobile phones in Britain are to face "much tougher penalties", with fines and points doubling, the government says. Under new rules expected to come in next year, drivers will get six points on their licence and face a £200 fine. Newly qualified drivers could be made to retake their test the first time they are caught. http://www.bbc.co.uk/news/uk-37389800
  6. Hello all, Wednesday 14th September 2016 On Wednesday 14th September 2016, I arranged for http://www.powerflush365.co.uk to carry out a power flush of my central heating system, (no heating just hot water), the work duly carried out, on completion of work, time to pay him for the service I requested an invoice for proof of work carried out. He said that he was going to email me the invoice and some sort of certificate for insurance purposes, I then gave him my email address, he wrote it his diary so I handed over the agreed sum and he left. After he left, I realised that I had given him the wrong email address, so I sent a text with the alternate email address and also sent an email message to info@powerflush365 explaining with the alternate email address. He has left me with my system is not working (no heating or hot water) as he explained to me that I had to purchase a new plate to plate heat exchanger as the power flush did not clear the metal particles inside it, he also promised to return and fit the new heat exchanger at a reasonable price, all I had to do is inform him when it arrives and arrange a day to fit it. Thursday 15th September 2016 So far I have no response from Powerflush, either from the text or email, I have not tried to phone him yes as he took my mobile number and keyed it into his mobile. 09:00 called Powerflush – went to voice-mail. My question is: Am I legally entitled to an invoice proof of work carried out and proof of payment?
  7. Last year, I had come to the end of my contract with EE mobile and because I believed I had been paying in advance I requested a final itemised statement of how the final bill was worked out but all I was getting was the final amount with no other explanation, the account was passed to a DCA and then passed backed to EE after which confirmation that the account was closed and they was not chasing the alleged debt. I had since found out that EE have placed the account in default on my credit file, how can I get this removed ?..
  8. READ MORE HERE: http://www.independent.ie/business/irish/thousands-of-three-mobile-phone-customers-double-charged-due-to-technical-error-34970802.html
  9. Hi, I will really appreciate your guidance, suggestions and help please. Bought LG G3 phone in June last year from amazon.co.uk for £234.93 (Sold by FRElectronics:Fulfilled by Amazon) and paid by Capital One credit card, it came with a 2 years warranty. I use all my things very carefully and was very careful with the phone; within a couple of months noticed that it overheated every now and then and upon searching online saw it was a common problem with LG G3 but as the phone was at least operational I kept on using it. Earlier this year the screen became yellow at one spot on left side and it seemed that it was also a common problem, I contacted LG support and they said it will have to be inspected at their service centre and since I was out of the country at that time I thought when I will return to UK I will get it checked by them since the warranty is valid till June 2017. Last month it stopped working just like that, I had put it on for charging and later on when checked it won’t work and showed blue screen and sometimes even the blue screen didn’t show. I tried all possible things that were suggested in different forums like taking the battery out and restart etc nothing helped. Contacted LG support through their website and they said they will have it collected and repaired, they got it collected through DPD after about 10 days I got a notification that it’s being sent back. When I collected it, I was very disappointed to see that they have not repaired it and just sent a note that states: “Out of Warranty Inspection Report We have inspected your LG mobile and regret to inform you that due to our findings of liquid damage we are unable to accept repair under LG’s warranty policy. Faults/Found Evidence of liquid residue found. Comment Unit is deemed to be beyond economic repair and out of warranty” I called up their support line straight away and guy on the phone said nothing can be done as its liquid damage, I said to him that it never fell down in water etc and he said that it could happen even with small amount of moisture/dampness entering the phone which gradually expands. I am not happy with the response I got and also do not agree with their findings and advice. I need advice/suggestions as to what shall be the best course of action to resolve the issue and either get my phone fixed, replaced or refunded. 1. Shall I contact LG again? Although I don’t think they will do much as the guy said nothing can be done. 2. Contact Capital One as paid through them and it was £234. 3. Contact Amazon I understand that after 6 months things may become slightly more difficult but like I said above I was always careful with the phone and experienced the heating issues within the first couple of months and subsequently yellow spots afterwards and then finally it stopped working. In my experience the phone design and hardware is faulty as I am not the only one who experienced these issues. Looking forward to your help. Thank you
  10. Hi all, Need some help please. Have received a summons from the Bulk Handling Centre for an old Orange Mobile Debt - About 4 years old roughly. Date of Issue: 06/04/16 - Acknowledged - 08/04/16 Details of claim; Claimant: Lowell Portfolio Ltd Defendant myself POC (1) - The defendant entered into an agreement with Orange under account reference xxxxxxxx ("the agreement"). (2) - The defendant failed to maintain the required payments and a default notice was served and not complied with. (3) - The agreement was later assigned to the Claimant on 19/06/2014 and notice given to the Defendant. (4) - Despite repeated requests for payment the sum of £176.54 remains due and outstanding. And the Claimant claims; (a) The said sum of £176.54 (b) Interest pursuant to s69 County Courts Act 1984 at the rate of 8% per annum from the date of assignment to the date of issue, accruing at a daily rate of £0.039, but limited to one year, being £14.12 © Costs I have acknowledged the Service online with MCOL. I'm no expert here but I've been reading through other threads and it seems the wording is incorrect on the claim form, being it was a Contract for Services rather than an Agreement. Am I still able to send a CPR Request in order to get their ownership of said debt? Can someone please help me a little. I'm drafting documents as I type this but running into a little blank moment from reading so many comments.
  11. If you're annoyed by nuisance calls, you can opt out of them by text message. The Telephone Preference Service (TPS) has been running for a number of years, but according to communications regulator Ofcom only 48% of the people it surveyed knew that mobile numbers can be registered on the TPS (compared with 88% who knew about home phone numbers being eligible). The "text-to-register" service lets you add your number to the "do not call" database of the Telephone Preference Service (TPS), which is good news (provided it works). If you want in, all you have to do is text "TPS" with your number to 78070. And that's it. You should get a SMS reply from the TPS, which confirms that your number has been added into their database. http://www.bitterwallet.com/mobile/today-you-can-opt-out-of-cold-calls-by-text-92175
  12. Hi, Wondering if anyone can help. Posting on my partners behalf as she is too stressed over it. Last month, my partner had noticed a direct debit coming from her bank account from H3G and rang up Three to try and see what it was about. She has NEVER taken an account out with Three. She is with EE with whom she gets staff discount as she is an ex employee so would never have any need to get an account with Three. Three weren't very helpful on the initial phone call and just told her to call her bank and get the charges refunded. She then spoke to the bank the same day and received a refund of £180 last week. Today she received a phone call from CARS debt collection agency in Basingstoke saying that she owes £200. CARS just told her to speak to Three..... She has rang back to speak to Three about it and their attitude is pretty much "how do we know its fraudulent". They are asking for Three mobile numbers or account numbers and she doesn't have one to give them as she has no idea about it. Three are saying it's for a Three SIM Only deal which was taken out in August last year via a 3rd party website. At the time that the contract was set up, my partner was in hospital with sepsis and she was in there for a good few weeks. Their attitude on the phone is disgusting. They've said "you could still have access and use the internet in the hospital". My partner was in ITU and there was no way she could have used the internet. I'm disgusted that they are treating her like this. Nobody seems to care that her details have been used to take out a SIM with them. They just want their money. She is also really concerned that her credit rating has been damaged because of this. We are both disgusted by how they are treating her and will seek legal advice if this isn't resolved as nobody is taking ownership. Is there anyone from Three on here that can help?
  13. Hi, been a while since I have been on here but here goes... I have A T-mobile account, with two phones on the same contract. I have no signal in my property, around my property it is patchy and unuseable. I have contacted them through twitter and was told I couldn't have a signal booster as they don't guarantee signal. I wrote them a letter stating that they could either cancel my contract or send me a signal booster. They have ignored my 14 day reply time frame. what next? thanks in advance.
  14. How do these work exactly. I have a loan with Mobile money but they don't have the log book as they gave me the loan when I first had the car and had sent off for the log book. As I am now in financial difficulties with them, how can they seize the car without the book? Also, could I still sell the car and then pay them back rather than them seizing it and selling it cheap?
  15. Ok this is a lengthy issue but I'm going to add this step by step rather than just rambling on. 1. Purchased a contract phone via affordable mobiles. FREE Samsung Galaxy S5 on a £35 a month contract with EE/T-Mobile. 2. Very soon realized the signal was terrible and hardly anything worked, calls, texts, 4G etc ... 3. Contacted T-Mobile to cancel ... They said I would have to pay up the contract in full since they only promise "A Service" not a "Perfect Service". After an hour of talking they agreed to cancel the contract without a termination fee ..... IF I could get affordable mobiles too agree. 4. Contacted AffordableMobiles and they said they would need it in writing from an EE / T-Mobile staff member that they would be happy to cancel. 5. I managed to get it in writing from a lovely woman at EE after using some charm on her. 6. Emailed it to AffordableMobiles who informed me that they accepted the written agreement and too send the goods back. Ok here is where it gets a little ..... strange. 7. Sent the goods back via Hermes around December time and ...... They lost it!! 8. Hermes paid out compensation and confirmed in writing that they lost my parcel. 9. I contacted AffordableMobiles and informed them of this with proof and they said ok I'll just have to pay for the goods instead and they will contact me in due course with a bill and confirmation that the T-Mobile contract had been cancelled. 10. A month went by and heard nothing so I emailed them and they just repeated the same. 11. Then in February I received a bill from T-Mobile asking for the full contract amount which I agreed to pay £10 a month as I assumed AffordableMobiles instead of cancelling the contract just decided to let me rot with T-Mobile. 12. However this month I have now received a bill from A1 Comms stating "Since we cancelled your T-Mobile contract you owe us £335 for the goods you received from us" (Phone is now worth £266 in stores) 13. I contacted AffordableMobiles (Since A1 Comms only seem to have a business email and not personal) but they are yet to reply. That's over a week ago And here is where you guys come in. Clearly the contract was never cancelled since I'm paying it off with T-Mobile as we speak. The phone is FREE aslong as I'm paying the contract which I am. So I feel it's impossible for me to owe two places for one contract agreement. Any advice would be nice.
  16. All the free online word to pdf convertors are not working accurately. Does anyone know of any that genuinely work pls???
  17. Hi All, I took a contract out in my ex-partners name in 2010 (Very silly of myself) He managed to default a account and also open another account under my name as he had full access to the account via customer services. The second account has numerous late payments on the account. The first account is now closed with the defaulted account being satisfied as of 2013. Upon looking at the accounts, and my main question which I want answering/help with escalating. Both accounts appear under his address (which is different to mine) as he paid for the bills, he had to enter the address as his own for the payment to be accepted. My issue is, obviously three say that the accounts are my own financial management and I accept this, but legally are they allowed to change the address on my credit report? I never have lived at his address. The payments what made the link have ALWAYS been paid via his Debit card in his name, surely a payment from a different name does not justify the change? How can I argue this with 3 to remove the address link and possibly remove the account information? Thank you in advanced. Sorry!! the first sentence is wrong, I took out a contract for my EX partner in my name.
  18. Mystery missed call on your mobile? It could mean a bill for hundreds of pounds as new phone [problem] hits Mobile phone regulators and operators have warned that customers are being be left with bills running to hundreds of pounds after receiving mysterious missed calls that then trigger outgoing calls to premium rate numbers lasting several hours. The communications watchdog Ofcom said it was looking into cases where huge bills had been generated from calls to 0845 and 0843 numbers following missed calls to the victims that were not answered. Several instances reported by the Daily Mail involved calls to claims management firms that pursue flight delay compensation. In the cases detailed by the newspaper, the premium rate calls lasted up to 12 hours and generated bills of up to £300. The report said all cases seen by the newspaper involved Vodafone. https://uk.finance.yahoo.com/news/mystery-missed-call-mobile-could-145434862.html?cache=clear
  19. I bought a mobile phone from an ebay licenced trader in March. 6 weeks later it stopped working - whereas it was advertised as NEW it turned out to have had a previous owner, who's probably reported it stolen/lost after selling to the shop I bought it from. The shop have offered 50% of £430 purchase price, but I believe I should be able to claim all under Consumer Rights Act 2015? Nobody can tell me if it has been stolen or whether it's just lost, incidentally. Original network appear to have barred phone. The ad title was UNLOCKED - NEW & BOXED. The trader said that the item condition was NEW not that it hadn't been owned or used before. I thought I was buying direct from a store (and didn't realise they were a pawnbroking chain at the time) with a small saving v RRP as it was a phone (galaxy S6) that was becoming obsolete. The store said that ebay was for resellers and secondhand goods and that I shouldn't have expected a NEW phone (they have since sold another S6, advertising it as BRAND NEW......). Please see attachment for full details. Thoughts appreciated as I am strongly contemplating legal action now. ad for S6 I bought.pdf
  20. Hello, Looking for some advice on an issue I currently have with Three UK. In 2013 I rang Three to discuss a cheaper tariff for my ongoing phone contract. The call went well and they offered a new tariff at £15 a month. Brilliant! However, last week I received a demand for payment for a three account that I had no idea was in existence. It appears the new £15 a month tariff was actually a new contract! I was under no impression that when I agreed to £15 a month they were in fact opening a new contract in my name, and not changing the tariff on the contract I already had in place with them. Three are not being helpful at all - they say that when I used the new £15 a month deal I accepted its terms and conditions. They did send a new sim but in my naivety I just thought this was normal practice for changing tariffs. I should have checked this, but at the same time I had no further contact regarding the original contract, which was accruing monthly line rental up until the point they cancelled the contract due to non payment - some 2 years ago now. No request for payment has been received until Lowell sent me a letter saying they have bought the debt (including a dodgy looking notice of assignment from Three). All correspondence with Three has been with their Executive Office, and they are flat refusing my version of events and claim I must have known there was two contracts as I have used the sim card in question. They can't provide written or verbal evidence that I accepted the contract while on the phone back in 2013. The new/later contract was issued by their direct sales team in Glasgow over the phone. Could anyone suggest the best line of action from here? Thanks for taking the time to read.
  21. Hello Everyone, I recommended a friend to buy a SIM only contract from the same mobile company I am using to have more data on less price. She called the mobile company and took a SIM only contract. Unfortunately the service of this particular network is very bad in her home area and she only gets 1 point on Signals bar, which make it very difficult to make and receive calls or use the 4G service for internet. Following is the contract details. Order: 11/04/2016 Post Date: 12/04/2016 SIM Arrived: 13/04/2016 Contract Start: 13/04/2016 She called the network provider on 23/04/2016 to cancel the contract but she was told that there is some service improvement going on in her area, So she must wait until 25/04/2016 evening. If the service level is still low then she can call back on 26/04/2016 to cancel her contract. She called the network yesterday, the Customer service guy told her that she is within 14 days of her contract and he is going to transfer to cancellation team to cancel the contract. Unfortunately the cancellation team member think otherwise, Cancellation team member asked my friend to check the delivery date on the letter received with SIM and tell what date is it? It was 12/04/2016. So based on delivery (Postage Date) which is written 12/04/2016, they can not cancel the contract. After a long conversation the cancellation team agree to open a case for the management to listen to the conversation of Saturday 23/04/2016 and decide weather to cancel the contract or not. So my friend is still waiting for the call from Network Provider. Today she received a welcome letter and first bill, on this letter Contract start date is 13/04/2016. So based on above information, Can network provider be that stupid and lie to customers? She has submit a formal complaint to Network provider about the incident and she is going to complain to OFCOM aswell. But is it fair for Call centre staff to lie to keep the customers for 12 months?
  22. My husband had a contract with Three Mobile for his IPad. He noticed that payments had stopped going out, this was in January 2016, so rang up to check why. Three told him that the contract ended last November, so that was fine and we thought no more about it. Until, a debt collection letter appears, claiming that the last two payments were never made, totalling £50, and that they now want £341! Never had ANY letters or emails or texts to say that payments weren't paid at the time, no reminders or bills, nothing. And no mention of this when my husband called to query why payments had stopped, only that the contract had ended months before. He rang the debt collection agent, who sounded like they'd heard this complaint many times before, and immediately handed it back to Three. He called Three who are digging their heels in, despite my husband offering the last £50 there and then to resolve. What do we do about these disgusting underhand tactics - and would strongly advise against anyone using this disreputable company.
  23. Hi Can anyone point me to a short but sweet letter to use for all 3 CRAs to give them a chance to remove wrongful/incorrect defaults from my reports? Thanks in advance.
  24. Hi I have recently noticed that there is a late payment marker on my credit file from EE/Tmobile, dated September 2011. The account is still open, as I am still a customer of theirs. Does this mean that the late payment will continue to show, until I close the account + 6 years after? Or will the late payment disappear in September 2017, despite the account remaining open? Will this have a negative impact of my credit files / application for a mortgage when I am in a position to apply for a mortgage? Thank you for reading, Abby
  25. EE have put me in default without giving me a final itemised statement which I had requested. Credit agency shows this default and so what can I do to put this right..
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