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    • Guys just to let you know. Chasing these claims is more out of the principle for me. Truly value the help CAG give and provide. Admire the reassurance and advice you give, especially to those in desperate need. Will be looking to donate a significant portion of the final claim. 
    • well I'm afraid that you have missed the main principle which is why should you pay more in order to insure them against their own breach of contract?    This is the confidence trick which all courier companies seem to be practicing against their innocent customers and it's been going on for years.   Follow the link to the piece on extended warranties and you will understand more about how you've been conned into giving up some of the value of your own property because they have breached their contract towards you and lost the item. It is Hermes who should be insuring against their own negligence and their own contractual breaches.   Hermes should not be relying on their customers to protect them against their own contractual breaches. That is the principle that you should be be attempting to defend and unfortunately you appear to have surrendered it.  
    • great stuff. i will continue to lurk and help with any currys pcw related items i can. bare in mind i no longer work for the company any things may change in the future as far as processes.   id personally never buy anything samsung after having had to call their useless customer service for the past few years. they dont deserve your money
    • Hi,    Not sure if I have the right place but a lot of questions seemed to be answered really well so I will try and tap the available knowledge.   I am a student mental health nurse in my second year and have run into a problem regarding my licence.   At the start of June I had a bipolar episode that finished, declared by my psychiatrist on Oct 6th.   I am fine with this (as you can be) as it has happened every 5 years for the past 20 years.   The time previous to this I took my car off the road and did not inform the DVLA and then when my psychiatrist "indicated" it was ok I drove.   This time because I wanted to do it right because I am trying to "do it right" I contacted the DVLA and just wow.   They told me the date was to be the 29th November to start my 3-month ban and that I was to send back my licence and re-apply after those 3 months.   Can I ask a question or two about this information???   Why did they start my 3-months on the 29th Nov when my doctor told me I was completely fine on the 6th Oct - It has added a huge amount of time onto my ban (7 weeks approx).   Is there anything I can do about this? It's like they picked a future random date out of the air(29th Nov).    Can I get them to go with my doctor's 6th Oct if I ring up and tell them this is the date she chose (she chose to declare me ill on one day, why do they ignore the date I was well?)   Should I ring them up and if so, what should I say?   Also on the re-application papers sent out there is a section that says:                                                    "where there has been a history of frequent relapses a longer period of stability will be required..."   Honestly, this terrifies me. What is the time they count as "frequent relapses?"   Is it every 2 or 3 years, or 5?    If it is 5 years and  I fall under that banner say, what are they going to say to me? A 6 month absence?  A year?   It's pretty scary stuff to be honest.   If you can reply, can you be sure to give me the correct info if you can.   I thank you for your time in advance,   All the best, ste.
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I only found out about these admin charges by accident. In the terms and conditions, they state they will add reasonable admin fees to the outstanding amount but didn't state what they were. I was told this by someone at VF.

In any letter, it would be good to state that you are now aware that the admin fees they have charged are unlawful and as such, they should refund them forthwith.


You mentioned on the default that the amount of the default was £500+.

On the original default date, was this the sum quoted or was it the amount outstanding less admin fees and later it shows the balance a the amount outstanding and the admin fees.

A screenshot of the relevent credit file would be nice ( names and addresses removed) or a verbatim of the file.

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@ silverfox1961


When I looked on noodle it showed that as of March the outstanding balance was just a bit more than £300,

but then magically one month later the price went up to £505.


Since you have mentioned that you found out about this on your agreement, I had a look myself.

That is true they have mentioned something along these line, but there seems to be a problem.



I had 2 months where I couldn't make any payment with a month after where I did pay money into my account.

During the time when I didn't pay nothing was charged.

So throughout the agreement VF did not follow with their own rules.


In addition,

I have called 3+ times asking them to reduce my bill as I was struggling to pay it.

They kept telling me that they need to hear the previous recording and never got back to me at the end.



I have reached out during my financial difficulty and asked to reduce my bill payments as I just wasn't able to comply,

but they ignored it completely.

Unfortunately, I do not have the exact dates now.

Wish I could've foreseen this.


I will be calling on Monday again and trying to ask them politely to get rid of the default

and refund the charges of £154, but if they just bluntly say no I'll follow with the letter.



every time I have asked where I can write the letter they said that there's not a place that I can send it to.

Should I send it to the Head Office or should I find out a specific address of whatever team I need?



These people on the phone are always so unhelpful and some are just extremely rude.

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Please record this call in whatever way you can. If you cannot record, do an online chat then save it otherwise by mail only.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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I will send a letter asking for my personal data and along the way I will send a letter asking them politely to remove the default.


I am also going to contact Nationwide as that is the company that stopped my job offer at checks and ask for my file there and a letter explaining what was the catalyst of the outcome.


Based on my limited knowledge it must've been the default because every loan I had up until now has been repaid on time and I only have one credit that is paid every month by the due date.

I have no other adverse history besides this default.


I am going to ask for a letter that states that it was the default, because if this escalates all the way to court I will claim this offer withdrawal.


I have just spoke to Vodafone and turns out they said that I sent in a request to terminate my account early and thus they charged me £171.11 for it.

Problem is that I didn't send anything in.


I have requested a copy of this request.

Now I am more than ever determined to get my money back and get rid of this default.

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send them an sar



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Single Premium PPI Q&A Read Here

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I have, now just patiently waiting for their response. 40 days is way too long.


in the meantime I am sending out a polite letter for removal of default.

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I have sent in my Statutory Notice and Vodafone is failing to respond and when I tried to talk to credit file team she wouldn't even listen and just hung up.


[removed] ..what kind of people work there.



She wouldn't even let me explain why what they are doing is wrong.



I tried to explain myself to her and she just continued to repeat

"we have done everything with accordance to law"



and tried saying that what they are doing is done in agreement of my contract which has ended :/


What do I do?



Do I send them to Court?



I have contacted ICO and was advised to wait a bit longer, until Statutory notice expires, and then send in all the info to them.



Really don't want to take this to Court, but will go all the way if they do not cooperate as they have failed to do so.

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