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

Hi everybody. Love this forum and thank you so much in advance for any help. I've tried my best to dig deep here and elsewhere as to make this as easy as possible for you to advise on. A bailiff took my car this morning for an unpaid moving traffic PCN with an overall fee of £513 for release. The PCN was sent to my old address days before I moved house. I appealed from the new address (putting my new address on the form) and followed up via email (again informing of my new address) to ask the status of the appeal and received no correspondence. I updated my driving licence with the DVLA days after the move but – as seems common on this forum – not my V5C (which I have done now just two weeks ago but not at the time of the PCN or subsequent appeal in October 2017). I have downloaded the PE2 and PE3 forms to take to Barnet County Court tomorrow morning (I booked an appointment for 10am) to have witnessed and then sent to TEC. I would love any feedback on the below proposed PE2 statement for "reasons" and also any insight as to what might happen next. Does it look all right? I was half tempted to pay the £513 as I use the car a lot and it is of great inconvenience and obviously I wouldn't like it sold. I gather regaining the funds (if I'm entitled to them and if the appeal is successful) is quite lengthy. Any idea how long it might take to regain the vehicle with the PE2 and PE3 process? Do you think it likely the PE2 reasons are satisfactory or do I not really have a case and should just pay up? Thanks so much for taking the time to read this and for your help! "Dear Sir/Madam, I have been unable to submit a statutory declaration in the normal time allowed because I did not receive a rejection notice and was unaware the PCN appeal had not been accepted until 31/07/2018 when bailiffs removed my vehicle. I made representations about PCN xxxxxx within the 28 days of the penalty charge notice (on 11/10/2017) but did not receive a rejection notice. I made the representation after moving house from xxxxxxx to xxxxxxx on 30/09/2017. I have attached my tenancy agreement as evidence. On my appeal document I stated my new address (xxxxxxxx). I also updated my driving licence with my change of address with the DVLA on 4/10/2017 shortly after moving. I have attached the updated driving licence as evidence. Additionally, I contacted Barnet council twice requesting an update on the appeal and informing them of my change of address (I have attached screenshots of these emails). Unfortunately, it seems that the relevant statutory documents were issued and delivered to my previous address. Had I received a rejection notice – or any other correspondence regarding this matter – I would have accepted the rejection of the appeal and not hesitated to pay the balance requested in a timely fashion. I look forward to the opportunity of addressing and settling this matter of the original PCN. I politely request this time and consideration on the grounds that my original representation included the new address of xxxxxxxxx, that I did not receive a rejection notice and was unaware of this situation until 31/07/2018. I enclose copies of my tenancy agreement, driving licence, v5c logbook and emails. Thank you kindly, "

Hi and firstly thank you for this forum it is extremely helpful. My Dilema. South East water debt equalling £2000 went to court enforcement services March 2017. I arranged a payment plan for the 16th of each month of £20 and have paid every month. This month I paid on the 19th due to a payment taking time to get to me and thought all was ok as the online payment went through fine. This morning 2 HCEO officers called and clamped our car. I will fill you in on the car, last month on the 28th I sold my car to my Limited company as it was costing too much to run it so thought if the limited company owns it, it can pay road tax etc.. with us only paying tax on it. Obviously we have the green slip and also a receipt to the limited company. The value of the car is around £1900 BUT it was a previous Cat C and has a bit of a noisy engine and some dents down one side so after assessing online thought I would sell for £450 to the company as I just thought it would be better as a company car and the online values was not far from this amount anyway. I advised the HCEO of this and showed them the green slip and a receipt of sale (was paid cash) and even offered them the cash from the sale but refused. They said as there was a Writ that my wife should never had sold the car in the first place but have never seen the car nor no warrant of control placed upon it. They also said they could sue her for selling it. Even after notifying South east water and CES they still took the car. Should they have taken it? is there anything I can do? Many Thanks in advance.

I am beyond mortified. I am in the middle of a very turbulent time in my life, my depression is all over the place . Today I had period pain, I went to Sainsburys to get some medication. The pharmacy was closed. I hovered in the section for ages before I STUPIDLY decided to take the medication off the shelf of the closed pharmacy. I then panicked and left the store. I wasn't stopped, but they would definitely have me on camera taking the medication from the closed pharmacy. I don't know if it is clear I still had it in my possession when I left, but they may also be able to see my car registration. I am freaking out. I want to go back into the store and return the items and profusely apologise for this out of character behaviour, but I also know this could give them a reason to press charges... Someone please give me some advice, I am a wreck. The pills cost about £2.60 if it means anything...

Firefighters have warned of the dangers of mishandling tools after a man's genitals became trapped in a ring spanner. Crews were called to assist A&E staff with a patient at Royal Gwent Hospital in Newport, south Wales, on Wednesday. They had to use their cutting equipment to remove the steel tool. https://uk.yahoo.com/news/firefighters-free-mans-genitals-spanner-145900336.html

A description of the issue : Barclays bank agreed to make an international transfer GBP 65,000 from my current account to an overseas property developer . ( my wife and I were buying a small flat and had already paid a deposit on it). Barclays did that in the branch and gave me the proof of transfer. Next morning I checked on line and found that the transfer had not gone through. Instead the balance of my current account from the previous day ( GBP 69,000 ) had been taken out with a description “TO RECONCILE” and so my balance was now zero.

Apparently he had repeatedly asked how much he had been overpaid/overclaimed and he never received a response. He was terrified that he would be £thousands in debt. Another tragic victim of the benefit system http://www.mirror.co.uk/news/uk-news/coal-miner-took-life-after-10477308

Hi All, Firstly, apologies if something like this has already been discussed. I have seen similar posts but I think my predicament is slightly different...it's a long story but I hope that some of you will take the time to read it and have some advice for me... So, some years ago, in my clearly very naive and gullible early 20s, I met my ex husband. We got married in 2010 when I was 23, less so because we thought it was the best thing to do, more so for 'financial reasons'. About 6 months before we got married, my ex had started to have some money problems and I noticed some unauthorised transactions on my credit card totally about £800. The transactions came under Victor Chandler and I reported them to my bank's fraud department. On learning that I had done this, my ex decided to tell me that I needed to withdraw my claim to the fraud department as it was to do with him and he could get into a lot of trouble! (He's in the RAF and works in the armoury...I believe being in debt and having gambling problems would be something that's frowned upon in his position...). He explained that he had used a online gambling site to 'transfer money' as he needed it to help his mum... the story was more elaborate and seemed to make more sense at the time.. .anyway I was young and stupid and decided to give him the benefit of the doubt and believe him. I suspected he had a gambling problem, but every time he'd spin me a story and I stupidly tried to believe him. As things progressed, I buried my head in the sand and we got married and as soon as that happened, everything went from suspicious to disaster... The guy had all my bank details, all my personal details... he memorised my bank account numbers and card numbers off by heart! He'd put on a girls voice and call up my bank pretending to be me and all sorts. He took over my accounts completely and in a bid to stop me from finding things out he'd stop me going online by tampering with the phone lines, etc. One day I found he'd taped a small piece of clear tape over the phone plug so I could check my bank online or call them! My life and my finances got to the point where I was working full time and each payday, as soon as I had been paid, literally within an hour all my available funds would be gone. My bank statements from the period which I was with him are just full of transactions of money (mostly) going out and coming in from various online gambling websites. . Despite my feelings deep down and my instincts telling me everything was wrong, I tried whatever I could to just stick it through and hoped he would change and everything would eventually go away! I mean, he went to such lengths to prove to me that things were being sorted...! By May 2013 I finally decided that I was not going to take it anymore. I wasn't going to let him continue to ruin my life and I left him. We separated in May 2013. I moved back to Hong Kong for 8 months to get away from him and stayed with my parents. During this time, my ex husband and I still had some contact as I was still having major issues with my bank and I was desperate for him to sort it out so that, even if I couldn't get any of my hard earned money back at least the black hole of debt would stop getting deeper! Eventually, he told me that a solicitor had managed to get some money back for us, but it was being paid into my account via a payday loan company. As I was out of the country and wasn't up for speaking to him much I didn't pay too much attention to this. Some money did appear in my account from a payday loan company, but the money soon disappeared again. I thought it was just the same old same old. It wasn't until some time in 2015 when I had returned to the UK and got officially divorced from him that I found out that the money that went into my account was in fact a payday loan that he had taken out in MY name. And here in my predicament lies.. .the loan was taken out online, so he used all my details and signed electronically and the money did indeed go into an account that belonged to me. The money then left my bank account going to various gambling websites, and I'm taking a wild guess that all of those accounts to all of those gambling sites were probably in my name as well. This is a debt that I don't feel I'm responsible for at all after all the punishment and the financial ruin he's left me in. In the time I was with him I lost ALL my wages plus some money my parents had gifted me in the hopes we'd settle down and have a decent deposit to put on a house. All in all, I would hazard a guess at losing somewhere between £60-70k in the time I was with him. Not to mention his own salary on top of that! But, now I think I'm stuck with this loan of around £1200. I am now being hounded by the PRA group who have bought the debt off QuickQuid and are sending me letters saying that I need to pay them. I can see on my credit record there is a default against my name under the PRA group for this unpaid debt. It's causing me a lot of stress now as I have finally settled again, with a most amazing man and we are expecting our first child together and would like to purchase our first home but my finances are making me very uneasy. In all this time, I have never contacted the police as I did what I could to try to come to a civil separation from him. I didn't want to get him in trouble as I wasn't sure if it would affect his job and whatever ill feelings I had toward him I tried to stay fair and settle things with as little trouble as possible. Seems though, that the only person suffering is me! Is it too late to take this to the police now? Have I left it too long? My ex husband, to name the things he's done.. .gambled our entire marriage, made up solicitors and created fraudulent email trails. He's taken money from me that should have gone into my bank and brought me home a 'receipt' of paying it in to my account then turned a story about how the money went into the 'wrong account'. He's taken out numerous loans in my name. Opened up accounts to gambling websites in my name. He moved into military married quarters after we were separated using a marriage certificate that was no longer valid, ran up trespass charges for a late march out and slapped me with a bill of nearly £1500! He'd steal my purse... I've never lost my purse in my entire life.. .in the 3 years we were married I managed to lose it THREE times AND every time it's miraculously turned up back on camp.. .minus the couple hundred pounds emergency cash I had in it! He cheated on me. He's even lied to me now about his current girlfriend being sexually assaulted and suffering panic attacks because of it. ..and his poor girlfriend. ..he steals money from her kids...! I apologise for all the excess info and I understand it's all a bit jumbled. I just find it extremely difficult to put what he did to me in words but felt that some background on all the things he got up to might help me get some advice... Thanks.

I placed an order with Parcel2go via MyHermes on 20th July. I dispatched the small item on economy service which I would assume 3-5 days max. My Ebay customer started ranting and set up an issue that he didnt receive the item after 5 working days. I tracked it and sent a copy to him and contacted company that assured my parcel would be delivered within 24hrs. after 10 days my customer refused to accept the parcel in annoyance 1st August. I assumed the parcel would be returned to me. I checked yesterday and it states that its been signed for. This is now the issue I have contacted Parcel2go and they want me to pay again to have the parcel returned to myself???? In the meanwhile Ebay have sided with the customer and refunded the item and the postage however I am left is debt now as the tracking states - endless excuses why it wasn't delivered. I have have now had money withdrawn out of my account and the parcel is in the hands of someone who can prob resell the item - surely this is illegal practice as it hasnt been delivered. Is it worth complaining and threaten with small claims?

Hi, on 25th I was taken 244,61f from my account by Direct Debit from O2. They said it was mistake but I know people that was edited like that before. O2 said to use Indemnity Claim (firstly they said they are refunding me but after few chats they said they didn't - pure edited). I contacted Barclays like 5-6 times. Everyone edited or ignores the matter. I have proof on chatts that different customer service write that indemnity claim is succesful and I will get my money back but after 2.5 days I don't have nothing. I have just called on barclays helpline and some guy edited told me that they need 2 more days (he didn't even check anything). I told that I want to speak with Branch Manager - he told ok and put me on hold and then he disconnected !! I have a problem because now I am abroad - normally I would go to the bank and won't leave without my money. Just a good thing I know now that Barclays are edited same as O2. Never go to them. I am taking my money from their accounts as soon as I can. What should I do with 244,61f - should I sue them? Barclays as an UK bank is obligated to use in this matter DD guarantee - and I should get my money asap. Tomorrow I will propably call a lawyer and will see how it goes from there.

Hi, I was taken to Court by NPower about 2 years ago for a utilities debt of around £750.00, i was allowed to pay it off in 3 monthly payments which i did, a couple of months ago i got a letter and a refund of £282.00 and an apology for the delay in spotting that i had been overcharged. the annoying thing is, that if the original debt had been £282.00 less i could have borrowed the money to pay it off and avoid getting a CCJ. Can a CCJ be removed if the company later realises they made a mistake? thanks

Hi, my balance was £6,700 on my MBNA credit card and paid £4,409 which made my new balance £2,224 owed. My direct debit then paid the minimum of £67 which should of then made my newer balance £2,157 but this did not happen, instead, my balance owed went from £2,224 to £2,291, adding £67 to the debt rather than deducting it. I'm currently in a interest free offer and I have not used my card. This has never happened before, it's strange.

Thank you to all who contributed to this forum. I have worked my way through as many post as I can, and it has helped me to calm down since getting cautioned by an inspector on the tube. It was very distressing for me and really affected my day to day activities for the first 48 hours or so. The letter that I had been expecting came today and one thing that struck me was how it does not ask me to comment on the incident. It merely asked me to fill out the form on the reverse side. It reads: 1. If you deny committing an offence, please explain why. Please note, xxx fare evasion offences are ones of strict liability. This means that a mistake or accident is not a defence. The fact you were on a ttt service without a valid ticket or pass is normally sufficient for a conviction. 2. If you accept committing an offence, please provide any exceptional reasons, including evidence, as to why ttt should not proceed with a prosecution. The whole episode was quite distressing when the inspector came. I wasn't expecting anything wrong and quite happily produced my card. Earlier that morning, I couldn't find my normal oyster card (which has a photo) and having emptied my bag, dug up another oyster card, I then picked up a friend's card (not photocard) on the table by mistake (which I realised only on hindsight) , which had a young person railcard loaded on it. However it strangely contained also another discount, but we do not know what it was (because my friend had asked me before what discounts are available). In any case, when asked about the discounts on the card, I panicked because it was only then I realised I took the wrong card and I acted as if the card was my own, and told them there's a young person railcard and possibly another thing. The inspector then asked if I had any photo ID to prove the second discount, but I didn't even know what discount was on it I was even asked by a different inspector how much I paid for that card. So they suspected me of fare evasion because of the second discount and then interviewed me under caution, and I told them everything I knew about that card, but I acted as if the card belonged to me (I still don't know why I did that). I am an international and so I'm very worried about losing my visa. My normal oyster should contain details of my travel history and the frequency of topping up, but I'm now not even sure if I have accidentally picked up my friend's oyster card by mistake on the days I could not find my normal oyster card (I don't travel on the tube every day). My friend says he doesn't think the card is registered as he doesn't have any log in details to check that card. The fact is that the card I used that day was invalid so I can't choose option 1. But what should I write?

Good morning All, Birmingham city council bailiff came to my door on Monday morning after clamping a car outside. AS of the end of March this year I owe £35 council tax balance from last year and have not even received the bill the new financial year yet. I pay my council tax on monthly basis by internet transfer. I have had contact with Equitax for a few years now and have spoken to them on number of occasions and explained that I really don’t owe the council anything. They usually stop contacting me for months and then start again. Basically, the bailiff said that the count was handed over to them ones in 2014 and 2015 and that I should have being paying them and not the council so now he want over £700 in their charges. I have lived in this house since 2000 and have always paid my council tax be it with some straggle but I do pay it, so I don't understand how the council can hand my account over to equitax when I have being paying. I went to the citizen advice service yesterday and they told me to write a complaint to the council. I have also read few forums posts to figure out what to do but I am at lost at the moment. I'll be calling the council this morning to try to find out how this happened. Any advice will be much appreciated. Thank you

Hi all, Wondered if you could give me some advice. I was in Grahame Park in Hendon today and needed to pop to the Sainsbury's local store. There was a lay by to the side of the store which had cars parked in it already and I pulled in, was just about to get out of the car and a bloke walking past said "Don't park here mate, its a loading bay and they are taking pictures of the cars". I thanked him and got back in the car but as I was pulling out into the traffic, a woman appeared and took a picture of my car and the registration plate. I went back there later (without the car!) and fair enough, there are 4 signs up but they are at least 10ft in the air and the wording of them is tiny, there's no way anyone could read them without getting on top of them. They say the usual about agreeing to pay consideration in the form of a parking charge, £100 and £60 if paid within a time period etc. I must have only been there for about 3 minutes at the most and there was no ticket put on the car but what do you reckon I should do? To make matters more complicated I've only just moved and the car still registered to my old address! Any advice would be much appreciated, Thanks

So to cut a long story short I part traded/took finance out on a car with outstanding finance on it about a month or so ago. The car was used and had some work needing done to it which was arranged with the dealership at the time. I have since put the car into the dealership and it was sent to a garage nearby to have works completed. I have been contacted today by the previous owner who still has outstanding finance on it and they have collected said car from the garage it was being serviced at. So if you look this car up on the AA website it has 2 finance agreements against it, one from a year ago and mine from last month. My worry is that the car I part traded in towards this vehicle is going to be lost on top of the fact I have an agreement against my name. Who has rights to the car in this situation? The previous owner hasn't been paying for the vehicle supposedly (according to them) and it would seem that she traded this in to the dealer, I assume with the intention of the dealer paying the finance off? Any advice would be appreciated, I am absolutely furious at this dealer. I should add that I was not made aware of any outstanding finance on this vehicle or that a key was with a previous owner even. - Joppsta "Motor Base Dyce" brings up the company, can't post links but it's the first result in Google. This is the company in question, looking at the website I should have a warranty "Will my new car have a warranty? Your new car will have a 3mth/3,000 mile warranty whichever occurs sooner, (unless otherwise stated). You can choose the level of cover you require. Basic cover is provided free of charge." But what this warranty entails is something I am unable to find so far.

Hello Consumer Action Group members, I have been suffering from a mix of problems since last June. Long story short: Summary: 1. I purchased a laptop from Amazon, from a reseller. 2. Laptop's motherboard broke down, and I found out that I can receive a refund/ repair free of charge. 3. Amazon's seller (located in the US) agreed to fix the laptop, and provided US address 4. Sent it via ParcelForce, Amazon reseller cut down every means of contact and I have no clue where my laptop is. Hello everyone, AMAZON I purchased a laptop from Amazon, from a reseller. I needed a new laptop for many years so I decided to invest a hefty sum for a good laptop. I purchased the laptop, and within 2 months, I found out that its motherboard was broken. In order to get a repair, I contacted Amazon support team and they gave me the email address of the reseller. I got the email and I contacted them swiftly. They were based in the US, and told me to send the item to United States. PARCELFORCE After I received their instructions, I sent it to their US address immediately. After a week, I contacted them whether they received it, and the Amazon reseller cut down every means of contact immediately. In vain, I contacted Amazon whether they can assist in the repair. After checking my ParcelForce tracking, I found out that it is still in the depot and the reseller refused to pick up the item. This entire process took two months. Then I found out that there is an option from my Santander bank, which allows for a chargeback service. I contacted Santander and they agreed to look into my case, which took another 2 months (because I was in Korea at the time, and they requested a letter which is sent by post). Now it's October. I contacted Santander again and they told me that due to a mistake from their reps, they told me the wrong timeline and I will not be qualified for a chargeback service. This got me nuts. I contacted Amazon and Amazon refused to handle the case and every one of their reps stopped replying to my emails. I considered the last option, and I contacted Parcelforce to send me my item back. They told me that I should apply for the loss of an item, because they cannot track the item anymore. I did exactly that, and they rejected my claim because I should have applied for the procedure within 3 months. Now I am really angry. Every one of these corporations told me blatantly wrong information and now I am left with -1352 pounds in my budget, huge drain in my time and energy. What should be the next step that I take? Please assist me in the process, that would be incredibly kind of you folks. Best wishes James1738

Hi everyone. I have read a lot of your posts and want to thank you all in advance for the contributions made on this forum. It is incredibly helpful and am grateful for what I have read already: I worked for a company in Jan 2010 - April 2011 selling vehicles. I was a trainee for Jan, Feb and March 2010 not supposed to sell cars. My shady Dealer Principle asked me to sell in March and verbally told me I would be paid in front of everybody also there. Along the way he even used my good performance to motivate the rest of the team. This was my first job ever full time under contract & handbook in a proper place. In March 2010 I outsold the team (I needed the money for my father's treatment and he KNEW this!) and when it came to March 30th he told me that there was no commission sheet for me and that I wouldn't be paid. I was so angry because I had worked 7 days a week to do the best I could. Should have been about £4900 in commission for 23 cars sold. In April 2010 I had a letter this time saying I WILL benefit from commission in writing, but it was not paid to me again. There was a complaint from a customer so the Dealer Principle said to me again that I would not be paid for the whole of April (around £4700). It is in writing in a letter! He demoted me to trainee for 3 months. In May 2010 (21st) he changed his mind and had me start selling again back to Sales Executive. I sold 9 vehicles earning £1489. This was paid to me in the June payrun. I got a letter stating the change back to Sales Executive but as of June 1st despite this payment of MAY commission being paid to me in June 2010 (on time). I wrote to them as I now know I can claim money back even at this time... and they have said in a letter that after completing an INVESTIGATION... I can only ASSUME that the payment of £1489 is for April and it was paid late in June's payrun (no payment has ever been late). And that because I was a trainee, I was not entitled to be paid for March 2010 at all. I have evidence of what I sold, who I sold it to, the letters stating I will be paid, my bank accounts, my payslips showing I did not get paid, First letter, second letter even showing the breakdown exactly of who, what and how much sold for. Do I go straight to a Letter Before Action? The last letter says "I confirm receipt of your letter dated 7 October 2015, written in response to my investigation findings. As Per my letter of 24 September 2015, it is my findings that no commission is due to you". He has basically given me a corporate hands over his ears. He didn;'t even acknowledge any of the evidence I gave in my previous letter at all and is closing the door shut despite it being a very clear case.

Hi Me and my boyfried went into Mercedes last Friday, after spending almost 3 hours there we found a car (used 2 years old) we loved so we paid our order deposit of £500.00. We then left the garage expecting a phone call in a couple of days to go in and sign the finance papers and confirm when we can expect to pick up our new car as it would have to be delivered from one of their other garages. Later on the Friday we got a phone call to say that someone else was going to view the car on the Sunday who then bought the car. Mercedes now cannot find a car the same as the one we put our deposit on. I thought that the car was ours and that we entered into a legally binding contract when they took our £500.00 deposit as our order deposit. Can anyone else advise please?

I'm not sure if this is the correct forum, please feel free to move it if not! I had an out-of-warranty iPhone that needed a battery replacement. I paid for the work online with my debit card using Apple's support site. A hold was placed on the money in my account. While I waited for them to send out the pre-paid box to return the phone, the hold on the money was removed, presumably because the work had not been completed and could not yet be charged. I left the money where it was because I knew it would be taken later. I returned the phone and was contacted via email by Apple who said they'd found something else wrong with it which would also need to be repaired. They attached a photo of my phone that supposedly gave details of what the new issue was. It didn't give any clue as to what the problem was. I called Apple, who were equally puzzled and couldn't get any information from the engineers. At this point they told me that they would cover the full cost of the repair - not just the mystery defect, but the original battery The phone was returned within a week, fully repaired, and I was a satisfied customer. Six days later, they took the money from my account despite being told they wouldn't. This put me in a position of having an unauthorised overdraft, with a direct debit for car tax due out the following day. I rang Apple immediately who were most apologetic and promised to refund the money. However, it would take up to 10 days for the refund to appear in my account. I told them that I had direct debits to pay and it was going to cost me money in charges if they bounced. They told me to call back when the charges had been paid, to look at claiming the value of the charges back from Apple. I then called my bank. There was nothing they could do. They put me through to the Visa team, who said the same - as a refund had already been started, they couldn't do anything. I called DVLA (the car tax direct debit was due the next day), who were, surprisingly, the most helpful out of everyone. The unauthorised overdraft happened over the end of one monthly charging period and into the start of the next so it was two months before I could pay the charges and look at reclaiming them. I called Apple today regarding this and they simply weren't interested, claiming they weren't responsible. They said that they'd already refunded the money and they weren't going to pay for any charges that they'd caused. The charges are only £30 but that isn't the point. I believe that they were caused as a direct result of Apple's error. If it hadn't caused so many problems with direct debits etc, I probably wouldn't have bothered about them. But it did cause problems and after having to spend an hour an a half on the phone to them today, I'd like to pursue this. Do I have a case? And if so, how would you recommend I go about it? Thanks in advance for any advice you can give me.

Hi guys I had my direct debit set up for tax. DVLA took first payment Monday 11th but wasn't due until thurs 14th. DD failed and now they have cancelled tax. I have a letter ready to send to them and my back regarding DD guarantee. Please see below for the correspondence etc Should i send anything else? Thanks Name Address 1 Address 2 Address 3 Address 4 Postcode Dear Sir, Account number: Sort Code: Company Name: DVLA Reference: Amount: Date The Direct Debit detailed above, has been deducted from my account on a date other than that agreed with the organisation Under the terms of the Direct Debit Guarantee, please re-credit my account accordingly and confirm in writing once you have done so. I have copied this letter to DVLA for their information. Yours faithfully, Cc DVLA Failure to tax vehicle: Dear Your Direct Debit has failed and you have not made an alternative payment therefore the tax is now void. You must now pay a penalty of £80 by 11/08/15, reduced to £40 if paid by 19/07/15 and the arrears of duty of £15.00 How to pav • By phone on 0300 790 6808 with a debit card or credit card, Lines are open Monday to Friday 9am5pm. This is a payment line only; you cannot dispute this offence by phone. • By post, send a cheque or postal order payable to DVLA. Write the vehicle registration number on the back of any payment and return it to the above address, together with this letter. To avoid any further enforcement action you must also tax the vehicle or make a Statutory Off Road Notification (SORN). You can Tax or SORN your vehicle online at http://www.gov.uk/vehicletax or by phoning 0300 123 4321. You must have your vehicle registration certificate (V5C) reference number to do this. Alternatively, you can tax at a Post Office@ branch that deals with tax using your V5C, insurance certificate for vehicles registered with a Northern Ireland address, fee and MOT if applicable. If you no longer have the vehicle you must inform us immediately by using the registration document or the back of this letter. You must still pay the penalty but do not need to tax or make a SORN. You should also complete the back of the letter if you have evidence to support a dispute. Failure to pay may result in one or more of the followinq actions: • Your vehicle could be one of the 50,000 we clamp or seize each year. • The debt will be passed to a Debt Recovery Agency, Yours sincerely Enforcement Officer On behalf of the Secretary of State for Transport Sent unsigned INVESTORS IN PEOPLE FDSN2 Driver & Vehicle Licensing Agency Dear Sir/Madam Failed Direct Debit Vehicle Registration Number: The Direct Debit to tax the above vehicle has been returned unpaid. You now need to apply to tax the vehicle another way. It must be kept off the road until you have done this. If you have already done this in the last few days no further action is needed. If you do not tax the vehicle you must keep it off the road and make a Statutory Off Road Notification (SORN). If you no longer have the vehicle you need to tell us. If you have already told us that you have sold or transferred the vehicle or made a SORN we will send you an acknowledgement within 4 weeks. If you have received this acknowledgement you do not need to contact us as this confirms we have updated our records, If you have not received it, phone us on 0300 790 6802. Yours sincerely John Hewson Vehicles Service Manager To get vehicle tax or to make a SORN online or by phone: go online at http://www.gov.uk/vehicletax or phone 0300 123 4321 You will need the reference number shown on your Vehicle Registration Certificate (V5C). If you cannot or do not wish to get vehicle tax online or by phone, go to a Post Office" branch that deals with vehicle tax. Take: your V5C the vehicle's MOT (if it needs one), and a valid Certificate of insurance or cover note for vehicles registered with a Northern Ireland address. By law, all drivers must be covered by motor insurance when they use a motor vehicle on the road or in any other public place. If you need more information go to: http://www.gov.uk/browse/driving Reference number: Please make a note of this reference for any future contact with the DVLA. Payment schedule instalment number Payment date Payment amount 1 14/05/2015 £15.75 2 01/06/2015 £15.75 3 01/07/2015 £15.75 4 03/08/2015 £15.75 5 01/09/2015 £15.75 6 01/10/2015 £15.75 7 02/11/2015 £15.75 8 01/12/2015 £15.75 9 04/01/2016 £15.75 10 01102/2016 £15.75 11 01103/2016 £15.75 12 01/04/2016 £15.75 Total Amount Payable: £189.00 If any of the above instalment details are incorrect please call us as soon as possible on 0300 790 6802. We are open 8am to 7ptTl Monday to Friday and 8am to 2pm on Saturday. Otherwise, no further action is required and your Direct Debit will be processed as normal. • be-de.t.eçhed änd reiåf.nad by: fhe påyerx•. DIRECT Debit Guarantee accepi instructions to pay Direct Debits Debit DVLA will notify you 10 working days in advance of your account collect a payment, confirmation 01 the amount and date will be given to you at the time or your bank or building socioty, you are entitled to a full and irnrnediate refund of tho baok when DVI.A asks you to your bank or building society. Written confirmation may be required Please also notify us. The Direct This Guarantee is offered by all banks and building societies • If there are any changes to the amount. date or frequency of being debited or as otherwise agreed. If you request DVLA of the request • If an error is made in the payment of your Dlzect Debit, by amount paid from your bank or building society If you receive a refund you are not entitled to, you must pay • You can cancel a Direct Debi* at any iime by simpty contacting !hat your DVCA

Went to ATM link cash machine in my local shop .i wanted to withdraw £500 the machine made the right noises £180 came out the cash machine and then the machine came up with an error I then checked my bank statement which showed £500 taken from my bank.now am £320 down what can i do? Lady in the shop said this evening when the shops closes the machine will be checked will i get this money or not my bank has made note of this

At the moment, I am unemployed due to health reasons. I've just had a major operation and I did not overdraw, but rather, bills like TV license, Virgin Media etc.... They took out £44 for charges and I forgot where the draft is to write a letter to them to claim it back under hardship! I hate HSBC, I really should change banks soon...

Warning! Do not use these companies: AK Management (UK) Ltd and their other connected company, Money Essentials!!! This company contacted me saying that I had been accepted for a loan from one of their 'in house lenders', which does not exsist, all they do is e-mail you lists of loan providers and other brokers, which you can find off the internet yourself. However, today they took £89.00 from my account without my permission, for their loan broking service! I contacted my branch, who agreed that their service is appalling, but cannot claim the money back. However, they are looking into this companies service. What I need to know is how I can get this money back quickly? They are refusing to refund the money.

My son came over from Australia at the end of July 2013 for his annual visit. We visited an Orange store and took out a sim only 28 / 30 day rolling contract in order that we could cancel it as soon as he went back. We cancelled it at the same store and I also rang Orange to confirm cancellation. £59.58 was paid by direct debit on 2d September which I then cancelled. I never gave it another thought until I received a letter dated 3rd April 2014 saying there were changes being made to my Orange account regarding price. I wrote back immediately saying I had no account with Orange and would they kindly delete my records. 27th August 2014: I received a letter saying I owed £373.95 and threatening to disconnect me if I didn’t pay immediately. I wrote back on 7th September giving a detailed explanation of when and where the account was cancelled. I also explained that on receipt of their letter I had called in to the store again and the Manager – Simon – confirmed that after checking their system I had definitely been on a 28 / 30 day contract which I had cancelled! 25th September 2014: I received another letter saying I owed £406.27. I again wrote back immediately to explain the situation yet again. 13th November 2014: I received a letter from a company called dlc saying I now owed £435.06 and threatening me with legal action! I did not want to get involved with a debt collecting company so I rang EE / Orange on 17th November. Absolute waste of time – hadn’t a clue what I was talking about. I then decided to go back to my local store yet another 20 mile return trip. 23rd November 2014: I spoke to Simon at the store and after a wait of 30 minutes whilst he was on the phone he explained to me that the problem had now been fully resolved. Luckily his Area Manager had been available and she had personally taken the matter over. Between them it was all sorted and they were very apologetic. My feeling of relief did not last long. 1st December 2014; I received yet another letter from dlc but presumed it had just been sent out before all he paperwork had gone through so just ignored it. 7th January 2015: Yet another letter from dlc informing me that I owe £435.06 and my account is now being managed by Mercantile Data Bureau Ltd., a subsidiary of Hillesden Securities. They have asked that I contact them to discuss an affordable repayment plan! Simon did explain to me that there have been horrendous problems since EE took over Orange and I have accepted all of the above both calmly and politely. However my patience is now wearing very thin. I would appreciate it if anyone could please give me advice on what my next step should be. I must admit I am very reluctant to deal with either dlc or Mercantile Data Bureau, especially as I don’t owe a penny, but will do so if that is the only option left open to me. I am quite happy to write to Orange again but would welcome a contact name if possible. Thank you in anticipation.