Hello, First off - many thanks in anticipation for any advice that anyone will take the time to give me. It will be much appreciated. Sorry if I sound a bit wound up but none of this is my doing - my energy provider messed up my gas bills and I've had my credit rating destroyed as a result. I've been with my Gas and Electricity energy provider since February 2015 and they have been a nightmare. Electricity bills are paid up to date. Gas account as far as I'm concerned is up to date. The provider disagrees - they say I owe £290 - including a late payment penalty fee of £10 I have sent them all the documentation and proof via Royal Mail Track and Trace which they received - but they refuse to reply. I sent the matter to the Energy Ombudsman but they sent me an email saying that they didn't have my file. The matter started in November 2016 when we noticed that our gas supplier was billing us for an extra meter that had nothing to do with us. After much correspondence, they acknowledged their mistake and offered us a £45 goodwill payment. But we said that the amended gas bills were still wrong because they didn't reflect the amounts totalling £240 paid on the account ( we have proof of these payments). We continued to argue back and forth with our energy provider until the matter became deadlocked and we referred it to Ombudsman who heaven knows did what with our file. We awaited a reply from the ombudsman. In the meantime, the energy provider filed six late payment markers against me with Equifax. The energy provider won't examine the proof of payments that we sent them or remove the late payment markers. They have also charged me a late payment penalty fee of £10 have sent me threatening letter that they will charge me hundreds of pounds extra for debt collection and change my meter to a prepayment one. I sent them a Letter Before Court Action three weeks ago via Royal Mail Track and Trace but they've ignored it. The ombudsman doesn't fill me with confidence. I want to take this matter to Court and this is what I would like to achieve: I want the £240 lost payments on account to be reinstated on my account. I want the six late payment markers removed from my credit file. I want a written apology for the stress and hassle that this matter has caused me. I want fair compensation for the stress, hassle that this has caused and the damage to my credit record that I have suffered as a result of the late payment markers. What's possible and how can I go about it - how much will it cost?

In October last year, I settled both of the accounts my mother had with Ambrose Wilson and Daxon. However, I was surprised to find recently that the balance on the Ambrose Wilson account was almost £100. After looking at the statements, I was unsurprised to find that Ambrose Wilson have been adding late payment charges of £12 a month to my mother's account. I then decided to find out more and sent a SAR to both Ambrose Wilson and Daxon. I have just had the replies. Ambrose Wilson have charged my mother £480 in late payment charges. In the section for the Credit Agreement they have sent a piece of paper stating that there is no more information. I have sent them a request for a CCA. Daxon have charged my mother £240 in late payment charges and a further £12 for a 'Card Not Honoured' charge. They have also sent me a copy of the credit agreement "... that would have been signed when the account was opened". The agreement that they have sent does not include my mother's name and address or, indeed, her signature. I fully intend to reclaim the late payment charges on behalf of my mother. A number of questions:- 1. Should I do a CCA request to Daxon? 2. Is there a template to calculate the interest that can also be claimed on the late payment charges? 3. Is there a template for the letter to make the initial claim to Ambrose Wilson and Daxon?

I don't know where to start with this one which has been going on since 2008, and has become extremely complicated. Basically I am now with a CAB agency that will lodge a further formal complaint with this bank regarding two defaulted credit card debts. I now have evidence that they misled the financial ombudsman did not disclose information to either my solicitor or the Police regarding the fraud on these two accounts. They did not carry out an internal investigation marked on their computer systems that 'it was not fraud' in the middle of a police investigation, which has left the case open to further disclosure. in January 2010 the Coop placed both accounts into default and issued termination notices. My credit reports show the amounts that were defaulted at this time. On one credit card account two sets of Termination and Default Notices were issued all showing different amounts that increased the debt with a 6 month gap in between. Is this legal? It has now also come to light that since CAB have taken on my case (april this year) one of the credit card amounts is no longer on the online banking, the other has doubled without my knowledge. I have received no statements since the termination notices on both. Yet both defaults are on my credit report with amounts the same as the first default notices. On looking at the online statements the remaining card, has been charged overlimit/late payments charges and interest on cash/merchanise since April. Are banks able to levy these charges after default and termination? Without advising me? Are they also able to combine two defaulted debts into one without telling me and not reflecting this in my credit report? Any information regarding this would be greatly appreciated, as it's worrying me sick.

How do I reclaim late payment charges (£7.50 each) from BT? I've complained to them and had it declined. I've then passed it to the Ombudsman: Communications who says they cannot look at it as it's a commercial decision by BT. Why does UTCCR and the law on penalties not apply to BT?