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    • hi all. bit of advice please. I had a Three contract up until November last year. At £11pcm for 24mths. Paid every month on time via their online portal. When I ported over, I received a letter from Three thanking me for being a customer blah blah blah.. It also said IF I owed anything a final bill will be sent. No final bill ever received - I get a phone call around the first week in December form an Indian sounding man who was extremly difficult to understand. Said he was calling from Three, and wanted me to confirm my details - something of which I didnt as something didnt sit right. He said I could log into my account and review my bill as I owed money and then hung up. After the call I thought I'd best log into my account just in case.  Couldnt log in. Account access denied. Logged on to chat - they said as I ported over and I was no longer a customer my access was suspended. Couple of weeks later I had another call from a local area number and answered again it was some Indian guy telling me I owed money, wanting me to confirm details. I refused and he said details will be sent out to me to my email on account and my home address as it was important. Once again nothing.. 15th Dec I received an email from PastDue in my name RE Three. Email stated they were contacting me about Three an I should receive a letter soon regards to this matter. Says about visiting their website.  22nd Jan another email form Pastdue. Stating they have yet to receive a response to the letter, and they had already sent me an email about this. We will continue to contact you until this matter is resolved. Again asks me to login. 23rd Jan letter received dated 13th Jan. Titled "We are here to help keep your Three Services"  Claiming I owed "Airetime Balance £201.43" and contract period was 26/11/2019 to 25/11/2020 States "We have been appointed by Three to recover the amount of £201.43. If you pay this amount in full Three may be able to waive the cancellation fee and reconnect their service for you" - what cancellation fee / re connection??? I ended the contract giving the 30days notice and paying the last bill.. Then the normal crap about its important to pay. If I'm experiencing difficulties etc. Now both December and  January Credit reports from ClearScore, Credit Karma, Credit Expert, Totally Money and Equifax all show Three as Closed and balance as Zero. (Date Satisfied /closed 17th Nov, bal 0, last updated 30th Nov) I've had nothing from Three. As far as I'm concerned I owe nothing as no final bill and no access to the portal. Should I email PastDue and do a prove it & attach proof of Credit Reports being £0 or do I do something else?  
    • Hi she did say she was cancelling and returned the equipment. It looks like they put her on a rolling contract for 24 months when she phoned before trying to reduce her payments as they kept going up. I know Sky haven't done that to me. She didn't see that email as she's had lots of stressful situations. No.letter in post or when she originally phoned about reducing her bill well over £100 they didn't tell her about this contract. Like you say there should be recordings. BT mobile contract is separate to broadband and the cancellation fee is for the broadband. They have blocked her mobile so she can't use it and that is a contract. She is phoning CAB in the morning and checking through her paperwork. I'm quite happy with Sky as they tell you upfront what is happening and have never rolled over my contract. Thanks for taking time to reply it is much appreciated. 
    • I've sent an email to a press contact And one to a journalist at the BBC!
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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!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 31 replies

Equifax your time has come!


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This is a very good petition to sign as well. If we were to start one off like this about CRA then we all could put our own experience in about the CRA's :D

 

Against the nomination of Tony Blair as "President of the European Union" - Petition - Sign this petition here - Signature page - GoPetition

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LOL,

The whole credit system needs overhauling as it encourages people to borrow more and more until they hit a financial meltdown where by another load of parasites start picking your bones:mad:

Hindsight is wonderful......

 

But now knowledge and advice are life savers:D

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I have had both my CCJs set aside by the courts. Experian have removed one but are refusing to remove the second even though I have checked the Registry Trust's records which now show that there is nothing registered against my name (and told them this). I have just noticed that when removing the first one, Experian had removed the wrong one and now having received notification from the Registry Trust to move the second they are refusing to remove because the case numbers don't match.

 

OMG Credit Experts I wouldn't trust them with a shopping list let alone my credit data.

 

I have had to do all the investigating myself and I am given different information every time I talk to one of their operatives...continually ask to talk to a line manager but strangely never there! I want a job as a manager at Experian, it must be a right cushy number! Any way once more into the breach tomorrow morning, by then my blood may have cooled to a mere simmer :mad:

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Regarding the Lisbon european treaty which we join on 1st December 2009.

 

Will this mean as europeans we will have the 3 year rule for holding are credit files as our fellow europeans do.

Take Control

! Use excel to document all your income and outgoings !

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Regarding the Lisbon european treaty which we join on 1st December 2009.

 

Will this mean as europeans we will have the 3 year rule for holding are credit files as our fellow europeans do.

 

 

... Does this mean are defaults etc ''fall off'' after this date..??? :p

 

:-D:-D:-D:-D:-D:-D:-D:-D:-D:-D

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Regarding the Lisbon european treaty which we join on 1st December 2009.

 

Will this mean as europeans we will have the 3 year rule for holding are credit files as our fellow europeans do.

 

Is there anything in writing about this or will we have to wait 5 years before any thing will done just like the MP's expensive fisaco giving them 5 years for the new rules to take affect.:evil:

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  • 2 weeks later...

Great, 4 months in and so far we have 415 signatures, another 85 needed within 8 months for some recognition, keep signing guys.

 

This is what happens when petition ends on 23rd July 2010.

 

What will happen to my petition once it is finished?

Once your petition has closed, usually provided there are 500 signatures or more, it will be passed to officials who work for the Prime Minister in Downing Street, or sent to the relevant Government department for a response.

 

Every person who signs such a petition will receive an email detailing the Government's response to the issues raised

 

http://petitions.number10.gov.uk/CreditRA/

Take Control

! Use excel to document all your income and outgoings !

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Signed.

Beaten:

RBS: £4,500

AMEX: £4,200

Barclaycard Visa: £12,100

Barclaycard M/Card: £12,600

(Including the numerous DCAs they have set on me.)

PPI reclaims (into my bank account): £25,000

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