Could they not have an "any driver" insurance policy?

"Dont ya just love it when a plan comes together":D Happy spending

have just got ins and outs of this. Apparently it was open and direct interest free credit for a year, but discount applied if you paid item off in first year. C paid what she assumed to be full item .After year was up she received a letter saying she now had to pay full price as she had not paid the £12.99 delivery charge (which she was not aware that she had to pay to finance company and had never been invoiced for). I know nothing about these kind of things (as my house has **** second hand furniture or "antiques" as my husband has told me)

Does a DCA registered in Republic of Ireland or other EU country have any authority in UK. My colleague has been cuaght out by those lovely people in Creation over a £12.99 delivery charge.Despite numerous phone calls at the time they were unable to provide a final figure for her to settle the outstandingt amount. She has had a letter from a DCA registered in ROI for some £784.82 (made up of penalty fees and interest). Any help appreciated, as am out of my depth with this one.

NOOMILL that is just naming anyone you can think of from Northern Ireland. Who is famous in NEWMILLS (APART from the owner of the VC)

[Henry McColough (sp) (he of Wings guitarist fame) used to live round the corner from my house. But then he moved back home to Northern Ireland, Coleraine I think which is home of Mr James Nesbitt.

It should follow that if they cannot deal with bank charges complaints , because they are not sure about the true legal nature of them, then they can surely not apply these charges (since oh they are not sure of the true legal nature of theM?)

Go for it Iwillgetuback (erm think of shortening that will ya). FOS are very helpful, free to us (costs bank £400.00 per complaint, and oh lets see I have about six of them at the moment). And the now the bank want me to withdraw my PPI claim becuase its not going their way with FOS (WHO HAVE ALREADY OFFERED MY THE WHOLE THING0). Has their solicitor offered me any compensation on top of this? Has he feck.So guess I will let it go all the way with the ombudsman, since it will achieve the same aims and oh loadsa satifaction for me!! :D

oh happy days Glav, enjoy the money. Well done

Have just noticed this thread. Have you got anything in writing which confirms that the member of staff in question has been acting fraudulently? Actually even if you havent I ould be getting straight in touch with the police since these are criminal acts. Do you imagine for one minute, that had it been you mucking about with your mothers accounts like this that they wouldnt have informed the police. As a first step, I would go to her branch and very loudly demand to see the manager about the fraudulent acts that were admmitted to by bank staff last year and why you nor your mother have been kept informed about the process of their internal ivestigation. If they try to bullshXt you, just get louder and louder, and ensure as many customers as possible can hear you. Believe me they will give you somewhere private to" chat" about this. Dont be rude, just loud

Irish Post: Uphill battle to save Tara A wee festival going on next weekend, with funds raised to help the campaign against the development on this heriatge site. Funnily enough on the pefect wee island ye have dreamed of!!1

Apparently even FOS are having trouble getting information from Ulster Bank at the moment..........

Advise instead of advice.

nO you have no right to the money.They will be able to trace it and it would be an act of theft to keep the money. Do the right thing, since this is the whole basis of this site i.e the banks have taken money from us which is not lawfully theirs. You really shouldnt have to ask .

OH yes you will since it was just a "goodwill gesture" Got full amount and am planninga trip with the wanes to see Mr M Mouse in Florida!!!!! Good luck with it all