Well I have just checked my online banking and as some money had gone in today they have took £38 straight out of it! Can you believe they charge you £38 for going £2.50 overdrawn for 1 day!!:o

Not sure if I may have posted this in wrong subject...could a mod move it to somewhere I may get more response please?

If a company fails to provide you with a true signed copy of your CCA and a copy of the original default notice and the account is settled and they will not remove the default is there anything you can do? They (studio) have sent a letter to say in order to comply with your request under the CCA we have sent you a sample. Also on this "sample" under T&C`s there is nothing about passing details on to CRA`s so surely they are breaking the data protection act

£38 for £2.50:eek:

Typical of Welcome I would say you have a good case against them for all the discrepancies in your CCA. I`m sure someone on here will be along shortly to advise you further but if you want to pm me I can give you the email address of someone who can look at the agreement for you

I have just logged on to my online banking and Ive gone £2.50 overdrawn because I forgot about a DD coming out. Does anyone know how much the bank charge will be?

Solicitor keeping me updated, about to pass my case to a barrister. Solicitor is reviewing engineer`s report and is due to get back to me in few days time. Just hope I can get it sorted out soon now

Ok havent updated on this for a while as know Welcome look in but today I have received the report from independant engineer who looked at the car. In his opinion the car has a mileage discrepancy as there are signs of tampering on the speedometer although I already knew that as I obtained report from national mileage register. He took car for test drive for 3 days and found all faults that I experience and so car went into dealer for diagnosis and they agreed that faults have been there since purchase. To top it off Welcome are 3 months overdue with my CCA and SAR!

How long do you have to report them to trading standards once the 30 days have passed?

You had to spend £20 in total including VAT. The free gift was included on my invoice and ticked off where they had packed it, it just wasnt what was advertised. Anyway they have sent me a replacement, still not what I was expecting, but hey it was free!

They only employ good honest people Niche Personal Loans

LOL! I know they dont actually reverse ageing and Im not that old yet, but they are usually good skin care products and prevention is better than cure! And the lager is good until the next day then you do look as if you have aged about 10 years! BTW I got another free gift £25 worth of rimmel make up.

What travel company are you with? Last year we changed our mind on our accomodation choice about 3 months before we went and first choice let us change it. As long as you dont change your flights, I dont think its a problem to pick another hotel.

If you check a companies profile at companies house and it says dormant, what does this mean? Should they not be trading?

I sent the company an email last night and I recieved this just now. ------------------------------------------------------------- Thanks for your email, sorry to hear you are unhappy with your free gift, we ran out of the original anti ageing collection due to high demand, and this was an alternative. I will send out another free gift set for you. Again im really sorry for any trouble caused. Regards Buycosmetics

I just rang the companies that had done the searches, they said hey got my details from a broker and I said that I only made a loan enquiry, I think this was back in March 07 they said they would look into it and I heard nothing for a while so I rang them again. Just keep at them and say you did not at any time give permission for your details to be passed on to a third party, say you thought the broker would be dealing with you direct. I had to persevere but as I said they have gone now....I think I had about 8 too.

I have the invoice with the order that states my 2 products ordered and anti ageing free gift. I spent 22.50

This happened to me last year I complained to the company and I have just got the last search removed a few days ago....did take me about 6 months though!

I got a small catalogue through the door from a company called buycosmetics.com It had a voucher with it that said if I ordered over £20 I would recieve a pack of anti ageing products worth £30 free. I chose a product and rang up and paid the full amount on my debit card, 2 days later my order arrived along with my "free gift" which contained: A sample size anti ageing cream which you can buy on their website for £2.95 A pack of cleansing pads worth £2.50 (nothing to do with anti ageing) and a sample size body lotion from Boots(again not anti ageing product). Now this is in no way £30 worth and apart from the 1st cream the other 2 products have nothing to do with anti ageing I feel cheated, I probably wouldnt have bought anything from them otherwise, is there anything I can do?

They are not bothering me for the debt, but are updating my file with adverse information also the account balance is going up and up so thats why I decided to report them. They have no cca with my signature on so cannot prove I gave permission for they to share my information with the CRA`s therefore breaking the data protection act!

Just use the enquiry form on the information commisioners website, it will still get dealt with as a complaint. Are the companys still trying to collect the debt or adding charges? If so you should report them as they are not allowed to chase the debt while they have no cca. If you have cca`d them and you have heard nothing from them then they have obviously given up. Not sure if the IO can force them to remove anything but I am sure someone else wil be along to answer that shortly for you.

Well done Postggj! I am about to let my battle commence. Independant engineer picked up my car to examine for few days...kept breaking down on him ha! Car is not fit for scrap, they still havnt complied with my cca or sar 3 months later so I have just complained to the financial ombudsman, information commisioner and about to report them to trading standards!

Thanks. CCA is 3 months over, they are not trying to collect debt but are updating my file with adverse information and on the credit file the account balance is going up and up.... I want to report them to stop them from doing this. Does trading standards have an email?

thought so thanks

When a company do not comply with your cca and sar within 30 days who is it that you report them to?