Hello, I am starting a new thread here after discovering some things on my credit record. The story is: In 2013 whilst I was a Vodafone UK mobile phone customer, a Vodafone phone agent advised me that if I purchased a call package which gave a discount to Intl calls made outwith the UK, this package would cover Russia, which was the country I was going to make calls from. When I returned from that trip in October 2013, I found a bill of £122, increased to £203.70 by Dec 2013. I even offered to pay some portion of the £122 in instalments and paid ~£15 per month as a goodwill gesture. But I still disputed the Russian call charges and said this constantly. I disputed this constantly from Oct 2013 by email and phone; I spoke with them over the phone several times from the end of 2013, emailed up until Feb 2014 and spoke with an agent called Jeff Phoenix from Vodafone UK by Dec 2013 and still no resolution from then. J Phoenix tried to bully me over the phone to accept everything. I emailed Vodafone and Fredrickson International, a debt collection agency hired by Vodafone UK, that this occurred a few days later after this phone discussion. I also exchanged email in Jan and Feb 2014 with Fredrickson International and Vodafone UK after the phone call as Vodafone did not respond to my communication. I told both Vodafone UK and Fredrickson I was going to contact Ofcom about this problem. Subsequently, I lost interest and did not contact Ofcom but I never heard anything back from either Vodafone UK of Fredrickson. And now looking through my credit record I see a default of £200 dated from 01 Jan 2014 even though I had email communication with Vodafone UK and Fredrickson from 10 Feb 2014. My questions are: 1) Is there some sort of redress I can get from Ofcom for the damage to my credit record? 2) What can be done with regards to the conduct of Jeff Phoenix? 3) Can I get these phone charges removed and my credit record cleaned, backdated to the time of the dispute? Thank you for your help in advance.

Hi all Thanks for taking the time to look at my question. As stated in the title I've requested my holiday allowance from my employer and have received a response stating my allowance so far this year is 6 hours a week as per my contracted hours. I work on average 25 - 30 hours a week shift work and have done for the entire year and previous years too. So far this year I have been paid for 544.5 hours of work Here is quoted from my contract under the headline "holidays" "In each holiday year you are entitled to 5.6 weeks paid holiday pro rata to your working week ( the holiday year runs from 1st April to 31st March)" The rest of the information under the same heading is unrelated to my issue ( notice period, can't carry over to the next year etc) I've worked for this company on and off for the last 8 years but this current contract was signed on the 11th of June 2012 Last year I had a similar issue trying to get holiday pay out of them and ended up getting my previous 8 weeks average for the 2 weeks I requested. This year they are using the excuse that last year they couldn't find my contract but now they have, my holiday entitlement is 16 hours based on the 6 hour contract x 5.6 weeks pro rata. What advice can you give me to help me fight for my right for fair holiday pay, please provide references where you can. Thanks again for looking and for your responses Jez

Hi all, My husband bought a car from Carcraft just over 2 years ago and had the 5 year warranty tagged on, despite the garage being a good hour's drive away, we have dutifully taken it there for each service. It was last services around a month ago and we were informed there were some minor things such as a tyre etc. Two weeks after the service, the "exhaust fault" light flashes up on the dashboard and the car judders when the brake is applied. Being too worried to drive the car over the dartford crossing in case it konked out halfway, we asked Carcraft if we could use our local garage and bill them? They agreed to get a quote from the local garage for which we had to pay £50 upfront, when the garage said they needed to run more diagnostic tests, Carcraft suddenly sent RAC down the next morning to check it out. Days went by and we received no update from Cc and we had to ring daily for updates (for which there were none!). After two weeks and 2 days of the car sitting in their garage, we're told that it's the timing chain and that it's not under the warranty and we'll have to pay £750 to fix it (parts and labour). Having spoken to customer services we are directed to look in the handbook where it says the guarantee excludes "ancillary drive belts" and that is why they cannot cover it. Now I'm no mechanic but I could guess that a timing chain had nothing to do with ancillary drive belts and asked a mechanic friend to confirm this, which he did. He also said that they are not considered a "wear and tear" item and very rarely need to be changed in the lifetime of a car. I'm struggling with why this claim had been declined, surely the mechanic knows the difference between the two parts, what is and what isn't covered? We tried to re contact customer services but told that if we want to dispute the claim we have to put it in writing, which I have done but takes 7-10 working days. Considering the car has already been sitting in their garage for the last 2+ Weeks the idea of potentially waiting another 2 weeks is completely ridiculous, especially as I'm a midwife/health visitor and need the car, I'm really struggling. If anyone has any tips to help, if be eternally grateful...

Hi all. Motor insurance claim question for ya! I drive a mini Cooper S in a special limited edition colour. Someone scraped along the side of it whilst i was parked. It was a neighbour and they owned up. Set the ball rolling with my insurers. M&S on behalf of Minster Law. I asked them to use my certified Mini Garage if possible due to the nature of the ltd edition paintwork. Insurers got back stating they could not agree a fee. So they would like to proceed through their preferred repairer. I've contacted this repairer and made them aware of my concerns over the colour. They are getting back to me as to whether it is an issue. But seemed wary. Where do I stand? Can I insist my insurer uses certain garages? I have legal cover (gotta check what up to) so could i get it dome myself and claim it back? Sorry I have no idea about insurance. Any advice would be most helpful. Thanks in advance!

Back in June BG decided to increase my monthly payment from £200 to £300. I wrote to them and asked them to maintain the original payment and received confirmation on 29 August that £200 was fine and to continue payment which I have reducing the amount owed to £600. I have then received several letters demanding full payment of the £1000 plus owed. On ringing their 'overseas' office via the freephone number I was told that my only alternatives were to pay the full amount or accept a pre payment meter, there was no other alternative, other than to be disconnected. I pointed out with reference number about the letter I had confirming the agreed payment and was told that they had nothing to suggest this on record and I either paid in full or he would arrange a meter. I eventually contacted the person who had agreed the continued payment and she confirmed yesterday that she did work for BG abd my arrangement stood. Today I took an out of area number and was told by the BG representative that the person mentioned did not exist there was nothing on my file, even though she had confirmed there was, about an agreement and if I didn't pay the now £800+ due I would be cur off. What is it with Bg are they on commission in India or wherever to get meters fitted ?