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    • This is the other sign  parking sign 1a.pdf
    • 4 means that they need to name and then tell the people who will be affected that there has been an application made, what the application relates to (specificially "whether it relates to the exercise of the court’s jurisdiction in relation to P’s property and affairs, or P’s personal welfare, or to both) and what this application contains (i.e what order they want made as a result of it) 5 just means that teh court think it is important that the relevant people are notified 7 means that the court need more information to make the application, hence they have then made the order of paragraph 1 which requires the applicant to do more - this means the court can't make a decision with the current information, and need more, hence paragraph one of the order is for the applicant to do more. paragraph 3 of the order gives you the ability to have it set aside, although if it was made in january you are very late. Were you notiifed of the application or not?    
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    • Hi, In my last post I mentioned I had received an email from SS who were asking me to hand over the keys to my mother’s flat so they could pass them to the Law firm who have been appointed court of protection to access, secure and insure my mother’s property.  Feeling this, all quickly getting out of my hands I emailed ss requesting proof of this. I HAVEN’T HEARD BACK FROM SS.  Yesterday, I received an email (with attached court of protection order) from the Law Firm confirming this was correct (please see below a copy of this).  After reading the court of protection order I do have some concerns about it:   (a)   I only found out yesterday, the Law firm had been appointed by the court back in January.  Up until now, I have not received any notification regarding this.  (b)   Section 2   - States I am estranged from my mother.  This is NOT CORRECT    The only reason I stepped back from my mother was to protect myself from the guy (groomer) who had befriended her & was very aggressive towards me & because of my mother’s dementia she had become aggressive also.  I constantly tried to warned SS about this guy's manipulative behaviour towards my mother and his increasing aggressiveness towards me (as mentioned in previous posts).  Each time I was ignored.  Instead, SS encouraged his involvement with my mother – including him in her care plans and mental health assessments.   I was literally pushed out because I feared him and my mother’s increasing aggression towards me. Up until I stepped back, I had always looked after my mother and since her admission to the care home, I visit regularly.   .(c)    Sections -  4, 5 and 7  I am struggling to understand these as I don’t have a legal background.  I was wondering if there is anyone who might be able to explain what they mean.  It’s been a horrendous situation where I had to walk away from my mother at her most vulnerable because of; ss (not helping), scammer and groomer. I have no legal background, nor experience in highly manipulative people or an understanding of how the SS system operates, finding myself isolated, scared and powerless to the point I haven’t collected my personal belongings and items for my mother’s room in the care home.  Sadly, the court has only had heard one version of this story SS’s, and based their decision on that. My mother’s situation and the experience I have gone through could happen to anyone who has a vulnerable parent.    If anyone any thoughts on this much appreciated.  Thank you. ______________________________________________________  (Below is the Court of Protection Order)  COURT OF PROTECTION                                                                                                                                                                                   No xxx  MENTAL CAPACITY ACT 2005 In the matter of Name xxx ORDER Made by  Depty District Judge At xxx Made on xxx Issued on 18 January 2024  WHEREAS  1.     xxx Solicitors, Address xxx  ("Applicant”) has applied for an order under the Mental Capacity Act 2005.  2.     The Court notes (my mother) is said to be estranged from all her three children and only one, (me) has been notified.  3.     (Me) was previously appointed as Atorney for Property and Affairs for (my mother).  The Exhibity NAJ at (date) refers to (me) and all replacement Attorneys are now officially standing down.  4.     Pursuant to Rule 9.10 of the Court of Protection Rules 2017 and Practice Direction 9B the Applicant 2must seek to identify at least three persons who are likely to have an interest in being notified that an application has been issues.”  The children of (my mother), and any other appointed attorneys are likely to have an interest in the application, because of the nature of relationship to (my mother).  5.     The Court considers that the notification requirements are an important safeguard for the person in respect of whom an order is sought.  6.     The Court notes that it is said that the local authority no longer has access to (my mother’s) Property.  7.     Further information is required for the Court to determine the application.  IT IS ORDERED THAT  Within 28 days of the issue date this order, the Applicant shall file a form COP24 witness statement confirming that the other children of (my mother) and any replacement attorneys have been notified of the application and shall confirm their name, address, and date upon which those persons were notified.  If the Applicant wishes the Court to dispense with any further notification, they should file a COP9 and COP24 explaining, what steps (if any) have been taken to attempt notification and why notification should be dispensed with.   Pending the determination of the application to appoint a deputy for (my mother), the Applicant is authorised to take such steps as are proportionate and necessary to access, secure and insure the house and property of (my mother).   This order was made without a hearing and without notice.  Any person affected by this order may apply within 21 days of the date on which the order was served to have the order set aside or varied pursuant to Rule 13.4 of the Court of Protection Rules 2017 (“the Rules”).  Such application must be made on Form COP9 and in accordance with Part 10 Rules.              
    • Unless I've got an incorrect copy of the relevant regulation: The PCN is only deemed to have arrived two days after dispatch "unless the contrary is proved" in which case date of delivery does matter (not just date of posting) and I would like clarification of the required standard of proof. It seems perhaps this hasn't been tested. Since post is now barcoded for the Post Office's own tracking purposes perhaps there is some way I can get that evidence from the Post Office...
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MacBoy Vs. Halifax and Hello To the Group!


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:-) Hello everybody

 

I'm just about to start a claim against the the Halifax for a current account that goes back almost 17 years with them (although I know that I am probably going to be limited to the last 6 of those.

 

I no longer bank with them as I moved to the A&L over a year ago (I am also considering claiming against them next to but that's another story!). I want to ask a question - although the current account I am about to start the claim for is long closed, I have a credit card with them that has a high balance, but is in good standing (although I have been subjected to penalty charges on this in the past too). Should I:

 

1) Claim for both now

 

2) Start out with just the current account (I am guessing that they might take some retaliatory action involving the card anyway even though the account is in good standing)

 

3) If I do go down the 'both' route, would it need to be a separate action?

 

I am obviously new to all this so am hoping that the 'old hands' on here will be able to help guide me! Thank you in advance!

 

Regards

Mac

  • Haha 3
  • 04/04/07 - £104 exit fee refund - Portman BS
  • Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
  • Halifax Platinum Card 15 yr - Court Action Commenced - all 15 years statements recovered!
  • A&L Current a/c - You're next..

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Milestone Diary Entry No. 1

Saturday 31st March 2007

 

Decided to take sea-sidelady's advice and go for credit card on the same application as current account.

 

Still a little worried that I have a fairly high-balance on the card with them though (although this is in good standing) and that they may try and use this as leverage in some way. Posted SAR to Halifax.

 

Wish me luck! :D

  • Haha 1
  • 04/04/07 - £104 exit fee refund - Portman BS
  • Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
  • Halifax Platinum Card 15 yr - Court Action Commenced - all 15 years statements recovered!
  • A&L Current a/c - You're next..

Write to your MP and

COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!

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Hiya MacBoy,

 

Yes you can claim on both. But as 1 is a credit card keep them as seperate claims.

 

As it takes up to 40 days for SARS you might as well send for both. You can put the 2 account numbers on the 1 request, so it will only cost £10 for both.

 

They are not allowed to take retaliatory action.

 

If you need any advice or just have any quieries, just shout. There is always some one around.

  • Haha 1

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sea-sidelady

 

Thanks for the advice. Hihihihi... I must be getting 'Compo Fever' today - also just decided to fire off a missive to Portman BS too, to try for a refund on an over-inflated exit fee I paid at the back end if last year...I like this, it's energising :D;)

 

PS Bankfodder - If you're reading this I tried to respond to your request in the sticky for volunteers for the media project on mortgage exit fees; but just got a mailbounce - PM me if you need me, I'd be happy to help.

  • 04/04/07 - £104 exit fee refund - Portman BS
  • Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
  • Halifax Platinum Card 15 yr - Court Action Commenced - all 15 years statements recovered!
  • A&L Current a/c - You're next..

Write to your MP and

COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!

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And anything else you can think of.....go for it..:D :D

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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  • 4 weeks later...

Small update:

 

Got £104 back from the Portman within 4 days of sending the letter :D

Appealed a parking ticket the same day too and had that cancelled!

 

Still nothing from the Halifax though - their 40 days is up 10th May and have heard nothing from them by way of acknowledgment - sent the S.A.R - (Subject Access Request) letter 31/03). Is this normal?

 

Thx

Mac

  • 04/04/07 - £104 exit fee refund - Portman BS
  • Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
  • Halifax Platinum Card 15 yr - Court Action Commenced - all 15 years statements recovered!
  • A&L Current a/c - You're next..

Write to your MP and

COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!

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They are known for taking their time. But if you do hit the 40 days with no statements then send the non compliance letter.....

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6986-data-protection-act-non.html

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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I'm just about to start a claim against the the Halifax for a current account that goes back almost 17 years with them (although I know that I am probably going to be limited to the last 6 of those.

 

I hope you can claim beyond 6 years. Whilst 17 years is a long time and you might struggle to get your statements - you should definitely give it a go.

 

You should consider estimating the costs if you can't get the statements.

 

Good luck anyway....

  • Haha 1

littlejam
vs
Halifax

16/04/2007
Decide to claim. S.A.R not required as all my bank statements kept on file at home. Decide to claim for all unlawful charges since August 1997. Totals £3095.

17/04/2007
Parachute account opened with Barclays
18/04/2007
PRELIM letter sent by recorded delivery.

19/04/2007
Royal Mail confirms delivery
24/04/2007
Halifax replies with standard letter (dated 21/04/07) saying they have 8 weeks to reply.

25/04/2007
Stage 2 LBA letter sent by recorded delivery giving them 14 days to comply.
15/05/2007
Initial reply from Halifax saying they will reply no later than 18th June 2007.

11/06/2007
Standard letter received from Halifax disagreeing with my argument against charges.

25/06/2007 Filed small claim for charges at Lambeth County Court - awaiting return of N1 form.
:rolleyes:

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Thanks for the responses, sea-sidelady. littlejam... I'll keep you up to speed with my progress :D

 

Regards

Mac

  • 04/04/07 - £104 exit fee refund - Portman BS
  • Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
  • Halifax Platinum Card 15 yr - Court Action Commenced - all 15 years statements recovered!
  • A&L Current a/c - You're next..

Write to your MP and

COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!

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  • 2 weeks later...

Update

Monday, 7th May 2007

 

Well, after having sent the S.A.R - (Subject Access Request) on 31st March, the clock is ticking inexorably towards the deadline, this Thursday 10th May - and not a peep from the Halifax. Have prepared the Letter Before Action (Data Protection Act Non-Compliance Template No. 3 from the library) and shall be sending this if nothing has arrived by the deadline.

 

I have decided that in addition to the DSAR team, I shall copy in Legal Services and Customer Relations this time (unless anyone has advice to the contrary).

 

Quick question - per sea-sidelady's kind advice, I have detailed my current account and credit card claims on the same initial letter, to save an extra £10. I've since realised that as I've been with the bank for a number of years, the card has been changed/upgraded etc. over time, there are additional account numbers.

 

Assuming that the Halifax will do the absolute minimum and stick to the letter of my claim (and they've never surprised me in this respect before :D), do I need to either:

 

a) state in this next (and future) letters that the claim also applies to all predecessor Visa accounts?

 

b) issue fresh claims for the acccount numbers not covered by the first?

 

Advice would be much appreciated.

 

Thanks as always

Mac

  • 04/04/07 - £104 exit fee refund - Portman BS
  • Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
  • Halifax Platinum Card 15 yr - Court Action Commenced - all 15 years statements recovered!
  • A&L Current a/c - You're next..

Write to your MP and

COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!

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Useful Info

Wednesday, 9th May 2007

 

Reading through the thread, you'll know that I'm approaching the end of the 40-day S.A.R - (Subject Access Request) compliance period for my claim against the Halifax. Having heard not a peep, I thought I'd give them quick, polite courtesy call today, to see if I could establish a reason for the delay before further progressing my claim.

 

After 20 mins or so of switchboard hell and being put through to the wrong people, I spoke to someone in Legal Services who said 'Oh we don't deal with that sort of thing here, but please call this number - 01422 391152.'

 

Just to warn people, this number contains a recorded message that merely says 'if you are callng regarding a Subject Access Request, please note that this should be with you within the next 40 Day given period.' The message repeats, then after approx. 2.5 mins the line disconnects.

 

Hopefully this will prevent anyone else going through this absolutely meaningless, useless and shameless fob-off.

 

No more well-intentioned attempts at dialogue. I'm preparing Non-Compliance as I post :grin:

 

Regards

Mac

  • 04/04/07 - £104 exit fee refund - Portman BS
  • Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
  • Halifax Platinum Card 15 yr - Court Action Commenced - all 15 years statements recovered!
  • A&L Current a/c - You're next..

Write to your MP and

COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!

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First thing in the morning. (obviously after postie....just in case;) )

 

Hopefully you will get them soon.

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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Milestone Diary Entry No. 2

Saturday 12th May 2007

 

The 40-Day period has now elapsed. I have heard nothing. I have tried to reach Halifax by phone to ascertain the whereabouts of my claim. After much wasted effort, I did manage to get to speak to someone in 'Customer Care' (apparently different than 'Customer Relations'). :rolleyes: I wrote a separate post about it so won't go into detail here.

 

I have sent a letter giving them seven days in which to respond in order to establish what has happened. It carries a threat of further action if they don't. I'll update you on progress hopefully next week.

 

Regards and have a good weekend!

Mac

  • 04/04/07 - £104 exit fee refund - Portman BS
  • Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
  • Halifax Platinum Card 15 yr - Court Action Commenced - all 15 years statements recovered!
  • A&L Current a/c - You're next..

Write to your MP and

COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!

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Update

Thursday, 17th May 2007

 

The seven days given to Halifax to find and acknowledge receipt of my earlier claim expires tomorrow. Nothing yet. This worries me as I have just tried Track and Trace at Royal Mail Online and they have no information yet :( Am getting a little suspicious now.

  • 04/04/07 - £104 exit fee refund - Portman BS
  • Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
  • Halifax Platinum Card 15 yr - Court Action Commenced - all 15 years statements recovered!
  • A&L Current a/c - You're next..

Write to your MP and

COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!

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Share on other sites

  • 2 weeks later...

Milestone Diary Entry No. 3

Saturday 26th May 2007

 

Have FINALLY received acknowledgment of my claim. In a letter dated over a week ago (but which only arrived this morning), the Halifax wrote as follows:

 

Dear Mr MacBoy

 

Further to your letter I am pleased to confirm the information you requested has now been ordered. Once these documents are ready they will be sent direct to you.

 

In relation to your request for information about any manual intervention on your acccounts, as the Halifax is not required to record this information I am afraid I am unable to assist you further with this request. (Significant?)

 

In your original letter you enclosed a payment of £10. As the Halifax has decided not to charge a fee for requests such as this, I have cancelled your cheque for £10 as a refund (er, how can you do that when I now bank with the A&L)?

 

Details of how we make use of your personal information can be found at Halifax - Privacy. The registered data protection notification details can be found at ICO – Information Commissioner's Office. If you have any difficulties accessing either of these pieces of information please let me know and I will be happy to forward you a printed copy of either document.

 

Yours etc..

 

A fairly garbled letter littered with punctuation errors which I haven't reproduced here for ease of reading. I would be happy to get feedback from the group about the above gratefull received; otherwise I shall sit and wait.

 

Regards

Mac

  • 04/04/07 - £104 exit fee refund - Portman BS
  • Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
  • Halifax Platinum Card 15 yr - Court Action Commenced - all 15 years statements recovered!
  • A&L Current a/c - You're next..

Write to your MP and

COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!

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Stranger and stranger - despite the fact that they say they 'cancelled' my cheque (implying that they weren't going charge the S.A.R - (Subject Access Request) fee)....they did!!

 

Just looked at my bank statement online (I bank with A&L these days, not the Halifax) they cashed my cheque yesterday :D One wonders whether the left hand knows what the right hand is doing in this organisation :rolleyes:

  • 04/04/07 - £104 exit fee refund - Portman BS
  • Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
  • Halifax Platinum Card 15 yr - Court Action Commenced - all 15 years statements recovered!
  • A&L Current a/c - You're next..

Write to your MP and

COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!

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It's not a matter of wondering, the more I learn about banking the more I know the left doesn't know what right is doing :D

 

Good luck and hollar if you need anymore help, I'm sure someone will point you in the right direction :)

 

 

Thanks for the click ;)

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Thanks for the click ;)

 

No worries, thenks for the help :cool:

  • 04/04/07 - £104 exit fee refund - Portman BS
  • Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
  • Halifax Platinum Card 15 yr - Court Action Commenced - all 15 years statements recovered!
  • A&L Current a/c - You're next..

Write to your MP and

COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!

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Update

Wednesday, 30th May 2007

 

Previous readers (you know who you are ;) ) will recall that I have had to send the Halifax several initial S.A.R - (Subject Access Request) Request letters after they ignored both the 40 day deadline and a subsequent 7 day LBA (or were overwhelmed with work - I'm not going to stoop to their level and assume that they were witholding maliciously, but after 17 years with them I wouldn't put it past them :rolleyes: ).

 

Anyway, I finally got a letter at the weekend acknowledging my claim and informing me that my information will be with me soon and they had 'generously' waived the £10 fee.

 

Well, to my surprise and shock I got ANOTHER letter this morning (this time with a HBOS letterhead not Halifax), again acknowledging my claim but mentioning nothing of a refund (which does stack up as one of the cheques has actually cleared my bank account).

 

What are they playing at? is this a genuine error arising from the fact I sent more than one letter, or a case of left hand/right hand mutual ignorance; or are they really playing confusion tactics to divide and rule?

 

Can anyone see any potential problems arising from this? And should I seek to clarify things for them, or will this only make things worse?

 

Thanks

Mac

  • 04/04/07 - £104 exit fee refund - Portman BS
  • Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
  • Halifax Platinum Card 15 yr - Court Action Commenced - all 15 years statements recovered!
  • A&L Current a/c - You're next..

Write to your MP and

COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!

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Hmmmm seems a little odd. I have started getting HBOS headed paper too.

 

I have no idea of what you should do next, but this post will hopfully bump it for someone else to offer advice.

 

Congrats on the money anyway :D

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Hmmmm seems a little odd. I have started getting HBOS headed paper too.

 

I have no idea of what you should do next, but this post will hopfully bump it for someone else to offer advice.

 

Congrats on the money anyway :D

 

The Halifax don't seem to communicate, department to department, however to protect yourself from possible repercussions with your credit card, send a CCA request. I doubt very much they can provide an agreement

 

I had no problem reclaiming charges, although not a large amount, but stick to the timetable outlined on this forum.

Please note: I give advice, in good faith, based on my reading and experience. Please satisfy yourself, that any advice given is accurate in content before acting upon it.

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http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/53182-cant-find-what-youre.html

 

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Closer inspection and comparison of the two letters reveals that they each have a different reference number - indicating that perhaps the 'cock-up theory' is correct.

 

However, one letter (the 'Halifax' one) has my account numbers and the other (the 'HBOS' one) merely refers to 'Your request for information about your account(s).

 

Mac

  • 04/04/07 - £104 exit fee refund - Portman BS
  • Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
  • Halifax Platinum Card 15 yr - Court Action Commenced - all 15 years statements recovered!
  • A&L Current a/c - You're next..

Write to your MP and

COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!

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Milestone Diary Entry No. 4

Monday 4th June 2007

 

Current account statements arrived today. Initial count (I will double check) reveal £1721 before interest, for 5 years of statements (I changed to A&L in 005, so effectively lost a year on the 6 year rule due to my own inertia :rolleyes:).

 

This period was 'better' for me than previously, because during it I took advantage of home equity and low interest rates to do a remortgage to straighten myself out. The real bank charges were in the years prior to this.

 

So my question is - do I make this claim now for the above amount plus interest and continue to dig, or write back to them requesting earlier statements, with a view to making one full claim?

 

Many thanks in advance for learned opinions and help!

Mac

  • 04/04/07 - £104 exit fee refund - Portman BS
  • Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
  • Halifax Platinum Card 15 yr - Court Action Commenced - all 15 years statements recovered!
  • A&L Current a/c - You're next..

Write to your MP and

COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!

Link to post
Share on other sites

Milestone Diary Entry No. 4

Monday 4th June 2007

 

Current account statements arrived today. Initial count (I will double check) reveal £1721 before interest, for 5 years of statements (I changed to A&L in 005, so effectively lost a year on the 6 year rule due to my own inertia :rolleyes:).

 

This period was 'better' for me than previously, because during it I took advantage of home equity and low interest rates to do a remortgage to straighten myself out. The real bank charges were in the years prior to this.

 

So my question is - do I make this claim now for the above amount plus interest and continue to dig, or write back to them requesting earlier statements, with a view to making one full claim?

 

Many thanks in advance for learned opinions and help!

Mac

 

It depends on weather or not you want to claim beyond six years, I think section 32(?) of the Limitations Act, can be used to justify a claim. It states that time barring will not apply, if they knew the charges were unlawful, or were mistaken in their belief that the charges were lawful.

 

Effectively you could reclaim all charges applied. The problem being getting them to supply the information, which they are obliged to do. It would probably require a court order to force them.

Please note: I give advice, in good faith, based on my reading and experience. Please satisfy yourself, that any advice given is accurate in content before acting upon it.

A to Z index

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/53182-cant-find-what-youre.html

 

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