Can TSB sell on a disputed account??????????????

Thanks for you help. Defaulted 19/01/2009 £384 TSB sold it onto Lowell. I had started to claim t back from tsb has it was made up mainly by charges but then there was a stay on bank charges and I just forgot about it to be honest. Lowell have taken out the CCJ. I threw it away because it just didnt look right and the amount was £518 so I did not connect it with TSB. I am funding 2 families at the moment and cash is really tight so I just need to get this sorted out.

I think there was a form that looked like a court form but it just looked not quite right so I threw it away.

Lowell have obtained a CCJ on a TSB account from 2009. Can anyone give advice on what I can do to sort it out. The TSB account was overdrawn but did have bank charges.

Thanks to everyone that replied. There was no cheating 100% no cheating. BUT my son was playing on his dads comp, that does use trainers for other games.I have read on the internet they scan your comp so maybe that's how the vac ban has been enforced. There is some good news though I have been able to get my money back.I had bought the game form Amazon and has they had not shown the back of the game case on the selling page which shows the license agreement that I should have read before purchase that would have made me aware of the legal stuff.I phoned then up and explained that I was unaware of my rights because they were not shown or not mentioned in the product notes.They agreed to give me a refund. I believe STEAM are taking advantage of people.They will not offer proof and there are 1000's of class actions in America and over in Europe so maybe something will happen.I will be sending office of fair trading a copy of my letter.

What is Steam and why is this a consumer issue. Steam is a digital distribution, digital rights management, multiplayer and communications platform developed by Valve Corporation. It is used to distribute games and related media online, from small independent developers to larger software houses; in October 2012, Valve expanded the service to include non-gaming software. Steam provides the user with installation and automatic management of software across multiple computers. Steam, through Steamworks, provides a means of server browsing for multiplayer games that utilizes the Steam Community features, allowing users to create lobbies with friends or members of common groups. Steamworks also provides Valve Anti-Cheat (VAC), Valve's proprietary anti-cheat system, for game servers to automatically detect and report users who are using cheats in online multiplayer games. What is VAC? Taken from Steams own website. If a user connects to a VAC-Secured server from a computer with identifiable cheats installed, the VAC system will ban the user from playing on VAC-Secured servers in the future. While server admins may choose to ban specific players, server admins cannot VAC ban players. The VAC system is automated - contacting Steam Support to report cheaters is not necessary, nor will Steam Support act on any information provided. The VAC system reliably detects cheats using their cheat signatures. Any third-party modification to a game designed to give one player an advantage over another is classified as a cheat or hack and will trigger a VAC ban. This includes modifications to a game's core executable files and dynamic link libraries. Contradiction Reporting a new Cheat Also taken from the Steam website If you know of a new cheat, especially private cheats (ones that aren't on a public website), and can provide the links or the actual binaries, please visit the SteamPowered Forums and PM (private mail) a moderator there and it will be reported to the VAC team. So you purchased game that can only be operated through STEAM.Your happy playing your game then the next day you log to play and you have been VAC BANNNED.You can no longer play your game and you cant sell it on has the registered serial number is also banned and cannot by use by anyone else. When you ask why this has happened. Steam will not provide any details and say they do not need to provide them. This is an email from STEAM Thank you for contacting Steam Support. 18 March 2013 Our system indicates that the account has been permanently banned by the Valve Anti-Cheat system (VAC) for use of cheats or other unauthorized modifications. Steam Support is unable to lift the ban. We will not disclose the cheats which were detected, nor will we provide the date and time the infraction took place. VAC has confirmed that the ban on the account was applied legitimately. This ban applies to a Steam account (regardless of who was using the account at the time the infraction occurred). The use and security of the Steam account is your responsibility. If you choose to purchase a new copy of the VAC banned game(s), please create a new Steam account to register the game(s) on. This is a bog standard reply. We have had the game since FEB and can no longer use it. NO cheating been done. The gaming community are well aware of the problems with VAC BANS and Steam but still distribute there games through them. As of December 2012, there are over 1860 games available through Steam and 54 million active user accounts. As of January 2013, Steam has seen over 6.6 million concurrent players.Steam has an estimated 50–70% share of the digital distribution market for video games.* As of 2012, it is estimated that over 1.5 million Steam accounts have been banned by VAC.* There are at least 10 known instances of the system kicking or banning for false detections. Most notably in July 2010, approximately 12,000 owners of Call of Duty: Modern Warfare 2 were falsely banned.* I know that lots of people have had trouble with VAC BANS but what has a consumer what can I do to take action against them. I know I spent £35 for a game that I can no longer use and obviously will not be using STEAM again. *stats info from Wiki and internet

how does £30 get to £200.if you did not get the final bill with cancellation fee and have no knowledge of this amount or the money going from your stepsons account you need to get a Subject Access Request sent off to 02. so that you can find out if a final account letter was sent out or not.you can get a template letter on this site from the forums library under the heading bank templates and adapted to your needs,this will cost £10.with a S.A.R 02mobile will have to give you all the information they have regarding your stepsons account including any letters sent to you.I think if you have a case to approach the bank once you have all the details via a disagreement resolution procedure.

bought a laptop from t-mobile within a week returned no connection to internet this happened 4 times then about 2 months later a key came off phoned customer services to get repaired 6 weeks later no joy we were also restricted due to fair policy use although we spent 2 hours telling the guy in the shop we wanted unlimited access then 2 more keys came off .So i wrote to t-mobile that i would pay the next bill due but no more and they had 10 days to come and pick up the faulty laptop or i would take it back to the shop in the meantime i paid the bill and boxes up the laptop.no one came so i took it to the shop and left it there,I have had no communication about the laptop from t-mobile only a bill for £364 ans a default notice that i have now seem on my credit report.is there anything i can do to get it removed?

well done Steveyo a galant victory.i agree with your discription of the council too!!.

my car was wrote off in a non fault accident.the other party accepted blame at the scene.my insurance company valued my car at 2500 then deducted money off for market differences ,condition(fair)and offered £1905 as i had fianance still owing on the car they paid this to the finance company.i had thought the valuation was under valued so i had not accepted the offer and had sent proof and was unhappy about what they were saying about the condition has it was exellent the only problem with it was a cigerette burn on the rear passenger seat which was there when i bought the car,they ignoredthe proof and paid the fiance company.i only found out when they came to take the hire car back.so now iam left with no car and no money to get another,can any one give me advise on what if anything i can do.

who gets the money from the salvage of your vehicle when the insurance company makes your car a total loss??????????

THANKS EVERYONE WHO HELPED ME WITH MY SURVEY . I GOT THE HIGHEST MARK POSSIBLE 6A PLUS GRADE A* FOR EFFORT. THANK YOU VERY MUCH. SORRY ABOUT THE DELAY . JESSICA AGE 12.XXXXXXX

Thanks Very Much.jess Mum

THANKS MAMIE JESS WILL AND UPDATE YOU ALL WITH HER RESULTS TOMORROW;)

HI GIZMO,JUST CHECKED HER DATA COLLECTION WEB AND SHE NEEDS JUST 8 MORE REPLIES THANKS FOR TAKING THE TIME AND SHOWING A INTEREST KIDS THESE DAYS DO GET A BAD PRESS.THANK YOU AGAIN MUM.