CREDIT CRUNCH ???!!!

Dear Sir or Madam,

My credit card from my Bank account is paid off in full monthly [
their idea] and my Debit is well in credit but is not covering
faulty purchases sent back immediately to supplier then to them .
They have also not sent the paperwork as this proves the case
.Delaying on purpose - different person every time then blame going
through identity details over and over again, so can call you
abusive when you become upset and they and the illegal supplier
gets away with it.
They are using the academically unqualified & gullible , on remits
, to side with the largest bank account holder lying probably
because they are in Call Centres set up by accountants as marketing
not customer or public service tool.
Are they only allowing one dispute per customer because I've met
this before with Call centres especially in NHS . Also no longer
are there TRADING STANDARDS which is CONSUMER DIRECT a useless
advice organisation that leaves your safety vulnerable. the POLICE
are the same .
Are the Criminals in charge?

This is from - this is money- which is a website - they have
deliberately sided with the largest bank account not recording the
truth giving me no protection over purchase bought daily over a
week . Are they colluding with fraud the police control room don't
seem to know what fraud is.

The same consumer rights you have when shopping on the High Street
also apply online. The items must be of satisfactory quality and
the description of the item must not be misleading. If you find
that goods you have purchased are faulty, you are entitled to
return them for a full refund, providing you return them within a
reasonable amount of time.

Methods of payment

The best way to protect yourself when you are making payments
online is to use your credit card. If the item or service worth
more than £100 (and less than £30,000) then you will be protected
by the Consumer Credit Act, which means that the credit card
company will be liable for any defects.

The credit card company is then equally responsible as the vendor,
especially if the vendor was misleading or if the goods never
arrive. This protection only applies when buying from UK websites.

Purchases made by Visa debit cards should be protected under the
chargeback scheme, although this is not a legal requirement and
American Express users may be able to get refunds through AmEx.

Alternatively, you can make purchases using Paypal. This is a safe
payment system, owned by auction website eBay, that uses
encryption. With Paypal, you can send and receive money online,
provided you have a valid email address. This service also allows
you to use different currencies, such as US dollars, Canadian
dollars, euros and yen.

Paypal also has a buyer protection feature, whereby you can claim
for goods up to the value of £250 at no additional cost but only on
the condition that you make your complaint within 30 days.

Yours faithfully,

Julie Shrive

Dear Robinson David (COMMS),

Trading Standards go onto Consumer Direct an enquiry line that is a
waste of time all over the country who blame you when you inform
them their advice has been ignored likewise admin at courts making
decision as to who gets a fair hearing. I have been going to them
since Trading Standards disappeared with Thatchers Cuts.Examine
statistics at Royal Court of Justice , I am informed they confirm
what I am saying.No one has any responsibility and the criminals
are in charge . No wonder there is a credit crunch. Why am I being
advised to start at beginning again when done it 30x +.So you can
leave me in limbo again .

Yours sincerely,

Julie Shrive