Hi Voda - On Breakfast TV this morning Angela Rippon, Jenni Bond and Gloria Hunniford were talking about a new program they are filming, which will be aired on daytime TV in November. It is called Rip off Britain and they are looking for stories to investigate. I just thought you might like their contact details. Rip-Off Britain Here's how you can get in touch if you want the team to investigate on your behalf. - The email address: 'ripoffbritain@bbc.co.uk' - or write to: Rip off Britain, PO Box 4360, MANCHESTER, M61 0DY I am kind of hoping Welcome will be no more by then but who knows they seem to have more lives than a cat. On another note Welcome have sent me a default notice this week even though they agreed to not chase us for payment pending the outcome of our FOS complaint. They have really hacked me off now. Even though it is your standard mickey mouse default notice it has scared me a bit as ours is a secured loan.

bo2 I have sent you a pm

Hi Post - I have sent you a PM re FOS response to interest on acceptance fee. Your advice would be appreciated.

Hi Dipply - this is exactly what I was thinking. The more I look into this the more I think welcome have got this wrong. The debate over whether they do add interest to the acceptance fee is no longer the issue because we all know they do. They even state it in their agreements, which they will point out to you when you complain. However, as you say it breaches section 9(4) of the consumer credit act to treat this as credit. Also the way they put the figures on the agreement to look as if no interest is added to me is confusing and misleading. I am just getting all this info together for ajudicator at FOS now. Hopefully they will come to some sort of decision soon. In response to PT - If the FOS can't deem an agreement unenforceable then what do they have the power to do and in this case would I have been better taking it straight to the court?

Thank you for the e-mail and the info - this was exactly what I was looking for Fingers crossed the FOS agrees that interest should not be charged on acceptance fee. Just out of interest - what would happen in the unlikely event that the FOS do agree and say interest should not have been charged on acceptance fee - would this still have to go to court for agreement to be deemed unenforceable?

Hi everyone - Our complaint regarding interest on acceptance fee has been with the FOS since March and we have been appointed an adjudicator. I have advised the adjudicator that I will pass on details of the previous cases regarding acceptance fee. However, where would I get copies of these judgements - I know Post put something on the forum a while back but it was removed. Can anyone help me get this information as hopefully it could help our case. Many Thanks

Thanks Post - That is what we were thinking - I was kind of hoping Welcome would have disappeared by the time the FOS reached a decision. It might happen yet though - I guess we will find out in next few weeks

Hi everyone - I have not posted for a while (I have been fighting a losing battle with HBOS to reclaim bank charges) Our complaint is currently with the FOS regarding this acceptance fee business and our account still in dispute (even though Welcome says it isn't) I just wanted let you know our final response from welcome on this stated that our agreement is enforceable as they have written on the agreement that interest will be charged on the outstanding daily balance and the acceptance fee. They also state that this is ok because it is no less prominent than the rest of the terms and conditions. Now we have advised them that we will wait and see what FOS has to say before the dispute will be resolved as of course they are going to say their agreement is enforceable. Do you think they a right or are we right to keep this in dispute?

This weekend M & S had a 25% off sale on some of its mens ranges. My Mum decided to go and buy my Dad some new blue harbour jumpers. She buys these jumpers quite regularly for my Dad and they are normally priced at £9. However on this occassion my Mum noticed that M & S had ripped off the bottom part of their printed labels on the jumpers, which have the price on it. They had then put a sticker on to the label stating £12. Therefore once the 25% discount is applied to the £12 it makes it £9 (The normal price of the jumper). My Mum has complained to M & S but I was just wondering if they are allowed to do this? It also makes me wonder how many times companies do this by conning you into thinking you are receiving a bargain.

Hi Bodecia - it may help if you can post up a copy of the agreement with all personal details removed. I am sure some of the more experienced caggers will look at it for you I definitely do not know enough to help but I have received some really good advice on these forums.

I agree with the above definitely DO NOT SIGN anything you send to them. If you have already sent them the CCA request letter and their time has expired send them the account in dispute letter.

Hi Jdene - we have a complaint with the ombudsman also and we were told exactly the same thing as you with regards to them chasing us. I am sure they are not allowed to do this no matter what fos say and we have complained to office of fair trading. We are still waiting on a response

some info from lse Cattles crisis prompts talks between RBS and Treasury - Yorkshire Post

Andie just wanted to wish you luck for tomorrow - hope it all goes really well - let us all know how you get on

That is what I was thinking but didn't wan't to say in case I made myself look stupid