From the Royal Mint website: Q What is the legal tender amounts acceptable for the United Kingdom coins? Legal tender has a very narrow and technical meaning in the settlement of debts. It means that a debtor cannot successfully be sued for non-payment if he pays into court in legal tender. It does not mean that any ordinary transaction has to take place in legal tender or only within the amount denominated by the legislation. Both parties are free to agree to accept any form of payment whether legal tender or otherwise according to their wishes. In order to comply with the very strict rules governing an actual legal tender it is nece

Yup - the 'sincere dialogue' bit is a great tactic, and yet another arrow in the quiver for us all. Wish I had thought of it first (damn, damn, damn) - but hey, good luck with it, and I would also love to see their response posted here like everyone else...

Hi and welcome to the forums. It seems from your questions that you have not yet read through the Frequently Asked Questions (FAQs) which is an absolute must. Spend a day or two going through those, as well as the "Case Guidance Notes" etc. You will find them invaluable, and you need to do this in order to grasp the implications of the task that lies ahead of you...... Once you have done this, if you still have any unanswered questions, then post them here and they will be resolved in no time.... Many people here could easily answer those questions, but it really is vital to do some of the groundwork yourself. On the plus

As you have not entered into a contract with the council I don't think you can use the penalty charge argument:( There would probably be different legislation covering this. What amounts are involved?

Hi and welcome to the forums. "Penalty clauses in contracts in English (and Scottish) law for breach of contract are not legal if the penalty exceeds the actual cost of the breach of either party." This is the bit that covers late payment charges. It's basically the same as a failed direct debit - they can only charge you the amount if costs to deal with the 'problem'. Follow the same proceedure as shown for bank charges, changing text to suit your specific needs regarding credit cards / late payment fees etc. Good luck, and don't forget to keep us posted on events...

You seem to have things well in hand on the claim. Unfortunately you let them off the hook as far as the other customers information was concerned. You should have raised that with the Information Commissioner as an official complaint - and sent the copies to them. Keep us updated.

The top level domain - .org or whatever makes no real bearing on your ranking. .co.uk would do ever so slightly better for uk searchers, especially if the host is uk based, but only when weighted against equally ranked foreign sites. The following are the key points when looking at keywords: Assuming you want high ranking for the phrase "Bank Charges" Keyphrase exists in the domain name use dashes as word separators eg: recover-bank-charges.co.uk would do well. Keyphrase exists in the pages title tag Keyphrase exists on incoming links (additionally weighted according to the referers ranking in google for google searches) Ke

The DPA request is for information held under your name - provide them with your name and address, and any other addresses you have had in the last 6 years, and it is then up them to find the information. Some people have more than one account - you only need send one DPA request per bank.

Through sheer naivety I bought a car through YCC and after paying halfway was told I had to still pay the remainder of the contract in insurances- £1678 after a 300 discount if I paid in full. I complained to YCC with no joy but just last week sent an email to the next person up in the complaints process (it's all in the say no to yes website) and I have received a letter today saying they will accept £600 to settle the account. Why would they do this? Probably as I advised them I knew they made the contract null and void by using my £500 deposit on the insurances and not the car. Will I be accepting the £1000 reduction? No. I will, however,

Letter I sent to them recorded delivery today. 11th April 2006 RE DATA PROTECTION DISCLOSURE REQUEST Dear XX XXX, I wish to thank you for sending the information I requested under the Data Protection Disclosure Request. I would like to point out that in law I am entitled to this information in an intelligible form. If you use abbreviations , as you have done, without an explanation of what these abbreviations stand for then that is not intelligible. I now require disclosure that is understandable. Some of the information I have been able to understand states that you have been invoicing me up to 7

I'd like to hear from people who have had there account closed after being given a refund by the bank. I'd like to work with you to lodge a complant with the Banking Ombudsman to see if they will uphold a complaint that by closing your account it was 1) a direct result of your refusal to pay an unlawful charges and as a consequence they 2) breach your contact and banking code and as a result 3) you are entitled to compensation as they wrongly terminated your account upon your refusal to accept they unlawful activity (could have 2 or 3 zeros after the first number!!) If you'd like to make a leap of faith, and I'm not promising it wil