Have to write in e-mail or fax apparently. I'll e-mail and confirm by letter. Best Wishes MoonHawk

No they did not give a timeframe. Interestingly the say on their invoice ... that Distance Selling Regulations say if I asked for teh service to start immediately then the cooling off period is negated if 1) I receive their t&C (On teh invoice) and 2) Their service has commenced. As far as I am concerned it hasn't commenced so time fpr a call. Pain doing it that way. Last resort. Best Wishes MoonHawk

thanks for that ... but I'd only sell you it if you wanted one Well I'm gonna wait for a bit to see if they put my ad up, they haven't yet. I think I'll wait for one week and then if not up or if they do not use the photos I sent them, I'll hit them for not suppying the service purchased. They have three more days then they get my letter. After that I'll contact the bank and report them to OFT (as if they do anything). Best Wishes MoonHawk

Hmmm. Not yet I wanted to find out where I stand first. I wanted to right a letter to them prior to taking action, and wanted to know if there are any ragulations or legislations I can quote, about being mis-led. Best Wishes MoonHawk

Hi, I have a static caravan for sale and the other day got a call from MotorHelpUK, offering their services to sell it. I was told, straight away, that they only contact sellers if there are existing enquiries for the item being sold. I was offered an advert on their site for £79.95. £70 of which would be paid if they sold the caravan, as they make their money from financing for the buyer. I confirmed that if I sell it then it's goodbye to the whole amount and was told yes. To assure me, it was repeated that "they only contact people if there are existing enquiries for the item being sold". I asked them how many. The reply was at least 4, otherwise I would not have had the call. I was then asked if I am available that evening to receive enquiries as they will be informing the enquirers. Now several days on ... not a single enquiry. I think that I was led to belive that there are existing enquiries for me. I did not expect them to necessarily be a sale, but I did expect at least one enquiry to come through, otherwise I would not pay £80 for an advert when i can advertise for free elsewhere. Have I been mis-sold this service like I believe I have? Any feedback and pointers to any ragulations would be appreciated. Best Wishes MoonHawk

Thanks for the clarification and the update tamadus. I have to agree with you that a judge is not going to care much about the statute of limitations, as the way I read it as a layman, this falls under criminal law and not common law. So it is theft and not just a dispute about a contract. But I'll follow the advice of the leagal eagles Regarding the Catalogue companies, I am on the verge of starting claims against Littlewoods, Empire, Choice, Empire, Fashion World and Simply Be, regarding unfair penalty charges. I would be quite happy to try the route of S77;S78;S85, but would need guidance as I am only just getting to grips with taking companies to task with Lloyds If you have time and would like to test the case gainst any of the above, PM me with the details I will need to include in a letter and I'll get them started. Otherwise I'll wait until you have completed your test of this. Please see this as an offer as I am more than happy to wait if it is going to take up too much of your time. We all need to see to our families and do our daily work Best Wishes MoonHawk

A very interesting thread. Great work you are doing guys and I, like many shall follow I have a question if anyone can answer. How does this work with catalogue companies. My wife has several accounts, where she was sent a contract to sign and I know for a fact she never signed or sent them back. So does that make the contract void? Does the same rule apply to their interest charges as has been mentioned in this thread? Best Wishes MoonHawk

What a surprise .... NOT! Congratulations Best Wishes MoonHawk

Thanks File Wizzard I do understand about the disclosure rules and that the courts are trying to get a test case through to set a precedent. What I was asking was in relation to the cases actually seeing a court-room. At the end of the day there can be no test case unless one of the banks actually goes to into court to fight a case. And going by the stakes involved and the track record so far, this is not going to happen. On the cases that I know about, they are either Small Claims, or Fast Track (as my own case is). And there is also possibility of Multi-track. Now we also have Mercantile. The procedure will be different and probably more stressful for the claimants, but unless the court can force the banks into court or force a ruling, I can not see a difference in outcome. The only thing that I can see happening is that more and more courts will put a long stay on cases , waiting for a decision to be made by the Mercantile cases. These in turn will be settled out of court and therefore no decision. So the true outcome of this is that banks will get further delays on hundreds of cases they were going to have to settle soon. Since time was the only thing they had truly on their side, I see this is a plus for them. And we have to carry on playing the patience game a while longer. My understanding as a layman gathering knowledge through lots of reading Best Wishes MoonHawk

Without sounding too naive, can one of the mods (or anyone that knows) answer a question regarding this. Is there going to be any difference to the outcome via this route. Would the banks not just settle before it gets to court the same as they have been doing so far? Or does the Mercantile Court have different powers and they can be forced to go to court by the judge? All I see this doing is delaying things and creating extra stress for the claimants with no difference in the end result. Best Wishes MoonHawk