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    • The gaming giant is offloading the Venetian in a $6.25bn deal to invest in Singapore and Macao. View the full article
    • ok best shot..   you need to reply to that letter of claim.   for debt covered by the consumer credit act:   send a cca request along with the completed form:   NOTE ONLY USE THE ATTACHED FORM below DO NOT USE THE FORM SUPPLIED BY THE DCA IN THEIR PAP LETTER!! DO NOT USE OR GIVE THEM YOUR EMAIL/PHONE NUMBER. USE ROYAL MAIL 1st class - get free proof of posting from any PO counter   box D tick   I dispute this debt because ..i refer you to our previous communications and my previous respond to your previous Letter of Claim. i am over 50yrs and have deferred as required to meet the age write off.    box I tick   I also require you to supply the following..   All signed agreements Copies All my deferment sent to either yourselves, the SLC or the SAAS to date. Copies of all communications bothways in whatever format to/from Erudio, Capquest, yourselves and Me A copy of the any Default Notices A copy of the Notice of Assignment A complete set of statements detailing exactly how the sum you allege is owed has accrued detailing: All Transactions. Any additional charges, be them by the original creditor or you xxxx the debt purchaser or any predecessor DCA. Details of all contractual interest added by whom and on what date. List of ALL Payments made toward the Agreement   no need to do the financial statement etc anything else or send anything else bar the above do NOT give them your phone nor email PRINT your name never sign the form   staple the £1  PO to the CCA request and send it to the debt purchaser return the completed PAP form below to the solicitors that sent it to you attain free proof of posting for BOTH at any PO counter 1st class mail will do. recorded is a waste of money   reply form PAP.pdf
    • There's more support for many in the Budget, but for some it still falls short. View the full article
    • no you are kidding me...   they can't be that thick surely... could be game over if they've faked it.   can you attach it to a private msg to me please.  
    • The original pdf did bring up txt boxes where my details were, it wasn't as if it was a photocopied document with my details embedded and I do find it awfully convenient it appeared the very next day after the case meeting.   The address was the same as it should have been, but ive only recently moved, this case was already in motion during my move.   Can I then just argue the authenticity of the CCA  at the next meeting? Explain that when put into a editor my personal details and only them pop up as carefully placed text boxes whereas the rest of the form looks photocopied??
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 33 replies

Problem with BT with big fee for cancelling contract for broadband


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My sister phoned to mention to BT about cancelling her broadband and they never mentioned £800 fee.

Her bills kept going up which she was struggling to afford.

 

Earlier they reduced her payments taking Sky Sports off but failed to mention a new contract had started.

All sounds very strange.

 

Apparently she was in a 24 month contract she didn't realise.

My mom had been ill and my sister was having a stressful time.

She went to Sky as it was far cheaper.

 

She has a contract with BT mobile and phoned up as it wasn't working

then came the shock she owed them £800 and they have barred her mobile.

 

Shocking service and I can't speak to them on her behalf.

 

Who has £800.to tussle up?

Obviously she is really stressed over this and don't think she will sleep tonight.

 

Thanks BT great service Not

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When she rang BT did she just "mention" about cancelling her Bb contract or did she actually tell them to cancel it?

 

I've just renegotiated my Bb contract with BT (I know they're useless but I can't be bothered doing too much work to look at any other provider) and I've managed to save money plus they are meant to record 'phone calls and I know (because I spoke to several different call handlers over two weeks) thatthey take very accurate notes of their conversations with customers.

 

She needs to find out if she actually did cancel the contract.  (I'm sure others will suggest doing a SAR).

 

Also what sort of contract did she have with BT?  Presumably it included Bb, mobile phone and Sky?  If the contract had just renewed, BT should have emailed her confirming contract details including duration, how to cancel and cancelation fees.  They've just done this for me for the contract I renegotiated two days ago.

 

EDIT:  It's not clear, but are you saying she's been charged £800 cancelation for Bb or are you saying shae hasn't paid them £800 she owes on her phone?

 

She ought to be able to look at her BT account online to see what she owes and how her bills are made up.

 

Edited by Manxman in exile
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Hi

she did say she was cancelling and returned the equipment.

It looks like they put her on a rolling contract for 24 months when she phoned before trying to reduce her payments as they kept going up.

 

I know Sky haven't done that to me.

She didn't see that email as she's had lots of stressful situations.

No letter in post or when she originally phoned about reducing her bill well over £100 they didn't tell her about this contract.

 

Like you say there should be recordings.

BT mobile contract is separate to broadband and the cancellation fee is for the broadband.

They have blocked her mobile so she can't use it and that is a contract.

 

She is phoning CAB in the morning and checking through her paperwork.

I'm quite happy with Sky as they tell you upfront what is happening and have never rolled over my contract.

 

Thanks for taking time to reply it is much appreciated. 

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forget CAB you might as well phone bt back as thats about as useless as they'll be.

 

you can't have a rolling 24mts contract', bt rolling contracts are month to month only, thats an industrywide accepted definition of what rolling means.

 

what happened here is she earlier changed her 'package' removing skt to reduce costs.

as with all providers that invoked = means she entered into a new (in this case) 24mts contract.

 

she latterly phone to cancel that contract, and thus bt charged her the cancellation fee/loss of revenue over the remaining months of the contract.

 

the fact that she owes them 'this money' but didn't pay it, then entitled them sadly to cancel the mobile contract, which sadly again they allowed to do.

 

rock and a hard place if she wants to keep the same mobile number.

 

Or

as long as her phone is not imie blocked by bt (in otherwords she purchased from BT under the mobile contract) but simply locked to BT (which is easily gotten around for a small fee at many shops/market stalls or if someone is tech savvy follow the guides on youtube to unlock the phone for an even smaller fee. and wack a new sim in it.

 

as for the £800 bill simply ignore them.

they'll sell the debt on 

and if anyone like Lowells or anyother powerless DCA debt buyer wants to do court, it's easily defended

we've not lost one case like that here.

 

 

 

 

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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Thanks for your advice. They didn't really reduce her bill when putting her on the rolling contract. She's emailed BT to complain as well about £800 fee. She will have to check where she stands with her mobile contract given she is still paying each month as she still needs to have a mobile phone for emergencies. A lesson on how careful you have to be when changing providers

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so her phone is working again now and she happy with that..

 

they didn't put her on a rolling contract, when she changed the services provided (removed sky) it would trigger a new fixed terms contract of XX mts of which they would have advised her of that upon the phone at the time. thats what all providers do.

 

as this wasnt too long ago, fire off an SAR and as well as the all info line in our sar template add a line wanting call recording with reps between date ss to date xx

lets make sure they did/didn't tell her .

 

 

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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