At first glance the letter I just received was a simply change of conditions to a basic Co-Op Cashminder account I've had for years. Then alarm bells started ringing. Back in 2006 the OFT decided that £12 was a MAXIMUM charge for standard bank charges like unpaid DD, overlimit and so on. The banks decided that £12 was the new rate, not a maximum, and have yet to prove the actual cost - hence people still reclaiming unlawful charges. Look at the copy letter and you'll see that the Co-Op intend to increase their unpaid item fee to £15. The seem to say that this is because the FCA is now responsible for consumer credit business, not the OFT. I don't go overdrawn and don't have any direct debits that would cause me personally to incur the revised fee, but how do they justify the price hike? The ruling obtained by the OFT is still in place - isn't it ? Or did I miss something... ? [ATTACH=CONFIG]51792[/ATTACH]

The new enforcement regulations took effect on 6th April and within just 48 hours a query was raised on this forum (by Mikeymack) regarding advice being provided on a few other websites stating the following: "Paragraph 58(1) of Schedule 12 of the Tribunals, Courts and Enforcement Act 2007 says when the debtor pays the debt in full then enforcement action must cease forthwith and no further enforcement steps can be taken. It also stops further fees being charged". It was generally thought that the websites in question would change the advice after reading (and most importantly understanding) the new regulations. Sadly, this has not been the case and instead, the websites are almost routinely giving the following ‘advice’ to the public: "Pay the council what is still owing on the liability order less any payments already made. You can pay online, or at the council offices or deploy Magicians Choice" "If you want to get out of paying bailiffs fees then just pay the debt direct to the creditor. The law has a bit of a quirk, or loophole that lets you off the bailiffs fees if you pay the debt with the original creditor" "The law that sets statutory bailiffs fees for collecting unpaid council tax is Table 1 of Schedule 1 of the Taking Control of Goods (Fees) Regulations 2014. It prescribes a fixed fee of £75. If distress has been executed (taking and selling your goods) or the process of making the levy has been started, there is a further fixed fee of £235" "However the law - paragraph 58(1) of Schedule 12 of the Tribunals, Courts and Enforcement Act 2007 says when the debtor pays the debt in full then enforcement action must cease forthwith and no further enforcement steps can be taken" "This means bailiffs only get paid if they complete the entire enforcement process right through to the sale of goods, and only then, the fees are recovered from proceeds of that sale. Otherwise there is nothing that says you have to pay any bailiffs fees if you pay the debt at any time before your goods are sold" "Paragraph 31 of the Taking Control of Goods, National Standards says when enforcement action has ceased, the bailiff cannot enforce the recovery of fees"

Hi guys, I purchased £15 shoes from new look I was in a bit of a hurry so I did not realise they were a size small and also on the back they were slightly worn out ( probably due to people trying them on) now I went back to ask for a refund but they said they cannot as they have been worn! I told them it is too small and i never wore them, which they replied if it had been worn we would have sold it at a discount price and I would need to complain to customer services. So i sent the first email to customer services ( after 28 days from date of purchase because I had to go back twice for another attempt) and NO BODY bothered to reply for months. So I got hold of a new email address and i forwarded the previous emails, the reply was no refund only gift card. I have not accepted the gift card , what are my rights? How can I take this up further? Who do I go to? Thank you