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Found 430 results

  1. Hi everyone, I had two accounts with Amex opened in 2003, One was Amex blue and the otherone was Gold Charge Card. I ran into financial problem and the accounts were terminated and sold to Capquest. I was first offered the Gold Card then followed by the Blue Card. Well, there is no outstanding debts on them now but there were penalty charges on both cards which I would like to claim back. I wrote to them requesting them to repay but they refused. I then sent a LBA and their response is basically the same. Below is their reply to my LBA: (Two letters for the two accounts but the contents are the same) WITHOUT PREJUDICE SAVE AS TO COSTS Dear Mr... Thank you for your letter dated --.12.2014 concerning the default charges applied to the above account. While we are disappointed that you rae not satisfied with our response, we confirm that your claim has been reviewed in accordance with time frame limited by law and that, as confirmed in our final response letter dated -- December 2014, no refunds of default charges are due in respect of this claim. If, however, despite our final response, you decide to pursue legal action, American Express will have no alternative but to defend such proceedings and recover its costs of doing so from you. We trust this will not prove necessary and that we can avoid unnecessary use of the court's time and legal expense. Yours Sincerely, Now, my question is, Has anyone had experience with Amex? Any success story to read? It is my intention to follow it through. I want to issue a claim but would want to hear your opinions before I do that. Thanks Dot
  2. Hi all Been reading up on Shelleys and Martin2006 threads ( which are very good indeed ) and looking in doing the following credit card charges reclaim. MBNA card - Defaulted around 2007 - cannot check accurate date as dropped of CRA and NO DN in SAR. —————————Credit Card Charges reclaim—————————————— Total Charges = £521 Total Compound Interest @ 24.90% = £10.699.22 Total Claim = £11220.22 ( which is WHOPPING ! ) Outstanding Balance with DCA £4500 ——————DCA————————— MBNA card taken out 2003. They then SOLD the debt of £4500 to DCA in 2011 ————————————————— As this is over £10,000 - my understanding it is eligible for fast track, but with me having to pay both sides if I lost ? I just cannot afford that. Any thoughts / ideas on the best way to play this ? Thanks as always.
  3. Hi, I parked in a loading bay for what felt like no more than 15 minutes and received a parking ticket. See images attached. I couldn't see any signs that clearly displayed the time allowed or the terms and conditions. Is this legal? Please let me know if you need any information and thank you CAG in advanced!
  4. Hello, I've received a notice to keeper today for exceeding the maximum period allowed by 17 minutes. Although I was driving the car, I was not the keeper as it's my fiancé's (so the letter was addressed to her but I won't let suffer for it) My initial reaction was to ignore it but I decided to play it safe and ask for guidance. Thank you in advance. 1 Date of the infringement 11/02/19 2 Date on the NTK 18/02/19 3 Date received 20/02/19 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? Y 5 Is there any photographic evidence of the event? Yes, plates upon entry and exit 6 Have you appealed? No Have you had a response? N/A 7 Who is the parking company? Euro Car Parks 8. Where exactly Marks & Spencer, Penrith BPA
  5. Afternoon all, I purchased a £300 car to use for a parts car whilst restoring another car. As it happens I didn't really need anything so sold it on 3 days ago for a little under what I paid. This morning I received one of those letters from Loans2go starting it's there property and they want it back. I was a little taken back as I HPI checked the car but realised after checking report this morning that it was the cheapo option which didn't include finance. Naturally I only use the more expensive hpi for expensive cars..... I called them up and explained I wasn't aware etc, lady was very nice and kept saying I have 10 days or I could make a offer to settle. I took great delight in winding her up as I won't be paying a penny I said well it's all very well saying I have ten days however you won't be getting anything and I have also sold the car. The irony that it's now being used as a stock car as it's worthless. So anyone know what happens next? V5 was filled in on the night of sale online, I have a receipt with all buyers info and sellers info. Loan was taken out against car in 2016........ I want to know if all my items & cars are safe from sticky hands. Cheers for the help
  6. First time poster here desperate for some advice after google has proved fruitless. This is a long ongoing story so please forgive the length and thank you in advance if you manage to read everything. I bought my first car 28/06/2018 from a car dealership in Hounslow, ATM Motor Trade. I found the car on Auto Trader, the dealer had good reviews and it was a good deal for the car that I wanted. The drive from my house was around 90 minutes each way but I was confident I was going to love the car. The saleswoman seemed knowledgable and friendly and I bought the car that day. I paid by bank transfer (stupid looking back) and drove the car home. Already on the drive home there were some minor problems with the car not wanting to change into third gear which I put down to my inexperience in driving it and figured I would learn to do it properly. I was also trying to be eternally optimistic and hoping the car was fine despite my instincts now starting to say otherwise. I got into the car the next day and the check engine light was on. This concerned me enough to get the bus to work but I also called the dealer to explain that the engine light was on. They said it was just an issue with the emissions on the vehicle, there’s nothing to worry about and it’s safe to drive. I asked for this to be put in writing for me - already losing my trust and sensing the worst - but that was declined. Having lost all faith in the dealer, I decided to take the car to a trusted mechanic for an assessment. He plugged in the diagnostics computer and also did a thorough check of the vehicle. The number of faults that came up on the computer was higher than 20 and that’s without the physical issues that were found: holes in air pipes, badly worn brake discs, a puncture, even the battery wasn’t attached properly. I took photographs of all of the evidence on the diagnostics computer and areas of the car where the faults could be seen and then the mechanic and I decided it would be best to wipe the faults from the cars internal computer to see if they would recur. I emailed the dealer that day with the evidence I had and told them I would be returning the car for a full refund under the Consumer Rights Act. Initially they tried to offer a repair or a replacement instead but as you can imagine I had no faith in them at this point. Eventually they agreed I would return the car to them. I did so on 08/07/2018. I had driven the car a total of three times - two of those being home from the dealer and back again. The saleswoman was the same person who sold me the car and after much resisting sent me a text message to say that I had returned the car and could expect a refund in 14 days. After the 14 days were up I received an email claiming that there were no faults with the car, they claimed they had driven it everyday with no issue and it was “functioning” and therefore they would not be offering me a refund. They also would not return the car to me but only offered a replacement vehicle. I declined this offer and stated once again I wanted my money back. I have not heard from the company themselves since this date. I ended up escalating the issue to MCOL. The dealer did not respond to the service of the claim, a judgment was made against them and then I finally sent a county court enforcement officer to collect on my behalf. In the meantime the company (a limited company) changed their trading as name therefore rendering my paperwork and claim invalid as the company “no longer existed”. I did not know when I made the initial claim that they were a LTD company trading under a different name. Initially the name was ATM Motor Trade which they changed to Quality Motor Trade Centre (the irony!). I made a request to the court to change the company name on my paperwork and reserve the papers. I have since discovered they have now opened up a whole new business and are trading under this name instead! I am now at a loss for what to do. They currently owe me £2500 which I borrowed in a loan from my bank. I can not afford another car as I’m repaying the initial loan and I’ve been forced to revert to public transport (which is horrendous in my area). It seems they will do anything in their power to avoid paying and are obviously skilled at avoiding the courts. Any help would be much appreciated. I once again apologise for the length of this and thank you for reading.
  7. Hi all, Been a while since I've been on here. Have received a letter before action from Kearns on behalf of link financial for an old MBNA credit card debt. The debt is circa 2007. I haven't been chased on this or had any correspondence on this or made any payments on this for over 6 years for sure. I have attached a copy of the letter. Please advise course of action? If I am honest, I have moved address and Link have recently chased me for another one and I feel they are phishing on this one as I basically disappeared for 6 years. Letter attached for advice. Thanks!
  8. Hello, In August 2018 I took on a BT TV and internet package on a 12 month term. I did not want to use BT really as I was told their service is bad. I explored all options with other providers such as Virgin, Sky etc but it turned out I could only have BT TV at my rented flat and the lines were BT only also. The time came to have my TV and internet connected and BT came to my flat and within 5 mins the technician said ‘OK, you are activated’……the point he said was active was by my front door which is far from my lounge where I needed BT TV and the modem. I connected the modem to the point by the front door and confirmed it worked with the technician, I then check the TV point but it was dead. The technician had a look and said ‘yea this point will take 24 hours to come on’ which I could sense was utter nonsense because it was fed pack to the point by the front door, so something was wrong, which didn’t surprise me as it is a very old regency building. 24 hours went by and not to my surprise it didn’t work, I called BT and booked for them to come out the following Tuesday (6 days later). Tuesday came and it got to 4pm and I called them to find out where they were and they said I had no appointment. I could not afford to take more time off work so I just parked up the TV issue for the time being as my internet worked and I could get by and would tackle the TV install later. By October I had been given a new opportunity to take a job in Australia meaning I had to move out and leave for Australia in December. I called BT to say that I needed to cancel and was told I have to pay out the whole agreement to the amount of £578.18. I explained that this felt unfair as they are not supplying me with any future service, on top of that they never finished setting up my BT TV, and last of all the new tenant who moves in has to use BT (as outlined above,unless they don’t use phone, or internet) and therefore when they sign up with BT it will cancel off my service automatically. As a result BT will be charging the new tenant for their services and charging me also! It doesn’t seem right that someone can sell or lease out the same thing to two people at once with only one of those people being a beneficiary. Any advice on my matter would be much appreciated, I understand I signed an agreement, however they never fully installed what I paid for and they are also trying to make me pay for something someone else will be paying for going forward… it doesn’t seem right.
  9. Hello everyone Unfortunately, my husband has gone and got himself another PCN. This time it's one that was stuck on his car I haven't seen any photos of the situation yet - I think they will be uploaded tomorrow at the earliest as he only received the PCN today. I was trying to upload the pdf but this website says that I have the incorrect file extension Is anyone able to help me understand what I've done wrong? I tried following the instructions about uploading files. Thanks
  10. Hi I am on ESA and PIP. My savings have just gone over the £6000 threshold in the last couple of months. Is it best to phone DWP or should I write to them please? This is causing me great anxiety as I feel like I have done something wrong. I am very thrifty so hardly spend any money preferring to save it as it makes me feel safe to know it is in the bank. I am a very insecure person with lots of struggles with mental health searching for some sort of security. Please advise-thank you.
  11. Hi All, I've got numerous claims on going at the moment, some of which are over 6 years - I have been waiting since Feb/March, I spoke with someone at the FOS last week who stated that there is a "decision" currently on-going and that the PDL companies are battling with them as to what action they can take for those loans over 6 years etc. Does anyone else know anything further about this, seems some companies have "opted in" or agreed to them but others are fighting it as it will obviously mean more complaints against them.
  12. My 27 year old son rang me today saying he has received a letter Housing benefits from when he was in a bedsit at 18 attending college He moved and they have just sent him a letter saying he owes £500 and they are taking it direct from his wages as he did not inform them he had moved on time.. . He has always worked since leaving the property and has always paid council tax at his new addresses for 9 years and been on the electoral roll. He has never received any letters of over payment and has no knowledge of this over payment. I was guarantor at the estate agents for the bedsit and i never received anything. Is this legal for them just to take from his wages, he doesn't remember dates that long ago. He is on low income and he and his partner pay the rent on their home £1,000 a month as they both work. He has not claimed housing benefits other than for the 6 months he was at the bedsit 9 years ago. They want to take an extra 25 per week from his wages, he already pays £40 a month for arrears of council tax from his previous property. I think its unfair that they can chase an over payment without contacting you when you have been legally available on electoral role and council tax, we can not prove that he did not tell them when he moved as its so long ago. Any Advise please
  13. New flu vaccine available this winter for those aged 65 and over READ MORE HERE: https://www.gov.uk/government/news/new-flu-vaccine-available-this-winter-for-those-aged-65-and-over
  14. Hello, This is an addition to another thread I had on a £5500 Barclaycard credit card which was transferred to debt collection agency, which I ignored, and have not corresponded with at all. I responded saying that they had given up but I suppose they haven't. The debt gets transferred to Robinson Way, why I don;t know, but then I carried on not responding to letters or calls. Then I get a letter which I open and it says that they will send it to a solicitor (howard cohen) who will take legal action.... Can this solicitor take successful legal action? I don't know why they would not have done this in the first place and gone so far to get me to pay them. Is this solicitor in any more power to get me to pay than the DCA?... Thanks
  15. This happened on June 19th, I was caught abusing a loophole in the self checkout where I scanned cheaper items to put in heavier, more expensive items down. I had being doing this for a while quite often, but didn't take anything of high value, just food on my lunch breaks. When I was caught, they said they were on to me for the past couple months. I had visited the Tesco only 2 to 3 times a week and at odd times during lunch (could be from 12pm to 2pm) and not everytime I did this, sometimes paying for a bag of crisps, etc. The thing is, the security guard didn't even pull me into their office, he took me to the side and gotten my personal details and didn't even bother calling the police because what I took that day was such a low value. Told me I would receive a letter telling me what action they will take in 2 weeks or so. Just got down my details from my drivers license, paid for what I had taken on that occasion, didn't take a photo of me and said I'm banned from the store. Did not mention civil recovery action. He said it's likely the head office will review the CCTV footage of previous times I went in and will probably take it to the police. I immediately wrote a letter to the store manager and head office, showing deep remorse and apologised, in which the customer service manager replied with a letter thanking me, but not saying what actions the head office will take due to data privacy laws. Not heard anything from the store itself. I was expecting this to trigger a DWF letter to pressure fines on me, but it has almost been 3 months and haven't heard anything else, other than that one letter so it's making me so anxious and worried. If it's taking so long, is it likely the are building a case and the police are getting involved? Or were they pressuring me into not going in again and have just left it at that? Or should I expect a late DWF letter and nothing else? Does it take multiple months to see one of these letters? People have said they're letting me sweat it: it's too much time to sit through hours of CCTV to see what I had took of relatively low value and it would not be cost effective to involve the police, but still a possibility, or it could have even been forgotten about. I have been told it might be sitting in a pile with others, but a lot of people on this forum seem to have received DWF / RLP letters relatively quick. Someone else had even told me there won't be any complicated background police investigation and my punishment would be very minor if I was to receive one, but I am still unsure and very very worried about it still, I stress about it often. I had also been told waiting this long could have potentially harmed any chances of a case, since it would have been proceeded with sooner after the incident? Would they still hold onto CCTV from April to June?
  16. Invoiced by A S Parking at Hayle beach. It is coming up to 21 days ( argh missed the 14 day early window). Terrible weather and annoyingly had checked and flipped the ticket once but then someone must have shut a different door and it flipped again. Company clearly state they don't care about any mitigating circumstances. Very steep charge £100 (£60 if id paid early). Is there anything i can do? They haven't written to the reg keeper yet (which is also me) would i get another discounted period then? The only ticketing error/issue i can see is that the printing of the car park name is virtually non existent on the original ticket that i paid for. looking for light at the end of the tunnel, thanks
  17. Hi all, Looking for some guidance regarding 5 legitimate?? (unsure) PCN s on a broken down vehicle. Scenario. My sons car broke down away from his home. He has a valid residents paid on street parking permit for his home. but could not arrange a tow . He tried one garage.... but no availability, until finally contacting an available garage 5 days later which was then free to tow and repair it . He put a note in the vehicle windscreen to advise of breakdown. He received 5 PCN's over nine days. Could anyone guide on a suitable challenge? Please. Also on legality of number of PCN's issued. Many thanks . email me if allowed. Cheers Steve.
  18. Hello Guys, I'm new here and any help would be greatly appreciated. Over the past 2 years i have received around 35 parking tickets from UKPC, the majority of which have been issued in my work place office car park. So far i have not replied and ignored any correspondence from UKPC and their debt collection agency. Previously they have been sending all 'debt' letters separately but in July 2018 the debt collection agency have issued me with a letter accumulating the full amount (£5000+) and stating 35 tickets have been issued and that if i don't reply by 08/08/18 they will inform their 'client' to take legal action. It is now 23/08 and nothing has happened. While most people online tell you to simple ignore them as speaking to them in any capacity makes you agree to their 'terms' and by ignoring them they have no power, i have since had a colleague in the same situation for a smaller amount £1500 had a CCJ taken out against his name and his car clamped! This has now panicked me a tad bit and want to resolve the issue ASAP! I can think of two options and would like to know what is best or if you guys have any other advice for me. 1). Call UKPC and negotiate to pay half the amount over the period of a year, or something. Saying i was not the driver (cannot give driver details as i don't know who was driving on the given dates) but would like to settle the issue regardless, not accepting fault but wanting to settle this none the less. Do you think it is likely they would agree to these terms? Also how on earth do i get into contact with a person at UKPC as they have no number and hard to find someone to get into contact with! I don't want to go through the number provided on the debt collector as i assume they have no power and will request the full amount. 2). As i said the majority of tickets were issued at my place of work, if i am able to get a email on a headed page or headed paper from the building manager/security guard who is employed by the property management company who look after our office, who i assume engage UKPC, saying that there was an issue with my permit and that i shouldn't have received the tickets (along the lines of this) then forward this to UKPC. Again i have the issue of trying to contact someone at UKPC and then i can say i will pay any other tickets issued at another location but i want may void any of the ones issued at my place of work. Sorry for the lengthy post but quite a large amount of money of which i neither want to or can afford to pay. Is there any advice you guys could give me about what to do and how to get hold of a person at UKPC. Many thanks, Kyman595
  19. I signed up with The AA in 2015 for £99 a year (paid monthly). I just always assumed it was £99 as the website didn't state otherwise as far as I could see. I've checked it today and found I have been paying over £204 a year ever since the first year was up. I called them to complain, and the person said I would have had confirmation of the price in the post before it was due for renewal, and if I didn't call then I wouldn't get a better price (Why do I have to call!?). I don't recall getting these letters, and I keep everything, but I don't have that letter. I for sure check every letter I get, and I wouldn't have accepted a 100%+ price increase! I called back to their complaints to a guy who spends his life listening to people complain, and he just dismissed me saying I agreed when I took it out. I asked for a copy of the document several times but he just kept saying it would have been on the website at the time. I told him that the person I spoke to before said about it being in the renewal letters and then they relented and said they would send me copies. I want to dispute that I ever gave permission to a 100% price increase as I don't recall ever doing this, they seem to be unable to provide me with the terms and conditions I apparently agreed to. Realistically, what are my chances of getting my money back?
  20. Virgin Media’s 4 million subscribers are set to lose 10 UKTV Channels from Sunday 22nd July. This includes Dave, Gold, Drama and W and popular shows such as Taskmaster, Red Dwarf XII and reruns of classics like Only Fools and Horses. Virgin Media customers are venting their frustrations over the loss of UKTV via Twitter, with some threatening to switch to rival television packages Sky or BT: David Bouchier, Virgin Media’s chief digital entertainment officer said: “The problem is the BBC does not grant the UKTV digital rights with its TV shows which leaves it somewhat stranded as a linear dinosaur in an on-demand modern world.” “Part of a commitment to audiences has to be allowing them to watch what they want, when they want and that also means being able to watch those programes on demand. From US studios to small program-makers, that is how it is done. The BBC puts UKTV in a very difficult position and we have been unable to come to terms and will replace the channels.” https://uk.yahoo.com/movies/virgin-media-viewers-arms-losing-10-uk-tv-channels-132054866.html Discuss ?
  21. Hi, I am a bit confused about what I should receive as an NHS patient at a dentist. My OH and I have always gone private and paid lots of the years, but neither of us have a check up in over six years. I always felt I had good teeth and have flossed since my teens. Anyway, I broke a tooth last week and rang around to see if any local dentists were taking on NHS patients locally. I found one and booked the earliest appointment they had, which was last Friday. The dentist took about 4 x-rays and told me I had severe gum disease and no teeth could be replaced until this was treated, but said I would probably need this treated privately at over £1,000. I know it is not a huge amount for dental work, but it is for me. I said I would speak to my husband before agreeing to anything, to which she responded "THEY ARE YOUR TEETH!" My husband emailed them as to why the work was not covered on the NHS and he just received back a reply saying: "She was informed that she has advanced periodontal disease. She informed us that she had not had a dental check up for several years which is perhaps why it had not been identified earlier. She also presented with 2 broken teeth which we have had a look at and advised that they are broken down to a level where they cannot be fixed and removal is indicated. Removal of teeth can be done any time and it was not said to her that she needed to have gum disease treatment before this could be carried out. However, no advanced restorative work (if indicated) can be carried out until her periodontal disease is stabilised which can take several months. Three options were given to her for treatment of this, in order of level of success rates: 1) Private referral to an external periodontist (specialist in gum disease treatment)-best option for someone with advanced gum disease 2) Private referral to the hygienist (in house)-second best option for someone with advanced gum disease; reassess and consider a referral to a specialist if no response to treatment 3) NHS band 2 treatment as an initial course of treatment-this would be standard treatment with the dentist; reassess and consider a referral to a specialist if no response to treatment Please let us know which way Maggie would like to proceed." The tone of the email seems going for Option 3 would almost certainly lead to a referral to a specialist. Should I look for another dentist? Any advice, based on experiences, would be greatly appreciated. Thanks, Maggie
  22. Evening All, question, i'm not sure if its fake news or just to catch people attention, but I saw an article claiming that if you had an over draft you might be entitled to refunds, in a similar fashion to PPI. does anyone have a view, is it true/false.. I mean many moons ago I used to use my over draft and from time to time I used to go over and of course our good friends at HSBC used to charge me the earth for it. frankly I don't see the correlation between PPI and having an overdraft and where I could be owed anything. cheers - Red
  23. Hello, Mods please move or delete this thread if in the wrong section? I took a company to court over 8 years ago, I won, but the company went into liquidation before paying. I understand that the fscs offer some for of help in these situations? But they do require a lot of paperwork , which I no longer have. Is there anyway I can request copies of paperwork from the court hearing? Does anyone know how I would go about it. Thanks
  24. Good Morning. Please could anyone offer advice or shed light on my situation. Hubby and i split 2016 after i discovered he was having an affair, never thought to finacially seperate as lots of things were going on and i was dealing with heartache. Fast forward to June 2017 and we decided to give our relationship another go, i failed to inform tax credits as wanted to make sure that the relationship was going to stick...mistake or not i was stupid. Recieved a letter of compliance asking In Nov 2017 asking for information to be sent as they have links that x was linked to address, called them and told them that i fact i was back with hubby and i was sorry i didnt call earlier, lady told me that as i hadnt finacially seperated and i had no proof he wasnt staying at the property earlier my claim would have to be cancelled from April 2017 and now if things like this happened again i had to make sure i finacially seperate from hubby and that i would be able to make agreed payment amounts to pay back overpayment. Recieved a letter the following week from compliance team saying “ thankyou for disclosing that i was living as a couple, my claim has ended and i would recieve a new award for the year. Following week recieved a amended statement saying if nothing changes between now..nov 2017 and april 2018 i would have a overpayment of just over £4000 but this was still to be confirmed. Fast forward to present day and i still havent received this final overpayment letter stating what i owe. Is this normal? 7 months is such a long time and i am panicking they are looking into other things that could lead to me being prosecuted and being sent to prison. Before our split we had never had to claim tax credits as we were above the threshold. No other benefits we claimed during our split just tax credits. I dont know if i am being silly and worrying over nothing. Shall i call HMRC and enquire when i am likely to hear or just leave it unti they contact me. If anyone can offer even the smallest of advice that would put my mind a rest i would be eternally grateful. Many thanks
  25. 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.
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