I am up in court with clydesdale soon. I am taking them to task for failing to comply with section 7 of the DPA 1998. Anyway I have a daft but important question. If a person joins the bank at age 16 and the bank upgrades the account automatically at age 18 to an adult account allowing it to go overdrawn without having a meeting of the minds and subsequently the signing of a new credit agreement then is the account ligitimate. My understanding is that an account that allows you to go overdrawn is a credit facility and that someone under the age of 18 would not be able to sign up for it. Furthermore, upgrading of this account without a new agreement would be an agreement without meeting of the minds wouldnt it and therefore unenforceable? I cant get clarity around the CCA and current accounts. Whats the script with this. Does it or does it not apply to current accounts. I need this urgently because we are in court very soon. Cheers in advance. Martin

Hi All I'm self-employed and have been for 4 years, my husband and I put in a claim for Housing Benefit & Council Tax Benefit in January this year as work for me was slowing down and the company my husband was one of the directors of had gone into administration. As work was slow I decided to do a Diploma course to make good of the extra time I had, this course cost £1500 and was to take 10-15 weeks part-time at home mostly. The Council have now had 5 S/E forms and done numerous checks on my husband and I, we are and have been for some time living on nothing more than our Tax/Child Credits payments, we have been served with a s.21 eviction notice from our private landlord and the Council have still not processed our claim. Further to this, the Council have told me that the time that I spent doing my Diploma I was not S/E but was actually a Student!, I have contacted the DWP and asked their advice, they told me I was S/E and still am. Just wondered if it was possible to get hold of ALL the information that the Council hold on my husband and I to see if there is someone just making life more difficult than it already is. Thanks CC

Hi all, I've been browing pursuing some claims of my own that I started before I discovered this great site but I've been browing & have read some of the great advice here & was wondering if anyone had some advice or a view on how I should proceed. I am attempting to recalim a mis-sold PPI policy on behalf of my mother that was charged to her Debenhams store card operated by GE. I initally challenged the PPI on the grounds that at the time (Sep 1993) it was sold my mother wasn't working, despite providing a letter or redundancy & other documentation as proof of this they refused to accept the misselling or refund any payments. Send DPA requests back in June & received an incomplete bundle missing statements with no data prior to 1994. I responded that they had not complied with the DPA request & received a response that they have supplied all they have & in their view have complied. Sent a final letter threatening court action to enforce the DPA request & have today received a further bundle which is still incomplete. The reply today states that they feel they have complied with my DPA request as they have supplied all that they have & do not have to supply anything older than 6 years. Given the proof of mis selling I was tempted to just file a claim in court the trouble is without the date of the PPI fee's charged this is near impossible. Their reply today did state that the total fees paid for PPI ere just under £1900 which I find hard to beleive given that the fees charged from 2005 to 2009 when it was cancelled total £1100. I just don't beleive that from 1993 to 2005 a total of 12 years the fees only totalled £700. However even if this is the case without knowing the payment dates it's almost impossible to calculate interest on the payments. I was wondering if anyone on this board had any view or advice on where I go next, do you feel that they have met the DPA request & are they only required to supply data back 6 years as I always beleived that it was 6 years after the cancellation of the contract. Thanks in advance.