I have 2 defaults on m credit record from Hutchinson 3 UK which i am having massive difficulties resolving. On Experian they both have an outstanding balance. I have called 3 who have stated that there is no outstanding balance, but that it has been written off as "bad debt". Apparently it went to a DCA May 2017, who then sent it back to 3 at some point in November 2017 as uncollectable. It was uncollectable as i had move out of that address 4 years ago......when i moved i called 3 and asked my my address to be changed. Obviously that didnt happen, and then beginning of last year i called to cancel my contract(outside of terms, i had been with them for 4 years). The last bill i never received as the address on the account hadnt been changed. Whatever though, thats not really the issue. The last week i have been trying to make payment for the arrears to get to marked as settled on my credit report. Three wont take payment as its been written off, and the debt agency it went to apparently hold no records as it was returned to 3 over 6 months ago. Just looking for some advice on how to get this resolved? I've raised a complaint but need to wait until they respond at this point. What i want is for the default balance on my credit file to be a big fat 0. If three are unable to take payment off me so i can clear it, then i would like them to report it as being 0 if they have written it off

Hi, I know there are a fair few similar threads here about the same type of things but I wanted to put down my details here in case there is any guidance with my specific situation. I recently started looking into my credit report after being refused for a credit card. I generally don’t use credit products but was advised that I should as I’m looking to get a mortgage in the next 2 years. I found I have 4 defaults on there. 2 From Yorkshire Water. One from Lowell (relating to a BT account). One from Hutchinson 3G (Lowell). The 2 Yorkshire water default are being removed after conversations with them. These were at 2 addresses I was registered at living in but never actually did. (A bit complicated, I rented a room in a property but was living with my girlfriend at the time. Early relationship, needed back up) The Lowell default relating to BT is from one of these properties, but I put my name on the account so I accept this one. The Three one is where it gets a bit more complicated. My Mobile Phone contract is with Three and it has been for 7 years. I have never missed a payment or been late with payments. The problem with the default is that it’s showing separately and is registered at my parents address. I live there when I was younger but not for about 12 years. My father has the exact same name as me and lives at this address. I believe this default is related to him in some way but I have tried contacting Three and they can’t find any record of the default. On the credit report it looks to be linked with my DoB but once again, I have no idea why. It’s getting increasingly difficult getting any information out of Three in reference to this so I’m a little bit stuck. Any advice on what my next steps should be in terms of both of these outstanding Debts would be great.

Hi, My mother has been using Three mobile for her broadband (she lived in a caravan, and later a flat, that were unable to have Virgin/Sky installed). For all of 2017 she lived in a flat with a 6GB internet allowance, over the year she went to her limit twice. Purchasing a 2GB extension each time, she had no issues. In November, following weeks of issues, she went in to the store and complained and got upsold a new contract. 20GB allowance, plus she had BINGE (which allowed free watching of Netflix without using her data), her data would be capped and stop automatically when she hit her limit, but 20GB would be more than she needed (she was informed) November she used 8GB, December she used 8GB. In fitting with what she'd used before. Then in January, she suddenly jumped to 12GB, 19GB in February. No explanation for her sudden jump, she only uses facebook and searches on google for stuff. There's no downloads or streaming (apart from Netflix, which is not included in her data usage, it has a separate part). Apparently most of this usage was on Mondays, when she's only in the house for 4-5 hours at most. In March though, she had the real issue, when after 2 weeks she found that she was unable to access the internet. Anytime she tried she was told she was past her limit. 20GB, in two weeks! Still no explanation as to why it jumped so much. I went on her account to check her details. Imagine my surprise, when despite constantly being told "You have used your allowance" and being unable to connect to anything (Including Netflix, which was supposed to be free, but was for some reason cut off when she hit her limit), on her charges it listed a further 6GB that she was OVER her 20GB allowance (despite being capped and cut off, as was requested and told would happen when she had the contract) The 6GB over use, came with a lovely £53 charge. She only pays £15 for the 20GB, so it's extortionate to charge nearly 10x that amount on a per GB pro rata rate, but it shouldnt have been possible to go over. Naturally, we called Three to ask what had gone on, and had a very rude staff member tell us "You cant say you only use so much data each month. We know you used a lot more" we asked how, and why it went up so much, given her habits have been the same for about 4 years now. "I dont care, you cant tell me I'm wrong. You owe use the money" Then we were cut off. One rude customer service agent. Possibly hung up on us, maybe a real disconnection. So we called again, and got basically the same response and also got told that the store could not cap her usage, so she owes them the money. Unhappy with this, we went through their Resolver complaints procedure, and this is where we now stand. They have admitted: *They should have capped the account *Mum should not have been told it was capped, if it wasn't *The £53 charges are not fair They have said: *Mum cant cancel her contract, without paying them £70 early cancellation charge, despite them not giving her what she was told she was getting. They have offered: *My mum stays with them, and pays the £53 charge, along with her £15 bill *To make up for their mistake, they will give her £40 credit towards her next bill *They will now cap her account. Leaving my mum, with an internet account that is still using an insane amount of data for facebook and google searches (she changed the password too, in case someone was using it somehow). A £13 deficit after the £40 credit, and no real apology, given that the £40 apology doesn't even cover the charge that they shouldn't have been able to add anyway! She currently has her Three Mobile broadband unplugged and is just sticking to her phones 4G data (10GB a month, different provider, no issues). Is there any advice for how to reply to Three now? To me, I was sure this was a breach of contract on their part. Because at the POS she was told she was getting a capped internet (that would stop at 20GB), with unlimited netflix. She was given an uncapped internet, that had a 20GB limit before incurring extra charges, and netflix that stopped when she hit the separate 20GB allowance. Leaving her to go 6GB over, despite not even being able to go on the internet. Thanks for any help

Hello Friends, I am a Leeds city resident and I got three parking tickets in a span of two weeks. There are multiple issues with these PCNs as I spotted some discrepancies in councils guidance on the time limits. Few years back Leeds city council has introduced a mobile based parking solution by partnering with a company called parkmobile. Being a daily commuter I really love the convenience of the app though it charges 25P convenience fee for each transaction. The way the app works is as below: Step 1: Drive to the intented parking space and open the app. Step2: App presents the user a map with the exact location of your car by using mobile’s gps location. The map also shows the parking machine Ids on the map corresponding to the street. The same ID is also displayed on the parking machine with big, bright and bold letters so that any one can see it from far distance as well. Step 3: User selects the parking machine ID and click on pay now button Step 4: App asks user to re confirm the Vehicle registration Step 5: Counter starts The beauty of the app is that it also incorporates any timing restrictions that may have been imposed on that street parking machine (for eg : Maximum Parking Duration 2 hours), Price list for each of the hours (for eg 0-2 hrs – 2£). My case: Now coming to my case, I drive a fully electric car and Leeds City council incentivise all EV drivers with a free parking permit(to be displayed on windscreen) which enable EV drivers to park for free on any of the city’s street parking spaces. As I am so used to the parking app since its launch I always use it to check the parking restrictions and payments etc. On this occasion I parked on a street named as ‘Edward Street’ which has 2 hour maximum parking rule according to council and as per the front facia of the parking machine. But to the contrary on parkmobile app it was tagged as full day parking. Following the guidance from the parkmobile app I simply parked on the street came back in the evening only to find a PCN attached to Windscreen. Later in the week I started parking in a different street and it has also got similar issue and ended up getting another PCN. . Finally I ended up in getting 3 PCNs I was so desperate to speak to the Enforcement officer. Luckily I got hold of one of the officers sooner than later and explained the situation. Officer heard the whole story and agrees that there is a problem and council has to correct it. Officer also advised me to park in another street near by where the parkmobile info marry up with the front facia info. Since then I stopped getting tickets. Current situation: Current situation is that I appealed all the PCNs and council politely rejected and sent a NTO letter on my wife’s name as my wife is Registered Keeper of the car. Way forward: I am thinking to take a video of the whole situation, parking app usage video and put similar explanation as above in my respresentation to council. Questions I do have now: 1) The NTO letter is on my wife’s name, As me being the driver at the time PCN issuance can I do the representation? 2) How strong is my case and what are the chances of cancelling the PCN by council after my representation? 3) PCN states a contravention code as “06 – Parked with out clearly Displaying a valid pay and display ticket or voucher”. I think rather it should state “07-Parked with payment made to extend the stay beyond initial time” as I am displaying the council permit on windscreen all the time. Does this discrepancy invalidates the PCN? 4) Does council accepts the video as evidences in representation? 5) Any other suggestions please ?

I have been a Three customer for a few years recently ended our relationship on the basis that I consider that they have breached our latest contract by not providing the service as expected. Since the first year I have been with Three I had to constantly complain about the quality of the service, in particular the fact that I had no phone signal at home and little signal everywhere I went in the UK, from Cornwall all the way up to Scotland. I had at most three bars, but more often one or two, with the result that I was unable to make calls or calls were dropped in the middle; this even happened regularly when phoning Three support. They would also often complain that they couldn’t hear me properly when I called them. Each time I complained and also when they were trying to get me to sign an update contract they promised that the network was being improved and promised that within the term of the contract it would get better and to compensate me for the poor service at the time they gave me a 50% reduction on my monthly payment they also sent me a device to connect to my internet router which gave me a three bar signal at home some of the time. This pattern was repeated each year until this year. I renewed the contact and upgraded my phone in March this year, but found instead of improving the signal got worst. I complained to them again, they said there was nothing they could do about it and refused to provide any sensible discount in lieu of the poor service. I decided I had had enough. I therefore told them that as far as I was concerned they were in breach of the agreement as they had not provided the service they had been contracted to provide. I then went to O2 instead and now have a fantastic full strength signal almost everywhere I go! Of course Three don’t acknowledge the breach and have sent a bill for over £900 which they claim is due for cancelling the contract. I don’t intend to pay this bill and will defend my position in court if necessary. However, my main concern is that they will probably mark a default on my credit file which I do not want. my first question is this; can they legally issue a default, or mark a file over an account which is in dispute? If not, is there anything else I need to do to ensure the account is legally recognised as in dispute? Thanks.

Hi, I am knew here so I hope someone can assist. About a week ago I got a court claim (from Northampton) from Lowell Solicitors for a debt with Three mobile. Long story short, went through a nasty divorce, family mobile contract in my name, due to "hostilities" I stopped the contract, in the furore I forgot about it, thought ex had taken the contracts over. Lowell have sent the matter to court and was wondering what I should do next? I have sent in the acknowledgement of service and stated intend to defend in full, however would be grateful for some words of advice regarding what I should do next please. I have no income so this is a bit of a nightmare to me! Hope someone can advise. Thanks

How can my Mother cancel a 12 month contract when it comes to an end without telephoning? Tenmencount

One in three nursing homes in England 'fail safety' READ MORE HERE: http://www.bbc.co.uk/news/health-40499567

Can anybody offer any constructive advice please? My daughter was involved in an accident on 29th April last year and her car was declared a write off and removed the following day by her insurance company who took all the documentation and paperwork including the V5. She tells me that she sent off the section 9 part to inform the DVLA that the vehicle was now transferred to her insurance company and thought that was that as far as the DVLA was concerned. However, in September, she received a Late Licencing Penalty letter demanding £80, as she hadn't renewed the licence or declared SORN! She telephoned the DVLA, (I know, big mistake, she now knows to get everything in writing!) who claimed to know nothing about the accident or it being written off or that her insurance company had taken the car. The DVLA followed this call up with a letter dated 12th October, stating that they had now received the section 9 and acknowledged that she was no longer the keeper of the vehicle but that they still wanted their £80. However, they said that if she paid before 2nd November, it would be reduced to £40. This is only 21 days and I was of the understanding that the law states that they should allow her 28 days? I only found all this out since the penalty has been handed over to a debt collection agency who are now demanding the £80 on behalf of the DVLA. The DVLA have washed their hands of the matter and will not respond. The debt collection agency have put things on hold for 30 days. I am of the opinion that instead of owing the DVLA £80, they owe my daughter £45! (three months refund of her tax) Where do we go from here?

Guys. I am with THREE (not for much longer) on PAYG. I hardly use the phone at all for anything other than receiving calls and the occasional text or call out. The package is the 1,2,3 so is very cheap and a £10 credit usually lasts me months. I topped up on 24 Jan and that would normally be it until maybe May or June. But yesterday I received a text from THREE asking if I want to top up. The balance was £0.59 Now I know I have not used it and I always have mobile data switched off, so wanted to know where Three has used my money. I logged into my3, but as I am PAYG there is no billing available, today I called them and asked for a breakdown of how they used my credit. They point blank refused to tell me as 'that is not available to PAYG customers' Surely this cannot be legal. They can effectively just fritter away my credit with no accountability. Can anyone help with this? I know it is pennies, but it is a lot to me. I asked them for a PAC code 17 times before they finally stopped asking me why I wanted it and caved in when I demanded it as I am entitled to have it!

I received a letter from Northampton County Court over an alleged bus lane infringement in which the amount was £195 made payable to Harrow Council, the date of the alleged offence was 06/03/2015 at 11.28. I had never received any correspondence from Harrow Council about this ticket, I had to do a notice to owner to send it back to it's original PNC. Now the bus lane in question I know very well and have done for almost twenty years, the end of the bus lane you can enter two lanes , the right hand side to go up towards Harrow on the Hill, or Roxeth Hill, the left hand side to go straight up or turn left, now what happens is there is a box junction so the right hand side stops until you can go on, I crossed the bus lane to go left I believe but because of the length of time I can not remember what I was doing that day. The reg is correct, you can clearly see the make of the car on the photo yet on the part of the form where it has Vehicle make, it has unknown which is strange. Now I thought you were allow a certain distance to enter the bus lane towards the end of it to turn left, I may be wrong, do I have a leg to stand on to appeal, now there is one photo and you have to pay £10 if you want to view any additional photos on line, it's free if you go down to their office.

The above have today issued a county court claim for Three mobile for a debt they bought many moons ago and I thought was statute barred. They subsequently wrote to me and said that as I made an offer in 2012 to pay and never paid it is not. (this was done as part of DMP which I could not complete due to loss of income and breakdown of a relationship) I want to know if I can use the CPR18 as part of my defence as I asked them before to send info such as credit agreements etc and they have failed to do so. I have sent the acknowledgement back to the court. Is there anything else I can use in my defence as I really do not want a CCJ and I cannot afford to pay this debt in full at present. It is incredibly co-incidental that they have issued this before the debt pre-action protocol comes into force in October! Thanks in advance for any advise received.

Hi, I'm a customer of Three and am currently on contract. My Sony handset has broken, and through no fault of my own. The screen has literally just come away from the frame, without being dropped or anything. Three do what they do best - wash their hands of the situation and refer me to Sony. Sony are taking ages to sort it out, it's been almost two weeks since I first called Three and they referred me. All this time I'm paying for a contract and I don't have my handset! Where do I stand from a legal point of view? The sale of goods act covers me, as the phone was bought before the newer laws came into effect. And from what I understand, it's the responsibility of the retailer? And they should do it in a reasonable time so as not to cause me inconvenience? It's causing me inconvenience. I don't have my phone, which I need for many reasons. So would I have a strong case to take Three to court via small claims? I'm really sick of these large companies, and would love to be able to send in the bailiffs. I did try to upgrade early, but Three want a fee to do so, which I'm not willing to pay out of principle. I only have 3 months left, and it's not my fault my phone has fallen apart. From what I understand it's a design flaw with the z3 compact. Any advice would be appreaciated.

My partner and I have both been relatively satisfied customers of 3 mobile since June 2013 until the last 6 months or so, as in and around our home we keep having complete signal outages where call attempts are either completely unsuccessful or drop after 30 seconds or so. Once I gave up and drove 20 minutes to see the business I was trying to call (they had thought I was prank calling as it kept connecting then cutting off!). Once I was making an essential call to ESA - an 0345 number - calling first thing to avoid queues, but ended up having to use my landline costing me money (and almost 20 minutes in a queue after faffing around trying to make the call). At this point on 16/09/16 I put in an online complaint form, part of that was asking them to pay the £2.47 the call cost me, as the cost was only incurred due to their not providing the service I pay for - to date no response whatsoever. Then the last straw on Friday, waiting for a text from my brother - kind of important since we were arranging to meet in order for me to to drive us 65 miles to see our dying grandfather! BUT just at the wrong moment - no signal! Causing me severe distress and an almost panic attack, in case we missed the visiting hours on possibly our last visit. Luckily my partner used his old phone to call my brother. Then his text turned up when we were nearly there, 2 hours later - thanks for that 3! To give some context - I am suffering severe mental health issues just now and this is not helping. I need my phone to liaise with ESA, keep in touch with family and await the inevitable call about my grandfather. Adding insult to injury, they keep telling me to use ThreeIntouch - well I would, if it was available for windows, which is the phone you sold me!! Again, thanks for that. I used the online complaint form on 16/09/16 and not had any reply whatsoever. There are no email addresses or any other useful way to complain. I suppose I will have to write a letter, paying for printer ink and proof of receipt postage. Currently waiting for a response from the twitter team, tagging them to show my full story and writing this to see if anyone has any ideas / has had experience dealing with 3 complaints procedures.

Claimant Lowell's Date of issue: 09 Dec 2016. What is the claim for the reason they have issued the claim? 1) The Defendant entered into an agreement with Three Mobile under account reference xxxxxxx (the Agreement). 2) The Defendant failed to maintain the required payments and a default notice was served and not complied with. 3) The agreement was later assigned to the Claimant on 21/08/2014 and notice given to the Defendant. 4) Despite repeated requests for payment, the sum of £193 remains due and outstanding. And the Claimant claims a) the said sum of £193 b) interest pursuant of s69 County Courts Act 1984 at the rate of 8% per annum from the date of assignment to the date of issue, accruing at a daily rate of £0.042, but limited to one year, being £15.47 c) Costs What is the value of the claim? £283 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Three Mobile Dongle. When did you enter into the original agreement before or after 2007? After. Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt purchaser. Were you aware the account had been assigned – did you receive a Notice of Assignment? No. Did you receive a Default Notice from the original creditor? No. Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No Why did you cease payments? Mobile dongle returned not fit for purpose. What was the date of your last payment? 2013ish I can’t remember. Was there a dispute with the original creditor that remains unresolved? No. Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No. I logged onto MCOL and did the following: A claim was issued against you on 09/12/2016. Your acknowledgment of service was submitted on 13/12/2016 at 18:44:22 Your defence was submitted on 13/12/2016 at 18:59:56 Your defence was received on 14/12/2016 at 08:02:27 Your acknowledgment of service was received on 14/12/2016 at 08:02:28 My defence was/is as follows: 1. The Defendant entered into an mobile dongle agreement with “Three”, the contract was mutually terminated as advised by “Three” Customer Services as the mobile dongle wasn’t fit for purpose, in that it didn’t receive any data as designed. 2. “Three’s” coverage software was inaccurate stating it would work within military accommodation at the xxxxxxxxx and it didn’t. 3. After numerous recorded telephone conversations with “Three’s” Technical Department and Customer Services the Customer Services operator advised the Defendant to return the mobile dongle to “Three” and the account would be closed with no more monies owing to “Three”. 4. The Defendant sent the dongle back to “Three” in a padded envelope as advised by “Three”. 5. Paragraph 2 is denied. The Defendant denies failing to maintain the required payments to “Three”. It is not admitted that any valid Default Notice was ever served. It is denied that I have failed to respond to demands for payment sent by the claimant and/or its agents. The Claimant is put to strict proof that any such demands have sent to me by the claimant. 6. Paragraph 3 is denied with regards to the Defendant being informed the Agreement was assigned to the Claimant. Claimant has yet to disclose any such documentation as requested by CPR 31.14 The claimant is put to strict proof to: (a) show how the Defendant has entered into an agreement/contract; and (b) show proof the Defendant was sent default notice andtermination notice/demand notices; and © show how the Claimant has the legal right, either understatute or equity to issue a claim; and (d) show how the Defendant has reached the amount claimed for. 7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 8. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974. 9. Notwithstanding the above, should the alleged amount claimed include an early termination charge(s) amounting to the entire balance of the remaining contract. OFCOM guidance states that any Early Termination Charge that is made up of the entire balance if the remaining contract is unlikely to be fair as it fails to take into account the fact that the provider no longer has to provide and pay for their service. 10. By reason of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief. I sent a CPR 31.14 request on the 14th Dec recorded to Lowell Portfolio Ltd and Lowell Solicitors Limited. On the 16th Dec I received an acknowledgement receipt of your defence stating claimant has 28 days to proceed. On the 17th Dec I received a Notice of Claim Issue dated 14th Dec from Lowell Solicitors as follows: As you are aware, we represent Lowell Portfolio I Ltd. We have now issued Legal Proceedings in the form of a CCC which you will shortly receive directly from the NCC as you have failed to make payment towards this debt or respond to our letter of claim. It then goes on about totals and what you need to do now. As I received their letter on the 17th Lowell Portfolio Ltd and Lowell Solicitors Limited both signed for my recorded CPR request. From Lowell Solicitors a letter dated 30 Dec, envelope says 03/01/17 and was received 6th Jan as follows: Thank you for your letter dated 13 December 2016. We note the contents and write to advise you that the documents have been requested from our Client and we will forward these onto you upon receipt. However, legal proceedings have now been issued and you are required to respond to any court documentation that is sent to you. We look forward to hearing from you. I have heard nothing since either from the Court or Lowell's, I think if my maths are correct that the claim is now stayed 14th Dec – 19th Jan even allowing Bank Holidays its been 36 days. So do I leave it stayed or request it struck out?

Hiya, I have recently found myself in some sever financial hardship due to my son needing surgery and have fallen behind with my phone bill. Today a guy from three collections found me and was very aggressive and told me that I needed to pay to day. I don't have money until the end of jan and explained that I have just come out of hospital with my son and there was nothing I could do. He told me that the services were suspended and that they are at risk of being cancelled. ~This is my son's phone who has autism and epilepsy and needs it for emergencies. The guy then went on to tell me that I could get friends or family members to pay the bill and until they receive the money I would be getting phone calls several times a day! Can they say these kind of things? My son is still suffering complications from the surgery and they are not willing to accept any lower payment. I am a mess with anxiety and just don't know what to do for the best.. we had a rubbish christmas and then to be hit with this is just sending me into panic If there is anyone who can offer some advice I would be very grateful. Many thanks Vix

Hi all. Three have in the past switched me to contracts without explaining fully what I'm gaining/losing. I ended up losing quite a lot, without them telling me so. I was meant to lost nothing in terms of allowances. They've admitted they did wrong and are trying to rectify it, but (very) insufficiently. So I am considering going for deadlock and taking the case to Ombudsman level. Would you recommend this? I previously posted regarding this but got no responses (as the post was a wee bit lengthy perhaps). That post is called "Three mis-selling - mission to rectify!", posted a few days ago here in telecoms. Sorry, I couldn't paste the link as forum won't let me. I actually need to get back to them within 24 hours or so now, so replies would be very much appreciated!

Hi there, seen a lot of people able to help out others in sticky situations as this one, so here goes! My daughter, now 20 received a letter (maybe 2nd/3rd letter? she can't remember) from the RLP stating she must pay the £150 owed 'where it is alleged you were involved in a wrongful act and were apprehended as a result of your actions' at a TK MAXX store in 2012. When this first came to my attention and I looked over forums like this, I was told that letters from the RLP are all threat and no action, and was advised to ignore them as they tend to disappear within 9-18 months. She said she was taken into the security room, and held for 5-10mins, police weren't called and the goods that she took her were returned. Should we be worried that it's now three years on, and they're still writing to her? Will my address be marked/blacklisted because of this as she still lives at home, as her home address is my home address. Thanks in advance!

Hi all, So I had a 30-day phone contract with Three (£13/month). On 12/09/15, I called them up, notified them that I wished to cancel my contract, and requested a PAC code. A few hours after the phone call, I used the PAC code with Vodafone. I was told by the person on the phone that I would be charged roughly £1.30, for a pro-rata rate. Today, I discovered that there is a pending payment for £13.00 in my online banking (for the date 28/09/15). I called up and asked why - Three claimed it was an 'Early Termination Fee', since I did not serve my 30 days notice properly. They also said something along the lines of I used my PAC code before the contract was up??? Could anyone more familiar with this things please explain if this is correct? If I have been incorrectly/unfairly charged, I would like to dispute it. Many thanks CAGers.

Cant beleive what they've done!! So...i have a few debts and normally just ignore all the letters and carry on with life,but recently decided i should try and get rid of the debt incase i ever need credit. I owed three mobile around £150,so i called them up and set up a payment plan,they said no further charges would be added as long as i cleared it within 3 months and didn't miss one payment whatever the amount of the first payment was is the minimun i could pay next time so i paid £15,next week i ring up and pay £30, as i had a bit extra and thought it would help,just rang up now to make a 3rd payment for another £30 and after being put on hold for 30 mins twice i ring a 3rd time today an ask for a manager,i finally get through to someone where i'm informed that the account is closed and any further payments must be made to lowell portfolio!! so although i haven't missed a payment they have sold the debt on?? i really dont know why though as i was paying on time and more than the minimum. i asked the date that the account was sold and i'm told it was in june! so i ask why they took two payments from me in the last 2 weeks if it isn't there account any more??? "dont worry,it will help you lower the debt" is there response! i then got annoyed,shouted at him and slammed the phone down **feel free to move this of it's in the wrong section**

Myself and three other students currently occupy a privately rented property in Southwark, London. The flat is pretty run down and we seem to have been stuck with a landlord who doesn't want to shell out any money despite the fact that we are paying £145 a week each! As soon as we moved in we noticed the washing machine door was bent and didn't catch properly, so we immediately informed the lettings agency who informed the landlord on or behalf that it was damaged, however he declined to have it looked at or repaired. After one initial breakdown that I managed to repair it packed up for good 02/10/15, so I immediately got onto the lettings agency again who informed the landlord that day that the washing machine had totally broken and there was nothing we could do about it. A couple of days later, instead of taking our word for it he sent a repairman round who took one look at it and said it was beyond repair and would have to be replaced, which was communicated to the lettings agency that day. After several more days we had heard nothing more on the situation and with mounting piles of washing I again contacted the lettings agency who said that the landlord was ordering the white goods (the engineer also recommended replacing the freezer) that evening - 12/10/15. After hearing no word from the company for three or four days I emailed them again, to which they replied that they would chase up the landlord. Now finally after weeks of pestering the landlord has finally ordered the goods to be delivered this Sunday (25/10/15). We have gone over three weeks without a washing machine simply because the landlord was too lazy to sort out a replacement despite being given several reminders, and we have had to pick up the cost of that. The house was furnished with white goods as part of our tenancy agreement and it is the landlord's responsibility for their maintenance, would we be entitled to ask for compensation? As essentially the landlord has failed to provide a service that we have been paying a huge amount of money for. All help would be appreciated, Cheers!

Hi I'm currently in a back and forth with AppleCare regarding my Macbook Pro, which I purchased in from Apple's online store in 2012. I also purchased AppleCare for £279, which is due to expire in November. At that point, I'll have had the machine for three years. I've had three repairs on the machine so far. I've had the screen replaced twice, within a couple of weeks of one another, and then the bottom case replaced (a screw hadn't been tightened properly and came loose, scratching the bottom case in transit). I've been offered a fourth repair, after which Apple said they would seek to replace my laptop if the problem persisted. Given that I keep having issues with the screen, I requested a replacement rather than a fourth repair. My argument is that in the three years I've had the laptop, it has rarely worked the way I would've expected. After doing some reading on Apple's own website about consumer law/SOGA, I decided to pursue that route instead, and request a replacement. Apple obliged, and have arranged an independent, Apple certified technician to have a look at the machine and decide whether the fault was caused by misuse. From Apple.com Since I've had three repairs, does this not mean that I have the right to withdraw from the contract? I don't want a full refund, though. I just want a replacement laptop. I now want to know whether it will be feasible, if the results come back in my favour, for Apple to replace my MacBook rather than repair it again. I've had to go back and forth to the Apple store multiple times with this laptop, and as a result have spent almost a month without a machine, so I don't think it's unfair for me to say enough is enough. Where do I stand legally in this matter? Any input or advice is appreciated. Kind regards

Good day all. This is a very good forum and I have an interesting case I'd kindly like some advice regarding. I've been with Three for a number of years now. I used to be on their One Plan where I got 600 mins, over a thousand texts, and unlimited data with unlimited tethering. When the contract ended and it was time to upgrade, I wasn't pleased with the phones on offer so I asked if I could continue with my current phone and current contract but with a lower monthly price. Person on the phone obliged, but what they didn't tell me is that I've lost my tethering ability, and some of my minutes have now been replaced with three-to-three only minutes. When I realised I couldn't tether I initiated a complaints process but found it so tediously long that I gave up half way. However, more recently, I began a new job in which I really needed tethering and so this time I re-initiated the complaints process and took it further. The best they were able to give me was 4gb of tethering. It's not the same as unlimited but I went ahead with it anyway as I really needed it and didnt have infinite time - which seems to be required to #makeitright with Three. However, at the beginning of this year I went above my minutes allowance and it was then that I realised that instead of having 600 mins, I only have about 200 and the rest being three-to-three only. This time I've had enough and I am proceeding to either the Ombudsman service, or complete and permanent termination between me and Three for good. After several rounds of email exchanges with India-based operatives, by complaint has finally reached the ‘Three Executive Office’. Here's what they said: { Hello Mr Thanks for your email. I’ve been looking into your concerns about the upgrade and change to the tethering allowance, from what you had before on your earlier price plan. You called our customer services on 26th April 2013 and discussed the options for upgrading your account. However, as the phone you were looking for wasn’t yet available, you decided to move on to a one month SIM Only plan. You called us on 16th June 2013 to say you couldn’t use tethering services and notes on your account show you were told that tethering wasn’t included on the new plan. The notes also mention that the call ended unexpectedly and we were unable to get back in touch with you. There was no more contact from you about this until January 2015, when this same matter was investigated by our customer relations team. The original upgrade call was listened to and we confirmed that you were wrongly informed that the SIM Only plan you chose did include a tethering allowance. As a resolution, you agreed to let us change your plan to SIM Only, 200 minutes and ‘all you can eat’ (AYCE) data, with a 4GB tethering allowance, plus no change in the monthly charge. We then received an email from you in March 2015, but unfortunately, your email didn’t pass our data protection requirements. You then sent more emails to us, in September and in October, when we confirmed that the One Plan was no longer available and that none of our plans now offer an unlimited tethering allowance. Our email to you on 16th October was in reply to an email from you and again explained that the option of unlimited tethering wasn’t possible. We reiterated that you had agreed a change in price plan to one which gave you a 4GB tethering allowance and we applied a £50 credit to your account. This covered the cost of six months of charges, £30, for the add-on you bought giving an extra 1GB tethering, along with a refund of the £20 ‘out of bundle’ charges you had incurred. Just to be clear, we won’t be able to return you to the One Plan, or give you an unlimited tethering allowance, as we no longer offer either of these. The maximum tethering allowance that’s available on our SIM Only plans is 8GB. I’d be happy to move you onto the one month SIM Only AYCE data, 600 minute, with 8GB tethering plan. This would normally be charged at £25 a month, but I would include a £5 recurring discount, so you’d only pay £20 a month. This will be our final position. Since more than two years had passed since you contacted us about this matter and you accepted a change in price plan in January 2015, we won’t be able to provide you with a deadlock letter. If you wish to accept my offer, just get back to me by reply and I’ll be happy to arrange this. If not, I can confirm our final position to you by letter. Thanks Luke McKeown Three Executive Office } This executive seems to be using the fact that I gave up on their almost never-ending complaints process as a defence. I am currently paying for 200 mins any time any network, 300 mins three-to-three, unlimited texts, and unlimited data with only 4gb of tethering. Currently paying £12 per month. Whereas what I should be getting (for the same price, carrying on from when my One Plan contract ended) is 600 anytime any network minutes, at least 1000 texts, and unlimited data with unlimited tethering. This is what was promised to me when my One Plan ended. So, my question is, should I go ahead with taking this to the Ombudsman service. I certainly am not happy to pay £20 per month for what is actually less than what I should be getting. The executive has since emailed me a follow up asking me to reply and accept and has even posted me a letter saying the same - it seems he is rushing to close this. Your thoughts and advice would be much appreciated! I will update you all on what happens. I have 5-6 days to get back to him. Many thanks indeed!

My husband had a contract with Three Mobile for his IPad. He noticed that payments had stopped going out, this was in January 2016, so rang up to check why. Three told him that the contract ended last November, so that was fine and we thought no more about it. Until, a debt collection letter appears, claiming that the last two payments were never made, totalling £50, and that they now want £341! Never had ANY letters or emails or texts to say that payments weren't paid at the time, no reminders or bills, nothing. And no mention of this when my husband called to query why payments had stopped, only that the contract had ended months before. He rang the debt collection agent, who sounded like they'd heard this complaint many times before, and immediately handed it back to Three. He called Three who are digging their heels in, despite my husband offering the last £50 there and then to resolve. What do we do about these disgusting underhand tactics - and would strongly advise against anyone using this disreputable company.

It could take Whirlpool more than three-and-a-half years to service and modify all of its fire-risk vented and condenser tumble dryers, new Which? research can reveal. With owners of fire-risk dryers already being told to get in line and wait up to 10 months for their machines to be serviced, it’s emerged that it could take Whirlpool several years to service the almost four million machines it says are still in UK homes. 5.3 million fire-risk dryers were sold to UK consumers between 2004 and 2015, made up of 127 models from Hotpoint, Indesit, Creda, Swan and Proline. Parent company Whirlpool hasn't released the names of the 127 machines, and is instead asking customers to check online or call to find out if your dryer poses a fire risk. But even once you find out your machine is at risk, you could be in for a long wait for a repair. What you can do if you own a fire-risk dryer If your dryer has a green dot sticker on the back panel, inside the door or on the door rim, it will be a newly produced machine and not affected. If there’s no green dot sticker, it will need to be modified – call 0800 1510905 or go to safety.hotpoint.eu (for Hotpoint, Creda and Proline) safety.indesit.eu or safety-swan.eu to register for a modification. Read more: http://www.which.co.uk/news/2016/04/three-and-a-half-years-to-fix-fire-risk-tumble-dryers-438193/ - Which?