I'm at a critical stage of arranging an IVA: pre-creditors meeting. I'm beginning to realise that the company organising the IVA are running rough-shod over my financial affairs and I am at risk of losing my business if they upset too many of my creditors. The creditors are at the stage where they're about to file for bankruptcy, although they probably won't, as they'd get nothing, but some of the smaller creditors are that dull, they just might. If I go ahead and allow this company to hold the meeting and arrange the IVA, and they continue to behave irresponsibly with my situation (our situation - I have a business partner), can I replace them later? Thanks anyone.

Hi, I just thought I'd leave a review of Killer Mobile software, if anyone is thinking of purchasing it for their mobile phone. One peice of their software, supposedly, blocks unwanted calls (BlackBaller). Their other main peice of software is supposed to automatically record all incoming calls (TotalRecall). Sadly, I have tried both of these programs and NEITHER of them worked. After continual contacts with their support team, the software does not block calls and does not automatically record anything. In all, the software only cost around £15, but it was £15 and a lot of time that was wasted and the Canadian company refuse to make refunds. :S I'm not sure if that is legal, so I'm looking into it. There are other, similar software names that I'm about to try. I'll post the results, should anyone be interested.

This site is useless. You can easily waste hours reading unhelpful wafflings from people who clearly have no clue about how to help desperate people. These Halifax charges have been in place since last December and not one person has added anything useful here. FOS are completely useless, so I wouldn't even bother writing off to them. Also, advising people to send off useless templates to banks who clearly do not give a **** about your opinions is just a waste of their time and adds to their worries. While you all sit here blowing smoke up each other's ***** there are thousands of desperately poor people looking for help. Thanks for nothing you wasters. Where are the legal advisors or MPs and people who know what they're talking about!? And as for everyone else, there should be a clear rule for this site - if you don't have something helpful to say, don't say anything. Otherwise, the site managers could split the helpful comments from the whitterings. It would probably take 2 minutes to read things that now take 2 hours.

I've just passed all my stuff to a solicitor. I don't have any more time to waste trawling through endless threads on here, only to get a smidgen of correct information or direction, amongst all the babbling and back-patting for tiny successes. These successes are doing nothing to change the behaviour of creditors and DCAs. It's only the legal action which is making these companies sit up and listen. These companies need to have their asses kicked, and I believe that only a solicitor can do that. Yes, I'm going to have to pay for it too, but this site does not help the majority of people. There is far less help here than people are prepared to admit, and no defenses against the illegal behaviour of these unscrupulous lenders.

You can complain to the Financial Ombudsman Service, but they are as much use as a one-legged man in an ass-kicking contest. This is all I got back from Consumer Direct: I have reviewed your case and it appears that your enquiry falls outside the remit of advice offered by Consumer Direct. I have checked the Financial Services Authority Register and Paypal is not registered with the UK it is EEA registered. As such, you can contact the UK European Consumer Centre for further advice on 08456 04 05 03 or [email protected]. Please note that in offering this advice, Consumer Direct Wales wishes to make it clear that it is based on the evidence to hand on the above date and is subject to revision or amendment in the light of further evidence. Only the courts can interpret statutory legislation with any authority. If you need any further advice then please contact us on 08454 040506 or alternatively we offer a Welsh line on 08454 040505 Probably not much help either, but there you go.

I was told this: CONSUMER/LEGAL ISSUES WITH PAYPAL OR EBAY? As eBay and PayPal are registered outside the UK, contact: UK European Consumer Centre [email protected].

What's unrealistic about warning people at the point of sale that no protection exists if someone claims that they haven't received an item and you don't have proof of delivery? What's unrealistic in warning people that even if they do have proof of delivery, then unless there's a signature a refund will automatically be made, OR if someone collects an item then you must have proof that they collected it - at the point of making that agreement - ON EBAY? What's the big problem with eBay taking that action as part of their responsibility to the customers from whom they make HUGE profits? What's the big issue? They don't. And because they don't people are still being conned. And in your opinion Buzby, that's their own fault and they should stop griping, it seems. Also - "The truth hurts"? Are you sure you're a Platinum member? I don't think people come here to listen to handbag titty swipes. And they don't come here to listen to unsympathetic, 'serves-you-right-for-being-stupid' views from so-called experienced members who choose to brown-nose these greedy companies whilst they skank their customers. Consumers enter contracts at varying levels of ability and knowledge, so I think it's fair for eBay and PayPal to protect people as much as they can - not ignore real issues of theft. You've said nothing about this lady's rights under consumer law, although you seem to know PayPal rules a little. Anyone with any real, 'legal' input into this type of transaction?

I was also stolen from whilst using PayPal and eBay. When I tried to post a thread warning others about the low level of protection offered by PayPal and eBay on their noticeboards they deleted my posts, saying that I was using the wrong 'code' (eg HTML, C++). In other words, they used a pitiful excuse to delete my criticism of their poor standards.

That's so helpful Buzby - NOT! Next, you'll be blaming mugging victims for carrying too much money. You might as well just say it - "It's your own fault!" PayPal and eBay have proved themselves to be far less than responsible in protecting their users, both sellers and buyers. If they are willing to take a profit from these situations then, like the rest of us in this country, they have a responsibility to protect those that pay for their services. Just washing your hands with consumer rights is not the answer. Wouldn't it be more helpful to suggets that eBay and PayPal, and all the other online trading companies who turn HUGE profits from consumers, make it VERY clear to people where the risks lay whilst using their services? After all, in most cases, it would cost them very little to do so - to flash up warning signs at certain points. It's common knowledge that most people do not have the inclination to read the pages and pages and pages of their various user agreements. Most likely, then, either we become more and more distrusting and trust nobody, or we work toward finding ways to punish the criminals, not the trusting and honest in society. "because a small amount of people do not have the ability to think through the consequences of their actions"? So, we all should change our ways to accommodate the criminal behaviour of a small number of people in society and the websites that make it much easier for them to steal from others? We are already being forced to charge each other more money for postage because these 'lost packages' and thefts occur. That is so obviously a [problem] that eBay and PayPal are enjoying. Do you think that this has something to do with why they actively refuse to help the few who have been victims of obvious theft? They are equally criminals, in my opinion.

PayPal are governed by whom, then? Some items I sent went 'missing', but the buyer was too threatening and keen to get an instant refund to convincing. I asked PayPal for time to see if the item would show up, but they instantly refunded the buyer. Those items could well still show up. They also didn't give two hoots for me to make any further enquiries of the post office, they wouldn't wait. Also, I sent money from my PayPal account to my bank account, and then used some 'echeques' through PayPal (via my bank account) to pay for some items. When I asked PayPal specifically if they would honour those payments, on time, they specifically said yes, then they didn't (obviously!). I got charged by my bank as PayPal tried to pay the echeques, whilst still holding my money in their account. PayPal refused to pay the bank charges. They really are a joke and offer no real protection if you're a seller. All your protection comes from your own insistance on recorded delivery and insurance. They need tighter regulation. And what is their relationship with eBay anyway?

Will do. Thank you.

Pffff. haha. I keep forgetting to check the dates. LOL I'll crawl into my cupboard again. Bye!

I don't know whether to cry, or cry. They've sent me this - a signed agreement. http://i719.photobucket.com/albums/ww200/runmonkey/Halifax%20CC/HalifaxAgrPage1.jpg http://i719.photobucket.com/albums/ww200/runmonkey/Halifax%20CC/HalifaxAgrPage2.jpg Waaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaa! (:o(::::::::::::::::::: hehe. Any ideas anyone? It does look a bit sus with the conditions pasted on the back (a different size etc) It makes me wonder if they were there at the time of signing, or not. There is no signature date. There is no signature from their company. They got my date of birth slightly wrong when they typed it onto the form. Also, my registered bank is wrong, but the sort code is right. I have to say - it looks right. (:o. Am I the first ever person to have had a real one sent to them? I was thinking of asking them to transfer the actual document to a local branch for my inspection. ??

Fanx! Works good. Cool post too, shame it doesn't cover credit card agreements. Is there a post on here that is pushing for disputed accounts to be removed from CRAs? (Lack of CCA etc) I've heard one or two have had success, though.

Hey, I read somewhere yesterday (on here) that you can be personally sued for breaking the law on behalf of your company. I would, personally, send the copy to the credit reference agencies and tell them to remove the entries.