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    • Hi i took out a contract back in May with Vodafone for superfast fibre 2, My speeds have been up and down all the time one moment the sync speed is 76mb then it goes to 33mb then back up to 76mb other providers in the area like BT, PlusNet, Sky or TalkTalk can only provide me with 33mb maximum apparently but Vodafone was adamant they can provide 76mb so i thought ok ill take your word for it so since may the internet has been working perfect no complaints, lately its absolute crap you speak to them on the phone and its the usual rubbish change your WIFI channels, take the face plate off your socket. I'm an internet engineer for a company called hyperoptic so I know a lot about routers and all that so its nothing knew to me you tell them you've done all this and they just repeat themselves over and over then tell you to see how it goes with the plate off may I add makes no bit of difference at all you call them back and the same rubbish is said all over again, When i complained first time about the half speed drop to 33mb they came back with this is all you can get in your area when i asked them why sell me a 76mb package if you know full well my line cant handle over 33mb as usual get told ill get a 3 pound discount for the duration of my contract which disappears once they boost your speed back up to 76mb then few weeks later your back to square one again. Tonight my speed is running at 3.5mb and 15mb upload webpages don't open and videos buffer all the time, i honestly think its the crap routers they supply to which you cant place into modem mode to use your own 3rd party router.   Is there anyway i can get out of this contract
    • Hi everyone, any help anyone can offer would be appreciated.   I purchased a bag for £375 + £8 postage from an individual via Depop. I’m not that familiar with the Depop service but the transaction wasn’t completed via Depop’s checkout just via messages with the seller on the app.   The seller posted the item a few days later and sent me a tracking number, and the item says delivered but it hasn’t arrived with me. When tracking online and asking for more info online it says the tracking number and delivery postcode (my home address) don’t match and the website doesn’t offer any further help. The online chat function is a bot and frankly useless and there is no phone number to call.   The seller can’t show me any proof that the tracking number marries up to my address (they sent me a photo of the box but that’s it) so feel at a loss and very silly (and sad).   I don’t have the seller’s postal address, only email and phone number, but can I (should I) make a claim via small claims for the without having a physical address?   I have asked the seller for a refund and advised they have to make a claim for compensation as the contract of sale (postage cost) was with them and the delivery company.    Thank you everyone. 
    • Its a common situation HB ... In how many laws broken how many times - yes somewhat complex   In caring and supporting your own its quite simple and straight forward It enables the younger members to work and school, while giving care to the older members, who have mainly lost their prior anchors - Nothing strange ... although Johnsons' monsters seem to be unaware or uncaring ...   Any in such a situation will of course have ALL their owns health and safety as the paramount consideration.
    • Jeez that's complicated. 😕
    • I’ll call the court on Monday. 
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FOS adjudicator not sharing evidence

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I have a number of current complaints lodged with FOS against payday loan companies.

All but one adjudicator has happily shared the responses/evidence from the payday loan companies

but one in particular has stated the company must give their consent to share the evidence they have provided.



This seems contrary to how any typical arbitration or court process

- only seems natural that both sides get to see the evidence.



I appreciate that anything commercially confidential should be excluded but I very much doubt that is the case.

The adjudicator has told me that I am aware of "salient points of the case" Before kicking up a fuss and possibly getting a vindicative reaction from the adjudicator,



I am just looking to see if anyone else has had this experience?

And what are the rights and wrongs of it




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  • 2 months later...

This is in the disclaimer at the bottom of the consumer complaint form:



§ I understand that you will need some personal details about me, that you might need to share information I give you – including sensitive or personal information – with the business involved and other relevant organisations, and that you might need to ask them for information that’s relevant to my case.


Ask the adjudicator if there is an equivalent disclaimer on the firm's side. If so, then it appears that the adjudicator themselves is deciding what the firm wants to share or not.

You may be aware of the salient points of the case, but without seeing what the firm has submitted, you don't know if it's a downright lie or not! Seems like a one sided skewed approach if you ask me. Correlates with how the FOS are funded I guess!!

Good luck with the complaints.

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  • 1 month later...

You are entitled to case file used to produce an outcome bar commercial, security, underwriting details etc.

This is a direct quote from the Independent Assessor. Caveat is the IA says different things all the time, none of which is actual FOS practice despite the FOS accepting all of her opinions & recommendations.

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  • 1 year later...
You are entitled to case file used to produce an outcome bar commercial, security, underwriting details etc.

This is a direct quote from the Independent Assessor....


I've also been told this by the IA as well.


Had similar experience to OP on many occasions. First time blanket refusal about giving me a copy of a swift message sent between banks. I told the adjudicator to send me a redacted copy (redacting all commercially sensitive details). She then contacted the bank, bank send her a redacted copy, which she forwarded on to me. See it here.


On another complaint, an adjudicator, (incorrectly) refused to send me bank account transaction history (which were not commercially sensitive at all). I complained to her manager, and the manager sent me the transaction screenshot immediately.


Another complaint - adjudicator issues decision, without ever contacting me or seeing all my evidence. I ask to see specific evidence he relied on to come to his conclusions. I spell out the conclusions and the evidence I need to see. he then tries a fast one by saying in order to ensure "completeness" he would like to see MY EVIDENCE that I had intended to send at the outset. Only then he can send me the case file evidence. Emailed his manager straightaway. Manager arranged case file evidence to be sent to me immediately.


No surprises. Adjudicator had relied on what the bank "said" (hearsay evidence), before coming to his conclusions.

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No surprises. Adjudicator had relied on what the bank "said" (hearsay evidence), before coming to his conclusions.


had to ask for the file. it was duly sent, and showed inconsistencies.

always ask the fos for what they have been given by the cruditor.




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might be better to start a new thread ponytail

rather than going around old threads

and posting several months after the OP started it.




please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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