Thanks Sarah, now I know why I was taken to court with the words Ta (trading as) at the end of my name as this would make the CCA irrelevant. Humm interesting food for thought!

Does a CCA apply to loans and credit only, or does it apply to good also? i.e. being given goods / services on credit?

Thanks Guys, I have now been given a direct email address of the person who is dealing with this! So I must not be the only person with this complaint. I'll let you know of the outcome, fingers crossed they do have a heart.

Hi all please see the following extract from the t&c’s for the Nintendo website – http://www.nintendo.co.uk/NOE/en_GB/service/terms_and_conditions.html “4. Number of Stars that can be earned and expiration of Stars The maximum amount of Stars you can earn in total may be limited by Nintendo with a notice period of 1 week. This does not apply to Stars you have already earned at the moment of notice. The Stars expire 24 months after they have been earned, so that unredeemed Stars which are older than 24 months will be deleted from your account. Stars you have earned before the introduction of the new Terms and Conditions expire 12 months after the introduction of the new Terms and Conditions, which will not occur until June 1, 2008. If you subscribe to the Nintendo Newsletter, you will be informed about your current Stars Balance and how many Stars will be deleted in the next four weeks. There will be a monthly clearing of all Stars earned after the introduction of the new Terms and Conditions which are older than 24 months.” Now, my 6 year old son had a load of stars removed from his account on the 1st July 2008 (as you get a 4 week grace period, see full terms on link above), who is, as you can imagine, devastated. He was waiting to get Wii Fit along with the additional Wii stars in order to purchase other Wii point related goods (so much for loyalty incentives!). Now I read the above T&C’s as saying the new t&c’s would not come into affect until June 1st 2008, which would mean that that we had 12 months from that date in which to utilise the stars, now its sounds pedantic that I’m moaning about stars being taken away from my son but when you convert these stars in to Wii Points they they have a value of about £15.00, and not only that I’ve spent over £1000.00 on Nintendo Wii games accessories etc. since they released the Wii which helped earn these points, it that more than anything which has really ****ed me off. Now I’v spoken to Nintendo UK, who have said they won’t refund the stars as it clearly states in the T&C’s that they were going to expire, which I don’t believe they do! What do I do next, I would like to send them a letter with a some consumer regulation talk to the managing director of Nintendo Europe, who name I have from the website! Can anyone help? Regards

that being the case, whats my best course of action?

Not that i remember, i will check. So if thats the case i'm liable?

Hi all not sure if this is the correct place to post, if it's not could someone redirect me please. Anyway I need a little advice, will be going to the Citizens advice, but would like to see the response here first. A bit of history, 2 years ago I was company sectary of a company, which 12 months age ceased trading and had a couple of outstanding liabilities to another companies one of which was for just over £1700.00. I have just received a letter from the DCA (not a court approved one) saying one of the companies have a writ in my name (well not my full name, its my nick name then my sir name) now for £2500+ Trading As (Ta) a company I’ve never traded as!!!, which has been sent to my home address. This is the first I’ve heard of it, I’ve never been given the opportunity to fight and case in court (which I would have done as the debt belongs to a Ltd company and not myself), which could be proven quite easily as the invoices from the claimant we addressed to the Ltd company and every payment they ever received was done so by company cheque. At no point did I ever personally guarantee anything. Having spoken to the courts they have told me the address that all the correspondents were sent to, which was the old office address of the Ltd Company, and not even the registered office address. Now I’m not disputing if the claimant is owed the money, but that as they dealt with me on a few occasions they have taken court action against my name and not the companies name, and it’s the company that owe them the money, a company that has other directors who I believe they should have contacted and taken to court, rather than me the company sectary! What are your thoughts? Any responses would be appreciated!

Ok, i'll do that, but in the meantime should i pay the bill online to the council (even though they refused over the phone) or to the bailiff?

No i didn't let them in, should i pay this outstanding debt online? As far as i can tell they are only entitled to £20.00 for the visit, do you know if this is correct?

Hi all, the council have sent my outstanding tax for nov, dec and jan just gone to equita bailiffs, now i did agree over the phone to pay the bill (to the bailiffs) by the 22nd march, but didn't get the whole thing paid in time. Today they have sent me a 'removal notice', received today, dated the 4th, stating they have been unable to contact me (funny as they have never had a problem contating me before!), and that a bailiff would be calling at my house over the next two weeks, and that if i would like to pay the outstanding debt before this happens to contact their offices. Guess what bailiffs came round on the same day i received the removal notice, i'm more than willing to pay the outstanding amount but not the additional £150.00 for the visit. If i pay the council tax bill online (i tried to phone the council but they say they won't take payments for last year) am i right in saying that they can't emforce the fees?

Hi all, the council have sent my outstanding tax for nov, dec and jan just gone to equita bailiffs, now i did agree over the phone to pay the bill (to the bailiffs) by the 22nd march, but didn't get the whole thing paid in time. Today they have sent me a 'removal notice', received today, dated the 4th, stating they have been unable to contact me (funny as they have never had a problem contating me before!), and that a bailiff would be calling at my house over the next two weeks, and that if i would like to pay the outstanding debt before this happens to contact their offices. Guess what bailiffs came round on the same day i received the removal notice, i'm more than willing to pay the outstanding amount but not the additional £150.00 for the visit. If i pay the council tax bill online (i tried to phone the council but they say they won't take payments for last year) am i right in saying that they can't emforce the fees?

Below are the Particulars of Claim that i did with MCOL, would someone tell me if i've completed it wrongly? as i didn't put in anything regards Terms in Consumer Contracts Regulations? as i had already stated these in my initial letters detailing the list of charges sent to HSBC, but i did state the HSBC ref on the MCOL Particualars. Also i didn't send the detailed charges list with the claim and their initial 14 days is up on monday 21st. have i messed this one up? "Repayment of unlawful bank charges for 6 years. Acc. No. xxxxxxxx, S.C. xxxxxxx. HSBC Ref: xxxxxxxxxxxx Amount inc. interest 1165.34 The claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year from the date when the money became was taken from the claiments account to the date of the claiments initial letter requesting repayment of unlawfull charges, total amount of £1165.34 inc. intrest and also interest at the same rate up to the date of judgment."