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  1. My son was called by Vodafone and told that they would like to offer him a free gift as a valued customer, and said they would send him a new tablet. It was only when he received his next bill that he discovered he was now being charged £19.99pcm for a data plan for the tablet. We called them to complain and the lady apologised profusely and said she had removed the data plan from his account, and raised a credit for the amount already billed. My son duly returned the tablet in the envelope they provided. This was in Sept, he has been billed for the data plan every month since. On the original call we also arranged a new phone and plan, which we were told would cost £32pcm. "Great" my son said, "that's less than I'm paying now". The vodafone representative agreed it was a great deal and cheaper than the old plan that was £35. The first bill came through for the new plan with a monthly plan charge of £57, (plus the data plan). My son couldn't afford this, so they disconnected him. We contacted Vodafone again via web chat. They promised to listen to the original call to confirm he was offered the plan at £32pcm and get back to him. They also promised they had again cancelled the data plan as they could see that the tablet had been returned. The phone was reconnected whilst the matter was being investigated. A week later he was disconnected again, desite no-one getting back to him. Web chat 2 - all the above explained over again - same promises made by the Vodafone representative, apologies for being let down previously. Advised my a/c had been marked as a priority and someone would be in touch the next day to resolve everything and confirm compensation for the problems. Phone was reconnected, and we were advised it would be working by 3pm that day. Restarted the phone numerous times as instructed, still restricted. Web chat 3 - 9pm the same day - Operative confirmed that all restrictions had already been lifted and to try restarting it one more time - this time the phone did work. Web chat 4 - less than 24 hours later, phone was disconnected yet again for non-payment. Explained everything yet again, after over 2 hours of explaining that he was being over charged for the phone plan, and billed for a data plan he never agreed to, the operative said "I have great news for you, I will credit the data plan, but you must call back tomorrow to cancel the plan". No mention of the issues with the phone plan over charge. My son pointed out that he already had called in and cancelled the plan He couldn't call in anyway because his phone was still disconnected. He also explained that he suffered from anxiety and was unable to deal with the matter over the phone. They again insisted he must call in. He reiterated that the situation had caused him anxiety and panic attacks, and that he physically could not speak to anyone on the phone. The operative then said "you must: and cut him off. Today, I received a message on my mobile phone - not with vodafone - no idea how they obtained my details as my son never gave them my number - message was from a debt collection agency saying he must contact them urgentky about hid Vodafone account. GDPR breach???
  2. A 'network marketeer' has conned me out of £300, can I get my money back? Cut a long story short, a friend introduced me to this so called "leader" and '"network marketeer" who claimed she was making 20k a year, she tricked me into sending her £300 through online banking to her bank account. I've realised its a CON, at first I though I would just let it go, but I want to get my money back
  3. Looking for some advice. I've just changed my address with Hastings Direct and, as well as charging me £25 for the pleasure, they have also added an extra £40 onto my car insurance premium. I would be fine with this if I had moved to a higher risk area but I've put my details into comparison websites and the Hastings Direct website using my old and new addresses and I should actually be saving money by moving. In fact their own website has given me a quote that is over £150 cheaper with my new address! I've tried phoning and emailing to get some justification for the extra charge but I keep getting fobbed off with "that's a deal for new customers" or "we're only the broker, we don't make the prices up" or "once charges are put on the account we can't tale them off so there's nothing I can do". I feel that I am being taken advantage of here and I am sick to death of big multi-million pound companies trying to grab every last penny they can. I am absolutely disgusted with Hastings Direct. Can anyone offer some advice or tell me how to get them to listen to what I am saying?!
  4. I received a phone call today from my previous council, the gentleman said he called me with regards to my very old address dating back to 1999-2004. I was a student then and found the flat through a normal Estate Agents, signed the Tenancy Agreement and moved in. Today, 2017, four children later I get a phone call from the council enforcement team informing me that I owe over £4000.00 in BUSINESS RATES. I was never informed that it was an "office" I was living in and to my total amazement they even took to me to court and I have a liability order from 2005. This is approx a year after moving out. I wasn't the only tenant, there was a gentleman above me in another flat and they built yet another flat in the loft when I moved out. My flat had a bathroom with a bath and a kitchen and looked nothing like an office. My LL at the time informed me that I wouldn't have to pay council as I was a student and it would have been included anyway. The gentleman from the council informed me that I am 100% liable and even though landlord or estate agent deceived me. I am in total shock and feel that I have no choice other than to start to pay this huge amount. There weren't any letters chasing the so called Business Rates throughout my time there and all correspondence from Landlord stated My name, then, First Floor Flat, 33 So-called Road and Postcode. Unfortunately I don't have more than 3 letters after that many years and I feel well and truly confused. The man also informed me that their records only go back 7 years so they will not be able to investigate nor look further into it as "the Law of the Land" (his words) has already decided that I am liable. Does anyone know why landlords would do this? What do I do? I have 7 days to respond Please advice or wake me up from this nightmare :frosty: Please let me know if I need to post this in another section, unsure and new to this.
  5. I have had £97 taken out of my bank by Stemcell.com. How can I get my money back!!!!
  6. Pension s cams, in which criminals cheat people out of their pension pots, are increasing. There are different types of s cam. They often begin by someone giving you a ‘cold call’ - contacting you unexpectedly about: an investment or other business opportunity that you’ve not previously spoken to them about taking your pension money before you’re 55 the ways that you can invest your pension money A cold call doesn’t have to be a telephone call. It can be any type of contact they’ve made with you unexpectedly, eg an email. S cammers may offer you tempting ways to invest your pension pot, eg investing it in a new hotel being built in an exotic location. Most of these offers are fake but can appear very convincing. Their aim is to get you to cash in your pension pot and transfer the money. Once you’ve transferred your money into a [problem], it’s too late. You could lose all your pension money as well as face tax of up to 55% or huge additional fees. How to tell if it’s a s cam Watch out if an individual or company: cold calls you about your pension money through a phone call, a text message, visiting you in person, or in other ways says you can access your pension money before 55 and that they can help you with this encourages you to take out a large lump sum, or your whole pension pot as cash, and to let them invest it for you asks you to transfer your money quickly, even sending documents to you by courier - never make a rush decision about your pension money uses words like ‘pension liberation’, ‘loan’, ‘loophole’, ‘free pension review’ or ‘one-off investment’ offers you an investment described as ‘unique’, ‘overseas’, ‘environmentally friendly’, ‘ethical’ or in a ‘new’ industry https://www.pensionwise.gov.uk/[problem]s FCA steps up s cams campaign ahead of pension freedoms The FCA has stepped up consumer warnings over investment [problem]s as the 6 April pension reforms deadline approaches. People should reject cold calls, check the FCA’s warning list and take financial advice to tackle fraudsters targeting their pensions savings, the regulator says. The regulator urges people to use its dedicated S camSmart smart.fca.org.uk/"]website to spot the warning signs of a [problem], view a list of suspect firms and smart.fca.org.uk/page/get-independent-advice"]find an adviser through directories.
  7. Hiya, posting for friend. My friend had been with her boyfriend for nearly a year when he asked her to get a bank loan for a BMW car. His credit rating was low so couldn't get a loan. She got the loan from her bank and gave him the money for the car. He is working and said he would give her the money every month to make the repayments on the car. He has now left her and taken the car. The log book is in his name as he told her she couldn't own the car as she doesn't have a driving license( she believed him). She's at her wits end, working and supporting her 2 year old son and can't afford the £125 a month repayments. Does she have any legal rights over car and what can she do... ... Urgent help needed please. Thank you in advance.
  8. Purchased a second hand car from a reputable dealer 2 days ago however when I got the car home I read through the manual it states the timing belt should be replaced when the car is six years old and the car is in fact 6 years of age. I have called a garage and I have been quoted £400 to replace it. The dealer serviced the car before collecting however on the 6 year service the timing belt should have been replaced which hasn't been done. My question is should the dealer have made me aware of the belt change and do I have any right to pursue this? Many thanks.
  9. I hope I can explain this easily. Basically my daughter was persuaded to leave her part time job with a large high street shop. Her boss wasn't particularly nice and ridiculed her for her dyslexia. A person we have known for a number of years has her own beauty salon and knew my daughter ( a trained beauty therapist) was unhappy and asked her if she would work for her in the salon and she would make sure she had as many hours, 16. So my daughter resigned and moved to the salon. Then the real problems started! The owner decided that she needed her to refresh her skills for a fortnight first before she would start paying her. Then said she would get half the treatment cost and the salon the other half. Then, changed again to say the therapists would get paid £6.50 per treatment hour. What this means is that my daughter goes in 10-5, 5 times a week but in a day often does the equivalent of 3 hours per day treatment. It is not as if she can leave the salon as the owner expects her to answer the phone or clean the treatment rooms. The owner has not asked my daughter for her p45, national insurance no or anything. She has now been at the salon for about 6 weeks. A week or so ago, my daughter was admitted to hospital with a severe kidney infection and spent 6 days on intravenous drips. She asked me to ring the salon owner and ask if there were and sick pay arrangements. The owner promptly rang my daughters mobile (in hospital) and started going mad at her saying at 22 she was too old to ask her mum to ring about her work life, that she wasn't employed as she was on a zero hours contract and that if i interfered again she would let my daughter go. My daughter only asked me to ring because in hospital her mobile signal was intermittent. She has been out for a few days now and gone back to the salon as she is terrified she would not be able to claim jsa if she walks out. I worked out that my daughter has effectively been working for less than £2 per hour. This woman is also taking untrained girls in off the street and telling them that because they are on zero hours contracts they can claim jobseekers aswell which i know is illegal. These poor girls are going to be in so much trouble when the jobcentre figures things out. The salon is literally 200m from the jobcentre. I dont know how to help my daughter as she has been badly manipulated but feels trapped. Any advice?
  10. Hi, I hope someone on this forum may have valuable advice to give, as I am distressed having just lost the car and the cash I have worked many many years to own. I saved hard and finally at the age of 60 managed to buy a sports car (30k), I had it for two years and we decided to sell as I no longer used it as much, & the grandchildren could do with some help for their education, placed an add on 'eBay', it did'nt achieve the reserve. Following day I get a call from a local dealer offering to sell on my behalf 'Sale or Return' with guaranteed price (25k), (I checked out the website & visited the showroom) & they had many cars equally valuable and seemed legitimate. He told me to keep the V45 Reg document & Spare key for security. I signed the sale or return contract, & they then adverised on Autotrader. I was contacted several days later, they said they had a buyer, he was a very particular buyer & so needed to see the V45, before purchasing as he wanted to make sure every thing was in order owing to the cars value. He came to my work, collected the V45, and I heard nothing for several days. I contacted him after approx 3 days to find out what had happened with the purchaser, he said that they had sold the vehicle and they were waiting for the finance to complete, he would then forward funds. I pointed out that they did'nt have any bank details for me, as they had pointed out they would only need these when the vehicle was sold and that I would drop them off to the showroom. When I got there, the car was missing, I asked where it was & was told it was being valeted ready for the new owner -to be. Several days then passed with no contact, then he explained he was having cashflow issues, promised the payment into my account on a date, this date passed, still no pamyment. The dealer then called to say it was held up because of the 'New Finance' company not having a FSA document with his new premises address (or some excuse like this). It has been several weeks, still no payment, The dealers solicitor called me to say that the dealer would try to make me an offer,I told the police immediately after this, they contacted the solicitor & the police then told me that it was a civil matter (not theft). I assume that they have fraudulently completed the V45 & new keeper document part. I don't know what to do?, to make it worse my car is now back on 'Auto-trader' for sale right now, and as you will imaging is very hurtful to see this, this is shameful, I may have been naive, but this is really mean as this money was for the benefit of others, who will now seemingly have to suffer owing to my stupidity. Any helful advice would be greatly appreciated. Thanks.
  11. Hi All, Last month I had a call from a well known recruitment agency asking me if I was interested in a 6 month contract, they then said the hourly rate was x amount which was slightly less than I would normally want but they said they would try for a bit more if possible. I had an interview a couple of days later and the next day had a call from the agency with the good news of an offer and the extra amount per hour. Great!. They said they would like me to speak to an umbrella company about how I would be paid, I'd never had experience of being paid this way before so was a bit dubious. I asked what the difference would be and was told I would be paid slightly less per hour PAYE and can claim my travel and food expenses if I used the umbrella company. I agreed to sign up with the umbrella company and took the job. After getting my payslip I now realise that the hourly rate I was expecting was before paying the umbrella company fee, the employers NIC and includes holiday pay (28 days pro rata). When I deduct all of these from my hourly rate i'm actually getting about 20% less than I was expecting. I do manage to pull back enough to cover the employers NIC with expenses but the fact that my net pay is less than I would have expected plus I won't get paid for any of the bank holidays that are approaching or any holiday I make like is worrying. I've sneaked a look at the invoices being sent to the company i'm contracted at and the agency are charging just over 50% markup on my hourly rate, I could understand this if they had to allow for employers NIC, holiday pay etc but they don't. I'm thinking about giving the agency a call and asking for the extra per hour to at least cover the holiday allowance but just curious if they would deduct this from the margin or approach the client? Bit peeved off to be honest, both with myself for being to eager to accept and and the recruitment agent for not being entirely upfront before I accepted the job. Any advice would be much appreciated
  12. In February I employed a builder to fit my new bathroom suite, do some electrical work and some tiling. We agreed a fixed price of , which was agreed by both parties in writing. To cut a long story short 100% of the work he did was substandard, and the electrical work was dangerous (despite claiming he was Part P registered). This resulted in having to buy the majority of materials again, and employing someone else to undo the damage he had caused and to start the job again. He also sent me threatening emails and the police were called. Both tradesmen who put right the work provided me with written reports of the substandard work, and the electrician confirmed the electrical work the builder had left was both a fire hazard and posed a risk of electrocution. I contacted CAB who advised me to write to the builder (who IS a Ltd co with comapnies house) and send via recorded delivery. The builder is refusing to accept the letters and they just keep getting sent back to me. Since this incident, he has changed his registered address with Companies House 3 times. I have calculated that the damage he caused cost me £2,227.81. Any advice on what on earth I should do? I'm beginning to give up hope.
  13. Hi, I am looking for any advice please and thank you in advance. I have a mortage with NRAM and I have been paying 'part interest part payment' since Jan 2011 which amount to £1097pm. I was originally on 'repayment' but my wife gone back to full time studying and I found it hard to meet the full payment hence coverting my mortage payment. she has finished now and looking for work and I requested NRAM to extend the agreed repayment methods for another 3 months (end of Oct) but when I spoke to them they asked me to do the followings in order for my application of extention to be considered: I have a payment plan with debt management for my unsecured loan which comes up to £400 a month (40k loans) which I included on my 'hard ship form'. when I called NRAM, they said that I pay too much towards my debts and I require to reduce their monthly pay if I want to be considered for an extention. I called debtline payment plan and we reduced the payment to £210m and called back NRAM to let them now that I did what they instructed me to do. BUT when I give them the new payment plan figure, they said now I am able to pay the full mortage repayment as I have surplus money.. I was livid as I felt they tricked me into doing it and I felt very angry twards them. The thing is our total income is 2100 and if I pay the full payment of £1490 plus £210 then all what we left with is few hundreds to survive a whole months with travel food etc. I just do not see how they worked it out and why advise me to follow their instruction but had another agenda. I am not sure if anyone had the same experience but I requested NRAM to listen to the conversation that I had with one of their employees and the advice given to me and am calling them again on Friday. any ideas would help greatly. thank you
  14. Hi there I am looking for some advice. Back in February, I was contacted by a company called Click On Marketing Solutions who said they could promote my new business on Google to create extra traffic to my website. I had just set up my own Childminding business and was seeking new customers so this seemed like a good idea. I paid the fee and they would promote my website for 30 days. I could stop and start the 30 days when i wanted. Use a few days here and there etc. I eventually got some customers so I decided to stop my days and start them up again coming upto the school hols. They phoned me a few weeks ago asking if I wanted to continue as I had 15 days left so I agreed. I then checked my bank account yesterday and on 24th July they had debited me for £118.30. I phoned them straight away as I only signed up for the 30 days. It was not explained to me in the initial phone call that I would be debited once I had used all my days. I spoke to an advisor who advised yesterday that I am supposed to cancel my subscription by giving 30 days notice or I will be debited each month. Now none of this was explained to me when I signed up. He said that he emailed me the t & cs when I signed up which he didn't. So initially I paid for 30 days advertising when I signed up so if I have to give 30 days notice to cancel then I would lose any remainding days I had left which I have paid for? I have cancelled this yesterday but he says I will more than likely be debited again next month as I have not given 30 days notice. I cannot afford to pay this. I feel like I have been misold this as none of this was explained to me from the start. I have emailed the bloke I spoke to twice yesterday and he has not replied to my emails. He is quick enough to call me when he wants my money but when I have a complaint he doesn't want to know. Please help me as this debit has now put us in the red. I hope I have explained myself well enough, it is all very confusing. Their website is [edit] Many thanks
  15. I registered with a local home care agency and paid 46.oo for a crb check over a month ago. Since then thay have lost the 1st form the 2nd form was not filled in correctly? Now that form has gone missing?. They claim it has been sent and crb tracker say it had not. I have now requested this money back as i will not be working for them where do i stand. As far as i can see i have paid for a service i have not received Help!!
  16. Hi, I was conned by a debt collection agency 4 years ago. They broke many rules: 1. Purchased a debt with a long standing arrangement and refused to acknowledge the arrangement 2. Check my credit file and found I had money available on Credit Card and insisted I paid the full amount on that card. 3. Threatened me with a 'Warrant' and were generally rude, unhelpful and aggressive. The Company was Rockwell. I foolishly paid them off in full on my credit card. I have only just found this out. Can I still now complain and harass them? Is there a statute of limitation on complaints? Thank in advance.
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