Hi Guys - I need some advice re. 'the law' the day before my daughter left for 2 weeks holiday she discovered fraudulent withdrawals had been made from her account. she went into the branch where they told her the withdrawals had been made in Poland that morning, and they were made using a card which had expired 3 weeks previously. they said they would report it to the fraud people she got back from holiday to find that the bank have not progressed this at all, and she could have an overdraft to tide her over (thanks!) anyway, regardless of the fraud aspect, I think the bank are liable and should return her money immediately as they authorised transactions on an expired card. can anyone offer any advice? thanks in advance.

oh dear - I feel a bit invisible I hope you don't find it offensive that I employed a DCA when you're all trying to get out of their clutches? I guess if nothing else you see another side to it....and it makes me wonder how DCAs ever get money for their clients :o so, the latest news is, the DCA have not sent off the forms to the court that they were supposed to send last year their excuse was "oh we have to resend the forms because the courts aren't happy that we're representing you" which is a bare-faced lie for 2 reasons 1. their 'job' is to represent clients 2. the court have heard nothing since July 06 so I will draft a stern letter to them asking them for a step by step overview of the case including all monies paid If I submit a copy of my letter prior to sending it, would anyone here be willing to give me their opinion on wordage etc? alternatively if you'd like me to stop posting about this then please do let me know. thanks once more in advance Summer

sorry the name of the form is N244. does anyone know what this form is? many thanks

thanks for that - so I'm guessing if a company s after you for money but can't provide you with a copy of the credit agreement than they can't pursue it? what happens if the debt was incurred without a credit agreement? for instance you might owe an organisation or business money but they hadn't extended credit to you. I'm thinking along the lines of a service you received but didn't pay up on completion of the service. This hasn't happened to me but I'm just trying to get an understanding of all things I read on the forums.

I need more details - what is a SAR? I see what the letters stand for, but not what it is, or when you use one - same for CCA is there a section to explain this in more detail? many thanks

ok so we contacted the local court - they are waiting for a N224 and have been since July 2006. I have no idea what a N224 is. please please can anyone tell me how I should go about this? I really want to get my deposit back but now I also want to get my fees back off the DCA with banks there are rules such as if you write to them they have to reply wthin a certain time etc is this the case with DCAs? I can send them endless letters of complaint - but unless they are part of an ombudsman scheme what redress do I have? they can ignore my letters is there a 'body' who I can go to for help with this? thanks in advance for any help

thanks everyone The DCA have small print which states no win no fee only applies for non-legal action (as if any exists) - so the money I have paid them is a percentage fee of the debt, and legal fees (their legal dept. actually said because I'd cancelled the contract I had no chance of getting my deposit back - contrary to what trading standards told me - so much for their legal team) good advice about the letter though finally - is it possible to cancel one set of court proceedings, then start my own, without prejudicing the case?

oooo thanks now all I need is help with my query - not too sure tho as most questions seem to be from the other side of the fence

I just had another thought - is there a time limit for me to claim the money back?

Hi mochamoo is there a glossary anywhere? I don't understand some of the anachronyms (is that correct?), eg CCA

I didn't see it until after I'd posted here. I will copy it over...thanks tho

I don't have a problem with asking anyone standing too close to 'please move back a little' or even cover the keypad with my other hand. I am open about it because IMHO people in the queue should have the decency to stand back or to look away - the shop assistant looks away so why shouldn't other shoppers? something we have to get used to. It would be so easy to put the machines in a box with a peep hole on the top (and a handspace of course) so only you can see the keys maybe I could design one eh? I'll be rich lol

do you think that would be better? Is there an ombudsman for DCAs? also, do you think I'd be able to sue them for being cr@p at their job hmmmm is that a viable reason? I just keep thinking back to their salesman who said - no win, no fee, you'll have your money back in 28 days grrrrrrrrrr

not sure about the 3 times thing but I seem to recall something along the lines of they don't need to replace it ever - they can just keep on repairing it - however you could point out to them that you are incurring losses (ie taking time off work etc) everytime they repair it, so you want to be compensated for that - also I think there's the issue of what is considered reasonable - I'd start getting firm with them if it went wrong a second time regardless of their policy (and their policy isn't law don't forget). also - I'd question why the polystyrene protection would damage the screen - it is 'protection' after all....you gotta be quick with these guys!

I believe the 28 days rule only applies to mail order - it would be interesting to find out if internet shopping is now classed as mail order??