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    • I have recently found myself in financial difficulties and with the help of forum members in another thread regarding this, I think I can get myself sorted. My query here is how to deal with a Cifas marker that has been logged against me by one of my creditors for "evasion of payment". Admittedly yes I did get a £5000 loan with them and have not paid any payment but at the start of the year, which is when the loan landed, I realised I was going to be struggling to repay that and other debts and I contacted MCB to ask if there was any way I could extend the loan from 24 months to 36 months. I explained my situation and that I was going with a DMP and asked them if they could help me with this. They did not reply. I then emailed them again a month later explaining that my DMP was going ahead and could they confirm that the direct debit was indeed cancelled. Again, they did not reply. The DMP fell apart and so did everything else thereafter. My bank withdrew my overdraft and said I could not stay with them (I thought initially that it was because of the DMP) so I opened another account (Starling) and set up all my direct debits etc with the new bank. A month into being with the new bank, they contacted me and said they were closing my account in three months. So I started applying for other basic accounts and every single one of them either refused or revoked.  Through the help in the other thread, I requested a SAR from Cifas and discovered that I have this marker against my name for "evasion of payment". I have logged a complaint with MCB on the advice of other forum members, but my query really is do you think the marker is fair given that I did ask them for help and I did explain that I was going to be struggling financially to repay the loan over the original two years, and is there any way that I can get it removed? I fully admit that I have yet to make a payment to them and I suppose in my naivety and panic I thought if I emailed them early on they could extend the loan and help me out, but they didn't even reply  I did manage to open an account with Monzo before the marker was in place, but I am very concerned that if Monzo do what Starling did, I will have no bank account to pay my bills or get my wages paid into.  Realistically based on the information I have given here, what do you think my chances are of getting this marker removed? Any help/advice on this would be greatly appreciated x
    • Thank you dx, that is what I intend to do now. I have gone through all the SAR documents, a lot of which I am seeing for the first time! As per my previous post #116 letters and statements alleged to have been sent to me, as recorded on their system notes I have not received. Letters I have sent requesting information and account statements have not been recorded as being received by them, all were sent either by Recorded or Special Delivery. I have all the proof you menrtioned from my files for payments and from their SAR info for fees added. Thanks t
    • In my experience (not with car payments) but with many other things, my partner has been ill and signed off in the past and we have been unable to meet various commitments.  Naturally if you ring the call centre they are going to fob you off and tell you you must pay, that's why that never ever works. I would obtain a note from her GP listing all her health issues plus medications plus side effects, then write to the finance company with a copy of it, explaining the situation, as you have here, asking for a payment holiday. Perhaps mention that the car is very much needed for hospital appointments etc. It's likely the finance company would rather you pay till term end than, chase you for money they will never see, and sell the car at auction for a loss,  You can search some of my threads going back years, advising people to do this for Council Tax, Tax Credits, HMRC, Even a solicitors company and it always works, because contrary to popular belief people are reasonable.
    • Sorry, I haven't ever seen one of these agreements. Read it all and look out for anything that says when she can withdraw and when she is committed to go ahead. If it isn't clear she may need to call the housing provider and simply say what you posted here, she doesn't want to go ahead and how does she withdraw her swap application?
    • Thank you! Your head is like a power bank of knowledge.  Her health issues are short term, due to a relationship breakdown she took it pretty hard and has been signed off work on medication for 3 months. She only started her job in February 24 so does not qualify for any occupational sick benefits, which is where the ssp only comes in. (You will see me posting a few things over the coming days, whilst I try and sort some things for her)  I sat with her last night relaying all this back and she does want to work out a plan, she was ready to propose £100 for the next 3 months and then an additional £70 per month onto of her contractual to "catch up" but Money247 rejecting the payment holiday and demanding £200 thew her, which is why I came on here.   
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T-mobile


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What a terrible terrible service. I recently got a new phone from T-mobile, about 6 weeks ago. I gave it a few weeks, before I phoned up with my first complaint. The signal on the phone was really bad, no matter where I went, it'd cut out during important calls, or people were just getting sent straight to voicemail.

 

So the guy said to try the sim in another t-mobile phone which I did, same problem. I phoned back and he said it must be the handset, so I got sent out a replacement handset. Guess what, same problem, not a thing changed.

 

I've just phoned up regarding the cancellation of the contract due to the unreliable service I'm being probvided. The guy basically said that its past a '7 day cooling off period', and that I'd have to pay off the contract in full. Either that or write to the customer services.

 

Not a happy bunny, the contract is 18 months, 18 months with a very un reliable service, no thanks.

 

What can I do ?

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You can tell then that the contract works both ways, that they have obligations too, and since they're not fulfilling their part of the contract, they are in breach of contract and you have every right to cancel your side if they're not prepared to fulfill their part. Or/and you can cancel your d/d, and tell them to sue you if they want the rest.

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Hi mate, the thing is it's only a "really good deal" if you actually get to use your phone! LOL, atm you seem to be paying for nothing.:confused:

 

Point out the fact that they are not living up to their part of the contract and so you are well within your rights to cancel.

 

*Also I always thought that there was a 14 day cooling off period, not 7 days... I could be wrong though, read your contract carefully and see if there is anything within it which you may be able to use to support your position.

Hope you get it sorted soon though.

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The problem is that mobile phone operator's T&C's usually include a clause stating that service/coverage cannot be guaranteed. this sort of covers them against compensation claims if, for example, an aerial is out of action for a day or two in a particular area.

 

However if you are consistently getting a bad signal you might simply be in a bad coverage area, in which case it won't improve unless they put more hardware into that area. The link below will let you check T-Mobile's coverage. Not the greatest map I've ever seen though, but 99%+ of the UK is covered.

 

http://www.t-mobile.co.uk/Dispatcher?menuid=ctl_change_state&name=searchResults&value=off&nextpageid=phones_cua_uc_gis

 

The problem I foresee is that if you are in a bad coverage area, it may state in the T&Cs that you should have checked before signing up. Could be one for the Unfair Contracts Act, but I'm not the one to ask! It might be worth finding out from other T-Mobile users in your area what the signal is like on their phone. Pop into a local retailer, preferably an independant, and ask them about coverage quality and known handset problems, they are usually quite helpful.

 

 

Seems strange to me that if you tried the sim in another phone and it was the same, it might be a faulty sim rather than a faulty phone. suggest to them that they replace the sim - this is a very cheap option for them - and see what happens.

 

Just a point about coverage claims.

I only mouth my opinion, please look elsewhere for sensible advice! :)

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  • 2 years later...

Dear All [edited]

 

This must stop NOW, Tell all your friends about this site, tell the media, tell the pr companies of their competitors and we will bring these people to justice by hitting them the best way possible IN THE POCKET !

 

Yours Sincerely

J Thompson

 

THE PEOPLES CHAMPION

x

Edited by jonni2bad
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i think its real enough when you have ALREADY SETTLED the dispute and someone drags up a SETTLED debt to try and get more money. As for Nazi's my reference is pertaining to the mercilessness of them all.

I think its pretty evident to everyone here that you are either someone working for t-mobile or howells. And if you really think i dont have a point why has Sky News and 2 other papers shown an interest in the story ?

My suggestion to you would be just watch this space because i'm going to do the rest of my talking with action now.

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I'm not going to get involved in a slanging match, but you need to grow up instead of firing accusations at me and insulting all who fought in the war, and all the victims of the Nazis. When you see what councils and their bailiffs are doing to people for unpaid council tax and parking tickets, and the way banks have been fleecing people for years (ironic that as taxpayers, customers now have to pay up AGAIN to bail them out) then what T-Mobile are doing pales into insignificance.

 

They are only acting like any company would who are owed money, and why not? They can't do anything to those who have paid up - you simply tell their debt collectors to take it to court or to take a hike - and again, if you owe and haven't paid then you should try to come to some sort of arrangement. It's not rocket science.

I only mouth my opinion, please look elsewhere for sensible advice! :)

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  • 10 years later...

This topic was closed on 2019-03-08.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

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