Ah, this one's for Mrs. Lunar. Wasn't online but it was after 2000 IIRC

I've a feeling they can't extend credit (ie your overdraft) to someone under 16 (or 18???). Can someone please verify this, thanks?

Did it make you overdrawn?

I'm happy to write a letter from scratch (with the same complaints in it) and send it to whoever at whichever newspaper we decide to target.

Meh, long post, sorry

Two years ago I was given a goodwill payment of £1400 after I filed a court claim for bank charges. I've operated the account perfectly since then. Actually, during last summer some organisation took a DD when they shouldn't have; the account was empty and I got charged. When I complained they refunded me it as goodwill. So *I* have operated the account perfectly but it still shows a goodwill charge refund, with no reason attached sadly. This particular account I use mainly for work travelling expenses. My employer has provided me with a company credit card; they pay my expenses into this account and the credit card DD comes out. If I've done some driving then there is usually a bit left over due to the mileage rate being greater then the cost of the fuel used. I haven't been travelling with work for a while so the account was almost empty. Ages ago I bought a couple of bits off eBay. I also have my Paypal linked to this account, so anything I sell goes into here and I use it to buy stuff. For some reason Paypal took forever to process the payment. I hadn't noticed the payment wasn't taken (two items; one of them was taken, the other wasn't). I then bought something else off eBay, checked my account balance and paid using Paypal. Just before Paypal took the payment for this item, the original popped up. It was only for about £6 but it meant that my account was £3 short for the latest purchase; i was rejected and Halifax charged me £35. I transferred £35 into my account before the charge appeared to avoid e.g. unauthorised overdraft fees; perfect customer as far as Halifax is concerned I guess. So basically, they charged me £35 due to a £3 transgression. I phoned them up and asked for a refund, but since I'd already had a goodwill refund back in the summer (3rd party error, remember, ffs) they wouldn't refund on this occasion. Do you reckon it's worth going down the route of putting a claim in? I'm just a bit miffed that £3 cost me £35...

Hi there. What did they charge you for?

Doh, I made a typo in the account number... I received the attached letter back from NW today, so I'm about to post a new request with the correct account number. It would seem that NatWest have a CCA team... Also, they returned my initial letter to me, which was stamped 'RECEIVED BY SPEC/REC DEL' in red.

Indeed

Are you sure about this? The Act was a response to someone shouldersurfing a BT engineer and accessing BT systems using his passwords. But the Act was introduced to cover all unauthorised access to computer systems, not just the ones you mention. I stand by my comments re. Section 1 as the access was unauthorised, but I guess it could be argued that permission to access was implied due to the sharing of the password? I withdraw my comments about section 3; it cover trojans, viruses and *phishing* amongst other things, but phishing or social engineering don't apply here. Section 2 may still be applicable though, depending on what the OP said about her spouse. But as I said in my post, whether the Police do anything is another matter.

You can be prosecuted under Chapter 18 of the Computer Misuse Act 1990 as follows: Section 1. Unauthorised access to computer material Section 3. Unauthorised modification material and possibly Section 2. Unauthorised access with intent to commit or facilitate commission of further offences (depending upon what you wrote about him) Section 1 carries a maximum sentence of six months imprisonment and/or up to £2000 fine. Section 2 and 3 carry a maximum sentence of five years imprisonment. Whether the Police etc. actually do anything is another matter, of course.

The CCA letter is basically what you send off to request a copy of the credit agreement which they hold for you. They will either: Ignore you Send you a copy of their current terms and conditions or some other such bollocks Send you e.g. a copy of the application form you signed which might not have the proper prescribed terms included which are needed to make it enforceable Actually send you a valid and enforceable credit agreement (unlikely, from what I've seen on here but you never know) send 'em this: 1 High Street, Newtown, Kent R21 4RH June 28, 2006 The Loan Company Company House, Church Street, Newtown, Kent, R1 7HG Dear Sir/Madam Re:− Account/Reference Number 4563210025897412 This letter is a formal request pursuant to s.77/78 of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide. I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request, the provisions of s.77 will apply. If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties. Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection from Unfair Trading Regulations 2008 (CPUTR). I enclose a postal order in the sum of £1.00, which is the statutory fee. Note that these funds are not to be used for any other purpose. If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee. We look forward to hearing from you. Yours faithfully Enclose a £1 postal order and DO NOT SIGN THE REQUEST. Send it by recorded delivery and sit back and see what happens. They have 12+2 days to respond with an enforceable agreement.

Hi tigger! First thing is of course not to panic! And as Hillards said, read the other threads around here, you'll find that what a DCA says they can do, and what they *actually* can do are two different things. Might be useful to list which DCA's you are dealing with, when you last heard from them and what they are chasing you for (credit card, mobile phone etc. etc.)

Subscribing, interested in seeing how this all turns out. Good luck ND

Hmm that'll be one for *their* 'ignore' pile...

Because I didn't see the T&C's when I 'signed up'. Either way has been a learning experience, but I might as well try and get my money back.

Yes, I cancelled it as soon at the text messages came through. The first text was a 'this service is £4.50 per week' type message, that's when I realised...

Lolly, it probably depends on how bad a day the person answering the mail has had lol

Yeah, it's my fault I didn't notice the scroll bar. But I might as well at least try and get a refund somehow.

NM, I just found this thread: http://www.consumeractiongroup.co.uk/forum/egg/176697-letter-egg-response-cca.html I've lifted the letter and will send it off today. I'll post up again when Egg respond...

Two letters from Egg dropped through the door just now, one for each card. Both were headed 'Return Of Cheque Payment', and read: Dear Lunar Jim Thank you for your recent request to us. We were, however, unable to process this request as: The request was not signed Egg places paramount importance on the security of client data. If you still require this information please sign and return the letter to the following address: Egg etc. etc. Delaying tactic? Capital One had no issues with an unsigned request, and AFAIK one is under no obligation to sign a letter. Could someone please offer advice on how to get through this initial barrier?

Thanks Martin

Ok, maybe I've been a bit stupid here, but I entered a text competition and I've been charged for doing so. The competition is here: uk.winstuffhere.net - WinStuffHere The T&C's under the picture state that you are charged to enter it. However, I use a HD LCD TV as my monitor, running in 720p resolution, and this is how the screen looks to me: See the problem? The T&C's are hidden due to my screen's resolution... I've fired an email off to the company asking for a refund but TBH I'm not getting my hopes up. Can someone please suggest what to do next? Cheers

Well, they can't collect what you now haven't got! I'd be sending them a CCA letter myself, I can't imagine they'll hold an enforceable credit agreement if it's been runnning a few years. It'll only cost you a quid to find out, anyway.

What was the debt with Moorcroft for? Wonder whether it would be worth sending the letter above to them too? It's a bit **** them upping the monthly payment unilaterally like that; can they do this?