Hi guys, good morning I have a lease car and got a parking ticket which I promptly appealed, I never heard anything back from the council. It was only until the lease company send me an invoice for £295 that i realised something is wrong and i took this up with the council directly to find out why they never send me the rejection notice. The lease company have paid the council. They replied saying that rejection notice was sent back to them as "returned mail", this is impossible as I get all types of letters come through and even various from the same council. Aside to the obvious of me arguing that I never received the letter, what grounds of arguments do I have? I suspect the council will say they will not refund just on that account. Your advice is appreciated, Many thanks Mehdi

Hi All, I'm new to this forum but hope someone can help me out? I received a PCN through post yesterday from PCP enforcement agency (trading name of parkshield collection Ltd) Date of event (doesn't say offence)-30/08/2018 location - service/estate roads off anchor road,harbourside,Bristol,bs1 During period from: 22:20:55 to time of notice issue at:22:40:18 reason for issue- no valid permit Now the only problem with this notice is that I've never been to Bristol and the vehicle in question has been SORN off road for 2 years and is parked at my parents house except when it has MOT or my dad uses it for work (trade plates are then used) I have been on the agency's website to appeal but can't as I don't have notice issued obviously and there's no sign of any photographic evidence either. Not sure what to do next,write an appeal which I don't think is fair seeing as it's definitely not my fault. Any help would be much appreciated. Thank you.

Hi all, I'm hoping someone can please advise as to whether my logic is correct. Essentially I took out a Northern rock together mortgage over 10 years ago just before the recession, this included an unsecured loan of £30k. Shortly after I was out of work for a year and built up mortgage arrears on both the secured element and unsecured element of the loan. Despite 5 attempts of NRAM trying to repossess I managed to fight them off and eventually paid of the secured mortgage arrears however because I was prioritising the secured payments the unsecured loan arrears were not being paid and eventually NRAM applied for a CCJ. However at the time they did not default the unsecured loan account so it is still showing on my credit file with just many late payments. The CCJ dropped of my account about a year ago and during the 6 years prior NRAM didn't take and forceful action to recover the debt. My understanding is that prior to making an application for a CCJ to the courts they should have set my unsecured account to default and hence it should have also dropped of my account when the CCJ did and the unsecured debt should In theory now be written off. I did contact Experian and raised this issue, they replied stating that they contacted NRAM however NRAM stated they would not be making any amendments regarding this unsecured account on my credit file. I would really appreciate any advise on this matter and if my logic is incorrect. Many thanks in advance!!!

Hi all, Back in May, I ordered some fabric from an online store (Tissens) in France which never arrived - the tracking info said there was an issue with the address being incomplete. I contacted Tissens' customer support at the beginning of June and they responded saying they would investigate and asked me to confirm my delivery address. I did this and heard nothing back for a further 6 weeks. When I chased it up, they eventually responded to say the shipment had been returned to them, and that if I wanted it shipped out again I would need to pay 14.5EUR. I asked for them to confirm the delivery address on the shipment, as I had ordered from them before with no issues and my details were all saved on an account with them. A further week went by with no response, so I checked the invoice and found it had the correct address, meaning the problem was at their end. I finally lost my patience and wrote: He responded that day saying he would speak to his manager and get back to me. A week went by, so I chased up for a response. A further week went by, so I asked for a response again. A further week went by, so I have (today) chased up again to say I need a response by COB tomorrow or I will take things further. I just want them to post me the fabric I ordered, as they are the only company worldwide who supply it. I'm not sure whether I can still reverse the transaction, but if I do I'm nervous that I will be black-listed and never be able to place another order. What can I do?

Hi all, Just received (through the post) a letter from Civil Enforcement Ltd. The letter states I was parked in a hospital car park at the beginning of June. Apparently, I failed to display a valid ticket. My issue is, on the day in question, I was in the works van approx. 200 miles from the hospital. My car, which I use on the weekend was parked up, at home, 100 miles from the listed hospital. There is no photos of my supposed car parked in the hospital car park. The letter isn't even on headed paper, only found out the company name from the address on the back!! Where do I stand with this? Can I appeal and ask for photographic evidence?? Thanks for any advice!!

I’ve never needed a mobile phone except when travelling up north to see my mum who’s in a care home. Just before Christmas 2014 I got a mobile phone from EE so I could stay in touch with work, etc., while visiting my mum. When I set it up it was clear that it didn’t work. I tried all sorts of things and it still wouldn’t work. But I forgot about it for a few days. When I got back after Christmas I decided to phone EE and tell them that it didn’t work. The problem was that they said I didn’t pass the security questions; as a result I could not speak to anyone. Couldn’t report that my mobile didn’t work! The weeks went on and I made other calls to EE, but was told each time that I had failed the security questions. Meanwhile, of course, I was paying for this non-working phone every month by direct debit (or standing order, I forget which). This went on for month after month, and still I was paying for a service which didn’t work with no way of getting the issue resolved. It was such a small matter (as I never need to use my mobile except at Christmas when I am away with family) it was out of my mind for 99% of the time. Eventually I reasoned that I was going to be paying for this broken thing for years – and they were never going to listen to me because they would always say that I had failed the security questions. I took the only option which was then open to me. I cancelled the monthly payment to EE. Now things actually made sense, and at last I was not paying regularly for something that had never worked. At this point let me be clear about something. I could install apps on the phone and I could use it for playing solitaire and other stuff like that. But I could not do what you are expected to be able to do with a phone, i.e. communicate. EE themselves will be aware, as they would have access to such data, that: Number of phone call I made while in that contract = 0 Number of phone calls I received while in that contract = 0 Number of text messages I sent while in that contract = 0 Number of text messages I received while in that contract = 0 That is the level of service I was getting from my EE mobile phone. In the meantime I had paid over £650 for this nonsense. I phoned EE again. again I was told that I had not passed the security questions. But by this time I was aware that the operator at the other end was reading a large amount of text which had been written on my account, EE was obviously well aware of the issue. Also EE would have been aware of the 0 calls and 0 SMS aspect of my strange account. It’s just that they obviously didn’t give a monkey’s. I asked how I could resolve this. How could I prove my identity? I was told to go to my local EE store with some ID and I would be given a password which I could use in subsequent phone calls to the help centre. I did. I phoned EE with my new password and asked for my money back. I was put on hold for several minutes and then told that the account had been passed to the Collections department as it was in arrears (of course they would have been flagged as in arrears: the only way to stop being mugged every month was to cancel the monthly debit!). (Oh yes, and to add insult to injury, because of the misperception that I was in the wrong EE was allowed to put a black mark against my credit rating. I also had debt collectors writing to me. But I was able to explain to the debt collections agency what had happened and they just dropped the case against me immediately- no excuse with security questions there: I just TALKED to them and they LISTENED! It's what people do.) The person I spoke to in the Collections department acted exactly as Collections people behave and said that I could not have my money back. When I explained that consumer law was on my side he said that I had “failed data protection laws”. I reminded him that data protection laws were there to protect consumers, not corporations who sought to rip consumers off as EE was obviously very keen to do to me. I also said that I wanted EE to delete the black mark that they had put against my credit rating. Characteristically he said that he couldn’t do that either, again, because I had “failed data protection laws”. EE is yet another company who uses data protection laws to their own advantage; to clobber consumers with them! I wonder if anyone else has been treated in this way by EE or another supplier. I’m also wondering how to get my money back – and to clear up my credit rating – from such a bunch of intractable people.

I took my car took to the garage to get the master cylinder replaced on the clutch and when I got phoned to say that may car was ready I was surprised to see the clutch pedal low down like near the floor. And when I went back in to speak to the service manager I got told that Vauxhall only wanted to replace the clutch pipe and elbow..i asked why wasn't the master cylinder not replaced as that's what I got told was wrong with the car..he says Vauxhall wanted to see how that worked first.. so I drove away from the garage as never says anything about if it was safe to drive..so anyways 10 mins when on motorway and when I tried to select a gear when slowing down I couldn't select another gear and having to keep lifting the pedal of the floor with my feet and whilst trying to engage a gear with great difficulty

The title sums it up in a nutshell. I pay monthly by standing order and have done so since moving into this house a year ago. I have received, over the last few months, two text messages and two letters asserting that my account is in arrears and that if I don't respond I will become liable for the whole years bill etc etc. My account is not in arrears. I have bank statements which show the sums being transferred to the council in question every month. I have emailed the head of revenue and benefits to tell him to check whatever error is causing this on his system and to point out how unacceptable it is to send people threatening letters in error. I attached copies of my bank statement showing the payments by way of proof. I can well imagine there are some people who would be intimidated or caused undue stress by the type of things they've sent. I copied in my councillor, who acknowledged the message. No response yet from the recipient. Today I have received a court summons for 23rd of May on account of my non-payment. Obviously I am not overly concerned, as I know I have paid and can prove I have paid. What I would like to know is how best to act now? I have let the councillor know what has happened and sought further advice from him . I am not against attending the court date if there is anything to be gained by that for me. The outcome I am seeking is an acknowledgment of the errors on the part of the council and a stop being put to the harassment via text message and letter which has now been going on for some months. Does anyone have some advice for how best to proceed?

I sent 6 parcels, 5 arrived and one was missing. I went through several PM messages. They sent me after 30 days a comfirmation that the bag was lost and they would give me 34 pounds back . This does not cover even the bag price! i had at least 500 pounds in clothes more another 500 in medication . Well, the whole thing was worthed around 1,500 pounds. I did not take extra insurance ( it was the 1st time i was using a service like this, and the last one too). As they say in the small print they are not responsable for anything and DPD does not respond to my issue as its customer is Parcel Monkey and not me. I already sent a formal complain almost a month ago when i try to do an online mediation ( which was not possible as parcel monkey does not have a direct email). I came here to ask the opnion if i should enter in the small claim court not for the refund of my goods but for the lack of service performed and the lack of support and care of DPD and PArcel Monkey. Would any one be able to advise me ? If yes,what would be the fair amount for this claim. I am 2 months without my clothes and medicies Thanks

hi all i took a contract out in sep 2016, couldnt use it, called to send back but they said i'd had it over 2 weeks so no. i never paid anything and forgot about it as they didnt take my compliant serious. they in november 2017 i they put a default on my file. just wondering if i have any recourse to get it took off or anything? Thanks in advance

Hi, Some advice needed. In the Autumn 2010 me and my partner moved in to a new flat. Sorted out council tax, water etc straight away but ran in to problems when trying to get our gas and electricity sorted. Having found out EDF was the supplier for the previous tenant I made several 5-10 calls to EDF during the first months of moving in. For some reason they had no supply registered to our address and could not set anything up. Even when supplying them with the electricity meter number they stated that that meter had been turned off for two years. No luck with providing them with my gas meter number either. I used the details from the previous tenant to try and set up so we could receive bills. But no luck, every time having to wait in queues and explain the situation at length to a new person. After a few months a paper from EDF was left in the letterbox saying that the meter was to be cut of, changed to a prepay meter, court order etc. It did not have the correct address and postcode. I used the reference number left on that letter and called edf again, believe I got redirected to different departments and finally got to talk to someone who understood the issue. He said they would investigate. He called back a few days later, perhaps a week and stated that he had an idea of what the issue was and that they would investigate. They would get back to me when it was sorted and to update me. I asked what the time frame would be, and he stated that likely after Christmas/new year. This was in 2010. From that point they have not been in contact. Have not received any bills or any contact or letter. come September 2017 I receive an automated phone call from a robot voice asking if the account holder for my address, stating my name, (although I have since changed my last name through marriage). It said to either confirm or deny by pressing a number. I denied I was that person. I did at the time not believe an automated phone call to be legitimate. Two weeks go by and I pop in to my ground floor neighbour which is a cafe as I am coming home and they said some electricity people had been around asking for a meter to one of the flats. The cafe has no access to the common entrance to the 2 flats. They did not leave any letter leaflet stating or anything. what would you recommend I do? To me I did my due diligence in 2010 and it was up to them to get back to me. I have never received a bill or had an opportunity to pay. Should I contact them or wait until they attempt to contact me properly by post, meter visit etc. The automated robot phone call is not a proper attempt to contact me. It could just be a robot call as far as I am concerned. The visit my neighbour told me about was just a coincidence that she relayed that information to me as I met her just as I came home and they were closing. What would you do in this situation? Am I correct in assuming they could only back-bill 12 months. Many thanks

Hello I'm a bit non-plussed on this one but I've had a letter from Barclaycard claiming they have sold on a debt from a card I've never had amounting to over 6k and now a letter from Robinson Way asking for payment. I've had this some years ago from BC and sent a letter to say it's not my account, they returned a large document of T&Cs as a reply??? Can anyone advise on how to deal with this ... send another letter? Wait for a summons? From what I read Robinson Way use some nasty tactics.

1 Date of the infringement 20/04/2017 2 Date on the NTK [this must have been received within 14 days from the 'offence' date] No PCN/NTK received (no change of address or other reasoning for NTK not being received) 3 Date received Letter from ZZPS received 04/07/2017 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [y/n?] No PCN/NTK received 5 Is there any photographic evidence of the event? No PCN/NTK received (contacted ZZPS to inform them I was not aware of the infringement and wanted evidence to prove the allegation) 6 Have you appealed? {y/n?] post up you appeal] Not yet. I have contacted ZZPS to request they refer their claim back to their client and ask them to supply evidence Have you had a response? [Y/N?] post it up YES from ZZPS Good morning, Please be advised, we have been instructed by our client to pursue the outstanding balance. Our client confirms that this Parking Charge Notice has been issued correctly, all previous correspondence has been sent out and the correct procedure has been followed. We will not be referring this matter back to them. Upon reviewing our client's system, I can confirm that a Parking Charge Notice was sent, via post, on 22 May 2017, to the details provided to them by the DVLA. These are the same details we hold on our system. This site is private land. The landowner has employed our client to issue these Parking Charge Notices on their land. A motorist will be made aware of the terms and conditions of parking at the location by way of the signage located at the site. All of your client's signage is approved by the British Parking Association (BPA) and this site is audited regularly to ensure it complies with the BPA's Code of Practice. As advised above, we have been instructed by our client to pursue payment of the outstanding balance. Please arrange payment of this. I have placed the account on hold until 27 July 2017 to allow you time to make your payment, please refer to the reverse of our letters for payment methods available to you. In the absence of payment, the hold on this account will expire and the account will be left to progress accordingly, where further fees may be incurred. 7 Who is the parking company? One Parking Solution Ltd 8. Where exactly [carpark name and town] This information hasn't been provided although I have requested it. The information on the DCA letter states Plough Lane, London, sw19 8gt. This is a public highway to my knowledge and doesn't have parking spaces as it is a busy main road. The postcode and road name also don't match up when entered into google maps For either option, does it say which appeals body they operate under. No but the BPA logo is present in their letter If you have received any other correspondence, please mention it here Only correspondence received is from ZZPS posted above. I should probably also add that I have no recollection of this event ever happening and the letter from zzps states that the time of issue was 20:57 and checking my calendar against that time and date I was at work. I have checked my clock card with HR and they confirm I clocked in for work at 20:34 on that date. I should add that I work around the corner from the vague location given on the DCA letter.

Help please? I have just received a letter from a solicitor representing NPower saying that I owe NPower nearly £2.5k from a property I lived in back in 2011. Apparently there is already a CCJ against me (which I had no idea about) and neither the solicitor nor NPower will discuss the situation with me. They are simply threatening court action/bailiffs. I never received the outstanding bills nor anything relating to the CCJ and I dispute the amount is actually owed as I lived in a tiny one bedroom flat for 11 months and paid £50 a month in payments... ..I was out most of the time at work and so there is NO way my electricity bill could have ever got that high. The CAB have not been very helpful as they have simply said to try and mediate with NPower (who won't mediate). I contacted a solicitor who said it wouldn't be worthwhile pursuing this as it would cost more in legal fees than the debt!! What can I do to both get the CCJ removed and also get the bills sorted out? Any help gratefully received.

I've been on benefits due to health issues for quite a long time now, I was on Incap Ben until Oct 2013 when they moved me to ESA and that's been static since then. Not had any kind of increase in 4yrs. In 2014 I finally had a diagnosis of one of my health issues that had been ignored for years by doctors... Dismissing my issue as weight related when it was in fact a condition called Spinal Stenosis... which is 'made' worse by being overweight. This explained the shocking spasms in my lower back which could turn my legs to jelly and make me slump to the floor at any time and I couldn't walk more than 20-30yrds without getting one. Since then I have lost over 140lbs the condition has remained and not gone away as previous doctors claimed. I have also been diagnosed with osteoarthritis in my knees which is further impacting my. the small increase in the distance I could walk has been decreased again by limited movement and pain in my knees. I've also got early stages of the condition in both shoulders and struggle to lift my left arm above my shoulder but can rotate it, whilst my right shoulder doesn't rotate properly but my arm can be lifted above it. Back in either 2014 or 1015 I got the forms for PIP but never sent them in... to say it was a confusing mess of questions that repeat themselves over and over again and with reports that the vast majority of claims are simply dismissed anyway put me off ever sending it in. I'm not getting any better and losing over 10st hasn't had the kind of impact that I had hoped it would... I admit that my weight was out of control due to severe depression and 19 deaths of family and friends between 2008-2016... In short I was broken and whilst I'm still broken, my financial situation continues to deteriorate. I can just about cover the rent due to the fact I rent from family (all legal, proper tenancy agreement in place and council know everything) at a rate well below average (they're doing it to give me a safe place to live not to make a profit). I can just about cover utilities and household expenses, but there's not enough for anything else and although I do have a car it's 12yrs old and I limit how much it's used due to the cost of diesel, insurance and car tax. Without transport I would be housebound and unable to get out and about on my own... I can't even make it to the local corner shop which is about a 300-400yrd walk. On a very, very, very good day... I might make it to the corner shop, but would then struggle to get back carrying anything I bought. By the time I got back (after stopping repeatedly to sit and let the pain subside) it could virtually incapacitate me for hours and I'd be unable to go out again for a few days at least. When I am able to go out to do shopping (once every 2 weeks on average) I have to normally go with some one and require a trolley to hang onto to support myself. Even then after doing a small amount of shopping, we stop at the supermarket cafe for a rest and a drink before carrying on. I tend to load my shopping in small amounts into multiple sturdy bags with handles, so I'm not carrying heavy ones into the house. I can park on my drive so the boot of the car is no more than 6-8ft from the front door and it's an estate so a low tailgate means no bending to lift things up. I know I could do my shopping online but I actually look forward to doing mine as it gets me out of the house for an hour or two. The arthritis needs me to keep moving more not less, but I can't do that where I live due to the area, hills and so forth... it would be nice if I could drive down to the lakes nearby a couple of times a week and do a little walking there, as they have benches and rest points all around them... But parking isn't cheap. After reading so many threads on here about people applying for PIP and being refused... it's making me wonder if I should at all... I'm not asking for expecting a disabled badge or motability car... I desperately need a little extra help so I can perhaps pay for a little more fuel each month, or parking charges... an extra £20 a week would have a huge impact provided it wasn't taken away from my other benefits like ESA/LHA. If I get the forms... where can I get help to fill them in... a lot of it seems designed to confuse and deliberately make it as hard as possible to complete. I think doing it my own will only result in me not bothering like I did last time... which is what I now think is the main objective of the form.

In January I returned my daughter's Christmas present to the shop to be exchanged. I booked using Parcel2go and they in turn used myHermes as the courier. T he parcel was lost. My problem is this...I dropped the parcel at a drop off shop. I returned to the shop and they looked on the CCTV for me and it clearly shows my parcel being collected by the myHermes courier. The parcel was never scanned in not once. Parcel2go claim that they they have no liability due to their t's & c's. My understanding is that if the t's and c's are unreasonable then they can be held liable? They have offered me a refund to the value of the insurance that I took out (which is less than the true value). I am claiming the full value of the goods that they lost - this is purely because I know that the courier never once scanned the item. Had they followed their own procedure and still lost the item I would have accepted the insurance money. Surely they can't just do what they want with people's parcels and never be accountable? Advice please, I have sent a letter before action and they haven't moved so next stop is court action. Thanks in advance for helpful comments

Morning All, I have been battling with Lowell for a few days now I am looking for a bit of advice. I'm not at all clued up on legal jargon so I'm not sure what to do next. In a nutshell, I'm a teacher just starting to think about buying a house. I've always paid off any contracts that I have and cancelled them under the 30 day grace period respectfully. Upon looking at my credit rating I noticed that it was horrendously low (503) I checked through Noddle why this was the case and Lowell have been defaulting two supposed debts... I have emailed Lowell asking what the debts are for the email states: Account Number Original Client Original Client Reference Current Balance Initial Contact Date 25* Three Mobile 9* £20.08 29th April 2013 15* Orange 7* £65.11 30th December 2013 The former Three Mobile account was opened on the 2nd April 2008. The client last receive payment for this on the 1st April 2011 for £20.08. The number associated with this is 0* the tariff was Broadband 5Gb (18/24 months). The balance is made up entirely of airtime debt. The former Orange account was opened on the 28th April 2009. The client last receive payment for this on the 7th March 2012 for £31.96. The balance is made up entirely of airtime debt. As you can see from the dates I have cancelled the contracts well over the 24months (I held them both for almost 3 years!) So when I cancelled I rung up and told them. I'm assuming they continued to bill me for an extra month. I asked for evidence of the Notice of Assignment. He has just forwarded two letters, not letter headed I might add with some glaring mistakes... This is the Orange letter: Dear Mr McGirr We hereby give notice of the assignment of the debt due to us (trading as "Orange") from you in respect of the balance of £65.11 outstanding on your account. On «ClientClRegdate» your account was sold to Lowell Portfolio I Ltd. It is essential that all future payments, correspondence or queries regarding this account be directed to Lowell Portfolio I Ltd quoting reference 1*. Contact Address: Enterprise House 1 Apex View Leeds LS11 9BH You'll notice the "On > as part of the letter... The second letter that was linked to the three account had the wrong address, four doors down. What are my next steps? I want this removed for my credit rating ASAP. it's 2008 !!! Thanks in advance, S

Hello, Really need some help. Last Thursday I went outside to go to work and my car was clamped. Rang the bailiff and they have been chasing me at my old address for the last year. I moved address in November 2015 but didn't update my address with my lease company until January 2016. I never received any notification of the fines, if I did I would have paid them. Have got a few over the past year and always paid. There is two fines outstanding totalling £1104. The fines were all in December 2015 I have spoken to (TEC) and filed the statutory declaration and out of time declaration. I don't really know what to do from here or what happens as talking to the council is impossible and all the bailiff says is that the clamp stays on pending appeal. Is this correct? I really need my car for work and this is a nightmare. Can anyone give me some advice? Is there anything I can do to get the car de-clamped pending the appeal? Thanks

Hello fellow members - Last night looking at my credit report I found that a CCJ has been issued against me on 16th November 2016 from Northampton County Court (Information Source - Registry Trust Ltd) to pay approx. £300. This is issued to the address I lived between Aug 2014 and October 2015 as a lodger. Obviously not living there, I've not had any letters etc. from court. The only way I found out about this is last night looking at my credit score. I've never had any credit cards, phone contracts etc. which I took whilst being on that address. I can not think of anything which could result into a CCJ at all. How do I find out what is it all about? And should I try to investigate now and contact court ? I really want to do right thing and don't want stupid things like debt collectors coming to our new home we've literally bought. Do I have to go to a solicitor? I'm more concerned of this CCJ being my record and not the money solely. I've never done or intend to do anything wrong. My credit score has been badly affected and it might also affect my application for British Citizenship I guess which I am soon going to apply ! I couldn't sleep well last night and very stressed. Please can you help? Many thanks

Hello, Please can somebody help me. I am new to this forum and feeling rather desperate and anxious. I have received a 2nd (and final) debt recovery letter from Eos Solutions who are collecting a debt for EDF Energy for a supply address that I have never ever lived at. The supply dates for the supply address are from May 2014- May 2016. My address that I've lived in for over 10 years is very similar to the debt/ supply address except I live in a street, the debt supply address was in a block of flats. I called Edf Energy last week to explain the situation and also that the supply adress for which they are owed the debt from no longer exists. The block of flats went into demolition last summer, so it baffles me who they supplied energy to after the summer as there was no flat in existance. They seem very reluctant to help me; 1. I don't have a customer reference number to quote them (I've never been a customer of them), 2. The only way they can help me is if I give them my name and other details which I was not willing to do so. They have the necaessary information to find out who lived at their supply address and pass on the correct details to Eos Solutions but it seems that they don't care as long as they get their money back. So in short, I'm being chased for money for a supply address that I've never lived in nor ever been supplied energy by Edf. How do I tell Eos Solutions that the addressee and address do not match the supply address and that they need to stop hassling me for money? I do not owe anyone any money, never even owned a credit card in my life . Any help would be gratefully appreciated. I'm really scared that they will now come knocking on my door demanding money or removing things from my house. Should I call them or is it better to write to them? Thank you

Hi I need a bit of advice regarding trying to get £626.24 from Expedia for car hire which never turned up at the airport. I paid by credit card Halifax hoping this would ensure if anything went wrong - I should have know. After repeated emails and phone calls to Halifax/Lloyds they told me they couldn't claim our money back as the car was waiting for us at the airport (which it wasn't) - they just took Expedia's word for it - what can I do. Below is an email I sent to Halifax outling all the details/times/dates screen shots etc On the 24th May I paid Expedia £626.24 online using my Halifax credit card for 11 days car hire in Corfu from 14th July 2016 to 25 July 2016 with collection at 10pm at Corfu airport *see screenshot. On the 25th May I called Expedia to add a baby car seat to my reservation. I was informed by Expedia to call the Corfu office to arrange this, they gave me their number 0030 2109735000. The car hire company in Corfu added a car seat at an extra cost of £33.00 which I agreed to pay at the airport upon collection. The Corfu office then advised me I would also be charged £18 for a late pick up after 9pm. I told them this was not included in the original price when I booked online and there was nothing on the website to say this was an extra charge. The Corfu office advised me to contact Expedia. Expedia told me to pay the additional cost and email them the receipt and they would reimburse me (see email screenshot). This concerned me so I did some research and looked at Expedia's reviews on Trip advisor with regards to car hire in Corfu which only increased my concerns. I was so concerned that I called the Corfu office a week before we went on holiday to check that they had a 7-seater car with car seat and that they were aware we would be arriving at 9:45 local time. I was assured by the people in the Corfu office that they were aware of my requirements and everything would be fine. They also took mine & my wife's mobile contact numbers. Our flight from Manchester (Flight# LS951) on the 14th July 2016 was delayed before take-off by aprox 30mins. We arrived at Corfu airport at about 10pm local time. We left the departure lounge about 10:20pm local time passing all the car hire companies and holiday reps holding placards with company logos and the names of people they were expecting. I checked each one asking if they were waiting for Mr Ewing regardless of whether they had my name on the card or not. No-one was waiting for me. I left my wife and four children, the youngest only 18mths old, whilst I made inquiries with every single car hire, coach transfer and taxi desk inside and outside the airport to find the car hire company without any success. I called the car hire company at 10:50 local time and got voicemail *see phone screenshot. I called back one minute later (10:51) and this time a guy answered who took my name & number, said he would look into it & call me back. At about 11pm it was clear that everybody who'd arrived on that flight had left and there was just me and my family in a very small, empty airport with one departure exit. Me, my wife & 4 very tired & hungry children stood around the empty airport and waited for another half an hour for a phone call that never happened. At about 23:20, with no sign of any car we decided our only option was to get a taxi to our accommodation at a cost of 101 Euros. At 21.38 GMT (23.38 local time) *see phone screen shot, I received a call from the car hire company wanting to know where I was? I explained that as we had been waiting at the airport with no sign of any hire car for over an hour we'd got a taxi to our resort. The guy took our phone number and said he would call someone and to wait for a return call. The 1st phone call was to see what he could do. The second phone call was to tell us he would ask if he could get the car delivered to us next day at our resort. The 3rd phone call was to tell us to call the office tomorrow morning to see what they could do as nobody was available. The following day they called me at 8:35GMT/10:35 local time *see screen shot, for 14 minutes. The lady I spoke to preceded to argue with me insisting that the car had been available at the airport as arranged. She asked me if I thought they were lying which struck me as odd? The lady said that the car could not be delivered to Sidari and if not collected by 5pm the following day, at the airport, the car would be hired to someone else. As we desperately needed this car I said that I would try to organise transport back to the airport to collect the car myself. I also said that I would contact them beforehand if there was a problem getting there by 5pm as my wife has a disability and is unable to look after all 4 children alone. After trying many different avenues to get to the airport (the local bus service & travel back would have taken about 4/5hrs) I just couldn't do it without realistically taking my wife and four children back to the airport in a taxi at a cost of another 101 Euros. When I called the office they promptly reminded me that they couldn't deliver the car and the order would be cancelled. I asked about a refund of the £626.24 I had paid weeks in advance which they said was nothing to do with them and I would have to speak to Expedia. I called Expedia on Monday the 18th July *see screen shot, to log my complaint. They said they would look into the matter and call me within 24hrs to confirm the refund had been authorised. They didn't call back. At this time I had had enough of the whole disastrous situation that had so far cost me £626.24 plus 101 Euros, numerous international calls from my mobile at my expense as well as taking up the first 3 days of my holiday – we never did hire a car which made everything more difficult as we'd chosen a secluded location because we knew we'd have a car. The day after I arrived home, 26th July, I called Expedia *see screenshot, who told me the matter was still being looked into and that I would receive confirmation of a refund by email. I am still waiting to hear back from them. I want a full refund of £626.24 and if necessary will forfeit the extra costs incurred as mentioned above. Please find enclosed screen shots of all phone calls made, copies of emails and other relative correspondence received from the car hire company.

Many debts dealt with on this forum thank you. I had a claim form from the court with a £6k debt from Tesco/Robinson Way. I filled in the I/E form and sent it back recorded delivery. Just had a letter from the court saying I never responded and I must pay the £6k. I have looked at the tracking information from when it was posted over 3 weeks ago and it still says its on it way! I also took a photo of the form before sending. What do you suggest? I did everything in the timescale but the Royal Mail has failed me.

First and foremost, I forgive those who perhaps thought that the thread title might turn out to be misleading before then clicking on the thread. An analogy would be the sensationalist headline I saw today that 'Messi had gotten jail time'. I knew full well, before clicking on the story, that he wouldn't be serving even one day in prison. However, I assure those of you who are doubtful that after you read on, then you will see that it really is the case that a Paypal account can NEVER be closed, which an FOS adjudicator heartily agrees with. This happens to be one of the very few outstanding issues that my 82 year old father is still dealing with, after putting an awful lot of things properly to bed in recent months. All of the following information and correspondence is being posted with his full permission. The background to this case begins in late 2013, when Paypal asked my father to provide them with additional information, primarily original receipts of purchase, relating to some items he had sold on Ebay. He wasn't able to do so and, after all the negative things he had seen in the media about Paypal over the years, decided he didn't want anything to further to do with them anyway. It was his opinion that when Paypal start becoming irrationally awkward, then they don't often cease to do so. Anyhow, when he was going over all of his affairs, in the second half of 2015, he decided to ask Paypal to formally close his account that they had since restricted. He didn't expect any resistance and was a bit surprised when they refused to do so. He was a bit reluctant to waste more time and energy going to the FOS about something like this, but felt very strongly about what he perceived as Paypal's arrogance and duly did so. He expected that this would be something that the FOS would promptly sort out, even if it only meant them giving Paypal a 6 year deadline to close his account from when they first restricted it, but how wrong he was. His case was assigned to FOS adjudicator Noelle Murphy and copied and pasted below is the all the correspondence accumulated thus far, with the correspondence of the FOS adjudicator being highlighted in red. 22nd April 2016. I’m writing to you as I’m the adjudicator who has been passed your complaint about PayPal. I wanted to let you know that I’m now looking into what’s happened.My role as an adjudicator is to give an independent opinion on your complaint. This means I’ll consider what you and PayPal tell me, weigh up the facts of what’s happened, and then let you know what I think is fair in the situation. next steps I’m currently reviewing all the information that you and PayPal have sent us. I’ll be in touch again once I have done this, to go through my understanding of what’s happened and let you know what the next steps are. I expect to be in contact with you within the next week but I’ll let you know if, for any reason, it may be longer than this.In the meantime, please feel free to get in touch if you have any questions. 26th April 2016. Thank you for waiting while I’ve been looking into your complaint. I’ve now looked at all the information from you and PayPal and I want to go through my thoughts on what I’ve looked at so far. my thoughts so far As you know, we’re an informal service that was set up to resolve individual customer’s complaints. So I cannot comment on the processes PayPal has in place, or recommend it changes its processes as part of your complaint. It’s for PayPal, or PayPal’s regulator - Commission de Surveillance du Secteur Financier (CSSF) – to decide how it should operate and if it should change how it operates. I understand PayPal placed a limitation on your account on 16 October 2013, and asked you to provide additional information. You decided not to provide the information PayPal had asked for and so the limitation has remained on your account, meaning it cannot be used. When looking at complaints like this we do have to take into consideration the terms and conditions of your account as it forms the basis of the contract between you and PayPal. I have noted that PayPal’s user agreement does contain information about limitations on accounts and I can see PayPal referred to this in its final response to you. Section 7.2 of your user agreement states that “You may not close your Account to evade an investigation”. It has said your account will remain permanently suspended and this is why you cannot close the account. PayPal is entitled to leave the account permanently suspended, and this is a commercial decision it has made. I appreciate you’re not evading its investigation by requesting the account to be closed, rather you don’t feel comfortable with the account being left open. But the account cannot be used as its suspended, and ultimately PayPal is entitled to make the decision it has to keep the account open. I do consider that it has acted in line with the terms and conditions you agreed to. So it would be unfair of me to say it has done anything wrong here when it is entitled to restrict your account and make the decision it has not to close it. next steps I would like to get your comments on what I have said, as I’m mindful that I may not have taken everything into account. If you would like me to consider any other information that could change my mind please let me know.If you’re able to respond to me by 3 May, I would be grateful. However if you need more time please let me know. 9th May 2016 (more time asked for and granted). right, I have now had a chance to clear my head and review everything at my own pace, which I am perfectly content with. First and foremost, I want to emphasise that I was never seeking for Paypal to change it's processes or how it operates. I am very happy for my complaint to be assessed solely on whatever terms and conditions Paypal had in place at the time and have in place now. So, moving on to the substance of my complaint, I would like to draw your attention to something that I don't think you have yet fully appreciated. You said yourself that Paypal limited my account and launched an investigation on 16th October 2013. Well, I first asked for my account to be closed in August 2015, which was nigh on 2 years after Paypal limited my account. As things currently stand, we are fast approaching a time span of 3 years from when Paypal limited my account. Therefore, when Paypal now parrot Section 7.2 of their user agreement, which states that “You may not close your Account to evade an investigation", then it is total nonsense. From memory, they said I had something like 90 days to provide them with the information they requested when they limited my account. So, even giving them a lot of leeway here, if I had asked them to close my account at any time in the 6 months after 16th October 2013, then I might understand their argument. However, I did not and if you were to accept their argument, then you could only be concluding that, in August 2015, I was trying to prevent an investigation Paypal began on 16th October 2013. They must have a good sense of humour, Paypal, to come out with rubbish like that. I do have to hand it to them. Frankly, I don't see how anyone closing their account, even at the time of limitation, could stop an investigation from occurring. By that logic, any wrongdoer would have an easy option available to avoid getting caught, 'Hey, I will just close my account!', and I don't think that's how the world works. However, having Paypal spin that spiel, some 2 years or longer after their investigation, is just so beyond the pale. What is more, from what I can recall, I never 'decided not to provide the information PayPal had asked for'. They asked me for some original receipts of some items that I had listed on Ebay. I don't know why they asked, but I didn't have any original receipts and openly told them so. How many people, who sell stuff on Ebay, have original receipts? I don't see how I could have cooperated any more fully at the time. Anyhow, besides the point, the fact of the matter is that I didn't try to close my account at the time of their investigation, so their defence is groundless. Unless they have a term or condition which states that no one is allowed to close their account without their random blessing? I am not aware that they do and very confident that they do not. So, if they can't provide you with a term or condition which prevents me from closing my account, then I would like my account to be closed please. If you will not order them to do so, then please do kindly confirm whether you are ultimately basing your decision on Section 7.2 of their user agreement, which blatantly holds no water here, or if your are basing it on another Section of their user agreement. I can then promptly decide whether I wish to escalate my case to an Ombudsman or not. I don't see this taking up much moire time between us to be honest, so it should be well clear of your desk by the time you go on annual leave. Just for the record, in case you were wondering, I don't have any confidence or trust in Paypal and would simply feel much happier if my account was closed. They are still holding some of my financial information in my account, which can't be deleted when an account is limited, and I have heard a lot of stories about companies being hacked on the news and the like. As far as I see it, regardless of how probable you or Paypal think that is to occur, it is purely my prerogative to decide whether I want my account closed or not. Unless they have a term or condition that says otherwise of course. I look forward, please don't feel at all rushed, to hearing from you in due course then. Much appreciated and best wishes. 11th May 2016. Thank you for your response. I have noted your comments and the points you’ve raised.I appreciate the point you’ve raised about the timescales involved but I can’t say I agree with you. Just because it was two years ago that PayPal requested this information doesn’t mean an investigation isn’t still ongoing. As you didn’t provide the information PayPal asked for it wouldn’t be able to conclude its investigation and – I think it’s reasonable to say here – it would take some action to prevent any further use of the account. Even though PayPal asked you to respond within a certain timeframe I don’t think this indicates how long it would take to carry out its investigation. I would imagine, like this service, timescales are put in place to make sure that cases are being dealt with in a reasonable timeframe. But as the information was never provided, closing the account could still be considered as evading PayPal’s investigation regardless of the time that’s passed. In addition to section 7.2, I do think section 10.2 is also relevant to what’s happened here. This section does set out that PayPal is entitled to restrict or block an account entirely or for any reason. So I do think it is entitled to keep the account restricted as long as it thinks is reasonable. I think it was in your complaint form that you said you decided not to provide the information it had asked for. If you’d like a copy of this please let me know.Even though I appreciate you may have not felt it was necessary information, I don’t think what it asked for was unreasonable. But ultimately, PayPal is entitled to reasonably request information from its users to help it look into an investigation.I appreciate why you want to close your account, and you are concerned about the information it is holding about you. If you have a concern about the way PayPal is handling your information – and by this I mean keeping it longer than is necessary – then the Information Commissioner’s Office may be able to look into this. Their details are: Information Commissioner's Office etc. what happens next If you don’t want to take your complaint further, you don’t need to reply. But if you don’t agree with what I’ve said, please let me know why by 23 May 2016.I’ll look at any new information you give me and let you know what I think.If we don’t hear from you by 23 May 2016, we might not be able to look at your complaint again. So if you want to reply but you think you’ll need longer, please tell me as soon as possible. In every case, both the business and their customer can ask an ombudsman to make a final decision. But I think it’s unlikely the outcome would be different – unless there’s any important information that you haven’t already given us. If you have any questions, please get in touch. 13th May 2016. first and foremost, I am not sure 'exactly what words' I used only my complaint form, in relation to not providing Paypal with the information they requested, but I can tell you with certainty that I cooperated with Paypal as fully as was humanly possible when the limitation was placed on my account. They asked me for the original receipts, pertaining to some items I had sold on Ebay, and I openly told them that I didn't have any original receipts available. What more could I have done than that? Anyhow, I wasn't happy with Paypal at the time, so my initial displeasure might have resulted in me coming across ambiguously when I eventually decided to complain. Please feel free to verify all of this with Paypal. As for the time scale involved, it is actually now well over 2 years ago that Paypal requested information from me. In fact, it is now virtually 2 years and 7 months ago. If this case does end up getting referred to an Ombudsman, then, given the waiting time involved, it will be nigh on 3 years ago. I am not sure exactly what it is that Paypal are supposed to be 'investigating', nor how many years would have to pass for you to be satisfied. However, given that the crux of this matter simply relates to them asking for original receipts pertaining to a few items I sold on Ebay, then it is clearly nonsense to suggest that an 'investigation might still be ongoing'. At the end of the day, there have been numerous investigations into Paypal themselves by many newspapers and TV stations, including BBC 'Watchdog', which have shown Paypal to be quite 'lacking' in many areas as it goes. When you said 'Even though PayPal asked you to respond within a certain timeframe I don’t think this indicates how long it would take to carry out its investigation. I would imagine, like this service, timescales are put in place to make sure that cases are being dealt with in a reasonable timeframe' I can see the basic principle there. However, when 60 days, or whatever it was initially, then becomes 2 years and 7 months that argument just doesn't hold water any more. It is tantamount to eternity. Unless you are saying that Paypal should have 3 years, 4 years, 5 years, 10 years or any other number of fixed years available to them? Please do confirm if that is how you see it and what you think is reasonable. One other thing, in you previous email you stated that 'But as the information was never provided, closing the account could still be considered as evading PayPal’s investigation regardless of the time that’s passed'. However, in your email of 26th April 2016 you stated 'I appreciate you’re not evading its investigation by requesting the account to be closed, rather you don’t feel comfortable with the account being left open', which I find completely contradictory to be brutally honest. Paypal asked for original receipts and I told them I didn't have any. It was hardly a complex case. Moreover, as I already told you, closing my account doesn't stop Paypal 'investigating' my case at all. They can 'investigate' my case for the next 100 years with my full blessing. Likewise, purely as an analogy, I don't think that any of those involved with the Mossack Fonseca scandal would avoid any 'invetsigation' by now rushing to close their accounts. Again, as I already to you, the world doesn't work like that. What is more, I haven't been accused of any wrongdoing and I don't owe Paypal a penny, which they themselves can't deny. If you do feel that closing my account does prevent Paypal from 'investigating' further in relation to my case, after 2 years and 7 months have passed, then please kindly explain to me how so. Moving on to the limitation aspect of my account, this is something that I have never complained about and you seem to have proactively entwined it into the case. Furthermore, closing my account wouldn't lessen any restrictions that Paypal have in place in the slightest. In fact, conceptually, if anything, it could obviously only strengthen them. The limited use I currently have would be downgraded to no use. Therefore, Section 10.2 has absolutely nothing to do with my complaint, which is solely based on me wanting my account closed; not to do with wanting any restrictions removed from my account. If you feel that it does, then please kindly explain to me how so. It is very good to get all of this in writing, regardless of the final outcome, so I do at least fully appreciate all of your assistance. If you have anything else to add, or not, then please do let me know either way. I can then decide whether I wish to escalate my case to an Ombudsman or not. Much appreciated and best wishes. 13th May 2016. I have noted your comments but my thoughts on your complaint remain the same.Ultimately, I do consider that PayPal is entitled to restrict your account and make the decision it has not to close it. I understand you don’t agree with this and you don’t think its terms allow PayPal to make this decision – but having considered what’s happened I do. I’m sorry if you think I was contradictory I was merely making the point that closing the account could be considered as evading an investigation. As I said in my previous email to you, I don’t consider that you’re trying to evade an investigation by asking for the account to be closed. However, this doesn’t mean that PayPal should close the account or it should have the same opinion on this point as me.It made a reasonable request for information and you were unable to provide what it had asked for. PayPal made a business decision to restrict the account and it hasn’t done anything wrong by doing this. I’m not in the office next week so I would be grateful if you could let me know by 23 May whether or not you’d like an ombudsman to consider what’s happened.If I don’t hear from you by 23 May we might not be able to look into your complaint again. 18th May 2016. yes, I do think I am beginning to get a good understanding of your position in relation to Section 7.2. However, there is at least one thing that I did want to be crystal clear on, before deciding whether to escalate my case to an Ombudsman or not. You do now acknowledge that I never complained about my Paypal account being limited and that I never asked for any restrictions to be removed from my Paypal account, don't you? My complaint was solely about being unable to close my account, you said you still had a copy of my complaint form handy so please peruse it again if necessary, and I fully accept that Paypal have every right to limit the use of any account as they see fit. In the final analysis, I am 82 years old and doing my best here, I just didn't want to get needlessly sidetracked or confused by anything else. Much appreciated and best wishes. 23rd May 2016. Thank you for your response and patience while I have been out of the office.Yes, I do understand your complaint was about PayPal’s decision not to close the account. I know you didn’t ask for this service to look at the restrictions placed on the account or why that was.However, I did think that the restriction on the account was directly related to PayPal’s reasoning here and that’s why I mentioned it. I had to look at the whole circumstances to come to a fair opinion on what’s happened. I would be grateful if you could let me know how to proceed with your complaint by 27 May 2016. If we don’t hear from you by this time we might not be able to look at what’s happened again. So if you need more time please let me know as soon as possible. 3rd June 2016 (more time asked for and granted). ok, I think I understand what you were saying now. You were trying to get a full understanding of everything that happened and a good sense of the chain of events that occurred. This is why you mentioned Section 10.2, which Paypal first used to restrict my account nigh on a year before I ever contacted them about my account status. However, when it comes to you giving a final opinion on my complaint, which involves Paypal not closing my account and doesn't relate to any of the restrictions I was perfectly happy with, then it is only Section 7.2 that can be specifically held against me right? I hope that's correct, it seems crystal clear to me, as otherwise you will have left me totally bamboozled. I won't seek to debate the point any further though. One oither thing that crossed my mind, I hope you don't mind, and it involves the length of Paypal's investigation. In a previous email I referred to some comments you made on this matter. They were as follows: 'Even though PayPal asked you to respond within a certain timeframe I don’t think this indicates how long it would take to carry out its investigation. I would imagine, like this service, timescales are put in place to make sure that cases are being dealt with in a reasonable timeframe' I told you that I could understand the basic principle there, but found it very hard to comprehend how it could be stretched out for 2 years and 7 months. Anyhow, let's assume for the moment that the 'Paypal investigation might still be ongoing' as you put it. Are you actually going to make a recommendation on how long Paypal should have to complete their investigation? What do you think is fair and reasonable here? As far as I am aware, even the Statute Barred law in England, which can cover quite serious cases, says that 6 years is certainly long enough for proceedings to be concluded. So, do you think that Paypal should have a period of 3 years, 4 years, 5 years, or even 6 years to conclude their investigation, which would then be fully in line with Statute Barred law, or perhaps something longer? You can't possibly be conflating 'Even though PayPal asked you to respond within a certain timeframe I don’t think this indicates how long it would take to carry out its investigation' with an 'eternal investigation'? I would like to know what you think about all of this please, as if your final opinion didn't find in my favour now, then it must surely address such substance. Well, I would be shocked if it didn't. Much appreciated and best wishes. 3rd June 2016. just another thought I had. Perhaps it might be an idea to actually ask Paypal how many years they need? No harm done by mentioning the notion to you. I clicked 'Send', after composing the previous email I sent you a few minutes ago, and the idea suddenly popped into my head one second later. I do apologise for not including it in my previous email. Much appreciated and best wishes. 3rd June 2016. Thank you for your emails. I appreciate your point but there appears to have been some confusion here. I didn’t mean to imply its investigation was still ongoing, my point was that just because some time has passed doesn’t mean PayPal concluded the investigation. I went on to explain that because it couldn’t conclude its investigation it was reasonable for PayPal to take action to prevent further use of the account. I have explained that PayPal has made the decision to keep the account permanently suspended. I have considered if PayPal has acted unreasonably in deciding to permanently suspend the account, but I have found that it was entitled to make this decision. So I’m not going to ask PayPal to do anything else, as I don’t consider that it has done anything wrong. As my thoughts on your complaint haven’t changed you can ask for a final decision to be issued by an ombudsman. If you would like this please let me know by 8 June 2016. If we don’t hear from you by this date we’ll assume you no longer wish to pursue your complaint with this service. 8th June 2016. no problem and I am very glad that confusion has now been cleared up. I am just trying to fully understand your perception of the key components of my case, which I am sure you must fully appreciate is very important to the whole process. What your final opinion turns out to be is another matter entirely. Anyhow, I just have one last question I want to ask you and will email you later this evening, so you might not pick it up until tomorrow. I will then promptly make my final decision on whether I wish to escalate my case to an Ombusman or not. Much appreciated and best wishes. 9th June 2016. right, as I said in my previous email I am very glad we managed to clear up that confusion. I just hope that you can appreciate why I took 'Just because it was two years ago that PayPal requested this information doesn’t mean an investigation isn’t still ongoing', from your email of 11th May 2016, to indicate that an investigation was still ongoing. Nevertheless, I now think I have a very good handle on how you currently view my case. However, please do correct me if I am at all wrong on anything though. First and foremost, regardless of how far you perceive they did or didn't get, a cast iron fact of this matter is that Paypal did indeed open an investigation. However, neither of us can actually know what progress Paypal made in their investigation, as we don't know exactly what they were investigating or how much relevant information they had at their fingertips during the said investigation. Just because they asked me to contribute to their investigation, which it wasn't humanly possible for me to do, it doesn't by any means indicate that they weren't able to investigate anything. Otherwise, they couldn't have possibly had any notion to open an investigation in the first place. Something must have triggered it or I never would have heard from them. So, moving on, for Paypal to eventually make the decision to leave my account restricted, then they must have finished their investigation. Again, this is regardless of how far you perceive they did or didn't get in their investigation, which we can't actually know. Unfortunately, despite this, Paypal are still maintaining that I am trying to evade an investigation, which is something you don't see fit to challenge them on. As you said, in your email of 13th May 2016, 'I don’t consider that you’re trying to evade an investigation by asking for the account to be closed. However, this doesn’t mean that PayPal should close the account or it should have the same opinion on this point as me'. For the record, I thought it was the opinion of an FOS adjudicator that mattered in such cases, rather than the opinion of the company they were scrutinising, but this was admittedly only a preconception I had when I first decided to approach the FOS about this matter. Perhaps Paypal mean I am now trying to evade a fresh investigation? It could certainly be food for thought. Still, I would like to reinforce the point that, whether open or closed when looked at, nothing can actually stop Paypal from investigating an account. In the final analysis, you have concluded that my Paypal account should remain open, yet restricted, for as long as Paypal decree I am continuing to evade an investigation. If I have not misunderstood anything, then I can't deny that some bits of this narrative do kind of make some sort of sense, but it still all feels a little odd to me. However, as I said, this is if I haven't misunderstood anything. Am I now at a point where I haven't misunderstood anything then? Or is there yet more confusion that needs to be ironed out? Just for the moment, I will vaguely assume I have got there and assess whether I feel uneasy enough to request that this case be escalated to an Ombudsman for scrutiny. Regardless of the outcome, I think we have communicated reasonably well, despite the occasional bout of confusion, which can happen to the best of us. I will await your reply then. Much appreciated and best wishes. 9th June 2016. Thank you for your email.I can’t say I have anything to add to what I have already explained. I have looked at what PayPal’s decision – to keep the account open – and I considered why it did this. I also considered if its decision was reasonable, and if PayPal was entitled to make this decision.I found that all the actions PayPal took were set out in its user agreement, which you agreed to. I also considered its rationale for making this decision and I didn’t think it was an unreasonable one. So ultimately, I don’t think PayPal has done anything wrong and that’s why I haven’t asked it to close the account. That’s a decision for PayPal to make. I understand you’re thinking about asking an ombudsman to look at what’s happened, and if you do want this please let me know by 13 May 2016. – so I can move your complaint forward.Again, if we don’t hear from you by then we’ll assume you no longer wish to pursue your complaint with this service. 10th June 2016. right, so I have now understood everything I mentioned correctly then. I do feel much better when everything is as clear as possible to me. I really do appreciate your confirmation on that, as I would have begun to feel a little bit beleaguered if I had encountered any more confusion. One very last thing I want to ask you, I hope you don't mind, and it involves time scale. It just occurred to me you see. Now, in my email of 3rd June 2016 I asked you how long Paypal should have to conclude their investigation. You then told me that the Paypal investigation wasn't actually still ongoing, despite previously telling me that it was, but not really meaning that it was. It was just a bit of confusion that needed to be ironed out. I happily accepted your explanation and we successfully put all of that behind us. Ok then, so even though a Paypal investigation is not still ongoing, then how for how long is it feasible for Paypal to claim that I am seeking to avoid an investigation by asking for my account to be closed? Do you think that Paypal should have a period of 3 years, 4 years, 5 years, or even 6 years in which they can continue to make this argument, which would then be fully in line with Statute Barred law, or perhaps something longer? You can't possibly be viewing Section 7.2's 'You may not close your Account to evade an investigation' as an 'eternal perspective'? The question of time scale does still remain, whichever way you look at the matter, so I would like to know your opinion on this. This is something you can add to what you have already explained, as future time scale has not previously been addressed, and it shouldn't take you more than a few seconds to do so. It is important to me that I know this. I will then respond with my final decision on whether I wish to escalate my case to an Ombusman or not. Much appreciated and best wishes. 10th June 2016. It’s not for me to comment on, or decide how long an investigation should take.But to clarify, there is no longer a PayPal investigation. As I explained in my previous emails, PayPal has made the decision to keep the account permanently suspended. This is not because of an ongoing investigation but rather because it decided to take action to prevent further use of the account.I hope this answers your question. 13th June 2016. I was told that my Paypal account couldn't be closed due to me 'trying to avoid an investigation' by doing so, which was in line with Section 7.2. Since then, it has emerged that this was regardless of whether a Paypal investigation was 'currently ongoing' or not. As I already told you, Paypal must have been referring to the prospect of a 'fresh investigation'. Now, saying it isn't for you to comment on or decide how long an 'actual investigation' should take is fair enough. However, this would have absolutely nothing to do with giving an opinion on how long Paypal can get away with saying I can't close my account 'to avoid an investigation'. This is precisely your job and you have already somehow decided that 2 years and 7 months is acceptable.. So, if you deem that Paypal can get away with saying that for anything between 3 years and 6 years, then I would accept whatever your specific decision was. However, if you deem that Paypal can get away with saying that for 10 years, 15 years or even longer, then I wouldn't accept your decision. If you thought something in between 6 years and 10 years was reasonable, then I would have to consider your decision for a little while. This is something very relevant that I really do need to know, so please get back to me with an answer. Furthermore, I really shouldn't have to be stating the obvious here, but closing my account would do a pretty good job of preventing further use of my account. Much appreciated and best wishes. 14th June 2016. I apologise but I don’t quite understand your email to me or the point you’re making.I have tried to explain why I don’t think PayPal have done anything wrong. If you would like to clarify your comments then I will try my best to respond to them.At this point, I think it might be best if an ombudsman makes a final decision on your complaint. As I think we are going back and forth about PayPal’s decision and I’m not likely to change my position. Please let me know by 17 June 2016 if you have any other information you would like the ombudsman to consider. Just so you know a decision is likely to be made within two months of when I pass your complaint to an ombudsman. If I don’t hear from you by 17 June I’ll assume you have nothing further to add and I’ll arrange for the file to be placed into the queue for an ombudsman.If you have any questions please let me know. 17th June 2016. I was told that my Paypal account couldn't be closed due to me 'trying to avoid an investigation' by doing so, which was in line with Section 7.2. This was all based on this moment in time. So, very simply, I am asking for how long can Paypal get away with saying that? For example, do you think it would still be reasonable for Paypal to be saying that after 4 years? What about in 6 years, 8 years or 10 years time? What about in 15 years or 20 years time? Or perhaps you think it is reasonable for Paypal to say this for all eternity? For me, it is very obvious that Paypal can't get away with saying that forever, However, that is only my opinion of course. It really is a very simple and straightforward question I am asking you, I do apolgise if I wasn't clear enough in my previous email, and I am glad to be able to clarify if further you. So, if you were to say that Paypal had anything up to 10 years, whereby they could continue using Section 7.2 as a barrier to closing my account, then I might accept your opinion after some consideration. Paypal could then be given notice that they have 'x' amount of time in which to close my account. However, if you were to say that you considered it reasonable for Paypal to continue using that excuse for 10 years, or even longer, then I wouldn't accept your opinion. So, for how long do you think Paypal can get away with saying that my account can't be closed, due to me 'trying to avoid an investigation' by doing so, in line with Section 7.2? This is something that I really want to know. No need for any going back and forth and I look forward to getting an answer then. Much appreciated and best wishes. 20th June 2016. It’s not for me to say how long PayPal should keep the account restricted for. As I explained in my email of 11 May, section 10.2 of the user agreement allows PayPal to suspend your account. And it does not set out that it can only do this for a certain period of time.PayPal made the business decision to keep the account suspended to prevent further use of it and so it is entitled to keep the account restricted as long as it thinks is reasonable. This decision might be indefinitely but that’s for PayPal to decide.Ultimately, it is entitled to decide if it will provide its services to you again in the future and that’s not something I would comment on.I will now arrange for your complaint to be passed to an ombudsman. 21st June 2016. I am afraid that you have totally missed something very important. So, in the interest of fairness and impartiality, hold your horses a moment please. If you care to peruse Section 10.2 of Paypal's user agreement, then you will see that it also does not set out that a suspended account can't ever be closed. Where you got the idea that it did I really don't know. For the record, I am perfectly happy for Paypal to keep all of the restrictions on my account when they close it. I am certainly not asking that they lift any restrictions prior to closing it or after closing it. Moreover, I am also happy to verify that I wouldn't accept any services from Paypal ever again in the future, even if they were to offer me copious amounts of money as an incentive. Therefore, the notion that I might consent to Paypal reopening my account one day has no substance whatsoever. So, I take it these recent, fresh developments might well shed new light on the matter in your eyes now then? I mean not appreciating the fact that Section 10.2 of Paypal's user agreement does not set out that a suspended account can't ever be closed is relevant isn't it? We all miss things I am sure, but it is relevant right? Anyhow, please confirm, as I would like to avoid any further confusion.Like I said, I am 82 years old and doing my very best to keep up here. Furthermore, if the case ultimately ends up going to an ombudsman, regardless of these new revelations, then it's still definitely no harm done covering this. It should even help the said ombudsman when weighing things up. Much appreciated and best wishes. P.S. From what I can gather, you are now not really basing your opinion on Section 7.2 then? Please confirm, as I do want to be totally clear on that as well please. 22nd June 2016. I don’t have anything further to add, as I have already addressed my thoughts on PayPal’s terms and conditions previously. However, your comments will be available for an ombudsman to review. If the ombudsman disagrees with what I have said they will explain why this is. 6th July 2016. my apologies for the somewhat tardy response, but I have been very busy dealing with another very serious matter of late. Right, moving on, there is something that I need to be crystal clear on. In your first email of 22nd June 2016 you stated the following: 'I don’t have anything further to add, as I have already addressed my thoughts on PayPal’s terms and conditions previously.' Well, you had never previously addressed the fact that Section 10.2 of Paypal's user agreementdid not set out that a suspended account couldn't ever be closed.The very obvious reason for that is I had only first raised it with you in my email of 21st June 2016. So, what I want to know, before I submit a final comment to the ombudsman for review, is are you saying you actually took on board what I put to you before dismissing it as irrelevant? Or is it the case that you didn't even bother to assess what I put to you before dismissing it as irrelevant? It is important to me to know this, it is a very simple and straightforward question as well, so I look forward to getting your prompt clarification on that point before I submit a final comment to the ombudsman for review. Much appreciated and best wishes. Well, my father and I both feel quite strongly about this. We don't see how Paypal can be authorised, by the FOS no less, to keep his account open forever. At the very least, we believe that they should have 6 years from when they first restricted his account to close it. This has all dragged on for a while now, he goes at his own pace despite my best efforts to help, and he wants to get final closure on it as soon as is practically possible. So, he wants to know if anyone can recommend anything to include in the final comment he is going to make before an ombudsman reviews the case? He wants to know if anyone has any general advice they can offer on this matter? For example, if an ombudsman sides with adjudicator, then could he potentially get some success via county court action against Paypal? All advice greatly appreciated. We feel that the FOS adjudicator has been very unreasonable here. She didn't try to run off, I will give her that, but it seemed that no matter what she was presented with it would always be wholeheartedly twisted to 'Paypal is right!'. Perhaps my father and I have lost touch with reality somewhere down the line? On the boards it says something like 30 users are currently browsing this thread. It is 1a.m. and, although some of these users are no doubt genuine forum users, that is a serious amount of bots. It isn't my field, so I haven't really got much of a clue about what, exactly, they are doing here though. Just a night howler reading interesting stuff.

Please forgive the length of this post. Very stressed mother of 20, 18 and 14. 18 year old staying on foster child. All in uni, college. Husband primary carer for looked after child. We rented the same house for 13 years, initially through an agent, but the landlord took over himself for the last 3 years. He was a pain and kept increasing rent every 6 months. We should have moved, but, children, work school etc. He issued a section 21 notice at which point we started looking for somewhere to live. I lost £750 in deposit and referencing fees. I have to admit that business wasn't going well and money was very tight so our rent was not very regular but it was paid. He applied for eviction and claimed arrears of rent via a money claim. The court refused him possession saying section 21 defective and he appealed. We stopped paying rent to save up a deposit and we finally found somewhere to live and moved. In the meantime, moneyclaim came to court. Sum was increased from £5k to £16k and court gave him judgement despite no notification on increased claim before I got to court. I told judge I would have come to court to with counsel if I had known. I appealed and was denied leave to appeal, but granted an oral hearing. Meantime, landlord withdrew appeal to judgement on Section 21 and asked we make repayment proposal as we have 2 very successful businesses. He has had in his head for years that we have money just don't want to pay him. He has been telling me he will ruin my credit for years everytime I argued about rent increase, looks like he will shortly get his wish. I will have to sign on and claim HB to be have any hope of being able to pay next month's rent if I don't get a job asap. I need transcripts, but can't afford to pay as I am currently unemployed though not on job seekers, I need to send a bundle to court shortly in advance of hearing but only have a thin idea of it needs to go in. Any, all advice most gratefully received.

Hi to you all who have taken out loans with this company me also being one I feel we are all same unite here cos we are all similar cases loans done by the company mine has been too trauma to put on here its cost me dearly in my nerves etc I just want to say thank you for saying on here to each and everyone of you I know we all have experienced same things to do with this company, please hang on cos I believe there is now light at the end of the tunnel. BLESS YOU all and try relax , sometimes it just takes one more to move the mountain . I had to remember nothing is impossible is it, release is coming we have to remember its just a loan and yours and my views count , whither its 1 person 2 people 50 people 1,000 plus people with same view multiplication is coming or is not needed because sooner or later it just takes the right place, action, things, people to change things.