I'm not sure if I'm placing this thread in the correct place. If not, could a moderator please move it. Anyway, last week, I popped into our local morrisons to fuel my car, went to the kiosk to pay and returning to my car, my jeans began to fall down. I can laugh about it, it must have been a sight. Anyway, a friend of mine told me today that an employee saw this happening on a security video and has uploaded it to youtube. Can anyone advise me if I have a claim against morrisons for breach of my privacy? Thank you.

I've been with BT Mobile for the past 18 months. I can't wait for my contract to expire on thursday. I've had no end of problems with them. Three times they have taken money out of my account without authorisation, resulting in penalty charges by my greedy bank, Nationwide. Upon contacting them to ask what the hell their game was, I was told that they were responding to my instructions. Total garbage. I phoned them last month to cancel my contract, giving them what I thought was a statutory 30 day notice, and was told to phone back on the final day. It seems that it only takes a few hours to close the account. Everyone else needs 30 days notice, not BT Mobile. I'm bracing myself for a rough ride. I'll cancel my direct debit on thursday and settle any outstanding bill with my card. I'm not leaving a direct debit in place for these morons to empty my bank account.

Hopefully you'll be ok. The problem is on the 110bhp version.....plastic flywheel.

Oh, I like your style. Our local council intends to close 29 of our primary schools. Just last week we had a very important person, a local back stabbing councillor in-fact, knocking on doors looking for votes. He was told by most of the residents to go forth and multiply. Unfortunately, I missed him running out of the village because I was at work.

I recently wrote a letter of complaint to Trading Standards. A couple of days ago I received a letter from these little darlings informing me that they could not source an agreement for this account and that therefore the account was being closed and referred back to their clients. I've still heard nothing from TS.

Given that they have not supplied me with a signed agreement. If they sell on this account, can I take them to court for failing to comply with my CCA request? If so, what would I say on the P.O.C? Any help would be fantastic.

Last August, I requested 1. - True copy of original and genuine credit agreement 2. - Statement of account 3. - True copy of the executed deed of assignment for the above referenced agreement 4. - Fair Processing Notice. They sent me an agreement, unsigned by me. No deed of assignement. They did send a statement of account and they did send a data protection notice, again unsigned by me. I allowed them the 12 working days plus a further 30+ days before informing them of their failure to comply with my request. This morning, I received a Deed of assignement from them informing me that the account is to be aquired by :- Moorcroft Debt Recovery CapQuest Investments Limited Aktiv Kapital First Investment Limited The assignment will come into effect within two weeks. Having failed to supply me with a signed true copy of a credit agreement, can they legally do this now?

I have bid on an item on ebay three weeks ago and have won. I have sent payment in respect of the item via paypal but have not received anything. I have contacted the seller numerous times to ask when I should expect to receive the item. I have started a dispute on paypal but don't expect the seller to take a blind bit of notice. If I don't receive either the item or a full refund including postage, can I take the seller to court for breach of contract?

BT Fusion are a bunch of w**kers. I can't wait for my contract to expire. Funds were legitimately taken out of my account in respect of a bill on 28th October 2007. A further sum equivalent to my line rental was taken out a few days later on 2nd November 2007. I queried this and was told that I must have asked for the payment date to be changed, which I had not. They refused to re-pay that sum of money. Yesterday, I was welcomed home from work by a very nasty, threatening letter from BT Mobile informing me that my DD payment was seriously overdue. I checked my bank account online and found that BT's payment had not been taken. I checked the status of the BT DD and found it to be active. I phoned BT just to ask what the fcuk they thought they were doing and was told by the young lass on the other end of the phone that it was my fault for cancelling my DD. I told her that the DD was still active on my account and offered to send her a screenshot of my online bank account showing the DD active. She declined my offer. I told her to make a note on my account that I was not at all impressed with them and that I would not be renewing my contract. I still have 7 months to run on it. I wonder if I could make a complaint about these clowns to ofcom?

Just a thought......If your friend's pc is old then it is unlikeley that it would run the latest windows i.e. Vista. However, has your friend ever thought of running Linux on her machine? It could be set up as a dual boot system and it's open source, meaning it's free. You might find that Orange Broadband would be compatible with Linux. Please also bear in mind that Microsoft no longer provide updates for windows 98 meaning that her system, if hooked up to the internet via LAN would be a goldmine to hackers.

Last week I received a phone call from these little darlings. I told the girl at the other end that I was not prepared to deal with her over the phone. She told me that I wasn't dealing with it at all!!!, bloody cheek. I reminded her that I had sent them a CCA request which they had failed to supply. At the end of last week I received a letter from them demanding full payment plus, if neccessary, solicitor's costs plus court costs. In short, hundreds more on top. I sent them a reminder that they had failed to supply any documents pertaining to this debt and that I would be writing to TS soon. I've received confirmation that my account is now on hold and that they've gone back to the creditor for the proper paperwork. They have only a few days left before I report them to TS. Watch this space.

My brother runs a small business. Recently he requested a MAC code from BT Business Broadband to move to another service provider. As always, he was given a lot of garbage over the phone as to how they could benefit him with reductions in his calls etc. The chap on the phone told him he had a week to change his mind if he took up the offer. He said ok with a view to going over previous bills and compare them with what the bloke on the phone said he would pay from now on. It didn't seem to save him any money so he called BT back two days later only to be told that it was too late and that he was already in contract. As a small business, is my brother within his rights if he sends BT a SAR requesting transcripts of telephone conversations under Data Protection Act 1998?

Yes, that's right. I sent them a request in early Sept. They replied with a copy of a credit agreement on which they had filled in my name, address and an account number, all in ink. The agreement did not show my signature.

I am about to report Reliable collections to trading standards. I sent them a CCA in early Sept. 12 + 30 have since passed and I have not received any genuine docs. I'm expecting a rather nasty letter any day because I have cancelled my standing order. Since they have committed an offence, I want to report them and would love to use a good template. Can anybody point me in the right direction? Thanks, kopw

I am about to set the dogs on nationwide. I can't however find my original terms and conditions. I have written to nationwide on three different occassions asking them very nicely to send me them. They have not. Has anybody got any terms and conditions for the flexaccount? Without them my case could be struck out. Thanks, kopw

The best advice I can give you is don't phone them. Ask everything of them in writing. Inform them that all their comunication with you should be in writing. You may well need it all as evidence when you take the **** to court. Just a thought! Do these lowlife **** come from the same stagnant germ infested sewer as the **** from moorcroft?

Thanks Paul, You lads and lasses are all fantastic.

Can somebody give me some advice? After moorcroft have comitted an offence i.e, 12 W/D + 30, will I be able to reclaim all the money I have already paid them. Now then, I don't mean that I want to claw back any money from the card provider. What I mean is I would like to claim it back from moorcroft because they are the ones who have taken it from me without a legal right to do so? I realise that to try to claim it back from the card issuer would be futile, simply because they would open a bottomless pit of money to defend such a claim for fear of a precedent should I or someone else win such a claim. The floodgates would be opened and all the banks would be bankrupt.

I think it's a requirement that in order to work for a DCA you need to be a bottom-feeding lowlife ****. Indeed, I think that they are all a seperate species from humanity.

Hi all. I asked for the agreement in respect of my outstanding credit card. Moorcroft sent me an agreement I had for a personal loan and which I settled fully back in early 2002. I'm thinking of firing off a letter to the loan company asking for written clarification of the status of this personal loan. It might be of some help when I take these muppets by the hand to see the TS

I sent these wallies a CCA request for my outstanding credit card and got back an agreement for a personal loan I fully re-paid about 5 or 6 years ago.

Those people at Moorcroft are so nice. I recently sent them a CCA request regarding my Credit Card in which I requested a signed copy of my credit agreement, statement of account, deed of assignement and fair processing notice. I received a reply today. I did not receive any statement of account. I did not receive any deed of assignement. I did not receive any fair processing notice. I did however receive a signed credit agreement showing my genuine signature, albeit for a LOAN I fully re-paid back in 2002. No sign of the agreement for my credit card for which they are chasing me. Now then, this is why I think those people at moorcroft are so nice. It's because they tell me in their letter that they are putting my account on hold for two weeks in order that I can put forward a repayment offer. I think I'll just leave it for now and hope that those nice people don't think too badly of nasty old me when I send my nasty letter of complaint to TS because they have failed to comply with my nasty request. Now I'm going for my mug of horlicks. I don't know how I'm going to sleep tonight, just thinking what might happen to all those nice people at moorcroft at the hands of the TS.

Hi, I have phoned CSL a number of times asking for written confirmation of the status of this debt, i.e. that it has been settled. On every ocassion, CSL have agreed to send such confirmation. So far, I have received nothing. I don't want some other lowlife DCA knocking on my door in the future demanding payment on a debt I have already settled. The truth is that I am so p**sed off with CSL for not sending confirmation simply because they were willing enough to be complete cu*ts on the phone when they first contacted me demanding payment. I just thought that it would be worth £10 just to be a complete and utter cu*nt in return and I might get my confirmation into the bargain. Can you see where I'm coming from? Thanks all, kopw

Hi all, Does anybody have a phone number for these numpties at Amex's data protection office?

Credit Solutions Ltd sent me a letter last year regarding a debt I had with Amex, informing me that I owed £140.00. Being a good boy, I duly paid. At the time I had not heard of this amazing site. I thought I had cleared this debt and looked back through my old diaries I found that I still owed them £34.00. In September, I sent CSL a S.A.R request using one of the template letters off this site. Yesterday, I received a bundle of statements from Amex up to September 2005, showung a balance of £169. I would like some advice as to what I do next. Do I contact Amex and ask for the remainder of the statements, given that I have complied with the letter from their agents, CSL, or do I contact CSL again and tell them I want all the payment details. If I am to contact Amex, should I include another cheque fro £10.00. I made the last one out to CSL. Please help, Thanks, kopw