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    • Amex as with any creditor must help you the FOS should go with you and make them remove all interest charged from the very 1st time of asking for help. the FCA regulations actually almost dictate it, they most certainly clearly state that if the are FCA registered they must help.   it's very telling they have no marked your credit file....almost as if they know they are wrong. it's also telling that an irresponsible lending complaint might well be in order hear too, they can just keep upping the credit limit without checking you can pay. and ofcourse covid plays its part here and they've already admitted as they allowed payments holidays until october in line with the rest of the industry and they should be continuing that. you problem is you keep using the phone, no paperwork no record of things discussed. i'd get an SAR off to them. and get the comms/account log and all the statements from day one and go nail them.
    • Hello CAG, Bit of a long post, may want to get a cuppa before starting reading... 😁   after being a lurker for many years and trying never to get into a mess with credit cards like i did 20 years ago, i've got myself into a mess with Amex... I've tried being open and honest with them, but now getting the feeling they are messing me around.    Its not a chargecard, but a Nectar Credit Card with them. TAKEN out 2016. Balance is just under £15k as of today, was almost at £17k.  Debt still owed by Amex, not been sent to NCO/Arrow etc - YET...    Background (short version): Was all fine with more than min. payment (£500 or so), being made until April 2020 when a number of things reduced my monthly salary from work (mainly, take a pay cut or be made redundant), so I soon quickly realised i needed to tighten my belt quickly. Phoned Amex, advisor said nothing they could do except Payment Holiday. Was put onto that for 3 months, told that Amex will be in touch at the end to restart payments. I asked about interest being stopped/frozen/reduced - not possible. So agreed to payment holiday to give me breathing space. 3 months came and went, no contact from Amex... No payments made, interest still racking up at around £300 a month...    Rang Amex back (July 2020), we cant do anything today because your in the middle of the statement cycle call back next week. Called back week after, no solution yet (i asked about things i seen on Amex US website = Regain program - basically freeze card, lower interest rate and pay a set amount for 12 months - more about this later) > Not available in UK yet.   Want to stay on payment holiday Mister B? I asked if there was any way interest could be stopped as this is making the balance increase and increase. No. Do you want to stay on Payment Holiday? Ok. (Bear in mind, if i came off Payment holiday. Minimum Payment was around £570 per month.  So, stayed on payment holiday... Didnt hear anything from Amex again. Called back up in September 2020. Please call back in October after 10th and we can assist.   Called back after October 10, went through loads of stuff, different options etc, was warned that Payment Holiday might not be extended much longer, but now have a program. Worked out with Amex woman that i could pay around £200 per month. But please stop interest - no we cant but we can reduce this down to 9.9APR instead of 23%... . Amex woman said she needed to submit details to 'Seniors' at Amex, please call back next week for update.   Called back week after, advised that first Amex woman was wrong and had made mistakes, shouldn't have told me what she had told me, £200 is too low, minimum would be £389 per month for 12 months or account will default. Told Amex woman 2 that couldn't afford it, went through this last time, etc etc. Amex woman 2 went off, came back, £329.74 is minimum they can possibly accept, 12 months at that amount per month and interest would be lowered, but not stopped. If you dont take out this 'Program' then account will default and will be passed to NCO or Arrow (I hate them both).  Went off, tried to get loans etc, all refused. Rang Amex back, reluctantly agreed so i can keep credit rating at 'good'.  So, been paying since Nov 2021 @ £329.74.    Letter arrived in December - due to out mess up with moving accounts around whilst on payment holiday, we are going to give you £3074 back. Logged into account, only £30.74 refunded, not £3074. Phoned Amex cos thought it was a joke/mistake - Spoke to some bloke - Oh dont worry, the rest will be applied to account automatically in 7 days. he advised was genuine but then got cut off during call. Called back, spoke to some other bloke, yes, looks genuine but please hold... Came back 10 minutes later. Oh, its a mis-print, you are not the only customer to receive one of these. Each should have been £30.74 not £3074. Me = Gutted.    Wrote a letter to Amex saying how dissatisfied i was with general customer service and felt they were incompetent, blah blah etc. Final response received, Complaint partially upheld, heres £150 credit because we were a bit silly, but thats it. IF your still not happy, go to FOS. Opened a case with FOS... Have sent them the complaint letter to them and have had a call from them about this... FOS are backlogged though and will take another 3 months for complaint to be looked at by them.   Let me make this 100% clear, fully admit to owning the debt, yep, ive spent this money (wish I knew what on, cos having got much to show from it - just general stuff and holidays)... Not trying to shirk out of it, trying my best to keep up with re-payments but im really struggling. After I got paid on 1st April, after paying all outgoings i had £9.83 left in current account so am having to go into overdraft each month which is just a vicious circle.  I would really like to NOT have to down the default route and trash my credit rating and then have to deal with the morons at NCO / Arrow etc.    Meanwhile, this is where I need the advice of the CAG experts... - Credit Limit increases... These were coming every few months and it was just being upped and upped and upped. Credit limit eventually was stopped at £15,400. Some of the increases I never even received letter for, just noticed when I logged into account. >>>> Would this be a case for irresponsible lending?   - Stopping interest - I've read something on FCA site that they recommend (not policy) that if a customer is put onto a payment holiday then they recommend freezing interest for customer so the debt doesn't continue to build. I've asked time and time again, Amex just refuse.  >>>> Any tips on how to get Amex to play ball?    - Full & Final/Short settlement I've rung Amex today, told them I might be able to pay it off. Initially they said full balance, i then pushed, they then said they would accept 80% of balance, pushed them a bit more, got it down to 70%. >>> Surprised, and then very surprised they would accept 70%, anyone else think this is a bit odd? Normally they wont budge, or they wont budge from their first offer... Could their be something wrong on account (missing CCA etc?), or do they want rid of me and account as much as I do with them?   - Cant really keep going at these £329.74 repayments. Something is going to have to give somewhere. I believe they wont go any lower and they will just default it i send £100 instead of £329 and send it out to NCO/Arrow. This might not be a too bad thing though because this would stop the interest right? Anyone thoughts on this?    Anyone think of anything else I could try with them? Again, its still with Amex, not defaulted or anything yet, yep, its all my own fault, i've spent the money, dont deny that, just feel Amex have took advantage etc.   Many thanks for reading. Any advice is greatly appreciated.   Kr, Mista B.     
    • Ok so we have complained to HMRC but were still no further forward with getting the P45/P60. We need this as DVLA has said they need more proof of who he is before giving him a provisional license.  What more can l do. 
    • Hi All   just looking for some advice. I bought a used Porsche Boxster from one of Marshall motor group’s Audi dealers (can I name them?) recently and was assured that it received a major service in October 2020 in line with the manufacturers requirements. The service book confirms this. The dealer also told me on the phone that they have a 6 month rule with any mot or service being done if due within this period which assured me when making an offer over the phone on the car that it wouldn’t need anything doing for a while as I recall saying that.   However, digging through the receipts post delivery I saw that the service was in fact minor and after calling the specialist who serviced it in Oct both they (Sheepishly) and the invoice confirmed that the car did not receive new spark plugs, an air filter, brake fluid replacement or a new fan belt which have now all fallen due and hence the major service due warning light. Had I not investigated this then the car would have potentially gone another 4 years, so 8 in total without some of these items being done.   i emailed the salesman to ask what they would propose to do. The matter is complicated by my living 450 miles away in Scotland, and 200 from their nearest branch, a Mercedes dealer in the Lake District, so I suggested getting my cheapest local specialist to do the works that have fallen due, however I have received no response.   Whilst I am still within my 30 days i don’t want to reject the car, which is otherwise perfect, but the fact remains that the Audi 150 point check only asks for upcoming mot’s to be checked and not services and surely you wouldn’t buy an approved used car and expect to have the service light come on 2 weeks later and have to spend almost £500 putting it right.   i would really appreciate some advice on next steps and perhaps who to escalate this to. Meantime the car is booked in for 2 weeks time to get the work done at the cheapest reputable place I could find.   Many, many thanks in advance
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Carphone warehouse iphone on Vodafone - mystery £196 data use - and I didn't even use the phone!


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Hi all,

In 2011 I took out a mobile contract with vodafone.

It was a 24 month contract which I renewed every two years and got an upgrade etc.

In 2017 I renewed again and all was fine

 

recently the bills started to increase.

We don't get mobile reception where I live (within a 3 mile radius).

I used wifi for most of the time, very rarely did I use the internet apps on the phone using 3G when out.

I made sure that data roaming was switched off.

 

when my bills started to increase I queried it and was told that I'd exceeded my monthly data allowance.

The thing is I barely used the phone (iphone) when out.

 

Two weeks ago I got an email from vodafone to say that I had charged of £79 for data used!

I was shocked!

I switched my phone off and put it in a cupboard.

 

The next day, I got another e-mail from them to say that they would be restricting my services until I'd paid my bill because my data charges had reached £113!

in just one day I'd apparently used £24 of data when my phone wasn't even switched on!

 

I got in touch and they said that I must have used my phone and that I had to pay.

I said that I would not pay and that there was no way I could have used that much data, especially in such a  a short space of time.

I told them to cancel my services and disconnect my number, but they said that they can't do this untill I pay the bill - which had now gone up to £196!

I couldn't beleive it so I hung up.

I then took the sim card out of the phone and destroyed it.

 

I'm now worried because I have no way of paying this £196, and I don't want the charges to keep increasing but vodafone are not listening to me and just keep telling me that I need to pay it.

 

I don't beleive that I ever signed anything when I took out the contract with them.

I really don't know where I stand or what will happen next.

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send them an sar

check they've not trashed your credit file.

 

dx

 

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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I don't really care about my credit score, it's shot to pieces anyway.

I just don't want the charges to keep going on when I'm not even using the phone and can't afford to pay.

 

I've looked through the e-mails and have found the confirmation from carphone warehouse and the welcome e-mail from vodafone but no agreement and no payment schedule of any kind.

 

Can you please advise what I can do please as I know they're not regulated by the CCA1974.

I know it will probably go to a DCA at some point so I can't request a CCA with them but I can dispute it, but on what grounds?

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cant do anything without know what they do or don't hold on you.

sar time.

 

at what point did you turn off roaming and/or disable mobile data.

as with most phones, there are apps that people simply install or allow to do this or that without reading on the screen what access you are giving it to the phones capabilities.

 

in doors you might well have defaulted it to wi-fi when in range but outdoors if you didn't turn off roaming and/or disable mobile data it could well have used those when you took it out before you shut it off and removed the sim later in time. and these are charges on that data use being outstanding.

 

 

 

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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  • dx100uk changed the title to Carphone warehouse iphone on Vodafone - mystery £196 data use - and I didn't even use the phone!

certain apps will seek out ways of connecting and then updating or sending useless location data so a bunker in Nevada but all of ths costs you money becasue you are not told they are doing this.

Finding out what has been connecting will be helpful as that will give you some bargaining power if it is a known problem and they didnt warn you as to what was eating your money

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  • 3 weeks later...

I sent a SAR by email and haven’t had a reply or acknowledgment. I don’t have any means of printing a SAR to post them.

 

Every time I contact them they insist I have to very my identity by uploading ID such as driving licence and utility bill onto an online form. 

Not only is my name now different from what they hold (they said the only way they’d add my new name to my account was to go into a Vodafone store which is 50 miles away), but I don’t want to upload my personal documents online! 

 

Today I had an email from a company called Zinc group:

 

 

Dear Mrs. .......

We have been instructed by our client (Vodafone) to assist you in getting the outbound bar on calls on your phone lifted.

Please call us now on 01789 405 056 or make payment to the details below for this to happen: 

Sort Code: 40

Account No: 

Bank: HSBC

Failure to do so will result in:

1. Full disconnection and loss of your mobile number

2. Estimated termination fees of £41.72 being added to your account
3. Your account being passed to a debt collection agency where further fees will be added to your account increasing the overall balance to approximately £234.09

4. A default being registered on your credit file

You can call us on 01789 405 056 or email us at [email protected] today, it’s not too late.

Image
I’m ignoring it as I already instructed Vodafone to disconnect my services and I also advised them that I am homeless and penniless, and that I have no means of paying.
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  • 1 month later...

SAR sent on 22nd May, it’s now 2nd July and nothing, not even an acknowledgement - the SAR was sent by email to the person who has been emailing me - “Noel”. As soon as I sent the SAR his emails stopped. 

Should I chase up or make a complaint to the ICO straight away? 

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not sure where we say use email

think sar link says never use email

 

now send it to the data controller 

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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most probably yes

it should be sent by royal mail to the data controller list on the FCA register website

and get free proof of posting. 

 

a printer/scanner costs <£30 now

else go use a friends neighbours or a local library.

 

dx

 

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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  • 3 months later...

I received the SAR docs, it wasn’t even complete and was just a few print offs of old bills! 

It did show data usage of 1.5 Mg on one day and then the next day 950mb!!!! I hadn’t even used the phone!!

How do I prove that I didn’t use this now?? **

I have now received a letter from Moorcroft.

I sent them  a letter saying I do not acknowledge any alleged debt to them or any company they claim to represent.

 

Today I received a letter from them with a few print outs of some bills from them which showed the data use but it was just internet printouts (emails they’ve sent me and printouts of my online account. It was in my old name too! 

 

So what exactly can I ask of moorcroft - I don’t want a back door CCJ - what document or what rule is it? 

 

 

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Who said send a powerless dca anything???

 

who are moorcfofts client?

 

Dx

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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who are moorcrofts clients?

Moorcroft only chase debts not buy them so cant issue a court claim

only the OWNER of a debt can

and original creditors don't do court!

dx

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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@thedryad That jump in data sounds like an iOS update, by default they download the update but only prompt if you want to install it once downloaded, usually the size of them are 800mb - 1.6GB depending on model.

 

I think that there is a setting within the iPhone that will tell you what data is being used, it may be worth setting that up. Do you turn your internet router off at night ?

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I always turn the router off at night. We have no network coverage at home. On the dates on the statement, I’d already taken the SIM card out so there’s no way I could have used any data.. the phone was switched off and left at home.

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What I imagine has happened is;

  • You have had the phone on at some point on the Wi-Fi with the mobile data still turned on but not being used
  • At night when you have switched the router off (no need to do this btw) it has then defaulted to Mobile data
  • You have left your phone on either before you started turning it off or forgot to turn it off on an occasion
  • Due to the time of the night the phone has downloaded the latest iOS update overnight as and when signal becomes available (signals can fluctuate.)
  • This in turn has then used mobile data and increased your bill

If not an iOS update then maybe your apps have updated but the same sort of idea.

 

They can easily tell what number has used the data and that is most likely why they are just sending you bills in the SAR each SIM card has a number, that number is then linked to a geographical number and that all ties in with an account number that gets billed.

Edited by PIXeL_92
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Ah, but there is absolutely NO mobile network (any network) in this Valley, so it’s impossible that it picked up mobile signal at home. And also the SIM card was taken out before this data was allegedly used and texts were allegedly sent. 

 

 

 

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  • 2 months later...

So Vodafone still haven’t responded to my complaint even though they signed for the letter 6 weeks ago.

Moorcroft are now sending letters and adding admin fees saying that Vodafone have instructed them to pursue the debt, and that my complaint was satisfied in July which it was not!

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  • 2 weeks later...

as post 15

 

dx

 

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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  • 2 weeks later...
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