Paypal have been closing and freezing accounts in the UK and EU citing US laws and regulations which it is trying to impose here in the UK and EU. This I believe is illegal. I have located what I believe are two pieces of legislation to back this up: THE PROTECTION OF TRADING INTERESTS ACT Link: http://www.law.stetson.edu/lawreview/media/u-s-secondary-sanctions-the-u-k-and-e-u-response.pdf and the following EU legislation: Council Regulation (EC) No 2271/96 of 22 November 1996 protecting against the effects of the extra-territorial application of legislation adopted by a third country, and actions based thereon or resulting therefrom Link: http://eur-lex.europa.eu/LexUriServ/LexUriServ.do?uri=CELEX:31996R2271:EN:HTML My question is can I use both pieces of legislation in making a claim against Paypal for the closure of an account in the UK when no UK law has been broken in the use of the account? This being in a small claims action for damages caused by such a closure and asking for the reinstatement with no penalties of the account closed? Also does anyone know of any other legislation that can be used in regard to unfair business practice in what Paypal are doing in trying to enforce foreign law in the UK where such law has IMHO no jurisdiction? All comments and input are welcome whether positive or negative.

Please help: I am having a big problem with Halifax We got into financial difficulty and all the other banks have accepted our offers and we are paying them off, they have all ceased interest too. I wrote to Halifax in October and told them its very hard for me to continue paying nearly 190 per month on a 7400 balance on my credit card and offered them 50.00 per month. They kept calling me several times a day but I didnt answer them as I had problems previously where they denied what they had told me over the phone. I wrote several letters to them and told them I don't want to speak over the phone and gave the reason too. They then asked for my financial statement which I sent as well as again pleading on them to cease the interest to help me. All my correspondence has been sent via registered mail and they ignored my letters including the statement. I continued to write to them and also without waiting for their acceptance I have continued to pay the 50.00 each month. However they don't acknowledge my letters and they keep adding more interest now they have added a further 723.00 as interest and late payments. They have closed my account sometime ago. I received a letter from a person at the bank acknowledging they are sorry the trouble and crediting my account with 75.00 and requesting I send my financial statement as they hadn't received it, even though I have a letter stating they had. I again requested they please cease interest and sent my statement again as well. However they continue to send letters saying I have not responded and the interest accrues. I have now written to the FCA who have stated they will come back to me. I have also continued to pay the 50.00 each month but the interest they keep charging is around 165.00 per month and the balance is now 7,599. When I first contacted them in October 2014 it was 7,421 and I have been paying 50.00 each month since then. Please give me any advise as I have also told them my husband was very ill in hospital and this is not helping me in any way. Any advise will be very helpful.

Hi I am in very serious debt but I have recently found employment well outside of the EEC but my salary is still to be paid into a UK Bank account. As most of my debt payments are by cash (one DCA tried to direct debit over £2,000 out of my old account so I will not trust Direct Debits or Standing orders) I will not be able to maintain payments until I return once every 6 months or so. My question is .. Can any of the creditors freeze my bank account and if so when can they do it. Do they have to serve me with any court papers?? If they can do this in my absence then they have shot themselves in the foot as I will not be able to maintain any payments at all due to the cufrrency exchange and legalities of taking the currency out of the country If some one with the knowledge replies I will expand a little more.

I live in a smallish village and visited my biggest store which is a COOP. An hour later I had to go to a Bargain Booze to get a tin of cat food I forgot. Both these stores were absolutely freezing when entering and the staff were wearing wooly hats, scarves and fingerless gloves. It was warmer outside than instore. Because I live in a village these store are not huge so about a third of their size are fridges and freezers stocking goods, which adds to the cold. However, I've not noticed this in previous years, as in, even in mid-winter, the heating of the store usually compensates for the chill outside and the internal fridges and one doesn't really notice it as it's regulated to be comfortable for staff and the shopper. Today was exceptional in these stores, it was absolutely freezing in both with winter hardly beginning yet. Both stores said their heating system had packed up. Anyone else suspect this is rubbish and they are just saving on fuel bills? The COOP group are in trouble as a whole, are they going bust?

Long time viewer so thanks to all the contributors here, it's been a great help! I have sent off for the CCA for a Credit card and a Loan with Halifax. They have sent a letter saying "we'll get it to you when we can". I asked for it within 10+2 days. Is the template online the same for pre and post post 2007 debts? Thank you D This is the letter you need to send (edit to suit and send recorded) Account In Dispute Ref: Dear Sir/Madam Thank you for your letter of xx/xx/xx, the contents of which have been noted. You have failed to respond to my legal request to supply me a true copy of the original Consumer Credit Agreement for the above account. On **DATE** I made a formal request for a true signed agreement for the alleged account under consumer credit Act 1974 s77/8. A copy of which is enclosed for your perusal and ease of reference. You have failed to comply with my request, and as such the account entered default on **DATE**. The document that you are obliged to send me is a true copy of the executed agreement that contained all of the prescribed terms, all other required terms and statutory notices and was signed by both your company and myself as defined in section 61(1) of CCA 74 and subsequent Statutory Instruments. If the executed agreement contained any reference to any other document, you are also obliged to send me a copy of that document.In addition a full statement of this account should have been sent to me detailing all debits and credits to the account. Furthermore You are aware that the Consumer Credit Act allows 12 working days for a request for a true copy of a credit agreement to be carried out before your client enters into a default situation. This limit has expired. As you are no doubt aware section 77(6) states: If the creditor fails to comply with Subsection (1) (a) He is not entitled , while the default continues, to enforce the agreement. Therefore this account has become unenforceable at law. As you have Failed to comply with a lawful request for a true, signed copy of the said agreement and other relevant documents mentioned in it, Failed to send a full statement of the account and Failed to provide any of the documentation requested. Consequentially any legal action you pursue will be averred as both UNLAWFUL and VEXATIOUS. Furthermore I shall counterclaim that any such action constitutes unlawful harassment. Please note you may also consider this letter as a statutory notice under section 10 of the Data Protection Act to cease processing any data in relation to this account with immediate effect. This means you must remove all information regarding this account from your own internal records and from my records with any credit reference agencies. Should you refuse to comply, you must within 21 days provide me with a detailed breakdown of your reasoning behind continuing to process my data. It is not sufficient to simply state that you have a ‘legal right’; You must outline your reasoning in this matter and state upon which legislation this reasoning depends. Should you not respond within 14 days I expect that this means you agree to remove all such data. Furthermore you should be aware that a creditor is not permitted to take ANY Action against an account whilst it remains in dispute. The lack of a credit agreement is a very clear dispute and as such the following applies. * You may not demand any payment on the account, nor am I obliged to offer any payment to you. * You may not add further interest or any charges to the account. * You may not pass the account to a third party. * You may not register any information in respect of the account with any credit reference agency. * You may not issue a default notice related to the account. I reserve the right to report your actions to any such regulatory authorities as I see fit. You have 14 days from receiving this letter to contact me with your intentions to resolve this matter which is now a formal complaint. I would appreciate your due diligence in this matter. I look forward to hearing from you in writing. Yours faithfully

Please HELP... I am freezing to death!!! 5 weeks ago my boiler broke down and ever since I called the housing association numerous times and every time I am told that I have to give them 24 hours to attend to it. I had 9 ''Engineers'' parading in my house in this time but no one seems to be able to fix the problem, no explination and still no heating. I am at witts end and frozen beyond joke.I have also e-mailed them to complain a week ago and all I got back is that Gas Team will have a look at my complain and will get back to me.I know that I have to give them 28 day to answer, however I am afraid that I will be frozen to death in this time.The Company hired by the Asssociation to do repairs supply me with an electric fan as ''temporary'' heating 3 weeks ago that eats up electricity like for the national bank..he..he..my brain must be frozen too ..What can I do????

Hi - I have had a current account with the RBS for some years. It has a substantial balance in it at the moment although I will be reducing that fairly soon! Last week I was buying some items on EBay using PayPal and could not get my registered RBS debit card to work. Went to the RBS Digitlal Banking site to find my account was not even listed! Panic! Phoned RBS - at this point it was nearly 11 p.m. in the evening. They referred me to their fraud prevension deparment. For some reason a couple of totally innocent transactions on EBay and a cash withdrawl had tripped their anti-fraud software and frozen my account. I was furious and demanded to know why I was not informed first? Then it seems they phoned my old [now inacctive] phone number despite having up to date information! Tha account was then unblocked but I suffered a panic attack as a result. The stress was bad as I have had a recent heart attack. I did not get to sleep for some hours. Since this I have visited the bank and received the usual appologies "One out of five account blockings are inappropriate like mine." However surely the bank is out of order to have gone ahead with blocking my account without contacting me first? Also, they admitted an error, that my account was not shown at all on their digital banking site. Saying "sorry" is simply not good enough. Has anybody got advice for any action I could take? I intend to remove the majority of the funds from the account shortly in any case. I have asked for them to explain why innocent transactions were seen as being suspect but, of course, no comment. Thanks Greg