After sending the standard letter from this site I received a prompt response from the Bank of Cyprus today. However, I am rather unsure how exactly to proceed. I have looked closely at the site and been unable to find what the best course of action is. They have responded with the following text. 'Thank you for your letter dated 21st August 2006 claiming a refund of charges made by us in the past. Our charges are clearly stated in the literature given to our customers when they open their accounts and are also readily available on the internet. We believe we have operated lawfully in accordance with the Banking Code with regard to your account. However if you disagree perhaps you could point out to us what stature or consumer regulations you think we have breached. If as you state we have breached common law, could you please tell us what decided cases you are referring to. We look forward to hearing from you.’ So what I am really asking is how to respond to them. Most of the forum posts are regarding lack of responses, how do you deal with them when they want proof of their errors? Any help would be gratefully appreciated…

I believe it was the Council.

Someone borrowed my car and it seems managed to accumulate two parking tickets. I have recently received information and a visit from two bailiffs demanding the outstanding funds. Firstly I was not driving the vehicle at the time, does this mean I am still liable for the two tickets. Secondly since I never received the tickets if I am liable for them how can I dispute the amount? Any comments suggestions would be gratefully appreciated as I am little lost here as to what route to take with them. I am also trying to find out whether the area I parked in had signs to stipulate it was a controlled zone or not.

The question wasn't regarding speeding offenses and getting caught. It was to do with signs. I know that street lighting is in essence a 30Mph limit. However, I am referring to signage in general. Going from a limit to another requires that two signs be displayed. The same is true if you are coming into a controlled zone or leaving it. If they is only one sign when you enter or exit the controlled zone, or a speed limit change it will render the ticket invalid. However, I am unsure what section of law this comes under and I wanted the specific law if anyone knew about it and where it was. Next time you are out driving if you look when you enter a Controlled Zone, or a Change of Speed Limit you will notice two signs, one on either side of the road facing you. I am refering to those signs. Alex

You do not require proof of posting for service. As soon as an item is posted it is classed as being served. PART 06 - SERVICE OF DOCUMENTS If the item is posted First Class, then it is deemed served the day after it was posted.

I have an issue with Lloyds; I have only sent them a prelim data access request letter at this stage. However, many years ago, I had an OD that amounted to £7.5K, I well let’s say couldn’t pay it, so they converted it to a loan and removed the OD. Since I had business connections with them I was managed by what was then a Business Account Manager, including my personal account. Anyone with a Business Account will know that you do not get managed by the usual personal call centre. Anyway, I went to UNI, couldn't afford the repayments here and there, instead of charging me my account manager at the time bounced the loan. Sent me a paying in book and asked me to settle it when I could on a regular basis, in other words every three months when my student loan was paid to me. Unfortunately for me Lloyds changed their account management structure, my account manager left and I got some erm...Muppet... he would not agree to continuing the unofficial agreement I had with my previous manager. So he bounced and caused no end of fees on my account. My account was passed to the usual array of Collections people in Brighton. I subsequently complained and got my account moved and an apology from them. However to this date I have not obtained my charges back, although my current account manager requested that I sent him the correspondence to deal with. So I will approach this somewhat slightly differently to see what they say first. Sometimes you can be amazed that they just refund because they can’t be bothered to deal with you, and if they keep you they know you will generate more income for them.

Well after reading this and other sites, I decided to take some action against a former bank of mine. A small bank based in London/Manchester/Birmingham that well prides itself on its inability to even perform the minor functions of day to day banking within the realms of UK legislation. What you may ask is the name of this bank...well its the BANK OF CYPRUS (LONDON) LTD (Bank Of Cyprus) First letter went out to them today. Let’s see what they do with it...I am making an assumption here but I think they will just bin it because they wont know what to do with it...

The only query I have after reading your sample letter is this. Does this mean that all your data is removed or only the adverse data, i.e. the Default notices?

Exactly, being that the software doesn't work on your machine doesn't mean it wont work in a stores machine - therefore you have not proved the item is faulty. Hence why stores do not take open box software as a return, and why you obtain your refund from the manufacturer directly. READ YOUR EULA!

You have to return the WHOLE item. They are not refusing to credit you so you will loose any action against them. You must return the exact item to obtain a credit as sold.

John Lewis it has to be said realise that customer service is as important as selling things cheaply. I ordered a carpet from them a number of years ago. Anyway, it was a runner for the stairs, so it was whipped. They well to put it politely screwed up laying and cutting it. In the end they had to order a brand new carpet, which was the heavier one, and i received £400 off. Although, the best case with them was the sideboard. I ordered one of these cheap Indian made Sideboards when I first came into this house. It was around £795, CHEAP CRAP...the saying you get what you pay for springs to mind. After three Sideboards and twice that they came out to try and plane the doors etc with the faults it came with, the decided to just refund the money. I still wanted a new Sideboard. All the rest in the store where £2000, slight jump, so after a bit of haggling I managed to get them to lower the cost of the new one to £1395, and refund the £795 for the old crap one... So not bad... From what I know each store has a slush fund for customer complaints anyway, a percentage of sales are kept aside to deal with these things. Imagine getting this kind of service from any for the DSG stores!

I wanted to start a thread on this issue as I am partly aware of the law but I do not have the finite detail regarding this issue and wanted to see if anyone has the relevant legal definition. I am aware that in order to issue a Parking or Speeding ticket to someone certain conditions must be met. However, one prerequisite is that signs must clearly display on both sides of the road at the entry of a Controlled Zone and the Exit of a Controlled Zone. The same is true of a change of Speed Limit. There must be a sign on either side of the road to display at the entry points of a change of speed. If there isn't the ticket that is issued is invalid. Does anyone have any further details on the point of law this covers?

I have to say after reading this thread, I have to concur that PC WORLD, or really ANY part of DSG (Dixons Stores Group) are a COMPLETE PAIN in the proverbial when it comes to support and returns regardless of what the item is. There is one problem with software; you do not have per se faulty software, just incompatible software. It does not matter how much testing you produce before the item is released to manufacturing there is bound to be someone out there in the world that cannot run the software for various reason. It may be hardware or software issue, regardless of this it is not humanly possible to test it. Unlike manufacturing hardware/white goods which are easy to test, they either work or they don’t. The reason Stores in general do not like taking back OPEN BOX software is because it has been used, cannot be resold, and more often than not cannot be returned to the manufacturer for credit as most will not accept returns. Hell we don’t! I would suggest to anyone who purchases software to READ the EULA (End User License Agreement) as more often than not, you can obtain your money back from the manufacturer directly because the item is not working as it should. It’s very difficult to prove that software does not function as it should. Regarding DVD COPY tools, unless you live in a country (such as Canada) that allows CSS decryption technology to be sold with the DVD Copy Software than you will be unable to purchase software from a retailer that has the module inbuilt in the store. However, most reputable manufacturers will state this on the packaging.

Hi, I came across this site like most. However, I have an interesting case. I have gone through most of my statements as I keep them (I knew they would come in handy one day!) and sending off letters to the usual suspects. The only case that might be a little different that I am trying to get refunds on is an account held with the BANK OF CYPRUS which was when I held the account BANK OF CYPRUS (LONDON) LTD....so we will see how we get on with that one. Small amount, but they breached something far more serious, the DPA by giving my details to someone else! So if it does go to court...well there’s more to deal with. Anyone else had dealings with a small bank?