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    • Hey, thank you very much again for your replies!   - We go to the branches and ask for business accounts, but as I give them my personal name they register them as sole trader accounts in their systems, regardless of my company name being on the agreement.  Suspended our services for high volume messaging -- that is not explicitly covered in terms and conditions Send us letters referencing wrong terms and conditions that we did not sign Terminate the contract and come with a random balance number. We argue unsuccessfully, but they don't follow up with the requested deadlock letter. Pass our account to Lowell in 2017 I pick the account back up when I notice it is affecting my credit file in 2020 I work on the case for about three weeks and file a complaint with CISAS I give Lowell my contract and they see it is my company's name on it so they pass it back to Vodafone Vodafone wants to settle my account quoting they should not charge me anything on the first place and they offer £250 as a compensation for distress. I mistakenly accept the offer because of confusing wording and thinking that the third party adjudicator was already involved in the case, although they would basically get involved on the later stage.  I make a complaint as per CISAS and try to reverse the settlement in the system and have third party adjudicator having a proper look into my case and hopefully reward me a much fairer compensation for all the damages.    I have made a SAR request with both Vodafone and Lowell so far, but still waiting for the Vodafone to send it.    I am now waiting for CISAS to respond, but because I am still upset how much damage this has caused me I am considering taking them to small claims court.  For that I am researching what are the acts I would have to reference in that case.   Obviously Consumer Rights Act 2015 and then Data Protection Act 2018 and perhaps some acts regarding entering into contractual agreements -- can you help with that maybe?        My main concern at the moment is to how to express claims well in a legal language, because £250 they offered feels just patronizing given that there has been everything clearly written in black and white, yet I have had to go though this damaging and humiliating experience. 
    • Cooling off periods do not apply to faulty items. The cooling off period relates to a distance purchase of an item which is of satisfactory quality. Where an item is faulty then it become subject to the rules under the Consumer Rights Act
    • I understand the cooling off period for online purchases, but this is a little different due to the item being collected/paid in person.    A used item was recently sold by auction on eBay. The seller inspected, paid with cash and collected the item in person.    The buyer is now claiming the item to be faulty.    If this transaction was completely remote and the item posted, I would absolutely expect the buyer to be entitled to a refund.    But as the transaction happened in person would the point of the money changing hands be when the contract is made? Therefore not giving the buyer any cooling off period?   I think this is the key information; Used item Paid in person Working when collected Private sale   Thanks!
    • This article has some useful information on how things are working during the Covid crisis.   https://www.theguardian.com/money/2020/jun/06/a-guide-to-probate-everything-you-need-to-know   HB
    • Insurers can't call it a claim if you didn't make a claim under the policy (so they can't, for example, use your call to reduce your NCB).   But many policies require you to report any damage to the insurer even if you don't make claim, and this is usually one of the questions asked when people are getting quotes through online sites. There is nothing to prevent an insurer increasing your premium if your car has been damaged even though you didn't make a claim. It feels unfair, but that's what's allowed. (Insurers' logic is that if you have had a small accident that you haven't claimed for you are statistically more likely to have another accident and next time it might be larger. I know that doesn't sound very logical when it's a tile falling off a roof, but "the computer says".)
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kennythecelt

Council Tax Discounts- mentally impaired, carers, disabled **Success**

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I only recently discovered this, as no-one from the various organisations we deal with ever mentioned it, so I hope it helps someone else. It will have been mentioned before on CAG, but this may act as a reminder.

 

I act as carer for my mother in law who is pretty badly disabled and gets higher rates of DLA. Last year she was diagnosed with dementia, officially, although we knew there were problems before that. There are 3 people in the house.

 

I have now submitted a signed statement from her GP confirming her lack of mental capabilities and my role as a carer.

 

This gives further information:

http://www.nhs.uk/CarersDirect/moneyandlegal/finance/Pages/council-tax-discounts.aspx

 

She also requires space in the house for wheelchair to get about, zimmer on occasions, etc and has a specially adapted bathroom. We have made one room downstairs her bedroom so we can't use it. There might be the possibility of a lower Council Tax banding than we are currently on. I will keep my fingers crossed.

 

Hopefully someone else might benefit and remember, back dated claims can be made.

 

 

 

There are 3 of us in the household.


Any advice given by me is based solely on my experience in claiming, my experience in CAG or my opinion. I have no legal background. I want to encourage others to reclaim what is theirs.

 

Got a DCA breaking OFT guidance. Complain to the OFT about the DCA. Help put an end to these practices-

 

http://www.consumeractiongroup.co.uk/forum/letter-templates/155095-complain-oft-about-unfair.html#post1652270

 

Register with CAG today, its free, its a great community:

http://www.consumeractiongroup.co.uk/forum/register.php

 

kennythecelt@consumeractiongroup.co.uk.

 

 

 

Thankyou Kennythecelt:)

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I have now been granted a 25% discount on my Council Tax bill. My Council have agreed to backdate the claim to the date of dementia diagnosis. So, it means a handy sum paid back to us a a cheaper bill reduced by at least 25% next year.

 

We have also applied for our home to be downgraded in Council Tax banding. This is because our downstairs dining room is used as a bedroom by my MIL and the downstairs bathroom has been adapted to her needs. They are due to visit shortly. I do not anticipate a problem with this side of our application.


Any advice given by me is based solely on my experience in claiming, my experience in CAG or my opinion. I have no legal background. I want to encourage others to reclaim what is theirs.

 

Got a DCA breaking OFT guidance. Complain to the OFT about the DCA. Help put an end to these practices-

 

http://www.consumeractiongroup.co.uk/forum/letter-templates/155095-complain-oft-about-unfair.html#post1652270

 

Register with CAG today, its free, its a great community:

http://www.consumeractiongroup.co.uk/forum/register.php

 

kennythecelt@consumeractiongroup.co.uk.

 

 

 

Thankyou Kennythecelt:)

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does the other adult in property also provide care to your mother-in-law? if so, you may be able to get 50% discount instead of 25%


If you have found my post useful, please click on the star at the bottom of my post and add some reputation points.

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Thanks for that advice, I will pursue it. My wife tends to take over from me at nights. I am bipolar and clinically depressed so my medication knocks me out at night and she cares for her mum from dinner time onwards until I make breakfast and the routine continues.

Many thanks, I will update to let folk know how we get on.


Any advice given by me is based solely on my experience in claiming, my experience in CAG or my opinion. I have no legal background. I want to encourage others to reclaim what is theirs.

 

Got a DCA breaking OFT guidance. Complain to the OFT about the DCA. Help put an end to these practices-

 

http://www.consumeractiongroup.co.uk/forum/letter-templates/155095-complain-oft-about-unfair.html#post1652270

 

Register with CAG today, its free, its a great community:

http://www.consumeractiongroup.co.uk/forum/register.php

 

kennythecelt@consumeractiongroup.co.uk.

 

 

 

Thankyou Kennythecelt:)

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Result.

 

Tax band reduced and given Carers assistance. This means I have no council tax to pay this year.


Any advice given by me is based solely on my experience in claiming, my experience in CAG or my opinion. I have no legal background. I want to encourage others to reclaim what is theirs.

 

Got a DCA breaking OFT guidance. Complain to the OFT about the DCA. Help put an end to these practices-

 

http://www.consumeractiongroup.co.uk/forum/letter-templates/155095-complain-oft-about-unfair.html#post1652270

 

Register with CAG today, its free, its a great community:

http://www.consumeractiongroup.co.uk/forum/register.php

 

kennythecelt@consumeractiongroup.co.uk.

 

 

 

Thankyou Kennythecelt:)

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Glad you managed to get it sorted, so have they reduced you to 50% charge on lower band?


If you have found my post useful, please click on the star at the bottom of my post and add some reputation points.

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