My Mother-in-law sent for a "free sample" of the above tooth whitening product, in response to a pop-up ad. on the internet.

Two packages were delivered to her home, before Christmas, as she was leaving to spend the holiday period with our family.

She returned home, yesterday, and on checking her Barclaycard statement, she finds multiple amounts (five in total, ranging from £0.82 to £62.27) have been charged to her account.

My Mother-in-law has, unwittingly signed up for a subscription to make monthly purchases of a useless product, at a cost of more than £120.00 per month.

The small print on the confirmation e-mail she was sent, says she can return the product, at her own cost, but will only be given a partial refund, and only if she does so within fifteen days.

She has contacted Barclaycard, who will block any future demands from this American company, but is there any way that she can get her £127.00 back?

Hi Mike,

Thanks for your interest and reply.

Yes I have tried it, and sent it recorded delivery, also a copy to Complaints, this is what I actually wrote:

Collections Dept.

Santander Cards Ltd

2, Triton Square,

Regent’s Place,

London,

NW1 3AN 22nd August 2012

Dear Sir,

Credit Card Number: xxxx xxxx xxxxx xxxxx Re: Harassment by telephone

I am writing in relation to the quantity and frequency of telephone calls that I have received from your company, which I deem to be personally harassing.

I have verbally requested that these stop, but I am still receiving calls. I have written confirmation of my request that all communication should be in writing, in a letter, dated 20th July 2012 (your ref: xxxxxx) from Amanda Brown, Complaints Investigation Officer.

I was under the impression that I had made quite clear to several members of your staff that my wife is recovering from cancer surgery and chemo-therapy, and finds your harassing telephone calls, both stressful and not conducive to her convalescence.

I therefore repeat my request that all further correspondence from your company be made in writing only.

I am of the view that your continued harassment of me by telephone puts you in breach of Section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1997.

If you continue to harass me by telephone, you will also be in breach of the Communications Act (2003) s.127 and I will report you to OFCOM, Trading Standards and The Office of Fair Trading, meaning that you will be liable to a substantial fine.

Be advised that any further telephone calls from your company will be recorded, logged and monitored.

Yours faithfully,

pipandjackadncol

Result, no acknowledgement from either set of morons and total non-compliance.

Sent a recorded delivery letter to Santander Cards two weeks ago, with a copy to their complaints dept.( they had already acknowledged a previous request to only communicate in writing)

I still get daily 'phone calls, which are upsetting and stressful for my wife, who is convalescing from cancer.

If I answer, before they ask any security questions, I ask for the caller's full name and date of birth, which, of course, they refuse to give. I then tell them that I am unable to speak to them and hang up.

They still call again the following day. These people can't read, or think they are above the law.

I've had a Santander credit card since November 2010 with a £9,900 credit limit. I've made payments every month, above the minimum payment, and in plenty of time, always paying by standing order.

Last June, my wife was diagnosed with cancer. She has had two major operations and a course of chemotherapy, and is now, hopefully, on the mend. However, she has not worked since last June and funds have been tight. This has not affected my payments to Santander, but on two occasions in recent months I have gone over my credit limit. This has not been by more than £100, and has been rectified as soon as I have realised it. Santander have never had to write to advise me, although they have, on each occasion charged a £12 over limit fee.

This morning I received a letter from them, saying that , as from June 1st, they would be increasing the interest rate from 16.9% to 23.9% per annum.

Is there anything I can do to prevent this situation, whereby, from just managing to keep our heads above water, the extra £50 per month interest will make life very difficult?

I've tried two post offices, and they both deny any knowledge of being able to send photos to the DVLA, or being able to use a passport photo. I can't see any reference to this in the leaflet that comes with the driving licence application form either. Have you any advice, please?

Hi Nottingham.,

please excuse my ignorance, but who or what is DIAL?