New Look's address: New Look can be contacted at: Head Office New Look Retailers, Mercery Road, Weymouth, Dorset, DT3 5HJ Tel: 01305 765000

Then stick by the time limits set by the first letter. Allowing 2 days for delivery, they have 12 working days to reply. If no reply, they are in default. After one calendar month (after the twelve working days) they have committed a criminal act. It doesn't matter what some trained monkey said on the phone. They have to stick by the guidelines laid down by law. Will try and locate a New Look address for youi

When did you send the first letter?

Here's the link http://www.consumeractiongroup.co.uk/forum/debt-bailiffs-advice/23687-theft-fraud.html This was relating to a DCA taking the money but the principle is the same.

Inform the bank and get them to do a charge back. They CANNOT take funds from you without permission!! There is another thread with a very similar situation. I'll find it and post the link here.

Contact New Look. Send them an SAR and they should provide all the info. If they have any info, that it! Inform BCW that the account is in dispute and that by law they cannot progress with it until the dispute is resolved. Interesting though, cos BCW claim not to trade according to their accounts.

Would love to be a fly on the wall if that were to happen!!

A dubious honour!!! Served 27 December 2006. Will be interesting to see if this gets a response, cos nothing else has so far!!

No letter or phone call received. MCOL submitted about five minutes ago. I know its only £25.40, but its the principle, not the money!!

Welcome and I hope we can help! Are you still getting phone calls from the creditors? If you are you can write to them stating that they must only contact you by letter. Send them this letter http://www.consumeractiongroup.co.uk/forum/bank-templates-library/37006-harassment-telephone-response-letter.html To all creditors, send them this. http://www.consumeractiongroup.co.uk/forum/debt-bailiffs-advice/20758-creditors-dcas-letter-templates.html Scroll down and send them letter N. This will at least buy you some time as this will put the account on hold As for the bank charges, this site will help you get them back. Look at the forum which deals with your bank and read as much as you can! Take a couple of days to get your head round what action to take. 1. Send the bank a Subject Access Request. This states that the bank must send you all information they hold about you for the last six years, including all statements or details of all charges. Once you receive these, work out how much you have been charged. Start your own thread in the forum which relates to your bank. Every bank has its own way of dealing with these requests and there will be many people able to help you. While you wait for your statements, read as many threads as you can. You will be amazed at how empowered you will feel. Remember, most of us are here because we have been treated unfairly and we are all here to help. I hope this has helped a bit Spot

According to their accounts 'the principal activity of the company is the provision of debt collection services as agents for Capital Bank and its subsidiary undertakings' Also managed to get a look at their Memorandum ie, what they do, and it doesn't state anything about legal services.

This is the standard 'get lost' letter from LLoyds. Just stick to your guns and send the LBA. If you want you can acknowledge the 'get lost' letter by just saying ' Thank you for you letter dated xx/12/06. Then just use the LBA template letter. What Lloyds are implying is that they are not charging a penalty for you going over your overdraft, failed direct debits etc. What they are providing you is a service which they say they can charge for. IT IS ALL NONSENSE AND THEY ARE JUST TRYING TO FOB YOU OFF!!!! Funnily enough, this was mentioned on the Money programe last Tuesday. The representative from OFT just laughed, so that shows you what the OFT think of this latest ploy!! The OFT's ruling was initially for credit cards but they are now looking into the bank charges. The banks use this as an excuse to say that the OFT ruling does not apply to them. Just read all the success stories on this site to see how ineffective that argument is!! Theoretically, if you exceed your overdraft, bounce cheques etc, you breach your contract. A breached contract is one which can be remedied, a broken contract is one which has failed entirely. (I think, was many moons ago that I studied contract law) So in effect, what they are saying is correct, you haven't broken your contract. But you have breached it. The charges are for breaching your contract. The rules around breaches are as follows: if you breach a contract you only have to pay what it costs to put the breached party in the same position before the breach took place, ie if it costs the bank £1.50 for a failed direct debit then that is all they should charge you. Ignore this letter, we've all had it. (was it from Debbie?) Just send the LBA and wait. They will be arsey about it, but they will pay up in the end! Good luck Spot

Continue on here, cos the moderators will just merge the threads if you start a new one!! Hope its good news!

Still not heard anything from these delightful individuals. Only another few days and they have committed a criminal act.

According to the staus bar on Comanies House web site, they are an agent. As such they can collect on behalf of another company without actually receiving the money themselves. Also the company they are acting for may incur their expenses. This would make sense as they are a subsidiary of a bank. Even if cheques are sent to J&J Collections, the bank (presumably BOS) would honour the cheques if the bank account stated " HBOS trading as J&J collections" Am still digging

Apparently they are a detective and investigations agency!! Is their contact address in Croydon?

What do you want to know? From looking into this, Capquest Limited ara a subsidiary of Capquest Group. If you tell me what you need to know, I can do a little digging.

10.30 last night!!!

Retaliatory action perhaps? Banking code specifies that they are not allowed to do this. As the late payments were nearly a year ago, I can't see how the reduction has anything to do with this. Write to B'card stating you believe this to be retaliatory and therefore you want your credit limit reinstated.

I got a letter from Barclaycard yesterday stating that although they don't agree with the ICO ruling, they, as a gesture of goodwill, will now send me the relevant statements. Also in the post was one statment from June 2004, which they have already sent me! Incompetent idiots!! I will also be sending a letter informing them that they have exceeded the 40 days.

The directors for this company seem to change every year since 1999 and this has not re-activated this company previously. As they haven't traded in over 10 years, it would seem unlikely that they do so now. However, I may be wrong!! Interesting though, the company secretary is employed by HBOS!!

My boss will be out all day tomorrow:D . Will do more 'research' then!!

Wescot- Not doing so well this year. Perhaps due to this website. It would be nice to think that we, in some small way, contributed to this!

Hi, I can check status of these companies. May also be able to check the tax status of some. But as the list is so long,( and I have work to do!!) it may take a little time.

Ok, will do. Can only access this info when at work so please be patient. I will get there in the end!! Ooh, I've found the one advantage of working in tax!!!!