Trading Standards - what use are they.

[Amethyst]

Re: Trading Standards - what use are they.

Have set up a TS forum so go for your life

[frisp]

Re: Trading Standards - what use are they.

Great

If we could pull some examples of the diverse advice we receive from TS around the country, it would help my case with the LGO.

[Amethyst]

Re: Trading Standards - what use are they.

With regards to ''Whenever I've complained to the OFT direct they respond with a 'we don't do individual consumer complaints' letter. So not had a great experience with them either.'' - No they don't do individual complaints but it only takes a few complaints for them to consider a formal investigation, so although it may not result in any conclusions for your specific case, it will be held on record.

[Tools]

Re: Trading Standards - what use are they.

Frisp, although relating to DCA unfair practices, have a read >>

Do you have a genuine complaint against a DCA or Collections Department?
Are they acting against OFT Debt Collection Gudelines?
If you do then read more HERE

[frisp]

Re: Trading Standards - what use are they.

Frisp, although relating to DCA unfair practices, have a read >>

Do you have a genuine complaint against a DCA or Collections Department?
Are they acting against OFT Debt Collection Gudelines?
If you do then read more HERE

Tks complaint form sent by email today matie peeps

[Tools]

Re: Trading Standards - what use are they.

Good man, any chance of a copy? Personal details excluded of course.

[frisp]

Re: Trading Standards - what use are they.

I'll post the details of the complaint (one of the ones made to TS & FOS) in the above page and PM you the full ting.

[frisp]

Re: Trading Standards - what use are they.

Response from OFT regarding my complaint about studio

Consumer Credit Act 1974 (the Act)
Complaint Against: Express Gifts Limited t/as Studio
Licence No: 348351

Thank you for your complaint and permission to disclose forms, received on 21 December 2008.

I am very sorry to hear about the difficulties you have been experiencing however, the OFT has no authority to become involved in individual disputes between consumers and traders so we cannot advise you directly in this matter.

I enclose a list of organisations which can offer you help and advice. For specialist, face-to-face assistance, or intervention, you may wish to seek legal advice either through a local Citizens' Advice Bureau or directly from a legal adviser.

I can confirm that the business you mention holds a consumer credit licence. Under the Consumer Credit Act, holders of consumer credit licences must be fit and competent to do so and the OFT has a duty to monitor the fitness and conduct of all traders who hold such a licence.

The OFT has issued guidance to consumer credit licence holders engaged in the debt collection industry. The guidance is intended to ensure that debt collectors treat individuals fairly. Non-compliance with this guidance will call into question the fitness of licence holders and applicants. You can view our guidance at: http://www.oft.gov.uk/advice_and_res...ebt-collection

We have therefore noted the details of your complaint, and we will consider this alongside any other complaints we have received with a view to any consumer credit licensing or other action we may decide to take. Unfortunately, we cannot disclose any details about any action we may take, due to legal restrictions on the OFT relating to disclosure of information.

Thank you again for writing to us and bringing this matter to our attention.

Yours sincerely

David Annis
Enquiries and Reporting Centre
Office of Fair Trading

Help and advice

You can contact the following non-profit making organisations for free, confidential and impartial advice.


National Debtline

If you live in England , Wales or Scotland phone 0808 808 4000 or visit
www.nationaldebtline.co.uk for debt advice and information

Consumer Credit Counselling Service

For debt advice throughout the UK – including Northern Ireland – phone 0800 138 1111 or visit www.cccs.co.uk

Citizens Advice

For advice and information on debt and other topics, visit your nearest Citizens
Advice Bureau – check the phone book for the address

Consumer Direct

If you live in England , Wales or Scotland phone 08454 04 05 06 or visit
www.consumerdirect.gov.uk for general consumer advice and information.

Consumer Direct’s website includes information about credit and hire
agreements and a fuller list of independent advice agencies.

ConsumerLine

If you live in Northern Ireland phone 0845 600 62 62 or visit www.consumerline.org for general consumer advice

Community Legal Advice

For free advice phone 0845 345 4 345 if you qualify for legal aid or visit
www.communitylegaladvice.org.uk

Financial Ombudsman Service

If you have a complaint that you can’t resolve with your lender, the Financial
Ombudsman Service may be able to help – phone 0845 080 1800 or visit
www.financial-ombudsman.org.uk
South Quay Plaza, 183 Marsh Wall, London, E14 9SR

[Tools]

Re: Trading Standards - what use are they.

Excellent frisp my friend and thank you very much for being willing to use the official complaint form. This is proof that if you do complain they do listen. As they state in your reply from them, they cannot comment on individual cases, that is fair comment. At least if they receive enough complaints for different DCA's etc they are able to act. I would assume that every complaint is taken into consideration when companies apply to renew their consumer credit licenses.

Many, many thanks frisp, I hope this encourages lots more people to follow in your footsteps if they have a genuine complaint.

[frisp]

Re: Trading Standards - what use are they.

Update LGO have got back to me to say that they are beginning their investigation. More as it come in.

Glos TS are aware of this step and have written to tell me so

[Tools]

Re: Trading Standards - what use are they.

Some movement at least, good to see you again friend.

[frisp]

Re: Trading Standards - what use are they.

More updates with my ongoing TS battles.

The following is a complaint against Marlins as they have bought a an account under investigation by the FOS from HFC and I'm complaining that they have no rights in this matter.

over to the TS





Page 2



Comments to help refute any of the points made would be welcome.

Especially on the stuff about Rankines

[frisp]

Re: Trading Standards - what use are they.

BUMP

[Curlyben]

Re: Trading Standards - what use are they.

I cannot believe that TS are even considering Rankine in this case as it has no bearing and also was a "bad" judgement.

I would write back to them and ask them exactly which part of Rankine they are referring to.
The fact that the agreement is at an end is irrelevant, IMO, as legal action would be taken in regards to this account.
So in at least one respect it is still active.
An agreement is never really terminated, otherwise enforcement action would be impossible.

I believe that they are confused with the default provisions under s87 onwards and s98 termination.

What was the loan from HFC for ?

[Tools]

Re: Trading Standards - what use are they.

****ing Rankine seems to be appearing everywhere, he has caused more damage to the cause because of his own greed and self promotion than he can ever imagine I would love to meet him for just 5 minutes.