Hi, I have had my eyes tested with specsavers but when the bi focals came they were the wrong ones intended for someone else!. After a month long wait they could not find them and gave me a refund just to get rid of me!. I am on tax credits and now I believe I could get them on this?. I still have my prescription from specsavers so could I use this to get a pair of free bi focals from somewhere else through tax credits?.

Hi again, I have sent the letters as instructed and Mint have sent back a letter saying that they will have to speak to my father before any action on the account can be applied. The thing is my father has lost his ability to speak due to a multitude of strokes and if I phone them I don't think they will talk to me!. What should I do now?. Thanks for reading.

Thanks for the link it was exactly what I needed!. I have completed the expenditure form and will send to the banks over the weekend. Any further advice would be welcome. What do the banks usually do in a situation like this?, will I need a tin hat!

Hi, I have had to take charge of my elderly father's finances because of his ill health. I have got right of atorney and really need to sort out his monthly visa payments as I have been paying for him some of them for the past few months. he hasn't used any of his cards for approx 2 to 3 years and all are very high interest,(min payment just about covers the interest). Are there any expentiture forms I can download that I could submit to the banks as the CAB will not see me unless my father is with me, even with a copy of the power of attorney and he is more or less housebound!. Any tips on what to do if the banks refuse to play ball?,Thanks.

I have just heard from my dad who recieved the same letter from Citi last week, both accounts are spotless!.

I've been told that CCAM are are pre DCA, is this true?

Hi, I have recieved a letter from Citibank about a credit card I have saying it is going to be transfered to CC Asset management ltd who will make changes to my CCA !. The card has always been up to date and it is not in default pr anything. Should I send an CCA request to see if this change means they do not have a valid CCA?.

Wescot now sending me letters about this account yet it was in dispute with Outstanding services since them failing to respond to CCA request in September 09. They are even saying their client is Nat West when it is in fact RBS?. Any ideas?.

Someone has taken £200 out of a cash machine while I still have the card. What happens now?,I rang nationwide and they say ring tomorrow?.

Hi, I withdrew from my Nationwide account yesterday received my card back from the machine, then today I obtained a mini statement and it shows a £200 withdrawal later that day not by me!. The account isn't a joint, I am the only card holder. What should I do?.

Yes, Number 4 'Your home and outgoings' and '9 Direct debit'. I had to photograph it with a camera because what they sent me was rather small. The original account was with Wescot, do you think they will send it back to them?.

I'm not sure if I did or not, how do I find out?

Thats quite interesting, thanks for the reply.

Sorry I'm quite new to all this, whats a IMHO?. It just seems that Tesco have added the second form when I complained that it was just an application form. The letter they sent back with this second form was quite blunt too saying that the account is not in dispute. I'll upload it later.

The second page is a separate piece of paper,I cant remember if the original application form had anything on the back?.