Bought a Toshiba laptop in April 2014, on my Argos card along with the 3 year protection. Keyboard was acting funny, and my passwords were always missing a letter. Now it has crashed altogether, and the recovery disks were stored, as I thought on my clickfree, but apparently it doesn't backup programme data. Went over to Argos, thinking I would get a replacement, girl told me to go home and ring the breakdown line. rang them, they said that because it was under a year old, it should be Toshiba, she put me through to them. Apparently, it will cost me to get a repair, or even for Toshiba to look at it, £31 for recovery disks, and another fee for them to look at the keyboard. I am totally lost without my laptop, and I thought paying the extra £169 was my security if it broke down. Any ideas

Hi folks, any advice on the following would be appreciated, sent a claim in to CitiFinancial for PPI refund, they have agreed to refund approx. £800. However they are now saying that they notice from their records that my address has changed. Ive very recently moved back home to my parents so cannot provide them with current bills, council tax etc which they are requesting. However I am positive that I gave my parents current address when I took out the loan for which the PPi settlement has been agreed. MY parents are willing to provide the details they requested with their names on them and written confirmation that I reside at their address but CitiFinancial are not accepting this! Any ideas on how to proceed anyone. Thanks

Hi everyone it is my first time posting so I hope I am on the right forum. We have been paying a secured loan with Citi for years (2006). In 2009 it went to a suspended repossession order and since then we have never missed a payment even though it has been a struggle. A few weeks ago I received a handful of annual statements from them but did not really know why they had sent me them all in one go. On Saturday 4th January, we received the following letter: Account number is **************** Further to our recent correspondence regarding annual statements we would like to advise you that due to our failure to supply these statements in accordance with the Consumer Credit Act 1974 we have refunded all interest and fees accrued during the period of non-compliance 01/10/2009 until 30/09/2013. The breakdown of sums refunded to your account is as follows: Interest £7880.20 Fees £981.13 The current balance of your account after the refund is £211.27. Citi had a phone number that you could contact if you had any questions, my husband rang them but they have refused to deal with us, and have told us that we must deal with their solicitors (Wallers, very rude people) as that is where our account is, he rang them and we were told that the 211.27 is not our final amount and we have to request a redemption figure and it will take 7-10 days, they won't tell us how much it is, and I am very concerned that it is going to be an amount that we cannot pay in one go and we end up back in court after all this time. We rang Citi again but they will not say anything but wait for the redemption figure. Maybe I was naive to think that if we paid the 211.27 that was it, as that is all the letter says. Any advice would be appreciated. Thank you

as above, CCA'd egg on 16/07/08. They responded with an unsigned agreement and nothing else, no terms, no other info. Wrote back to them to tell them account in dispute as they have failed to provide etc. put in the dispute letter the usual about "you may not pass this account on" etc but they've completely ignored it and sent a letter back saying the account is now closed and will be passed to a DCA for collection what do I do now?