Hi - from the horses mouth so to speak. I work in a main dealer and have done for several years. An old trick by salesmen is to promise the earth to close the deal...like free servicing.Customers actually think the salesman is telling the truth! They never ask for it in writing. The result is that when the customer goes to service there is no back-up on the free off, hence you pay cos by this time the salesman has usually moved on. My advice is to ask to see the deal pack. Somewhere he may just have jotted it down. If that fails speak to the dealer principal & if a PLC complain to head office. A letter to the manufacturer is never wasted. The customers who succeed are the ones that do not just pay up but keep complaining. Experience tells me that the customer who does not go away gets theiur money back!

Whilst working in Kuwait i kept my LloydsTSB account active. Expenses built up as i was running my house in England + one in Kuwait. The first month proved difficult. I skipped depositing money in my account in the belieave that i good make it up. What i did not expect was the BANK profiting. The started by bouncing DD's and charging for them. Small DD's like £7 TV lisence attracted £25 charges. Before i knew where i was i was over my OD limit. Each month i paid in £2500 only for it to be gobbled up by the bank. £456 on their loan (paid) and £230 on their Credit Card (paid). All the rest, DD's and mortgage were kicked back and charges levied. On average £1200 a month in various charges made up by DD's going back, reverse charges from the DD requester, interest etc etc. The bank phoned me in Kuwait and i asked that they cancel all my DD's. They did but allowed each company to reinstate them resulting in more charges. Even though theyknew i was abroad they continued to write to me in an empty house. The refused to email me telling me what they were returning. Eventually i returned home and sorted everything out with all my companies. Brought all accounts up to date but not before 2 defaults on loans were racked up, a house repro started. The result is that i have now sold my house, paid everyone off and tried to claim back the £9000 in charges made. The bank reponse "we did write to you but you did not reply and you knew about the charges cos they are on the back of your statements. No refund!". Never received the letters or statements...i was abroad and they knew it! What to do? John :( [email protected] 07871 442622