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    • Thanks both,   The only thing I am still not clear on is there were 4 DCA's that were reporting on my credit report and as I complained they have stopped BUT there is no default date on these debts. Can they start reporting these debts again on my credit report if I stop paying.   When I tried to re-mortgage a few years ago I was refused as these 4 were showing as in a DMP. Ofc they are not now as I told them it should have defaulted BUT they werent actually able to add the default date - so in theory could this happen again.   Thanks so much for your help
    • I'm afraid these kinds of stories are all too common with this company. The impression is that they're not too interested in installing and maintaining heating systems – but rather the finance behind it. Did you do this on some kind of finance agreement? Was it secured on your property? You seem to be doing everything on the telephone – and I think it's about time you started establishing a paper trail. You may end up having to arrange your own service with their authorised installer and if that doesn't happen then you may end up having to get in your own repair person. Of course ASG will then say that you are in breach of their warranty et cetera and that they are entitled to recover all their money back. You will have to show that you are a paper trail in them on notice and that they're not responding and then eventually you had to take matters in your own hands and organise your own repair – for which you would be going to them for reimbursement and also you would have to establish that you had no choice and they are fully liable – including the not allowed to dishonour a warranty. I'm afraid the stories we are getting about this company are dreadful and frankly very distressing
    • i don't think the matter of you were told the Decreasing Term Assurance was compulsory makes any difference, it doesn't detract from the fact the FOS appear to agree that disp does apply and you are out of time .   i don't think there is any harm going to the FOS with it..BUT although, and this twigged my memory about DISP ( which didn't exist then) but the ABI code did, and i believe that doesn't cover your situation, i'e , the fact it was made compulsory is not against any guidelines that were around at the time.   you could drill down on the ABI coding and see what it advised about lenders making DTA compulsory, but sure as eggs is eggs, by 2005, when disp had arrived..all lenders were forced or had stopped long before making any type of life cover compulsory. so they knew their mis-selling of such was on the cards   Critical illness cover (financial-ombudsman.org.uk)  
    • Or try email request.   [email protected] Request for copy of Judgment Copy Judgment [email protected] General correspondence
    • I've just tried to ring. Number 67 in the queue. I'm guessing it's better to call earlier in the day!
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
      I opted for mediation, and it played out very similarly to other people's experiences.
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
      Many thanks, stay safe and have a good Christmas!
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    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
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      • 33 replies

T-Mobile saying phone is water damaged.

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My girlfriend recently took her phone back to T-Mobile for the third time as it repeatedly turned itself off and eventually stopped working. It never worked properly from the time she had it in May but T-Mobile were always insistant on repairing rather than replacing.


When the phone eventually packed up she took it to T-Mobile who sent it away for repair. It arrived back this week, and they say they cannot fix it as it has been water damaged. This just seems like a big cop out to me, as the phone has never been near water, isnt used in an abnormally steamy or humid environment and has been pretty well cared for.


The fact that was never right in the first place makes me think they are trying to get out of thier obligations.


They say it could caused by being kept in a pocket, used on foggy morning, left in the kitchen while cooking takes places. Well what a load of rubbish, how many people do all of the above without problems?


She has around 12 months of the contract remaining, and the only option T-Mobile have offered is to sel her another phone. There is something does not seem quite right about this. Any one any ideas where to go with this?


If it helps the phone is Sony Ericsson W880i.


Thanks in advance.

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Take the battery out of the phone, underneath where it was next to the connecting pins you should see a white piece of litmus paper. This paper reacts to water. If the paper is white then it hasn't been in contact with water. If it's pink or has pink blotches then this is no good and is probably the reason that they refused repair.


As to how it happened? Well, i guess that T-Mobile can only speculate about that, it wasn't them that was using your phone.


What you can do? Check the litmus paper, if it is white then i would contact T-Mobile to challenge their refusal to repair and explain that the litmus paper is still white. If it's not white, then maybe contact T-Mobile to explain that the phone has water damage and do they offer any form of emergency insurance which covers damaged equipment? There would be some fees i'd imagine but wouldn't be too much i reckon.


Final option is to contact the manufacturer directly as you will have a warrenty with them too (2 years i think for Sony Ericssons) and explain about the water damage and if they can repair it or provide a solution.


Hope it all works out for you!

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Thanks for the reply. I have looked at the white paper on both the battery and the phone itself. Both are as white as white.


From viewing other forums it seems that this maybe a bit of an issue with Sony Ericssons in general.

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Thanks for the reply. I have looked at the white paper on both the battery and the phone itself. Both are as white as white.


From viewing other forums it seems that this maybe a bit of an issue with Sony Ericssons in general.

Write to them saying you have heard that this a common fault with this make and model and you want a replacement

If they cant prove that it was water damaged they have to replace it

Quote SOGA, the phone is obviously not fit for the purpose that it was sold for



Unfortunately i'm not an expert in any given field legally and my advice and that of the Consumer Action Group and the Bank Action Group is given without prejudice and without liability so please if in any doubt whatsoever seek help from an insured qualified professional. Contents of my posts are purely my own personal opinions and not condoned or endorsed in any way, shape or form by CAG. Thank you! :p



I have been smoke-free for 4yrs

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  • 3 months later...

Hi i had the same problem!!


you need to update the software and it should start up again.


my phone has been doing this a few times now which is quite annoying ..

i think its just sony ericssons :S ..

my phone kept turning off and on again ..and then it just wouldnt start up..the battery was full so it couldnt have been the battery.

Sony ericsson arent much of a help either compared to tmobile...


so i thought let me download the new software for the phone and it worked!!


try it out :D ..hope it works for you!!

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