This topic was closed on 03/08/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

Hi All Made a complaint about T & C's, however, as another poster stated there reply was literally 'What you going to do about it? You can bank elsewhere'. The Ombudsman supported them. Regards Saru

Hi All I took out a Halifax Clarity Card as it often appears in moneysaving expert top picks for using abroad. Every holiday, I took my card and withdrew cash, repaying on return. I must say that the product is excellent and the rates and exchange rate are great. In January, I did a big trip and took over £1000 over ten days. Halifax dropped my credit limit to just above my balance. They wouldn't tell me why and eventually my credit limit was restored to a third of what it was. They did this on the last day of my trip and I was just lucky I didn't need any more cash. In April, I was again on holiday in the UK and withdrew cash. They dropped my limit. They were quicker at restoring it this time but again it was to the lower level. I spoke to a friend who works in the industry and they immediately stated 'That will be your Delphi score'. Apparently, there is a computer algorithm built into credit scoring that works out your likelyhood to default and one of the risk indicators is choosing to withdraw cash from a credit card. I contacted the Ombudsman and OFT. I highlighted that removing cash - fee free and at their best exchange rate was surely a benefit of the card and I did not see why I should be penalised fo this. The Ombudsman was useless, stating that it was part of credit scoring so they could not comment. The OFT stated that they did not deal with individual cases. My friend also told me that it would affect not just my profile with Halifax, but with everyone. I then applied for a number of financial products to compare the rates I got compared to last year. I would add that my financial peosition is stronger this year, with no other adverse information and reducing loan balance paid on time. Last year I was offered 0.3% BELOW Tesco's headline rate, this year I got offered 9.9% when the rates were 6.1%. Sainsbury's 9.9% compared to 6.4%. Zopa accepted for a loan, this year declined. I have noddle for accessing my credit report and I noted that theit guidemark score of me went from 5/5 to 3/5. I suggested to Halifax that they might want to consider reporting the product on credit files as a revolving loan to avoid this problem. They weren't interested, although they did acknowledge that it was likely that their computer kept lowering my limit because I was removing cash from the card, calling this an unexpected side effect. They also suggested that I don't remove cash, but were unable to say why they made it a benefit of the card but did not tell customers that it would ruin their credit score. As there is no charge for cash withdrawals and it is at the same interest rate, the card is clearly making withdrawals on a close par to transactions (minus the interest free period). I write all this as the OFT will look into it if it has affected more than just me. Maybe you have had a similar experience? If so please contact the OFT and Ombudsman to try and get this unfair practice changed. Thanks Saru

Hi All I emailed them through: http://www.apple.com/uk/support/itunes/contact.html they responded and said no. I asked if they wanted a test case in court about whether the term was unfair. They said they would refund me as a goodwill gesture. Regards saru

Hi All I purchased an application (app) from the apple store (downloaded through my iPhone)and it doesn't work. I also have a charge for an in-game purchase from a different app I know I didn't make and no-one else has access to my phone. My phone is password protected. I emailed them and they said all purchases are final. I know there are different consumer rules about software but surely this is different. Ok, I buy a game for my PC and it's too old to run it - my fault. But buying from a closed store, software products designed specifically for my hardware - c'mon consumer law. Can I argue that 'all purchases are final' is an unfair term and condition in the sale of the item. I really think these guys need challenged. Can anyone help? Thanks saru

Hi Barclaycard tried this stunt previously stating that they held copies of statements on microfiche, which they did not deem a 'relevant filing system'. HSBC will argue that manual or other systems aren't covered by the Act. Check out on the forum for rulings and ask what system they are using and why it is not 'relevant'. After many complaints, the Information Commissioner deemed that microfiche was a relevant system and Barclaycard had to supply all the info. In addition, when they finally gave me my details I got £160 compensation for my trouble! What do you want the details for? If it is a defaulted loan account surely you want a signed, verified copy of the original agreement, deed of assignment and a statement of account. If they can't supply those, the can't default (unless it's a current account) or at least that's how I understand it. Check out other postings. Hope some of this helps Saru

Don't know if this helps... sarumane Remove Default Notices on a Credit File - We show you how

Nothing's happening yet but Halifax bank of Scotland have just settled for just around £550!

They have offered £350.00. But I am going for the interest as well. we will see what happens...

The **** ******* ****** ********* faces have hit me with the micro-pish! Have been reading the forums for an approach but no-one has a coherent workable strategy. What are my best options? S7 of the DPA letter or estimated charges? Please assist me! saru

I would like to join, however, at present still in 40 days. Posted original request on May 29th. Is there anyone who got statements for pre 2004 before they started all this micro-pish we could use as precedent? Is there anything I can do whist I am still in the 40 days to try and get my statements? sarumane

Hi All These guys took a fortune (for me anyway as I am a student) in charges when I had to move and had no job between courses. Is it sick to say I am looking forward to this. The threatening letters from LTSB have galvanised me into taking on all my previous financial benefactors! Will keep you updated! Regards T

Hi Thanks. Will do a cheque! Will keep you updated and will send by RD tomorrow. Regards T

Hi All This lovely institution screwed me for charges when I lost my job despite me informing them of my circumstances. I am looking forward to this! My account is now back to normal and has been for a few years. Can I ask them to charge the £10 DPA to my account? Regards T

Hi Thanks for double checking! DPA Sent - 11th April 2006 Request Sent - 16th May 2006 LBA Sent -23rd May 2006 LBA Reply 25th May stating they had no more to add from letter sent in response to request for refund. Told me to beat it! No point in waiting 14 days as they have stated a flat NO! Submitting court forms tomorrow or Wed depending on time away from work (can't do online - in Scotland ). Regards T