Hi All just wondering if anyone would know what he waiting time is for an ESA Assessment, i have been claiming ESA since July 3 2014, and still have no sign of anything to do with this, i have phoned up on numerous occasions to be told its being looked at, but still nothing. is there anything i can do to speed this up or shall i just play the waiting game... many thanks Lets

Interesting article in the gazette http://www.lawgazette.co.uk/5049573.article?utm_source=dispatch&utm_medium=email&utm_campaign=GAZ250615 But that necessity may come to the fore again as the government wrangles over how to amend or repeal the Human Rights Act: nothing is so fundamental that it cannot be repealed by parliament, if no longer by an all-powerful and capricious monarch.

I have been looking for a vehicle to purchase second hand and finally came across an Xtrail which I viewed on Saturday. As it was close to their closing time I just discussed the financial aspect of things as I am currently in the transition of changing circumstances and therefore documentation is sparce until August. They were going to discuss my circumstances with the finace company on Monday and let me know. I heard from the finance company on Monday that all was well and als=most immediately received a call from the dealer with their usual salesman patter, "ther eis someone else looking at the vehicle and it will be a first come, first served basis" and I naturally replied, I don't surcumb to pressure, if they want it, they can have it because I don't buy a car without having test drove it. He wasn't too pleased about it. I went over on Tuesday with my son to drive it and he heard a noise from the rear which was highlighted and discussed with the Manager of the site. He assured me that the vehicle will go through a 160 point check and will put 12 months MOT on it as the current one expires in August. Based on his assurances, I paid £100 deposit for the vehicle to be taken off sale and signed the Sales Order, finance agreement etc. We agreed that I would pay the balance of the deposit (£400) on 25th June over the phone, and collect the vehicle on Friday 26th June because they said they were unable to carry out the MOT until the balance of the deposit had been paid. I have paid additional monies within the agreement for 12 months warranty but I am not sure who that is with. However, having discussed my excitement with friends, one of them has highlighted some poor reviews on the dealership and I am wondering if I have let myself in for some trouble next week? I know reviews are hit and miss as with all things but as my funds are extremely limited, I would appreciate your thoughts on whether I have been stupid in my process to purchase this vehicle and suggestions on how to proceed under the circumstances please. I note from their website they still have the vehicle for sale and have reduced the price by £100 Shelley

Dear friends, I have checked my Equifax and Callcredit report’s in the last few days as I know I have some pretty bad looking marks relating to a Barclaycard I had a good number of years ago, I have learnt from the error of my past and have had a clean credit file for the past 5 or so years. The Barclaycard was not managed well by me (I moved address in 2008 after graduating, got a new job and got married all simultaneously and did not inform Barclaycard during this busy period until 2010), although I never defaulted just had a large number of late payments, I am really upset about not being more proactive at the time as now I would like to get a mortgage and this is really holding me back. My main issue today is that Equifax are showing inaccurate Barclaycard data going back to 2006, and I only want it to show the most recent 6 years (going back to 2009). To get a better understanding of what actually happened I will explain my Callcredit/Noddle report first as they have reported the Barclaycard entries correctly: Jan – Jun 2009: To explain, I fell behind on payments in Jan 2009 & lots of fees were added by Barclaycard until June 2009 when they took money (minimum payment amount) from my Barclays current account to offset against the Barclaycard balance hence, a green mark in June 2009. Jul 2009– Mar 2010: Then as they added interest and more fees (from Jul –Mar 2010) this pushed me over my credit limit again until March 2010 when they again took money from my Barclays current account to pay the full balance on my Barclaycard. Apr 2010 – Mar 2012: I assume they kept the account open until March 2012 which is why I have a number of green payments for this period. Equifax Report: Right now my concern is my Equifax report. This shows a number of errors for Barclaycard, and frustratingly they are also showing inaccurate data going back to 2006: I only really want the most recent 6 years showing (from June 2009 onwards) as I don’t see why they should be holding data on record which is way older than 6 years. As they have recorded the payment markers incorrectly, if the report would show only the most recent 6 years then I wouldn’t have any late payment markers showing which is what I am hoping to do however, in reality it should show like the Noddle report with late payment markers in 2009/2010. I would like to find a way of asking Equifax to update my Barclaycard records to only show the most recent 6 years (green markers from 2009 as above) without worrying about Barclaycard reporting the correct dates (late markers) to Equifax and Equifax amending their report. Is there any way I can do this? Do Barclaycard still have the authority to ask Equifax to change the data even though it was so long ago, or do Barclaycard have to report it within a certain timeframe? Is there any way I can ask for the whole record to be removed due to the incorrect entries/dates? Should I approach Equifax or Barclaycard as I would like to try and get this done as soon as possible as I have seen a house I would like to buy? I apologise for the long post but its the only way I could explain it due to the complications, any help is really greatly appreciated x Imogen

Hello, I owe two banks just over £4k from long ago - it was the result of bank charges and excessive borrowing to cover those charges. At times it was actually the charges that caused more charges. Those two bank accounts are still on my credit file as defaults and as far as I know were closed some time ago. Both date just over 6 years ago. Because of those two banks and their charges my credit history was badly damaged, I tried borrowing from other companies to 'make it right' and pay it off but the snowballing effect has started and soon I found myself borrowing more than I could afford to pay, debts were piling up and I suffered two major breakdowns and am still battling with depression, anxieties and poor health. And still battling with poor credit history and debts piling up. My question is - is it still possible and doable to reclaim charges or some of the charges or to nullify or reduce the debt that I owe to those two banks. Many thanks in advance for any input on this matter.

I paid for parking via mobile and received a penalty notice for non payment. The appeal went to POPLA, and APCOA then agreed in their statement that they had received payment but not my vehicle reg. I stated that I entered my vehicle reg with my payment details. APCOA claimed that they sent me a separate text message asking for vehicle reg. They did not. I did however receive a voice mail from them saying that payment process was complete and I was entitled to park for 24 hours, so I assumed that everything was in order. (APCOA haven't denied this message). POPLA denied my appeal, the assessor stated that I hadn't entered my reg details (even though I disputed this) so payment wasn't valid. What did I pay for if it wasn't parking? I followed exactly the instructions communicated to me and APCOA didn't have any loss of income. I cannot understand the assessors decision.

Comparison sites accused over calls The "big five" comparison websites are directing callers to energy tariffs that earn them commission despite being asked for the cheapest deal - months after they faced allegations that they used similar tactics online, it has been claimed. Collective switching website The Big Deal has released recordings of phone calls and transcripts from last month in which it claims that all five of the biggest comparison sites - uSwitch, Go Compare, MoneySuperMarket, Compare the Market and Confused.com - failed to mention deals that did not pay them a commission. In the case of uSwitch, the difference between what it claimed was the cheapest deal and the actual lowest tariff was £60, The Big Deal said. http://www.dailymail.co.uk/wires/pa/article-2935857/Comparison-sites-accused-calls.html You can read the phone call transcripts here: https://thisisthebigdeal.com/blog/PCW-Miselling-Over-The-Phone Last October it was revealed that the price comparison sites were hiding the cheapest “switching” deals in favour of suppliers who pay them commission. Consumers were only given access to the full range of deals – that is, including suppliers who did not pay the sites commission for referring potential customers – if they unticked pre-selected boxes. Confused and MoneySupermarket have since stopped hiding energy deals, but uSwitch, Go Compare and Compare the Market still only show deals they make commission from by default.

Airline passengers hit with long flight delays continue to have compensation claims delayed or turned down despite a court ruling almost a year ago that was meant to have settled these once and for all. Rules state that passengers flying with an EU-based carrier or from an EU airport who reach their destination more than three hours late can claim up to €600 (£448) plus expenses, per person if the delay is within the airline’s control. Airlines can only refuse payment if the delay was the result of an “extraordinary circumstance” beyond their control and, previously, many had been claiming that routine technical problems fell under this definition. Yet a ruling, upheld by the high court last summer, should have changed that. It involved a claim by Ronald Huzar against budget airline Jet2.com for a delayed flight. The airline said there was an unforeseen technical problem, amounting to “extraordinary circumstances” meaning it did not have to pay compensation. Judges ruled against Jet2 and this was upheld by the Supreme court last October. It was hoped the ruling would clarify the strength of this common reason used to refuse a payout, but airlines continue to dig their heels in and ignore or contest the outcome. http://www.theguardian.com/money/2015/may/11/airlines-ignore-court-rulings-over-compensation-for-delayed-flights

Hello eyeryone, Im new here so I hope Im in the correct place to post. I had a small debt with HMRC. I was late in filing my tax return, I had moved house and during that time letters went astray. The first I heard of the late fees debt I paid it in full direct to HMRC. However, I am now getting harassing telephone calls, text messages and threating letters from a debt collection agency working on behalf of HMRC asking me to pay the very same debt I have just cleared. I have asked them to stop contacting me and told them that the bill has been settled but they still persist. They have threatened to call at my home and seize my posessions and take court action against me where all sorts of fees would be added. Is there anything I can do? HMRC account says my bill has been paid. Thanks for any assistance. juneberry

Hi GUys, I wonder if I can ask for your expert advice. Three years ago my cousin bought a washing machine (washer/drier) and 5 year extended warranty from an online website. In December 2014 the washing machine stopped working correctly (kept filling with water nothing else) so the warranty company was called and an engineer came out. On the first visit the engineer didn't seem very professional and actually flooded the kitchen and some water went into the lounger - didn't clean it up properly either. He stated he would need to order some parts which would take some time but they would make another appointment when they arrive. After about 3 weeks just before Christmas the warranty company called, parts have been received and to make another appointment. A different engineer came out, fitted some parts and tested the machine - same as before keeps filling with water. The engineer didn't seem very professional either as he spent a long time on the phone asking someone what he needs to do and it seems like he (they) checked everything in the machine. He stated they need to order some more parts which would take 14 working days as they are coming from China! Once they arrive they would phone to make an appointment. Towards the end of January they chased the warranty company and were passed around a few people. The person who they spoke to stated that the parts had been received but, the engineer who had them (who visited last) had left the company/run off with them!!! So the parts would have to be re-ordered from China which will take another 14 working days to arrive they would phone to make an appointment. My cousin had a bit of a rant at them that they have been without a washing machine since the start of December and they are a family of 4 and need to do washing 3-4 times a week and having to go to the laundrette and spending about £8 each time on washing and drying. The warranty company person didn't seem too distraught and stated that they would refund the cost of having to use the laundrette. But I then added what about the fuel cost of getting there and the time it takes - they just apologised and said that's all they can do. It is now 2.5 months since the washing machine stopped working and almost 3 weeks since the last contact with the warranty company - not heard anything further and the water is still in the washing machine since the last engineers visit. My cousins wife is at her wits end as she has now done around 74 trips (37 return) to the laundrette, spending over £275 on washing & drying + cost of fuel and time, as each trip takes half an hour - she has tried to combine it with other chores (school run/shopping/going to church) where possible, but when drying has had to wait or come back - additional trips & time. SO, can you guys advise what is the best course of action to take? Are there any rules/benchmarks for expected service under extended warranties? Will they really refund just the washing/drying costs of £275 so far? Is there an ombudsman who this can be taken to? Thanks, Mark.

I wonder if anyone from Renfrewshire is having the same problem. I have been waiting 7 months for my DHP application (to pay the bedroom tax) to be processed. I have contacted the office a few times by email and get the same response "we are dealing with many of these forms and your claim will be reviewed". I have also sent in a new claim for DHP starting this april 2015 and have still heard nothing. I successfully got DHP twice before but since the SNP announced they will be fully mitigating the bedroom tax everything seems to be at a standstill.

Hi In the last few days I've received a County Court Claim Form from a company called 1ST Credit (Finance) Ltd of Reigate which states my HSBC Gold Visa card debt was assigned to them last September. As I have now less than 14 days to respond unless defending the claim, is it worth opting to defend the claim and requesting a CCA from them to see if I can have the claim refused by the court? Or do I just have to accept a CCJ? Thanks in advice for any advice, Terry

Hello, At the end of September 2013 I sold a ford Ka and mailed the V5 to the dvla. I then left the UK in February 2014 upon finally unpacking the last boxes I have noticed that I did not receive a conformation letter from the dvla yet I have for the car I had up to leaving the UK. Is there anything I should do? should I contact the dvla asking? I do not think I have anything with the registration number on either. Thanks.

After getting my other half to go through a bunch of documentation, it turns out that she had a GMAC mortgage which was paid up in around 2008, and prior to this she was hammered with all kinds of charges for some time. After some searching around on the net, it seems that GMAC should have sent her a letter regarding the redress scheme in the wake of the FSA 2009 ruling on their unfair practices, but she doesn't recall ever getting any mail from them regarding this issue. I knew about the GMAC thing a long time ago, but myself and partner haven't been together long, and she had no idea until I asked her if she had any dealings with any of the companies that had been fined in the past. I gather that GMAC went pear shaped, and are now under another organisation (Paratus I believe), so is there any sense in starting the ball rolling through these people right now in 2015 ? I already battered Welcome finance on her behalf, which was a pretty quick and simple affair really, but I expect these Paratus people to be a more difficult process. The original redress telephone number has been discontinued ( 0800 030 4662 ), so I guess firstly it may be a matter of just contacting Paratus maybe Any thoughts anyone ?

Hi I made myself bankrupt in December regarding other debts (not specifically council tax). In October, the council issued a summary warrant for council tax. My advisor stated that I would not have to pay 2014/2015 council tax as the summary warrant was issued prior to bankruptcy and the full year would be regarded as a debt. I received a letter from council stating I owed £181 for the above mentioned year and I questioned this and the said it was for council tax for after bankruptcy. Does anyone know what is correct? Should it all be written off for the full year or not? Thanks in advance

Hi. I am currently going through with a DRO (debt relief order) and it's taking longer than I would wish, plus the guy from Citz Advice is not really helping at all. I get back tonight and 2 letters. One is from Collectica, saying I now owe them £215, £140 of the remainder of the fine and £75 for their BS fees. I have been paying this weekly, missed a week here and there but generally up to date, it was for a motor fine with courts. This is not in the DRO as fines can not go in dro. However the 2nd letter is off CCS Collect. Saying I owe upto £300 for variou HMRC stuff. This fine is in DRO. They have 'threatened' with action if I do not pay them etc. They say 'our clent hmrc has authed us to recover full amount due. we regret that if no payment in 7 days or an offer to pay etc we will advice cliebnt to litigate amount due with court costs and court fees. This is in the DRO so what's going on? Can anyone shed light on these 2? I have been working in the library on new business ideas all day and the last thing I want to come home to is this ****!

Evening all, I'm looking for advise on a statutory demand. Today I have had a letter through the door saying they have tried to serve a sta demand and will return on the 3rd Of October to attempt again, saying if I'm not in (which I won't be because I will be at work) they will post it and class this as served. Now I'm not sure what I should do next. I've not made any payment or acknowledged any debt for nearly 4 years but still quite a way from the 6 year limit. what should I do about the stat demand,

Hi When MBNA sell a debt on to a debt collection company, in my case Moorgate, should the original defaulted MBNA record stay on my file? I had two MBNA credit cards, both defaulted in 2011 when they sold the debts on to to Moorgates, (having not missed any payments!!) yet both MBNA remain on my credit file as closed in 2011. The Moorgate accounts are on my file as well, shown as closed Feb 2015 because I've just paid them off. Should these accounts be duplicated? When First Direct sold my debt to Arrow Global the First Direct account disappeared. Thanks you

If I lose my season ticket (not oyster) and report it, will it still work if someone else finds it ??

An old old debt has come back to haunt me. For the record, I have not responded to the debt collection agency (DCA) and have at this stage, no intention of doing so. However, if this is the 'debt' I think it is, it seems to have been purchased by another DCA. The last correspondence I had with the previous DCA was, I think, over 10 years ago. What I need to know first is this. Is an old judgement (probably 1998/1998) still enforceable even after years of no-one chasing it and even if another debt collection agency has purchased the debt? What I then need to know is this. Can I request the court to set aside this judgement given the following facts: Firstly, the previous DCA never sent me notice of going to court - and I mean I had no knowledge of the CCJ before it came through my letterbox. This was 1998 or 1999 if memory serves - I can't remember exactly but that feels about right. At that time I had no knowledge of debt collection guidelines or that I could have gone back to court within 30 days to request a set aside. Anyway, I did start paying as per the CCJ but it became impossible to keep up. So in the early 2000s - I can't remember exactly - I managed to get the court to reduce the repayments on the CCJ to £1.00 per month. The DCA was furious, became abusive, and continually threatened to go back to court. As far as I remember, they never did. However, eventually I sent a series of letters asking them to write off the debt as there was no realistic prospect of my ever repaying it in my lifetime at £1.00 a month. They repeatedly refused. Eventually I wrote saying I would no longer be paying the £1.00 per month and I invited them to take the matter back to court where I was happy to argue my case including that they had not had the courtesy - as per debt collection guidelines - to inform me they were going straight for a CCJ. I heard nothing more from them and as time went on I thought no more about it. However, I have now received 2 letters over the past 6 months from another DCA (the latest yesterday) and the amount of the debt appears to have doubled if not tripled. Their approach is that they are 'aware' that this account is subject to a CCJ but it is their aim to agree an affordable and flexible repayment arrangement etc etc. I have not responded and have no intention of doing so. Given that I am now retired and on a basic state pension and in receipt of guaranteed pension credit, my circumstances are the same, if not slightly worse than they were when I wrote to the former DCA telling them I would no longer be able to pay the £1.00 per month. The next question therefore is, do I keep ignoring this new DCA or do I stand any chance of getting the court to set aside this judgement based on the fact no-one has chased it for 10 or more years? Alternatively, what advice can anyone offer? PS: I think that once a CCJ is in place that one cannot argue statue barred even though it's well over the 6 year period. Thanks for your time.

I find this totally amusing. About a two weeks ago I sent further letters to my Creditors, one of whom is Nat West Bank, the following week I get a knock on the door from two local police. I had no idea why they were calling but eventually they said Nat West had contacted them and asked them to visit. Why, you may ask. Well, in the letter I said that the debt was making me feel so stressed, depressed, etc., that I felt suicidal. After chatting with the police for a couple of minutes, they left; as they went through the gate I said: 'See you next week then when you come back to check I'm still alive'. I should say I have been paying £1 per month on a regular basis to each of my Creditors for the last year or so. The letter was an update on my situation, and I have to say that of the two banks I owe money to Nat West have been the worst and most aggressive in their approach. Still, I was able to see the funny side of this. I should point out that I am definitely NOT suicidal, I am just fighting their way, by giving them something to think about in return for their aggressive stance. For those interested, or having similar problems, here is the guts of the letter I sent, please note that this was the first time I asked them to consider righting the debt off; but doubt they will - worth a try though. Also, the debt charity StepChange have been very helpful to me, as has this forum. Fight on folks! -------------------------------------------------------- Dear Sir/Madam I am in financial difficulties and not able to meet my normal monthly payments. I will make a monthly payment of whatever I can afford until more money is available. I have enclosed my monthly budget and a list of creditors. After paying my household bills, I can pay you £1.00. I will pay this each month and tell you when my circumstances change. Please consider reducing or stopping interest or any other charges on my account to help me during my financial difficulties. NOTE: I have a long history of depression and am currently taking medication for this. The stress of all this is causing much distress, depression and panic attacks, leaving me feeling suicidal. Please be advised that I will only communicate with you in writing. Furthermore, should it be your intention to arrange a “doorstep call”, please be advised that under OFT rules, you can only visit me at my home if you make an appointment and I have no wish to make such an appointment with you. There is only an implied license under English Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc., (Armstrong v Sheppard & Short Ltd [1959] 2 QB 384. per Lord Evershed M.R.). Therefore take note that I revoke license under Common Law for you, or your representatives to visit me at my property and, if you do so, you will be liable to damages for a tort of trespass and action will be taken, including but not limited to, police attendance. Yours faithfully

Hello A PDL company issued a claim against me on MCOL in early March. I acknowledged service, and admitted part of the claim,and put in a defence for the rest (the biggest part), within the time limit, and put in financial details to ask for time to pay. (I am on a DMP which the PDL wouldn't accept) I've tried to log back in today to see if anything is happening, but there is no longer a link to the claim, and if I put the Claim Number and password in the boxes, it just comes up with the message "claim number or password is incorrect" Is this normal at this stage of the process? Should I still be able to view my details? Are the PDL company expected to respond to my defence, or does it go straight for judgement? How do I find out the result? Does it come in the post? And normally what timescale? Thank you in advance WHT

I could really do with some help. I am at my wits end and banging my head against a brick wall. I need to know who I can go to legally to help me with this as I have no confidence that I am going to get anywhere through complaining directly to Student Loans Company. I enclose the complaint letter I sent below to SLC which should give you a good idea of what the issues are: I write to complain about the shocking level of service I have received over the past 5 years and the fact that you are still taking repayments despite the fact I paid my loan off years ago. I first complained in 2010 when I noticed that deductions had started to be made for student loans once again, despite the fact that I know I had paid this off in about 2007. (I went to Uni 1998 - 2001) I worked for the same company from 2002 to 2007 and during this time earned more than enough to pay the loan off – I was earning between £50k and 90k at the time. I remember calling the loan company 1 year before it was paid off and working out with you how much was left so I categorically know that I did pay it off, and indeed made a few months of over-payments. In 2010 when working for a new company, I noticed on my pay check that student loan deductions had started to come out again so I called you and was informed that for some reason, for tax year 2004 – 2005 and 2005 – 2006 there was no records at all from HMRC about deductions. I looked through my files and sent you through what payslips I had which clearly showed massive deductions for both of these tax years, one of these pay slips is from the end of tax year 2004/05 and shows the accumlative amounts of what I had been paid that year and my tax deductions - i was confident from this that you would therefore be able to work out what student loan contributions I had made. Not long after I left work and fell ill and didn’t work for a few years so obviously wasn’t paying any student loan deductions and it became something I didn’t worry about as I had my illness to try and recover from. I have recently started working again and noticed once again these repayments being taken. I called up and was told that the amount I owe has reduced as finally, 7 YEARS after, HMRC have finally submitted info for tax year 2005/6 – so here is evidence that the system doesn’t work as this should be submitted the same / following year and has clearly been lost in the system for 7 years. I have now been told that the only way you will do anything is if I can provide evidence to show the payments made. I am astounded by this for the following reasons: 1) It is not my responsibility to inform you of what payments I have made – this falls to my employer, HMRC and SLC. 2) The fact that I don’t have every payslip from 10 years ago should not make me accountable for the fact that you don’t have the information and therefore I will have to keep making payments 3) It is clearly your system that is flawed and its fundamentally wrong that I am a victim of that. YOU should do something to improve your system and rectify the error that has clearly been made on my account. 4) All of the evidence that you do have – the payments I made in preceding and subsequent years plus the 3 payslips you do have for tax year 2004/5 all point towards the fact that you are missing information NOT that I haven’t made repayments. It is also abundantly clear that the amounts I have paid show that the missing amounts would more than pay off my loan. Again, this is YOUR fault and I should not be made to pay for this. TO make matters even worse, the employer I had in 2004/5 is no longer in existence so I cannot look to them for answers either! My financial situation is vastly different from that of 10 years ago. My illness caused me to not be able to work and as a result I had to go bankrupt in December 2014. Clearly, having loan deductions wrongly taken from my pay currently, is having more of a negative impact on my life when I am doing my best to recover from what was an awful time for me. I now feel like I am in a nightmare because neither you nor HMRC are willing to take any responsibility for your errors and the only person this is having a consequence on is me. Your system of compulsory payments is flawed and unethical because regardless of the fact that it’s your system and processes that are flawed , it is me who has to continue making payments and you seem to be quite happy with this! It should not be my responsibility to give you evidence of my payments when the system has never demanded this of me before. Clearly if I had known I should keep payslips from 10 years ago “just in case” the organisations I have trusted with my money really mess up, then I would have!!! I will be taking this further and seeking legal advice, I have also approached BBC Watchdog who I know have already investigated similar stories to this. Finally, I am disgusted by the lack of customer care – in that I have contacted you numerous times over the years and 5 years on, I am no further on, and not once have I received correspondence from you on this matter – it has always been me who has had to contact you. You did not even have the courtesy to inform me that you would not be doing anything further on this as HMRC couldn’t provide you with any evidence. If I had not called today, I would have only realised this to be the case when another deduction inevitably comes out of this month’s pay check. I have been asked to resubmit the evidence I sent to you in 2010 (which for some reason only went on to your system in March of 2013 – 3 years later) which I will do this weekend. I trust it will not take yet another 3 years for it to be considered and look forward to hearing from you soon." Can anyone point me to anyone who could help?? I have worked out that they must owe me at least £3k and still continue to take money from me every month. Is there any way I can stop the payments from happening until this situation is rectified?? Surely they just cant keep taking money when its blatently obvious that the mistake is theirs, not mine?? Please help!

Hi guys, here's my situation: I closed my business down last June and cancelled my telephone & broadband contract with BT, no problems there thank god. Anyway, they have asked for a £44 payment for Netprotect or something. I'd never heard or used this service, but they said that it was taken out when I set up the phone/broadband. My wife explained to them that surely if we have cancelled the phone and internet in June last year, how could we use the Netprotect? They say that it can be used on any PC anywhere. My wife also asked why they didn't mention it when we cancelled last year, but BT said that they were not obliged to and assumed that we wanted to keep it. My clever wife also asked for (and received) a copy of the transcript of her conversation. So, where do we stand, do we just pay it to avoid damaging my perfect credit rating? Many thanks in advance.

in November of 2013 I had friend contacted and asked if I would purchase a computer for them as I am in the trade and get a better deal, they transferred the money to my Barclays account, I checked it was there and logged on to my supplier portal to purchase the PC. After selecting the model my friend wanted I entered my debit card details and was surprised when it was declined! I logged back onto the bank app and my account was empty, I phoned Barclays and asked what had happened and they said that there was a number of debit card transactions on my account taking all of the money, I complained and the money was returned to my account and I purchased the PC. A week later I received a letter from Barclays with a form to fill in on whether or not this was fraud, apparently the money was taken by a Payday loan company I have never dealt with for a loan I never had, I filled the form in and sent it back. A week later the money was again taken from my account. I contacted Barclays again and they said the Payday company had contacted them and said that their records were correct and therefore they were entitled to the money - so Barclays gave them it. I raised a complaint with Barclays and received a case number, I was told this would be handled and I would receive a reply within 28 days, 28 days later I received a letter saying it would be another 28 days and 28 days later another letter saying another 28 days. Eventually Barclays wrote to me and informed me that they had examined the complaint and ruled against me, I then contacted the FOS who took the case on, they contacted the payday loan company and Barclays and found that the loan was taken out but the address, DOB, full name and various other details were incorrect, the Payday loan company had passed these details to Barclays who checked them and found the details to be incorrect but STILL found in the Payday loan companies favor! At this point I had already changed banks to RBS (no better) and Barclays had put a default on my credit file as I was overdrawn by the £536 stolen from me. The FOS found in my favor yet Barclays asked for it to be escalated to an Ombudsman who found in my favor and ordered Barclays to put it right within 30 days, 30 days later Barclays returned the £536 to my account and that was that. This has left me very annoyed that they have gotten away so easily when I have had to fight for 13 months to get a result, is there anything else I can now do? Barclays are refusing to remove the credit file information and don't have to reimburse me for anything. They continued to say they were right all this time even when, by their own admission they knew the details were wrong! Can Anyone advise? Jayce