Could someone tell me how to change my login because I want to ask a question without them knowing and they will be able to tell who it is if I ask it using my normal login. Thanks Bob:cool:

It should be forwarded on to the right department. If necessary I would chase it up, but I wouldn't pay £10 again. For the future have a look at this...http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31052-contact-details-banks.html

Kaytutt, I am with you 100%. Bus drivers should recieve a lot more support from the people they are caring for when they drive. unfortunately it seems that passengers use a bus driver as a whipping boy, and take their frustrations out on them. "Sacked from your job?.."Argument with your girlfriend?"..never mind....have a go at the bus driver.

In defence of bus drivers, I drove buses in Peterborough for a year. I left because of the abuse suffered from passengers. Physical and verbal, bus drivers are not saints but belive me we take a lot more [EDIT] than we ever give back. Passengers tend to get the bus drivers they deserve, and the way drivers are treated means they can sometimes seem surly and unhelpful. How would you feel if you give someone a cheery "Good Morning" and the reply is "Where the [EDIT]have you been you [EDIT]?". Obviously the passenger thinks you got held up in rush hour traffic in order to spite them personally!!. The fact that you like Genesis does not alter the fact that you assaulted another person.

Thank you JonCris, But how about the "IF ANY" in the sect 77 when it taks about providing a signed copy of an agreement? Surely if there Has to be an agreement they wouldn't have put in that get out clause. Bob

Hi, with refernce to the CCA agreement I am helping my daughter sort some problems but we have become bogged down and could do with some guidance. Her account is with Droyds and in response to our letter they sent a photocopy of an unsigned credit agreement. They have argued that under Regulation 3 - Consumer Credit (Cancellation Notices and Copies of Documents) Regulations 1983 (SI No 1557 That they do not need to provide a signed copy of anything. I have spent ages trying to find the relevant Statutory Instrument without success. I have also studied the CCA itself and am worried by the wording, it says in section 77 .....shall give the debter a copy of the excecuted agreement (if any) and any other document referred to in it.... What worries me is the IF ANY in brackets. Does this mean that there may be situations where an excecuted agreement may not exist but a debt still be legally enforceable??????? Bob and Aleesha

Hi Brok. This might help.. http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31052-contact-details-banks.html

Thank you for the information Ladybird. It is very useful. I have spent weeks reading this site and had not come across the tutorials before, it is after all a very large site. So yes I'm afraid you do sound patronising.

Hi. You have a couple of options, the first is simplest, just put a cheque in with the letter and post it to your branch. Make sure you get a proof of posting for every letter you send. The other option would be to bypass your local branch and send direct to: Customer service Recovery Centre - Andover Lloyds TSB Charlton Place Andover SP10 1RE. Still get proof of posting though. i think for your first letter I would deal with your branch initially. Hope this helps a bit. btw start a file for your correspondence otherwise it can get very confusing very quickly. Bob

Burt. i have just put one of your charges into the google spreadsheet 31st May 2001 charge £14.00 with an interest rate of 16.9% and the interst owed is £22.91. What interest rate are you using?

Good. It soon adds up doesn't it? I have just taken a claim agains Nationwide to Court for my son and his charges were £1664.50 and the Interest I added came to £715.70. Luvvly Jubbly

Yes!!!!! Now I can do links.... That link get you onto a thread dealing with the contractual interest and Vampiress is very helpful if you get stuck

http://www.consumeractiongroup.co.uk/forum/general/6964-spreadsheet-interest.html I think that will work.

Burt, I suggest that you read the faq. the 8% should only be added AFTER you raise a claim in court. What you could/should do is work out the statutary interest and add that to your request for payment. I'll see if I can get a link for you. brb

This is part of my repy to Barclays Bank: .... You raised several pionts in your letter which need to be addressed. You claim that your charges are fair and transparent. I claim that they are excessive and unlawful, and as you have not provided me with any justification, or breakdown of costs, I find no reason to believe your claim that they are fair. You inform me that you disagree with my legal analysis of case law which I have outlined in previous correspondence. that is your right, and only a Judge can decide which of us is correct. You state that the OFT recommended a fee of £12.00. This is incorrect, I suggest that you study the report in more detail. You state that I may ultimatly become eligable to refer to the Financial Ombudsman service. Thank you very much, but this is completely irrelevant. As I have mentioned before this is a legal matter which I believe will be heard in the County court.