I cancelled my Barclaycards returning them to BC who did not advise the credit reference agency which might have affected my credit rating. After writing some letters with no reply I started the formal complaints procedure with BC and still no reply so referred the file to FOS. I requested that BC advised the credit reference agency, explained, apologised and paid me compensation of £100. FOS ruled in my favour and I await the payment from BC who apparently had not received any of my letters. So I am a happy bunny.

Email received today from Betterlife Healthcare (Lloyd's Pharmacy) 'Please accept my apologies for the problems you have had with the gloves. I have processed a full refund for the gloves back to the original method of payment. This should be back on the card in 2-3 working days. Please dispose of the gloves, there is no need to return them to us. Once again please accept my and the company’s sincere apologies for the problems you have experienced. It is always our aim to provide an excellent service and it is truly a matter of regret that on this occasion we have been unable to do so.' This is the second time I've found them to be extremely helpful, definitely above and beyond what they needed to do, and so wouldn't hesitate to recommend them. Posting in special needs rather than general retail as I thought it more relevant here.

I've recently bought a car, and after speaking to some friends a question has arisen about the receipt. When the car dealer wrote the receipt they put "spares or repairs" on the receipt, this seemed strange, as the advert said that the car was in excellent condition. When I asked the dealer why he had put this he said it was just a way of writing sold as seen. My friends seem to think that both of these are shady practices, that a dealer selling to the public cannot mark a receipt with sold as seen, and that advertising a car in excellent condition, and then writing spares or repairs on the receipt may be the dealers way of trying to absolve themselves of responsibility in the event that a problem arises with the car. Can you please advise if I should be worried about this? and what if anything I can do about it - I bought the car from a dealer rather than a cheaper private sale because I wanted some reassurance that I would be able to seek recourse in the event of an issue, and my friend seems to think that this may complicate that? I emailed the garage the following: Hiya, myself and my dad bought a car from you the other day. So far it is fine but I have spoken to people and I am not happy with the receipt that you gave me. I bought a car that was described as 'excellent' condition, the car is in excellent condition but you wrote a receipt saying spares or repairs. This is not the terms the car was sold under, I would like a new receipt to reflect this. Would you be able to post a receipt or should I come and collect one? And this was the reply: Hi Becki, We sell all our cars as spare/repairs unless you buy warranty from us, that's the reason our cars are better priced than others. If you are not happy with the vehicle or the receipt,please bring the car back within 48 hours so that we may re-advertise it. This is just out of curtsey as you were not fully aware of what spares/repairs mean. After 48 hours of this email your receipt will stand and the offer of refund will expire. Just to put it in perspective the retail value of your vehicle is £4200 according to Parkers but we sold it to you for £3400. Kind Regards Professional Cars LTD 01753 780182 07788 929755 This seems fairly dodgy to me. I've emailed trading standards but I don't think I'll get a quick response. Please can someone give me their opinion? I'm really worried and stressed as only just dealt with one dodgy car and now landed this. My husband thinks the clutch seems high also, so if it goes I need to know what rights I have. Sorry for the long rambling post, I look forward to replys, thanks for your time! Becki:help:

Please have a read of my attachment especially part 14 bullets 5/6 How will this affect those concerned and what are the implications from now on please As always your thoughts please Full PDF from here https://www.gov.uk/government/publications/review-of-powers-of-entry-report Main story from here http://www.scoop.it/t/lacef-news

My son is 24 earns good money and has very good credit but has never had a credit card or a loan. He applied for a £6000 loan to buy a new car with Barclays bank which he has been bank who he has been banking with since he was 17 years of age. Barclays have been sending him letters about getting loans and credit card which has previously declined and now he has applied for one he has been refused. My son lives with me and I do not have good credit and I am sure that credit applies to the individual and not the household, is this correct????

A nice read today http://www.dailymail.co.uk/money/markets/article-2813259/MARKET-REPORT-Shares-slump-Capita-loses-completely-450m-Ministry-Justice-contracts.html?ITO=1490&ns_mchannel=rss&ns_campaign=1490 Footsie constituent Capita lived up to its City nickname of ‘Crapita’ as shares of the provider of services to the Government, including collection of the TV licence fee and the London congestion charge, slumped 75p or 6 per cent to 1082p on hearing it had lost out completely on Ministry of Justice contracts worth £450million to manage probation services for low and medium-risk offenders.

Hi:) Noticed this article this morning: http://www.dailyrecord.co.uk/news/scottish-news/atos-scandal-benefits-bosses-admit-1344278 Excellent reporting I am just disgusted that other newspapers are not running the truth as the Daily Record are. Thank you for fighting ATOS victims corner:whoo: