I was an Iresa customer before they went into liquidation and have just received a reminder from Octopus that I did not deal with their email about my final Iresa bill. I have now dealt with it but I am concerned that others might have just accepted the figures given without checking or being able to check them. The initial final bill showed us as being in debt to the tune of £89.01. I knew that this was wrong as we had always been in credit. I saw that Iresa had estimated our gas usage for the last month (July) at 55% of our annual usage. That massive over estimate seems very suspicious to me! However, I contacted Octopus and challenged the estimate pointing out where the error had occurred. I then received an amended bill showing a credit of £49.99 and some figures to justify this were included. This still seemed wrong so I sat down with the meter readings and bills and worked out my own estimate of the correct figure. I am no accountant and I struggled with the figures but, eventually, arrived at a figure that I sent to Octopus with an explanation of my calculations. I have now received a new final account showing a credit of £305.39, a difference of £394.40 from the original bill. Octopus admitted that they had made an error in their calculations and apologised for doing so. I have no doubt that the errors by Octopus were innocent ones but there was clearly no checking of the figures being produced. I was able, with difficulty, to work out where the errors had occurred but I know that many people including my wife and in laws would not have been able to do so. I am concerned that there seems to be no (or completely inadequate) protection for customers caught in circumstances such as these. It is unfortunate that I did not see the original message from Octopus and dealt with it earlier. I doubt that raising this here will help anyone but felt that I had to do so just in case someone else has found themselves in the same situation as we did.​

Sorry for the long post: I have been busy looking for ways to keep as much money as I can in MY pocket. By this I mean I always pay my bills on time and often in credit. I wanted to save money on my water rates and looked in to getting my supply from the water companies directly. Currently my bill is £10.35pw. Not a lot you may think! But this is paying the Council directly as they get a discount for being a huge customer. They appear not to pass this saving on to their tenants.... The interesting point on this matter is that you will be paying a share of other peoples debts and voids. This is explained within the case listed below. Let me explain. 1st of all you need to find out if your LA is overcharging you, how you may ask. This is easy to find out by using a tool most water companies use to decide what your bill could be if on a metered supply. Will you save money? Umm a very good question to ask. Depending on where you live and whom is supplying your area you will need to find this for yourselves. In my area this is Essex and Suffolk water. They have a tool you can fill in and it will give you what you could pay if you changed to a meter. I did this and found out that I could potentially save upwards of over £300pa. A huge saving by any standards. My savings is based on the fact I do not have a bath and a single occupant and that I have a wet room. So I would save by switching supplier and going directly to them and not my LA. Now the interesting part of my post: There has recently been several important cases heard including a hearing at the High Court. The links are as follows. 1. http://www.localgovernmentlawyer.co....d=56&Itemid=24 2. http://www.bailii.org/ew/cases/EWHC/Ch/2016/457.html From the long read you may discover that you can ask your LA to allow you to switch supplier. I made this information known to my LA and they are already beginning to filter out letters to their tenants. I am what is known as a block voice for my estate and asked if I could get my supply metered and at a reduced rate from the main suppliers directly. their response was a resounding NO! But then I linked them to these cases above and they had a change of mind. If it turns out that residents may have been overcharged, then they may be able to argue a refund against the different prices you had to pay. This I am currently looking in to and will update as and when anything comes to light. There is so much more to this issue but would make the initial read far to long so have just given basic information this far. What are your thoughts on this subject please? Note to admin not sure if this is the right area to post if not please feel free to move.. Similar thread here >>http://www.consumeractiongroup.co.uk...ht=water+rates with no replies MM

https://www.thesun.co.uk/living/2836966/bbc-secret-shopper-finds-two-thirds-of-tesco-customers-overcharged-by-expired-deals/

Good morning, My 18 yr old daughter took out a policy with 'MyPolicy' car insurance 8 months ago when she passed her test. They seemed the best price at the time but have cost dearly over the 8months, mainly in charges for extra miles. a few weeks ago she was involved in an accident which wasn't her fault, the other driver admitted blame immediately. The claim has been settled and they have sent the cheque. Now, the problem is the charges they want to slap on her. Her car was a write off so she is going to buy her brother's car. They want to charge her £150 for a new black box and £100 to change the details on the policy to the new car. This sounds totally unreasonable to me and is a loss on her part seeing as the accident wasn't her fault. Baring in mind the black box only cost £50 to fit when she first took out the policy. She's young and inexperienced and doesn't know what to say on the phone. Last time I tried, they wouldn't speak to me, but surely if she gives her permission that should be fine? I need to fight her corner for her as I can be stronger on the phone. I need some advice as this charging can't be right. It's a total rip off to me. Any advice would be greatly appreciated.

Argos owner Home Retail Group is setting aside at least £30m in compensation after admitting thousands of store card customers were overcharged. The company has launched a detailed review into the issue, which relates to "buy now, pay later" plans for some of the retailer's 1.5 million store card holders who were charged excess fees for late payments. Chief executive John Walden said it affected up to 10% of Argos card customers. They are expected to receive compensation of up to £100 each and Home Retail (Other OTC: HMRLF - news) will write to affected customers in the next few weeks. The group said it had found that "a more extensive customer redress programme" would be required than first thought when the issue was discovered earlier this year, increasing the likely cost by about £30m. https://uk.news.yahoo.com/argos-owner-faces-30m-bill-085323975.html?nhp=1

https://www.energylivenews.com/2016/06/08/millions-overcharged-270m-due-to-billing-errors/ Around 3.8 million energy customers were overcharged a total of £270 million due to billing errors last year. That’s according to a report by uSwitch, which estimates it cost each household on average £72. Around 9% of them are yet to receive any money back from their supplier and 12% waited more than two months before the issue was resolved. More than a third – 36% – of consumers whose supplier made a mistake said the wrong tariff or product details were applied. Around 31% said their suppliers applied incorrect fees, 27% said they used the wrong meters and 24% said companies set inaccurate direct debit amounts. Claire Osborne, Commercial Development Manager at uSwitch said: “Consumers have a right to expect correct bills. It’s unacceptable in this day and age that customers are picking up the cost of suppliers’ mistakes. Households are already trying to cope with the high cost of energy and can’t afford the additional cost of simple blunders.” It's high time things were changed. I cant see smart metering ending these issues when the complaints listed above are down to fundamental errors rather than estimated bills!

Hi guys, I received my last water bill a while ago and it's double what the previous bill was. I'm having problems understanding what's going because there have been no major changes to the house. They had been sending people round to access the meter in our front garden which they have never done before. It was a rather bizarre incident. These guys showed up and asked who they should write to at this address and I explained that we were already with Thameswater and I didn't understand what's going on. I don't know if we're getting billed for another house or what's going on. Is there any way our bill can be recalculated? I don't understand how reading a meter at the front of the house has affected our bill to this extent. Can someone help me with this situation because I have a feeling Thameswater will make a dogs dinner out of this.

HI! I'm hoping someone can give me some advice. I joined Rush Fitness in Feb 2015. I signed a contract to pay £17.99 a month for a minimum of 1 month and could cancel at any time with 1 months notice. Rush Fitness DD is managed by the Harlands Group. In Sept 2015 a payment of £29.99 was taken as direct debit from my account, I tried contacting Harlands but every time I tried they were either closed or wouldn't answer the phone. I made contact with my bank who clawed the money back under the direct debit guarantee. I then received a letter from Harlands on 29th Sept which said: "we have today received an indemnity claim from your bank to refund the sum of £29.99. Consequently we write to clarify the situation. As you should be aware, you have entered into a membership agreement with Rush Fitness. At no time did we or Rush Fitness receive notice to cancel your agreement. The agreement also states that such payments are non refundable. We therefore ask that you request your bank to withdraw its claim immediately. Should you not withdraw the claim and rectify this breech of your agreement with 14 working days, you will incur a £25.00 administration charge and matter will be referred to a debt recovery company to pursue for the full amount and cost incurred. If you would like to discuss this matter please contact the Harlands Helpline. We trust this letter receives your urgent attention." I then responded via email with this: "Dear Sir/Madam, I am deeply disappointed and disgusted to read the content of your letter dated 29th September 2015, your reference XXXX. I have been a member of Rush Fitness for a period of time and throughout this period I have ensured regular payments to the sum of £17.99/month as agreed in the terms of my contract. However, I was shocked to find a sum of £29.99 had been deduced from my bank account instead of the £17.99 agreed. With reference to the contract and your statement "your direct debit payments are protected with a money back guarantee and you will receive 3 working days advance notice of any changes" - This holds you in breach of contract, as I have received no correspondence informing me of any increase in my membership fees. Not being able to make contact with yourselves due to your restricted opening hours, I had spoken to my bank who further confirmed that you were in breach of the direct debit agreement and therefore had made contact with you to recover the payment taken. Which as your statement also states above is protected by a money back guarantee. It appears my bank has recovered the full amount rather than the overcharged, I am happy to forward you £17.99 as per our agree in lieu of 1 months notice to terminate my membership as I no longer wish to be a member of Rush Fitness. My last day of membership will therefore be 23rd October 2015. I trust you will give this email your urgent attention and hope to hear from you soon. A disappointed customer, XXXXXX" They didn't respond so I sent them another to say - I would be grateful if you either promptly respond to my email or discuss my account with my father, who may be available to call you on my behalf. They responded to that no problem and there was an email trail so they've read the first. My father then spoke with them and they were unhelpful and basically dismissed what he said saying I have to pay all of it. Sorry this is so long!! Any advice on how to resolve this before it goes any further would be really helpful! N x

I've had ongoing issues with PAYG (pay as you go) dongles. I have discovered how much more PAYG customers pay - eg a contract customer I know with the same company pays the same monthly amount and gets 5x more data! But then is charged £25 for exceeding it, without warning. I passionately believe that the prices should be the same - why are those who can't or won't go onto intrusive contracts less valuable? What kind of a value system is this?! It means that those who can't afford contracts are, like prepay electric meters, paying the most, and often not getting a very good signal or speed. PAYG dongles - typically only 2-3G per month - are not viable for keeping safe online. it's the security updates that are mostly responsible for sucking our allowance. We also can't control the traffic online whose heaviness effects our download/browsing allowance. Most contracts will be 15-20G a month. There are big issues re auto charging, holding people into durational contracts, valuing those who spend the most - all of which are general consumer and outlook issues. I've found Three, who were sometimes better than other phone companies, to have lately been awful with customer service. Their Executive office who deals with complaints to have no idea how to speak to a customer or have any comprehension of my real issues, and try to evade the long term problems and discourage ombudsmen, perhaps even not telling you they exist. Ombudsmen are a whole other post but I increasingly believe they are not independent, fair, and staff are encouraged to throw out cases or rule unfavourably to customers (sometimes whilst sounding as if they've been reasonable) and are frankly obtuse. I'd like to make the community aware and hear other people's stories as a campaign really needs launching about these fundamental imbalances between the public, companies and government related departments.

The Student Loans Company (SLC) is overcharging almost 80,000 graduates by ten per cent every year – leaving them £580 out-of-pocket each time. Automatic income contingent repayments (ICR) begin when a graduate begins to earn over a certain amount of money once they complete their studies. The repayments are collected through the UK tax system where borrowers remain in the UK. However, as the SLC only receives information from HM Revenue and Customs (HMRC) about what customers have repaid once a year – after employers have finalised their annual tax returns – there is a ‘time lag’ which means thousands of people nearing the end of their repayments overpay, unless they opt for payment by direct debit. http://www.independent.co.uk/student/news/student-loans-company-is-overcharging-almost-80000-graduates-by-580-every-year-baker-tilly-finds-10431230.html

Does anyone have the email address od Carolyn McCall, CEO of Easyjet? Daughter has a complaint about a £40 surcharge applied to her online check-in for a return flight because the last 2 seats (already paid and checked in) available on the plane were considered to have extra leg room. What were they supposed to do as an alternative? The rep threatened to cancel their booking if they didnt pay but they didnt choose the seats so the supposed "option" was superfluous..

Just wondering if anyone else has had Post Office staff try to overcharge them or if it is just my local branch. Several times I have taken packages to my local Post Office and they have tried to overcharge me. The most recent was I took a "large letter" size packet and was told it would cost £3.90, the cost of a small parcel. I queried this and was rudely told to hand it over to be put in the guide. It fell straight through. The cost ended up at £2.29. A lot of elderly people use this Post Office and probably don't think twice about questioning the cost. Believing that the staff will offer them the cheapest option along with all other options.

I like the decision to give the fine to the CAB. http://www.bbc.co.uk/news/business-32157906 HB

I am at loggerheads with Vodafone. They have been overcharging me for many months of my contract, done the whole complaints roundabout thing many times, the problem is never fixed. For the last few months I just gave up paid the overcharge and then this month I have been fighting for that money to be paid back. I have refused to pay for my bill (I have actually already paid them enough in overcharges), all I have wanted was them to sort out my bill. Having had several promises to sort it out, couple of weeks later nothing. The thing has really annoyed be is the amount of empty promises from customer advisers, like promising to email but appearing to be unable for them to or they fact I keep requesting (dozens of times explicitly) my complaint get passed to customer relations yet never doing it. Over the course of my account I must have had to complain over 50 times for 2 issues (The start of my contact was blighted by the trouble porting my number). It appear the complaints dept. have figure to make when "solving" problems. They can't offer me a solution but have put me in a complaint limbo. So at the moment they are still charging me line rental for which I am getting no service, I requested they put my account in suspension whilst this is sorted but I was told that all they could do was carrying on billing me. What rights do I have when it comes from termination of contract? They have not been giving the service I paid for and over charging. I refuse to have to over pay to maintain my service. Or any right to suspend my accounts charges until this problem is fixed? If they had sort the issue straight away it would have been easier, but now I have the fact I am being charged because they can't sort out a complaint.

I discovered two years ago that for 6 years I had been paying day time rates for my E7. They admitted and promised to refund within 7 days. A tear later they were denying it and saying there had been no error. By this time the records had been destroyed forever after a system upgrade. I had calculated around 2000 in overcharges in the 6 years and stopped paying them until they sorted it out and refund me whatever I had not gotten back that way. After a few months I sent details to the ombudsman who acknowledged my complaint, but then lost it and never acted. I then became suspicious when I was turned down for a job and found that BG had defaulted my credit record every month and had me down as heavily in arrears. They used that false information to illegally get a warrant rubber stamped by magistrates and turned up one Saturday morning and began drilling my door lock to break in and fit a coin meter. (This pushes the cost up considerably apart form the inconvenience) I had to pay them most of what they demanded there and then to get these heavies to clear off. The following Monday I received their letter threatening to break in if I didn't pay. I then got the ombudsmen involved again and they apologised did noting and eventually sais they found in favour of BG, but gave no grounds for that decision. I am determined not to be bullied but they continue threatening and sending make believe debts to debt collector firms.. I am paying 2000 a year to heat a two bedroom flat and I cant switch because they claim I owe them money. I find it hard to believe they could be given such power to ignore normal law. I simply said, send me a statement proving what fuel I used and how much you charged me for it and if that is correct I will not argue. They are unable and unwilling to do this and seem to be able to use to the system to simply make up a sum and demand it with the backing of the state. Does anyone know the true position? I cant afford to employ lawyers, but at this point the principal is as important to me as the money. Any suggestions? I eventually got them to clear my creit file

This is a strong warning to others regarding Kwik Fit's dubious business practices/incompetence and very poor customer service. I went to my local branch (which I am considering naming) for an MOT. I was told that there was a parking brake imbalance and it would have to go back in for a brake check. While it was in, Kwik Fit phoned me and after 5 minutes of explaining how brakes work, I was told that in needed new discs and pads at a cost of £405. Fortunately for me, I declined the work and took it to a local independent garage who specialise in my make of car for a second opinion. After inspecting it, they told me that: The brake discs were absolutely fine The pads had another 10,000 to 18,000 miles in them And that all it needed was a handbrake adjustment. This cost me just £30!!!!!! I also paid £48 for an MOT and it passed. By trying to charge me £405 for work not needed, it's either incompetence on the part of Kwik Fit or they are deliberately trying to charge for work (and parts) that are not needed. Personally I think it's the latter. Either way, I won't be using Kwik Fit again. I called head office to make a complaint. They took details and said that the branch ops manager would call me. 5 days later, I'm still waiting. I may pay him a visit and see what he says about it.

I sent my van to be repaired at a local garage and he has sent a bill that is almost double the dealer quote. They have done no extra work and are quite clearly trying to rip me off. When I've disputed the bill they've said they are placing a lien and charging storage until I pay. the storage charges are hidden in the garages t&c on the website which I didn't no existed until he sent the storage bill. I understand I should pay under protest then reclaim but I've found out the owner is bankrupt and the garage is I liquidation therefore I'm reluctant to pay the full amount as there's little chance I would get any money returned if I took the matter to small claims court and won. Could I pay him the amount I think is right ie the amount the dealer quoted and then issue proceedings for release of the vehicle ??? Any help great fully received

So last year after having sky talk and broadband for a year my contract came to an end. I wasnt happy with another price rise so rang them saying unless they brought my bill down I would leave. the projected bill was to be £25.90 a month after a third price increase in a year. After some hard bargaining and temper tantrums I got an agreed reduction down to £15.90 a month and started my new contract. The first payment of £15.90 went out as expected on 11/12/13. Since then theyve hiked my bill back up to £25.40 a month and are refusing to accept that I had a reduction put in place, despite the exact right amount going out in december last year for the first payment. They are refusing to reduce my bill and are saying theyll pursue me for the full years contract if I leave, despite the fact that they arent honouring the reduction they gave me. Now, I specifically clarified on the phone to their customer service that th reduction to £15.90 was for the full term of my contract and not just a one off. In fact I went over it about 3 times to make sure I had it right. Now Ive been whacked with £30 worth of bank charges as I wasnt expecting the bill to be what they requested. They seem to be ignoring my requests to explain why a payment initially went out as agreed, and why its suddenly gone back up. They just say my bill is £25.40 now, like it or lump it. Advice anyone?

So my 72 year old mother orders a Sky package. She signs a contract stipulating 25.50 for the first 6 months and 35.50 thereafter. The installation occurred in May 2012 - the installer doesn't connect the TV to the phone line, telling my mother to do this herself. He doesn't check the broadband works, leaving her with the box and telling her to plug it in herself. In fact it was a further 8 months before we had a working broadband connection.... and despite failing to test or connect this service, my mum was charged for it and told that it would be £75 if she wanted one that actually worked. lol Anyway - that's not the real crime here. The initial amount of 25.50 was collected for the first 5 months - then the charge was raised to 43.50/month instead of 35.50/month. Furthermore, no mention at any time was made of the fact that to view her bills she'd need to use the TV (which she couldn't because it had never been connected) or use the internet, which she didn't have the technical skills to do at the time, leaving her unable to easily query the amount going out of her account. Sky are now refusing to refund or even contemplate refunding the excess charged because no complaint was lodged in the first 12 months. Has anybody had any success in small claims court against Sky in this kind of scenario?

Hi Everyone I have been a BT customer for many years but recently got so fed up with them that I decided to change providers. I was under no contract. One of the reason I was unhappy with them was I suspected I was being overcharged. Once I cancelled the service I checked online to work out how much I had paid them over a set time. I have bills going back to 11/09/12. At this time, the amount I owed them was '0' as I had just paid my bill. From this date up until 12/12/13 they issued me a bill total of £622.22. I checked on my bank statements and during the same period I had paid them £681.36. which confirmed that I had been overcharged by £59.14. I waited until they sent my final bill which came to £55.56 which then meant that I had actually been overcharged by only £3.58. No big deal as long as the account was settled, I'd forget about it..... However, I contacted BT customer support via email and explained this, but they continued to chase the final bill of £55.56 and would not except that I had over paid for their services and that they actually owed me a refund. On closer inspection I noticed from my bills that I had also been overcharged on individual bills one was for a duplicate late payment fee of £7.50 and another unexplained admin charge of £8.36. I complained about this and they confirmed I was correct and refunded both charges. They have now deducted these but are still chasing the original final bill of now £39.70 (£55.56 - £7.50 - £8.36). I contacted them confirming that I had received the refunds but it makes no difference to my situation as they still owe me the original £3.58. I am now receiving debt collection letters which threaten legal action maybe taken against me and that my credit rating will be seriously affected if I do not pay them the £39.70. I am not bothered about the £3.58 they owe me, but I am very concerned about my credit rating which is currently very good. The questions are firstly can they sell the debt to an agency if I am disputing the case. Secondly can they place a default on my credit file and finally should I just issue the £39.70 and forget about it or should I begin my own claim against them just to clear my name and prevent them taking further action. I have been arguing my point via online customer services for over a month and having to go back through my records has cost me hours of time and effort. It seems as though we are in a stale mate type scenario. I apologise for the long winded post, but can you offer any advice. Thanks FB

Has anyone experienced blatant overcharging or been subjected to a [problem] at a UK petrol station? I used the Shell garage at Westerhailes in Edinburgh as the needle on my fuel indicator was touching zero. On fuelling, there was no noise coming from the pump and there was no sensation of fuel running through the hose and into my car as there usually is. I stopped refuelling the car, concerned that the cost was increasing but I was receiving no fuel. This was also evidenced by the fact that the indicator needle had not moved at all when I turned the ignition on. The staff advised I still had to pay and they provided me with an e-mail address to contact Shell customer services with. I did this and after carrying out "checks" I was told the pump was fine and I would not receive a refund. So I have had to pay for petrol I didn't actually receive. Interested to hear of other similar experiences and action taken.

Hi, My original contract started in 2011 as an 18 month long contract for £10, at the time orange was offering it as a discount from £15 for a monthly contract. I was not able to take on the contract at this point as I was not 18 so my mum was the holder of the contract and had the direct debit coming from her account. This deal came to an end last year and went up to £15, the problems started when I wanted to renew my contract to get the £10 deal again for another year. As by this point I was over 18 we signed up to the new contract transferring the account into my name and coming from my account by direct debit. The new contract also included an extra 100 free minutes over my old contract for signing up to the year deal rather then the monthly rolling. It appears I have been signed up for the year long contract (that is what it says on my online statement), I have the extra minutes as expected however I have been left paying £15 for the last year and though they managed to transfer to taking funds from account they haven't transferred the contract into my name. I did contact them in April when I realised that neither of these were correct and was told that the details would be swapped and my contract would revert to £10 as it should have been, my mum was also told a letter would be on it's way to confirm the details switch. The operator told me she was looking into getting a refund but her manager was busy at the time and she would get in touch with me within 3 days. Neither of these changes have gone through and I have not been contacted again and am near to the end of the new contract now, I emailed the executive email address on the 8/9/13 to remind them of the over charging but have not had a response. What should I do from this point? I am going to send another email, I would prefer not to deal with call centers as there is little proof of what has been said and my past experience was not good. I could take it to cisas? I'm also not sure if this counts as a breach of the Supply of Goods act? TLDR? Orange sold me a new contract, increased my bundle but kept the same price when it should have been reduced. I called them in April and emailed at the beginning of September but they have still been unable to resolve it, where should I go from here? Thanks for any guidance! Regards, John

Hello all I bought a contract with T-Mobile in January for £26 per month. For the past seven months they have been overcharging me by £11 pounds per month. Yesterday I complained in store and they said that they had fixed it and now it was back to its original price. However, the online system still does not show this change. Furthermore, the customer services told me to fax my demand for a refund to a non-existent fax number. What can I/should I do?

OK In October 2007 I signed up for a dial up conection to aol. The next year April 2008 I upgraded this conection to AOLTalkTalk/ Broadband. I can vagualy remember they cancelled the dial up when they changed me over to Broadband, but can not prove it. The problem is since October 2007 they have been charging me £31.99 for the dialup although I have not used it AT ALL since I upgraded to AOL talktalk Broadband, They take this paymeny from my Debit Card. Also charging me between £28 to £30 for Broadband which is not a problem as I am using this one, This comes out as a Direct Debit. So for the last five years I have been charged the £31.99 for a service I have not used at all. AOL are trying to blame me for not cancelling the Dial up back then in 2007, I told then that I was sure i did, and after getting passed on to 5 different people on the phone the last guy said that he would speak to a maneger and call me back tomorrow. Is there a way that I can claim this money back,? as I have not used the Dial up conection at all since I signed up for Broadband, and surley they can see this on my account. Thanks Kevin

I signed up to AOL all the way back in the 1990s and initially connected to their service using a modem. Several email addresses were established with them and I continue to use these email addresses currently. A long time ago we signed up to a broadband account with NTL who went on to become Virgin Media. I accessed AOL through their proprietary software but using the NTL/Virgin Media account for the actual internet access. The narrowband modem dial-up connection to AOL was not used at all after we had signed up to NTL/Virgin Media. I have long since even used their software and have accessed my email accounts through Outlook. It would be fair to say that I haven't kept a close eye on what AOL had been charging me over the years for what was essentially just the provision of email addresses but I recently found out that AOL do not actually charge anything at all for email addresses. Over the last year they have been taking £31.99 a month from me via a credit card continuous authority transaction. Looking back over my records I see various monthly charges of £26.98 and £19.99 going back into 2010. I don't have records of what they were charging me before that but I think it was of a similar magnitude. I believe these charges were actually the sort of charges they make for an AOL broadband account but I have not at any time accessed AOL by their own broadband system. I rang one of their representatives yesterday who wasn't exactly helpful. I asked him why I was being charged all of this money simply for the provision of some email addresses. He wasn't bothered that I have never had a broadband connection with AOL. He also claimed that the £31.99 per month currently being charged was the cost of a narrowband service - something I highly doubt. I believe I have been wrongly charged for a service I haven't received for a great many years and would like to know my chances of claiming this money back. I have written an initial letter to AOL (who are apparently now owned by Talk Talk) but haven't posted it yet. Does anyone have any advice as to how I should go about this?