Thanx for the tip. May well come in useful in the run up to Christmas...

It seems as though he can't. Reading between the lines, he's not long been promoted, and in the RAF promotion = minimum return of service. I'm guessing he's just received his NVQ Level 3. If he works on aircraft as a fairy, rigger or whatever this will have involved a lot of time and effort on his behalf. Only now he's being messed around left right and centre, so he's had enough. Same as anyone would feel in his position. The fact JPA is being turned off for the RAF whilst the Royal Navy go live with the system only makes things worse. The RN go live date is towards the end of October. So it would seem that JPA will not be able to resolve this matter until at least the end of November. I'd still try the chain of command route. Be firm but polite, see your divisional officer or equivilent. Tell him/her you need the money or you'll suffer financial difficulties as a result. If you find the right people and push the right buttons you'll get the cash.

The problem is, is that he is not alone. He is only one of an estimated 3500 - 4500 who this has happened to. The RAF intoduced a new method of paying its personnel a few months ago. They have had numerous 'teething' problems. Some of which have resulted in severe delays to many airmen/womens incremental pay rises being updated. This is a huge problem at the moment. Sad thing is, the Royal Navy are just about to 'go live' on this same system also, with the Army following suit soon. It's obviously driven by the MOD. Sadly, like so many 'good ideas' they haven't quite got this right from the beginning, thus resulting in the many issues being raised by many service men and women today.

As you are in the RAF and now under the new JPA system for all your pay and allowances I'm not really sure what you can do, but I hope that this will help you. I'm assuming that you are not being paid on the correct pay scale. If so, is it not now up to you as an individual to enter any changes into the JPA system?. If you have done this and they have not yet altered your pay then something is very wrong. If you are 100% certain you are being paid the wrong daily/monthly rate and this is causing you severe hardship then you are well within your rights to use the chain of command in order to gain assistance. They are able to give you the cash that you are owed in your hand via your cash office on the station your are based at. They may well try to tell you that they can not do this, but they can. If you really need it, then fight hard for what is yours. Please take care in how you deal with this. You said that you are not bothered if they discharge you if you create to many waves. Really you know that this would not happen. However if you go about dealing with this in the wrong way then it would end up costing you in other ways. Hope this helps. Buster

Hi Nita, thanks for the quick reply. You are correct. The amount owed minus all the charges and PP is just under £60. The DCA said 'not interested'. So I sent a request for a copy of the CCA using this letter: Dear Sir/Madam, I am writing in response to correspondence received from your office dated 30/08/2006. I do not acknowledge ANY debt to your company. I require you to supply the following documentation before I will correspond further on this matter: 1. You must supply me with a true copy of the alleged agreement you refer to. This is my right under your obligation to supply a copy of the agreement under the legislation contained within S.78 (1) Consumer Credit Act 1974 (s.77 (1) for fixed sum credit). 2. A signed true copy of the deed of assignment of the above referenced agreement that you allege exists. You are notified that you are obliged to supply these documents, whether you are the original creditor or not under S.189 of the Consumer Credit Act 1974. Non-compliance with my request is a criminal offence under the above Act and will result in a report being submitted to the relevant statutory authorities. As you are aware, a credit agreement that is not properly documented and signed by the customer is totally unenforceable under the CCA and therefore is a complete defence to any court claim that is issued. I enclose a cheque for the sum of £1 as payment of the statutory fee. Yours faithfully Now I don't know if that was the correct thing to do or not. Any help/advice on what to do next??

Hi All, I've been away for a few weeks and my story regarding Ace is on page 2 of this thread. Basically my wife has been messed about something wicked by these blighters so we did the following: Sent of a request for a true copy of the original CCA to the DCA (Wescot). This was posted on 09 September 2006 & signed for on 11 September 2006. When I arrived home their were 2 letters regarding this situation. The first dated 18 September 2006: From a solicitors called Nelson Guest & Partners saying they are acting as instucted by Wescot Credit Services (DCA). This basically says I must pay within 7 days. The second, dated 27 September 2006: This is from Wescot (DCA) and reads as follows: Dear xxxxx Following your recent request for a copy application. We can advise no agreement is required to accept delivery of goods sent to your address, however, we have returned your account to our client and enclose your cheque for £1.00 Please contact our client to discus repayments direct. Trusting the above clarifies the situation. Yours faithfully So what do I do now? Is the information contained within the second letter correct, don't they have to supply the CCA?

Hi Nita, thanks for your reply. No I've not started any legal action yet. I'm just waiting now to see where the last letter I sent will get me. They signed for receiving it on Monday, so I'll just have to wait and see. I have pointed out that we never opted into this payment protection plan, and informed them that if we'd opted in, then they should provide us with evidence to support this. Obviously they can't, so we'll wait and see. The last letter I sent was a request for a copy the CCA, I'm not sure if that was the best thing to do but thought, hey what the heck. Thing is I'm going away on Sunday for two and half weeks so nothing will proberbly move forward until I get home.

Well done you...... I'm currently going through a similar thing with Ace, although the account is in my wifes name. It's good to see that someone in a similar situation has managed to get their charges refunded. My biggest concern was this payment protection thing. They charged it a few times to the account a few years ago, but each time we noticed it on the statement we phoned up and complained and the charge was taken off. Then all of a sudden after about 18 months it was back on the statements again, only this time phoning them up didn't get anywhere. They told us to put our complaint in writing, we did, but the charges kept coming. To cut a long story short, we said 'Take the charges off, or we're not paying you anymore'. They didn't, so we stopped paying. That was quite a while ago now, then a couple of weeks ago we received a letter from a DCA called Wescot Credit Services saying we owe £588, and if we didn't make an agreement to pay then they would add on another £150. Thing is when all this went into dispute we owed Ace less than £100, and if you take away the payment protection that they shouldn't have charged us for then it's less than £60. I'm still trying to get somewhere with this, but have just this weekend sent Wescot a letter disputing the total debt.

Just like to say hello to all on the site. Been having a look around, this place is packed full of useful information. I'm sure it'll all come in handy of the next few months. Regards Buster111