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    • Hi I was being supplied my ovo after unknowingly being swapped from SSE.  My issues began when we had a smart meter fitted and our bills almost doubled overnight - we at the time assumed we were just paying not enough until then and just continued to pay the excess bills each. Month.    I would from time to time contact ovo and get faced with a call centre on South Africa of the most rude agents who would just hang up after hours of wait and I could not even get an acknowledgement of an issue with my meter.  At one point we were not in the property for like 4 months and the bills were coming just as high!  It was at this point I was sure something is not right and ovo only care to send bailiffs and started threatening us with a pay as you go meter despite me taking out a 3.5k loan to pay of my outstanding balance.  Around 1600 each on both gas and electricity.  This is where its gets really bad -  the very same day they sent me out a new bill saying the money paid already was only to cover up until the November previous and because its now Feb we owe another 1k.   By that August this had risen to over 3k and I still couldn't get anyone to even acknowledge a fault let alone fix it.    In despair I tried to swap suppliers and to my surprise octopus accepted us because even tho the debt is owed we are trying deal with.  During our time with them the bill was coming only on my wife's name as I was responsible for other bills and she this one - now that we owe them 3k they have magically started adding my name as well as my wife's to the same debt to apply double pressure and its showing on my experiwn report now with a question mark and 2700 showing in grey -  This was my wife's debt which we dispute we owe yet the have now sent me letter with both our names on from oriel and past due credit debt agencies - is this illegal and how can I get them to take my. Name of this and leave on wife's name as its so unfair they give us a both a defualt for wife's debt which we dispute anyway.    In the end about 3 weeks ago I wrote an email to their ceo and rishi sunak and low and behold for the first time in our history with ovo someone who spoke English contacted us and said she will look into our claim.    I explained to her that we feel our meter is faulty and despite me contacting them using WhatsApp email and phone I still have not got anyone to acknowledge a fault even. And that I dispute I Owe anything as my son was in hospital for 3 months and we stayed with him so house was empty and still. They were sending us super sized bills more than when we started at home.  She promised to investigate and a few days later replied that she is sorry for the poor customer service and offered us £50 compensation - however she also. Mentioned that she's attached statements for us confirming the payment for 3k I made was only up until Nov and in Feb despite me pay 3.5k nearly it's correct for them to bill. Me. Another £900 the very same day and she did not agree our meter was faulty and therfore the debt stands and she will not be calling it bcak from past due credit.  During my time with my new supplier post ovo, octopus I requested tehy check my. Meters because I felt they were faulty and over charging me and I got excellent response asking me for further details which I supplied and I got a. Response bcak within days to say my meter was indeed faulty and octopus have now remotely repaired it.   I then contacted the energy ombudsman and explained my situation how she at ovo tried to fob me off and demand I apy money we don't feel we owe due to faulty equipment we reported but ovo had to process or mechanism to deal with it or lodge complaint even without having to cc their ceo and our pm. And now I feel sick to think both husband and wife will get a 6  year default for debt which have a validity of a questionable nature.    I explained all this to the energy ombudsman and they accepted my case and I explained to them that my new supplier found my fault which ovo refueed to accept - I've uploaded the email from new supplier to ombudsman showing we had a fault.    My. Question is is there anything I can upload in defence of my case to ombudsman before they decide outcome ina few weeks    All advice greatly appreciated not only would I like advice on how to clear this debt but also how I can pursue ovo for compensation and deterrence for the future.  Thansk 
    • Thanks for the reply dubai 50 - if the statute is 10 years it has long passed - if it is 15 years i havea few months left. i shall ignore until it gets serious  An update - - I sent the letter to the bank in Dubai ( I did get delivery confirmation from Royal Mail)   - I have moved to a new address ( this is the address i gave to the bank in dubai)  - IDR are continuing to send Letters to the old address, which leads me to believe they are not in contact with the bank at all. - i have not replied to any correspondence digital or hard as they are non threatening ( as of yet).        
    • Your topic title was altered last June 23 by the owner of this forum in the interests of the forum Anyway well done on your result and concluding your topic, title updated.   Andy   .
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Carphone Warehouse - Insurance and Charge


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Hi folks,

 

I have recently changed my mobile phone contract from Vodafone to Orange. The deal was done through Carephone Warehouse and everything done online.

 

The problems started when i noticed I had incurred a bank charge on my bank account during the end of Februrary. It turned out Carphone Warehouse had tried taking £7.95 from my account for Insurance!!!! I had never agreed to this insurance as my 'deal' had free insurance through Orange in the opening months of my contract.

 

My bank account did not have enough money in the account when they tried to take out the money and as a result i received two bank charges. One for a 'knocked back' amount and one for going into overdraft. this amounted to £69 in total!!!!

 

I was livid and got in contact with Carphone Warehouse. They said they would look into the matter and send me a 'pack' from which I could make a claim. THIS NEVER APPEARED. I ended up writing a letter to them showing details of the two charges (photocopies of the bank charge letters).

 

I just received a letter from them this morning saying they would not pay me back. They have cost me so much money for trying to take off a charge I never agreed to in the first instance. Surely i have rights in this case.

 

HAS ANYONE GOT ANY ADVICE ON WHAT TO DO?

Halifax Current Account - £90 won back (Feb 23rd)

Halifax Credit Card - Statement back £200 charged

Halifax Electron - Req.statements 15th Jan not arrived

Barclays - Ready to request statements

Capital One - About to request statements

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The easiest thing to do would probably be to claim the charges back from your bank.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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haha yeah i suppose but it was actually Carphones fault!

 

And I already have made a claim on my charges and cant make any more

 

can I?

Halifax Current Account - £90 won back (Feb 23rd)

Halifax Credit Card - Statement back £200 charged

Halifax Electron - Req.statements 15th Jan not arrived

Barclays - Ready to request statements

Capital One - About to request statements

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Yes you can do another claim.

Carphone warehouse seem to be the number one for poor after sales and service and their reluctance to sort out problems when they occur.

I have yet to hear from anyone who has not had any problems with Talk Talk either.

I have had so many e mails from people telling me their own stories that I have decided to post a stickie in this group with the intentions of a mass complaint.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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I have done another claim but they say I already signed the final offer.

 

I might go through the ombusman now.

 

ANYWAY THIS IS BEGINNING TO LOOK LIKE A BANK CHARGE POST

 

Ill stop. I would be very interested in complaining about Carphone Warehouse. This bank charge fiasco is only a very small part of the disasterous customer care i have expereinced in the last 3 months

Halifax Current Account - £90 won back (Feb 23rd)

Halifax Credit Card - Statement back £200 charged

Halifax Electron - Req.statements 15th Jan not arrived

Barclays - Ready to request statements

Capital One - About to request statements

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You did not sign your right away to make further claims - that is nonsense.

 

Yes Carphone Warehouse have screwed up and you need to complain about this in the strongest possible terms, I'm just saying that if your main concern is getting this money back then the easiest way would be to claim it back from the bank - they are in the wrong too!

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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You did not sign your right away to make further claims - that is nonsense.

 

Yes Carphone Warehouse have screwed up and you need to complain about this in the strongest possible terms, I'm just saying that if your main concern is getting this money back then the easiest way would be to claim it back from the bank - they are in the wrong too!

 

 

Cheers mate

Halifax Current Account - £90 won back (Feb 23rd)

Halifax Credit Card - Statement back £200 charged

Halifax Electron - Req.statements 15th Jan not arrived

Barclays - Ready to request statements

Capital One - About to request statements

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haha yeah i suppose but it was actually Carphones fault!

 

And I already have made a claim on my charges and cant make any more

 

can I?

How on earth did CPW manage to charge your bank account with the money in the first place? Did you set up a Direct Debit with them?

Surely you would just be able to do a D/D indemnity claim? once CPW had paid that back to your account the charges made by the bank should automatically follow as it is obviously a charge made in error.

(I had this issue recently when British Gas took £120.00 from my account, after the indemnity claim, I didnt even have to ask for the o/d charges to be refunded, the bank just wiped them off as they said it was a debit in error and any associated charges are cleared)

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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I've had a similar thing with Craphone warehouse. Received a call offering new phone with no upgrade fee and change of contract with current supplier. My bill came in the followng month and guess what... I got charged an upgrade fee and they hadn't changed the contract either. CW said it wasn't their fault and Orange said it wasn't theirs. Currently Trading Standards are looking at it but as they said Carphone Warehouse are notoriously difficult even for them.

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hmmm not a good start.

Halifax Current Account - £90 won back (Feb 23rd)

Halifax Credit Card - Statement back £200 charged

Halifax Electron - Req.statements 15th Jan not arrived

Barclays - Ready to request statements

Capital One - About to request statements

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  • 3 weeks later...
Hi folks,

 

I have recently changed my mobile phone contract from Vodafone to Orange. The deal was done through Carephone Warehouse and everything done online.

 

The problems started when i noticed I had incurred a bank charge on my bank account during the end of Februrary. It turned out Carphone Warehouse had tried taking £7.95 from my account for Insurance!!!! I had never agreed to this insurance as my 'deal' had free insurance through Orange in the opening months of my contract.

 

My bank account did not have enough money in the account when they tried to take out the money and as a result i received two bank charges. One for a 'knocked back' amount and one for going into overdraft. this amounted to £69 in total!!!!

 

I was livid and got in contact with Carphone Warehouse. They said they would look into the matter and send me a 'pack' from which I could make a claim. THIS NEVER APPEARED. I ended up writing a letter to them showing details of the two charges (photocopies of the bank charge letters).

 

I just received a letter from them this morning saying they would not pay me back. They have cost me so much money for trying to take off a charge I never agreed to in the first instance. Surely i have rights in this case.

 

HAS ANYONE GOT ANY ADVICE ON WHAT TO DO?

If you did not sign a direct debit mandate then your bank should not have proccesed the direct debit the carphone warehouse use an irish company called

NEW TECHNOLOGY INSURANCE...i have demanded from my bank a copy of this so called direct debit i want to find out just who sent it to the bank and who signed the mandate i also had a go at my bank for authorising it without my consent and also i am treating it as fraud ,and reading the thread from GERMANY2006 it is a fraudulent transaction taken without your written consent

dont argue with carphone just get even

patrickq1

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If you did not sign a direct debit mandate then your bank should not have proccesed the direct debit the carphone warehouse use an irish company called

 

That's not entirely true. You can agree to DD mandates online, and it's binding.

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  • 2 weeks later...
That's not entirely true. You can agree to DD mandates online, and it's binding.

is rhere a reality of consent a meeting of minds no contract was posted to me all i got from them was a ficticious and supercharged bill following my complaint to them concerning this bill i then reilised im in trouble i cant really afford the bill so they gave me the option of accepting a couple of months credit they will charge the normal,i found this acceptable at the time cause it meant i did nt have to find all that money and i had accepted their origional excuse that i was now on a new contract and they must have made a mistake..during my conversation with them at that time i also asked what about the new phone you had promised ...he offered a lower rated phone than what i had..so i refused to accept this offer and keep the phone i have..then a few weeks later the penny dropped what new contract gggrrrr was i angry you bet so i phoned them temper gettin the best of me i then got my bill at the normal cept they were adding vat on the top making it approx 3.49 more expensive monthly and i also noticed a little statement on my visa and it said insurance (due to a long illness)i never checked these statements my wife did ,so when i seen it i phoned visa asked them what it was they informed me it was carphone gggrrrrr and it had been going out of my account since 2004 ggggrrr and ive been disabled since round about that time and did nt know i was insured...then it was nt insurance for sickness etc it was for theft lol as if i am housebound

just started getting around on a wheel chair now and seeing things differently .so i stopped the monies as i said and informed cpw that i was going to issue sar notice so the made an offer to pay 2/3 of the insurance

104.00 .i am not satisfied with this because when i was argueing about the insurance i then looked at the circumstances surrounding this fiticious bill it was xmas or just after and as we all know the bills are piling in..but i then knew they had deceived me cause when they changed the bill they sent a document out i have it here the t & c no mention of insurance but as i say they deceived me into accepting this new contract without reilising they obtained my consent by trickery this is why i say their is and cannot be any reality of consent over the phone when you are being deceived....hope this explains things better that is why when trading standards come on monday morning i aint interested in compensation its the deceipt it was deliberate their was no mistake at cpw i strongly feel that if more people check their bills and suddenley find they have a almost triple the normal bill then check all the circumstances surrounding the bill were you duped...its about the most professional con i have ever witnessed

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is rhere a reality of consent a meeting of minds no contract was posted to me all i got from them was a ficticious and supercharged bill following my complaint to them concerning this bill i then reilised im in trouble i cant really afford the bill so they gave me the option of accepting a couple of months credit they will charge the normal,i found this acceptable at the time cause it meant i did nt have to find all that money and i had accepted their origional excuse that i was now on a new contract and they must have made a mistake..during my conversation with them at that time i also asked what about the new phone you had promised ...he offered a lower rated phone than what i had..so i refused to accept this offer and keep the phone i have..then a few weeks later the penny dropped what new contract gggrrrr was i angry you bet so i phoned them temper gettin the best of me i then got my bill at the normal cept they were adding vat on the top making it approx 3.49 more expensive monthly and i also noticed a little statement on my visa and it said insurance (due to a long illness)i never checked these statements my wife did ,so when i seen it i phoned visa asked them what it was they informed me it was carphone gggrrrrr and it had been going out of my account since 2004 ggggrrr and ive been disabled since round about that time and did nt know i was insured...then it was nt insurance for sickness etc it was for theft lol as if i am housebound

just started getting around on a wheel chair now and seeing things differently .so i stopped the monies as i said and informed cpw that i was going to issue S.A.R - (Subject Access Request) notice so the made an offer to pay 2/3 of the insurance

104.00 .i am not satisfied with this because when i was argueing about the insurance i then looked at the circumstances surrounding this fiticious bill it was xmas or just after and as we all know the bills are piling in..but i then knew they had deceived me cause when they changed the bill they sent a document out i have it here the t & c no mention of insurance but as i say they deceived me into accepting this new contract without reilising they obtained my consent by trickery this is why i say their is and cannot be any reality of consent over the phone when you are being deceived....hope this explains things better that is why when trading standards come on monday morning i aint interested in compensation its the deceipt it was deliberate their was no mistake at cpw i strongly feel that if more people check their bills and suddenley find they have a almost triple the normal bill then check all the circumstances surrounding the bill were you duped...its about the most professional con i have ever witnessed

...and i have also informed my bank i am unhappy about a term in the contract of divulging information to any third parties.except if it is the police and taxman & courts

so i await their response reason being i did not know this clause was on the contract and i deem it is unfair as we all do who on earth would want to share their details with strangers unless it was through the courts

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