Background. My husband had debt when I met him - not irresponsible spending, debt accrued trying to keep his house after a divorce. We are in NI. Santander started sending us letters in May 2013, saying we needed to make payments on a card I thought had been cancelled. I checked our records- it was closed, the balance was nil. We phoned Santander who took some time, but eventually a manager replied saying it was their mistake - debt to someone of a similar name had been attributed to us. Their explanation was the agent responsible had hit the wrong name when printing out the pay your debt letter. They apologised profusely, promised it would not happen again. In September we started receiving letters first from Wescot, then Dryden Fairfax Solicitors, and we spoke to Santander. They apologised again, blaming another error and said they would speak to the companies concerned. They also said, on request, they would remove any erronous markers on credit rating. Now we have received another letter- Arden Credit Management, stating they took over the debt from Idem Servicing. Neither company is known to us. Santander have said there is nothing more they can do as the debt is now owned by a company they have no dealings with. They have said they can do nothing at all. This debt is not owed. It is not ours. Santander acknowledged it stems from their mistak initially and we should never have been pursued for a debt owed by someone else. What do we do now?

Hi guys, I think i made return incorrectly by returning wrong bag I realised this just know reading forums that i might get charged I did it not on purpose my partner told me to return and it seemed i returned wrong one and price tag was off so i didnt realised it was wrong. what should i do know? and there might be more occasions i just realise in the past as i didnt bother to much but know i know this is offence what should i do??? Please help as i am stressed should i go back and tell tk maxx of this or what should i do? Thank you

I used a Capital One credit card yesterday to put funds into my Paypal account and sent the money to a relative. I checked the Help section first to see if there were any issues, but it did not say you could not do it. I proceeded with transaction paying the money into the account and then sent it to their Paypal account. The relative received it into their account and did a withdrawal to their bank account, but it has been "Pending" since yesterday. Today I received an email from Paypal EU to say that I had done "a credit card cash advance which we don't allow with our service, as clarified under the 'Restricted Activities' found in Section 9 of our User Agreement." I only use Paypal once in awhile as I am not a regular user of it. I never knew that it was a restricted activity otherwise I would have looked at another way to send the money. Also if it was restricted, why did they allow the transaction to go ahead. I have asked for them to do a reversal and to pay it back to my credit card. I am very worried that they may decide to "keep" the money even though I thought it was okay. Can I get my money back and should it take a long time? Thanks.

hi. I got an issue with my neighbour. he turned his garden into builders yard. he is got ladders there, playwood, insulation sheets (they approx 2mx1mx100mm. and there is a problem, yesterday was windy and 6 ofthem were blown of his extension roof into my next door neighbour garden (4 of them) and 2 into my garden. when first one landed on the roof of my conservatory my wife when out see what happened, as she was going out with her phone in her hand she seen another one flying straight at her, so she was trying run in. and thats where the problem is, she dropped the phone and screen is broken. it was`t her fault as she was running for life, it was`t damage made by him intentinally. but now she is without the phone which will be fine without his flying insulation. how do I approach him to at least repair the phone? all suggestions are welcome. thanks

> Answers given by 2nd year school children to the following questions: > Why did God make mothers? 1. She's the only one who knows where the selotape is. 2. Mostly to clean the house. 3. To help us out of there when we were getting born. How did God make mothers? 1. He used dirt, just like for the rest of us. 2. Magic plus super powers and a lot of stirring. 3. God made my mum just the same like he made me. He just used bigger parts. Why did God give you your mother and not some other mum? 1. We're related. 2. God knew she likes me a lot more than other people's mum like me. What kind of a little girl was your mum? 1. My mum has always been my mum and none of that other stuff. 2. I don't know because I wasn't there, but my guess would be pretty bossy. 3. They say she used to be nice. What did mum need to know about dad before she married him? 1. His last name. 2. She had to know his background. Like is he a crook? Does he get drunk on beer? 3. Does he make at least 1 million a year? Did he say NO to drugs and YES to chores? Why did your mum marry your dad? 1. My dad makes the best spaghetti in the world. And my mum eats a lot. 2. She got too old to do anything else with him. 3. My grandma says that mum didn't have her thinking cap on. Who's the boss at your house? 1. Mum doesn't want to be boss, but she has to because dad's such an idiot. 2. Mum. You can tell by room inspection. She sees the stuff under the bed. 3. I guess mum is, but only because she has a lot more to do than dad. What's the difference between mums and dads? 1. Mums work at work and work at home and dads just go to work at work. 2. Mums know how to talk to teachers without scaring them. 3. Dads are taller and stronger, but mums have all the real power 'cause that's who you got to ask if you want to sleep over at your friends. 4. Mums have magic, they make you feel better without medicine. What does your mum do in her spare time? 1. Mothers don't do spare time. 2. To hear her tell it, she pays bills all day long. What would it take to make your mum perfect? 1. On the inside she's already perfect. Outside, I think some kind of plastic surgery. 2. Diet. You know, her hair. I'd diet, maybe blue. If you could change one thing about your mum, what would it be? 1. She has this weird thing about me keeping my room clean. I'd get rid of that. 2. I'd make my mum smarter. Then she would know it was my sister who did it not me. 3. I would like for her to get rid of those invisible eyes on the back of her head.

Good afternoon all Prior to finding/joining CAG a number of years ago, the court ruled in favour of the claimant and we were given a CCJ. Since the CCJ we have been paying the claimants solicitor on a monthly basis towards two claims both involving the same account. Recently we have been contacted by a third party asking for payment towards the CCJ. Having contacted the claimants solicitors it would appear that the claimant has taken back control of one claim but left control of the other claim with the claimants solicitors. Having contacted the claimant they say we should deal with the third party. Since there is already a CCJ in place, I am inclined to ignore the third party and continue to pay the claimants solicitors, or pay the claimant directly. Where do we stand? Is the claimant allowed to pass the debt around after a CCJ and if we pay somebody else who is not involved in the CCJ are we breaching any terms of the CCJ? Many thanks for any comments/feedback. Regards GD.

Hi all! I'm new to the forums and quite urgently need some advice as to what I should do next! This is a bit of an essay but... it's worth a read and I will really appreciate any help you could offer! Basically, an old landlord of mine has 5 years after my tenancy ended put in a false claim through money claim online, saying that I didn't pay about 6 months rent...out of a 9 month tenancy and is trying to screw me in excess of 4500 quid. I missed the claim form, which they sent to my old address, and the first I heard about it was from their solicitors 28 days after judgement had been made against me by default. The fact of the matter is this: my rental account with them is actually in credit of about 3 quid! I paid on time every time by standing order with my bank up until the last month where I ran into financial difficulties and didn't pay it. However, they sent me a false statement of balance by e-mail requesting I actually hadn't paid about 6 months rent, which is just ridiculous! If I calculate their statement of balance with the correct figures, one months rent, plus 50 quid late payment fee, 10 for a reminder email, and 72 quid which they took out of my deposit for paying for cleaners and rubbish removal, the account is even. In fact they actually owe me 3 quid of my deposit still. At the time of the tenancy ending they sent me loads and loads of e-mails asking me for this money and although I did say I had been to the bank and checked their statement of balance they said they would not deal with my usual bank statements they wanted just the transactions between my account and theirs on headed paper from my bank... which when I asked the bank was told cannot be produced. However I made it clear to them that this statement of balance was incorrect and that they should check their account and amend it. Communication then went cold with them and I didn't hear from until this letter from their solicitor about 5 years later. This is what I have done so far: I have rang the court to confirm that judgement has been passed by default and it has. I have been to the bank and requested them to send me the relevant bank statements. I have contacted them by e-mail and sent them scanned in bank statements with the standing order underlined every month. They have not responded. I have then sent them a letter 3 days later, giving them 10 days to check their accounts and amend the statement of balance to reflect the true figures otherwise I will be submitting my evidence to the court and applying to have the judgement set aside and possibly make a counter claim against them. I tried to include some liability stating that if it is found by a court that their claim is false, I reserve the right to seek from them damages to the sum of 4500 quid (matching their claim) and requested that if they do discover they have made a mistake in putting together the statement of balance they should withdraw their claim against me and notify their intention of this within 10 days. This letter will arrive on Monday and I think 10 days is a reasonably time-frame given the situation and considering the clock is ticking... default judgement was made about 40 days ago now... and soon they could go to enforcement it if they wish. I have also done a subject access request on them (they are a limited company), giving them 40 days to give me all data they hold on me in an attempt to find out a bit more about what is going, what documents they still have from me with regard to this rental account and try and find some evidence that suggests that they are aware of these transactions going into their account and are still making a false claim anyway. I am not sure about the next step to take. I am thinking of telephoning them again on Monday or just waiting to see if they reply in the 10 days I have given them. Ideally I don't want to have to deal with this in court, but if they are not willing to withdraw or just ignore me, then I will have to. My question is, what options do I have with this case... Should I fill in the N244 applying to have the judgement set aside, using the fact I never received the claim form and explaining that I have evidence that suggests their statement of balance is incorrect? Furthermore, do you think I have grounds for a counter claim here? I have e-mail communication from 2009 where I said this statement of balance is incorrect etc. but they have gone ahead anyway, saying it is my responsibility to prove it. Or should I just apply to have the judgement set aside and apply to be awarded costs?? The big question is, do you think they have a duty to properly check their accounts and credit transactions from their tenants before pursuing you? and if so, is there any legislation stating this that I can rely upon when submitting my defence and counter-claim? Thanks and kind regards guys! Dec

Dear All Quite a difficult one here and I'm at fault for being stupid but I'm now paranoid over benefit fraud, prosectution etc. story is this Moved into new place Oct/Nov 2011 Initially was Singler person paid as such but then partner moved in gradually over next few months. I never changed council tax and simply sent the form off April 2012 and 2013 and continued the SPD as the relationship was on again-off again etc. I now have an SPD review letter. I've rung the council up and changed it so we are now both on it but I need to send the SPD letter back. I told the man on the phone in a panic she had just been here a few months but obviously they have details of when mail etc was sent here (note her mail sent here initially prior to her moving in fully). I want to fix this and pay back the arrears but I'm paranoid anything else I say will get me in more trouble and get me prosectuated. i did ring the coucil and expalin this - the lady didn't really understand and said that if I just fill int the SPD form that would generate a bill if any monies are owing. I want to go in to the council to speak to them but think I'll ramble and get myself into more trouble! The amount owing would be 2x25% - so about 600quid and I could pay it back there and then! Any advice?

Hi all, I have had some problems with work since November as I needed to take time off due to a disability. I had asked for months for SSP but they kept ignoring me and not giving a reply to my request. They then became quite nasty threatening me with dismissal even though I was following correct procedure. I eventually got some sick pay in March but they would not give me all of it and would not say in person or writing why. I got about 10 weeks SSP out of 18 weeks and supplied fit notes for another 17 days since then but they have not given me anymore nor given me a reason once again. Since March bank holidays they have not paid me for them, that's 4 in total and my contract says I should be paid but they have not paid me still nor given me a reason why. I started to go back to work recently as I am well now but they have made me redundant, they gave me the proper notice and told me I would receive any holiday that I have not taken in my final pay. They have now just told me I am not going to get anything but once again not why. I have asked and asked but they are now ignoring me. They gave me a letter telling me I would get the holiday pay. Everything was okay with them until I needed time off since November. They have not done this to anyone else and paid everyone else their holiday that is left over. When I say them I mean my manager and two company directors, mostly the directors. My manager also moaned to other people about me when I was not in saying "He did not tell us he had this when he applied for the job". They owe me over £1000 but are telling me they are only going to give me £42 and once again are not replying when asking for the reasons. I spoke to the CAB and they said it seems like a case of serious disability discrimination, unlawful deduction of wages and hurt feelings. Also they say it could be constructed dismissal hidden behind redundancy as after 10 weeks of not paying me correctly and not paying me the correct amount of SSP since November. They say I could have resigned due to breach of contract and claimed constructed dismissal. I am a bit unsure what to do really, does it seems like I have a case? It's just the stress they have caused me has made my epilepsy worse and going through a tribunal might bring it on all over again but I don't want them to get away with it and I kind of need the money they owe me at least. Thanks all.

Hi All, I am a manager in fashion retail shop . My assisiatnt manager was stealing customer credit c details to shop on line and getting delivered to our store without my knowledge . 29th Dec , I worn my assistant manager uniform jacket by mistake, I felt some bulky stuff in his pocket when pulled it out they were credit card nos written in his own hand writting , I was shoked but not surprise Because I always had suspicion he was upto some thing . I already noticed there were few parcel deliveries on my holidays and days off .After asking other staff , I established this delivery business is some thing related to these c numbers. I knew already he has a few aquitances in H.O and even area manager wont help me(for reasons) I contacted one of the director and asked for meeting and on the same day his friend phoned in store and asked culprit home telephone number from one of my staff . I presented all evidences to director and requested full investaigation and possibly his suspension . Next day when I came back to work he( asst manager) said to me that he knew I was in h..o. I was not surprised again because someone his (friend) saw me with director in H.O. I asked him (asst man) if you know I was in h.o . you must know then why I was there . He lost in thoughts then I asked him you want to tell me any thing before I contact police , he admitted his fraud to me . I called HR manager to come around early who suppose to have a meeting on same day with me arranged by director for investigation, HR manager is also friend of assistant manger Prior to see culprit , HR manager and myself had brief meeting outside store and then went to see culprit who admitted his offence and resigned . HR manager and culprit's friend who is training manager are very close freinds and they both work together , This makes me more worry about reprisal . My Company recently decided to close the store which is anticipated.I was asst manager in my previous employment 4 year ago before I started with this company where my manager made a technical error and we both lost jobs One day HR manager ranged me and deplomatically asked about my previous employment which never had been a problem before . I knew that training manager had been recieving gifts from my asst manager also he is the one who definetly told culprit about my meeting . Hr manager is protecting him now and playing mind games with me , Recently I have sent an email to director and asked him to investigate breach of our secrect and confidencial meeting without mentioning any names. To my surprise he sounds a bit concened why I didnt told him before and does'nt seems very happy with my email., He passed on the matter to HR manager to invetigate. I would like to know where I stand now I have family and dont want to lose job but at the same time can not tolerate dishonest people who can any time take revenge . Your opinions and advise will be appreciated .

I have just left my employment, not on entirely good terms. In my employment contract it states: You will be entitled to become a member of the Company’s pension scheme and we will pay into an appropriate pension fund on your behalf, on a monthly basis, an amount corresponding to a maximum of 5% of your basic salary (excluding bonus and benefits) subject to any Inland Revenue requirements and overriding legislation. I have been with the company over 2 years, and on many many occasions I have asked for this to be sorted, but they never did. Much was agreed (for all staff, its a small firm) and back payments agreed, but never paid, due mainly to ineffective management and cash flow. What should I do. I have written to say they are contractually obliged to make these contributions and I want to be compensated. But what payments do they have to make to me? the full amount? or do they pay this to an insurance firm?? Not sure. thanks

Hi, I've got a Tribunal date this Friday, 15th Feb. I'm not going to be able to attend as my daughter isn't well. She has a very bad case of the flu which in turn has affected her asthma. I have no one else to look after her and she is too young to be left alone. I wanted to know if the tribunal will make a decision in my absence seen as I have provided them will all the evidence and paperwork needed. I did want to attend in person but there is no way I am going to be able to now. Please help, I'm very worried about it all!! Thank you!

what are my rights? I'll try and keep this short. Based in Northern Ireland - I received channels from Rep of Ireland and Mainland UK - via freeview and analogue aerial in UK and analogue aerial from ROI. Well aware that both UK and ROI would be switching to digital, my requirement was that the new TV should receive both freeview and ROI equivalent. When shopping (more than 1 year ago) I asked assistant if the TV in question would be able to pick up Channels from ROI without the need for separate set top box(this would have been a common request for consumers in Northern Ireland) and the sales assistant confirmed it would - all i'd have to do is re-tune TV accordingly etc - on this basis I decided to purchase the TV. A colleague was with me during the discussion - and is witness to the conversation. following digital switch over on 24/10/12 - i tried to re-tune - no joy. sales assistant gave incorrect information upon which i made my decision to purchase. in short - TV not compatible - set top box required. what are my rights?

Flat mate had a letter from powerless 2 contact stating they would be making a visit about an account. He wrote the std letter withdrawing his consent for them to visit but they have ignored it and visited on wednesday just gone. However I went to the door and stated that I wasnt the person he was asking for. The p2c rep stated I must have been him as I came to the door. He didn't ask amy security questions or supply any identification and proceeded to discuss the account, arrears and tried to get me to speak to the oc on the p2c reps phone and take a payment. I told him I wouldnt be doing anything or even discussing the account and so he left in a huff. My flat mate is livid and has wrote a complaint to p2c and the ICO. However he is not happy with just doing that as p2c will just ignore the complaint and the ico are toothless. So he has issued a LBA for breach of data protection and intends to commence proceedings in 14 days from last wednesday. He want to complain to the OFT but I cant find the email address so does anybody have the postal or email address to complain to the OFT?.

Hi, I am a new user and am not familiar with starting a threads and using forums. I have a had a money judgment issued against me and my partner in the county court. It is a business issue. We have already been ordered to pay £7000 in costs on top of the amount and cannot afford representation to appeal. The judgement is in both our names however it shouldn't have been made against my partner. We have offered to pay by installments and have been asked to fill in a N9a Admission form and schedule of earnings. I am worried about the admission form as my partner shouldn't really be liable. However we are worried about enforcement and the possibility of any charges being entered against our property and their ability to force us to sell our home or make us bankrupt. If anyone can give some advice it would be greatly appreciated. What should we do about the N9a as I am unfamiliar with this and what can they do to enforce this? Thanks,

Hi, Briefly: Im with Payplan. Here's link to my post about all my PDL's: http://www.consumeractiongroup.co.uk/forum/showthread.php?363762-4-Payday-Loans-now-with-Payplan-but-.....&p=3974544#post3974544 Apparently all have accepted the offers but PaydayExpress have called about 8 times every day (no message) and 8 times today plus called work. Before anyone says I have just sent the harassment letter which they got today but where do I go from here? I know I can complain but to whom? Many thanks, Jon

Hi all, haven't been round this way for a few years, but today I received a claim for refund from a dear customer in the county court. Obviously, this is ludicrous. A couple of points: As the item we offer is intangible we don't offer refunds , it says this in the T&Cs which customer agreed to before purchasing. In addition the customer appears to be overseas and when they signed the contract they used a New Zealand address. However on the MCOL form it has a UK address. Lastly, the customer requested a refund - which was denied - a whole 2 months after purchase, so the cooling off period would never apply, I assume. The amount claimed is circa £1k. Can anyone advise if these avenues might be worth exploring to get the claim thrown out or otherwise resolved through a partial refund perhaps? As I am looking to sell the business I very much want to avoid a judgement against the company - but this customer is clearing taking the biscuit. Thanks!

I have just returned from 2 weeks holiday to find my redundancy notice letter left on my desk. I had been informed my job was at risk just prior to going on leave. The letter was dated the 2nd day of my leave and says i have 7 days to appeal, which had already passed before i opened it.!!! Can my employer issue my notice in such a way??

Just wondered if I might get some help in the area of my current situation, any help would be greatly received; I have been a lorry driver for some years having worked for Eddie Stobart until my health deteriorated. Taking stock of my situation and failing health, (I asked for help and this was not available apparently!) I resigned my position as HGV Driver. My brothers partner (transport manager for a tanker operator) told me they have a job. Since she knew about my condition, she said the work was 4 on 4 off which we both agreed, might be better given my medical challenges. I worked for sometime and actually enjoyed the work. Having been trained up, I soon took to delivering bulk powder in tankers. My health deteriorated further to the point where I felt it unsafe to drive and in-brief, had to increase my medication (owing to the pain) making me more susceptible to fatigue. I went on to SSP and have provided my company with all assistance including visiting the company appointed Doctor for a report. No offers of assistance were forthcoming and it was only until my then manager (now working at another depot returned to provide cover for the new transport managers holiday period) informed me that my SSP would soon expire as I had been sick for approaching 6 months. I was unaware this was the case and she said she would post something soon and update my manager when he returned from his holiday. On his return he said the medical reports were vague in terms of my return and the best thing to do given the circumstances was for me to sign an agreement where they paid me off and I "could not sue us for unfair dismissal". Although the money sounds good right now having come close to financial ruin, I feel that my employer could have done more to find me alternative work, especially given they are one of the biggest names in their field and have many contracts in my area. I think the offer being proposed includes paying me my full salary for the notice period and any outstanding holiday pay. Am I right to think they should have offered me assistance in getting back to work or discussing alternatives? I wanted to work for this company and still do but feel someone somewhere is failing in their duties. Any help or advice would be welcome.

Does anyone know how long a Power Co is likely to be keeping sales agreements on file ? In particular Scottish and Southern Electric ? Following a SAR for a copy of this,for an agreement signed up less than 2 years ago,they are maintaining they do not hold this. I do not believe them at all. Comments from ex Energy Co workers or current reps welcome.

Hi I was looking through my old agreements and came accross ppi for a loan took out august 2007. Its was with beneficial finance and i paid 264 a month, interest was roughly 27%. the original mount taking was 5700 with interest to be added on How do i work out how much im owed on the ppi. Havnt a clue how to work it out depsite looking through the threads.. Cheers. (also it was due to finished a while a ago but money trouble has stopped me doing this.)

Hi Sorry if this post is misplaced or echoes another previously posted also I wont mention any names or any personal details in this as I am purely after guidance and dont intend to cause anybody any trouble. I was offered and accepted a job in a small catering business at 40 hours per week. The buisness only employed three full time staff. After nine days of work I was informed by the buisness owner i would be let go due to slow business. Effective immediately I was made redundant and have in writing it was due to no fault of my own. Nether other members of staff knew about this and neither have had there hours reduced or lost there positions. I have asked and received in writing that I have been let go due to no fault in my performance but due to slow trade. I do feel slightly hard done by as there was no consultation and I seem to have been the sacrificial lamb in all this mess. I had no official written contract but a verbal one and a mixture of email and text exchanges and had also completed in my own time a food hygiene accreditation at the request of business owner, Just wondering if anyone can help advice me if I have any rights on this or if I lust need to accept I have been unfortunate Thanks for reading and if you want any more detail i will be happy to respond Cheers!

After working for a Company for the past 18 years, holding many, many different positions within the Company. I was informed 2 weeks ago that the Company were restructuring again & my job role was being made redundant. 4 'new' job roles ( 1 Quality Manager & 3 Quality Auditor's ) were created & i along with others were encouraged to apply for these jobs & after various one to one meetings & an interview i was finally informed yesterday by telephone ( Due to being off sick ) of the Companies decision that i had failed in my application & therefore would indeed be made redundant. I am currently on 12 weeks gardening leave where at the end of this period i will receive 19 weeks redundancy money. Now, my bugbear with the Companies decision is that i am, in my honest opinion the most qualified ( Having Certification & Experience of all aspects ) person who has been doing most of what the job role entails for the past several years & to not be deemed good enough for one of these 3 roles beggars belief. When informed of the decision i took it gracefully & without complaint or argument but, the more i thought about it the more irate i have become, i have decided to telephone the individual who carried out the interview & ask for a one to one to ask the reason(s) why i was not chosen & then to appeal the decision & then if need be claim for Unfair Dismissal. At the present time this is more of a rant & to vent my frustrations than a thread asking for advice ( Unless someone has any advice which they would like to offer ) Thank you for listening.

Hi - bit of a strange situation here.... Person A made an internet transfer but entered the wrong details, accidentally using an old sort code and account number. Person A contacts their bank (Halifax) and asks what they can do....Halifax say they can do nothing and advises Person A to contact recipient bank (Santander). Santander refuse to discuss accounts with Person A as they are not the account holder. Person A contacts Person B (the Santander account holder). Person B contacts Santander Business Banking (business account) but they will not discuss account as the account is closed, no transfer history can be recalled so identity cannot be confirmed. (account in question IS closed as has been recently confirmed, and was closed by Santander themselves following a lengthy argument about huge overdraft of hundreds of pounds which amounted from an £8.50 charge levied by Santander against the account, and Santander have not been in contact about the situation in nearly 3 years following the last correspondence from Person B to Santander). Person B writes to Santander giving them 14 days to return money to Person A otherwise a complaint will be lodged with regulatory body. Person B receives letter this morning (16 days after deadline date) stating that payment from Person A has been credited to the closed account to offset overdrawn closing balance and they will not be returning the funds to Person A. My question is can a bank legally keep hold of money that they have been told was sent in error and doesn't belong to them or Person B? They obviously couldn't release the details of either Person A or Person B to either party to resolve the issue, so where does everyone stand? This has been going on since March of this year (2012). Flip the situation over; a bank accidentally credits someones account with funds, the person spends the money knowing they don't own it, and they go to jail. How is this situation any different! I'm guessing that with all the flap about excessive bank charges, Santander decided to step away from the situation and just close the account. No Credit Rating records have been effected by the account (sole trader account, no limited liability). Does anyone have any suggestions? Are they calling Person B's bluff over the threat to go to Trading Standards et al?