DEBIT /CREDIT

Waiting for an internal review by Department for Business, Enterprise and Regulatory Reform of their handling of this request.

Dear Sir or Madam,

Regarding CREDIT CARD rules and protection since the customers own bank deals with why are DEBIT[ Flexi] /CREDIT VISA CARDS being treated separately when credit balances paid in full monthly and DEBIT account can cover? Why do they operate like call centres with no discretion/ ethics or head office and why are the Accountants dictating to Managers . If you are elderly or have special needs there is no help available and they treat you like the fraud .No wonder there are cash flow proiblems?

Yours faithfully,

Julie Shrive

Robinson David (COMMS),

Dear Julie,

This matter may be answered by the Office of Fair Trading;
http://www.oft.gov.uk as they deal with Consumer Credit issues. Debit
Cards are different as the money used comes directly from your personal
account. The Financial Services Authority may be able to answer that
part of your query. http://www.fsa.gov.uk

They should also help in regards to how such businesses operate, and who
to complain to when it all goes wrong.

I hope this is helpful,

David
BERR Ministerial Correspondence and Enquiry Unit
020 7215 5000

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Dear Robinson David (COMMS),
Yet again I am being passed on by one call centre yourselves to another being told what to do by a sole accountant looking after their own interest not the citizens . What do you intend doing about this unethical situation and waste of tax payers money referring me to advice lines that don't work?

Yours sincerely,

Julie Shrive

Dear Sir or Madam,

Please pass this on to the person who conducts Freedom of Information reviews.

I am writing to request an internal review of Department for Business, Enterprise and Regulatory Reform's handling of my FOI request 'DEBIT /CREDIT issues as ignoring fact an individual is being given the run around '.Because all organizations[ including your own?} are set up with same structure by marketting call centres one with sole corporate director and there is no objective management. I and everyone else are being caused severe loss and damage treated by people doing as directed by remits and procedures then winding up to blame using data protection , So can rip off.
They blame rather than resolve if can't passs on into oblivion.This is not reform : reform is restructure.

Why waste tax payers money copying structures that don't work for problems/ issues .

A full history of my FOI request and all correspondence is available on the Internet at this address:
http://www.whatdotheyknow.com/request/de... and with many issues financial ombudsman - ignored illegally by the health and parliamentary one, so the leaders, who should have the discretion are not contactable, bought in once in a blue moon , on contract whilst someone on a remit feigns it is not their role except to profit using data protection [ using same structure] to their advantage. When it is a Specialist/hospital /LA - PCT doing this it is extremely dangerous

Yours sincerely,

Julie Shrive