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    • Apologies all for the late reply and info, i have been away with the Army. They have paid I accepted the offer on the 5th of May, and they paid on the 17th of May.
    • Hello everyone,   Just thought id post an update.   I've today now finally received a claim form from PRA Group. Bit annoying as the last payment to them would have August 2018 so was nearly over the line. I believe my only grounds for defence is that they haven't managed to produce a copy of the DN notice, however from some online research I managed to find some case law that stated they can use their systems screenshot to show proof of it being sent.   I know I have to respond back to their claim form and will do so online on moneyclaim, is now the time to pick up the phone to them and negotiate a deal?   Any advice as always is much appreciated it.
    • Please see my comments on your post in red
    • Thanks for your reply, I have another 3 weeks before the notice ends. I'm also concerned because the property has detoriated since I've been here due to mould, damp and rusting (which I've never seen in a property before) rusty hinges and other damage to the front door caused by damp and mould, I'm concerned they could try and charge me for damages? As long as you've documented and reported this previously you'll have a right to challenge any costs. There was no inventory when I moved in, I also didn't have to pay a deposit. Do an inventory when you move out as proof of the property's condition as you leave it. I've also been told that if I leave before a possession order is given I would be deemed intentionally homeless, is this true? If you leave, yes. However, Your local council has a legal obligation to ensure you won't be left homeless as soon as you get the notice. As stated before, you don't have to leave when the notice expires if you haven't got somewhere else to go. Just keep paying your rent as normal. Your tenancy doesn't legally end until a possession warrant is executed against you or you leave and hand the keys back. My daughter doesn't live with me, I'd likely have medical priority as I have health issues and I'm on pip etc. Contact the council and make them aware then.      
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T-mobile - Payment Failure Charge.


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The simplest way is to send a cheque for payment of the account, less the 'penalty' fees, which are disputed. I note what you said about an inability to have funds until some later date, but the problems will snowball if the account isn't credited quickly - even paying the first month missed may make all the difference, and prevent her credit record being seriously blemished.

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Hi all

 

Am in the middle of a fight with them also at the moment. They seem to make the rulls up as they go along. First of all put the amount of the charge in dispute - this cannot then show as outstanding until resolved. E-mail customer services to start the argument etc.

 

Apparently your bill can go 10 days overdue then it is automatic suspension. But all you have to do is call collections and put a 'promise to pay' on the account for when you can pay - nothing more should happen.

 

If collections chase you for any of it in the meantime, have a go at them and tell them to read the notes in the account and that customer relations are dealing with you complaint blah blah. Get stroppy! crack up that no-one told you that you could do any of this also - poor advice etc, ignoring your rights (and their t&c's) when you're in financial difficulty etc. E-mail customer relations on - [email protected]

 

Good luck!

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Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

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  • 3 weeks later...
  • 1 month later...

I was in exactly the same situation as everyone in this thread, but I foolishly paid the £23.50, and setup another direct debit. Is there any way of reclaiming this fee, or have I let these greedy so-and-so's run away with even more of my money? :(

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You are in a weaker position because you rolled over so quickly. You could write to them saying you have reviewed the situation and feel their PFC is unfair as it is a fine, and ask for this amount to be credited to your account so it can be used for line rental. Alternatively, ask them to justify the cost represents their true losses due to the 'failure'. If they don't you can always institute proceedings.

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  • 5 months later...

Hey. I have some experience with T-Mobile in this respect. Usually you will find that if you call customer services a couple of times and speak nice to an advisor, someone will credit you back the £23.50. Can't guarantee it, but it can happen. Also, if your payment history is good, they should be able to perform a "promise to pay" which will give you an extension.

 

Good luck

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Hey. I have some experience with T-Mobile in this respect. Usually you will find that if you call customer services a couple of times and speak nice to an advisor, someone will credit you back the £23.50. Can't guarantee it, but it can happen. Also, if your payment history is good, they should be able to perform a "promise to pay" which will give you an extension.

 

Good luck

good advice lawbunny, but as this post was last updated nearly six months ago it may be a little late now!!!

You seem to be resurrecting a lot of old posts!

Anything I post is my own opinion and views based on experience. My posts may not represent the views of my Employer, work collegues, or my Mum, i thought them up all by myself!

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