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StokiePotter

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  1. Yes it is... £12.95 per month out of her bank account via Direct Debit. When speaking to them they had no REAL security checks in place and no history of any 'winnings' on my mums account history!
  2. Evening All.... Wondered if somebody could point me in the right direction? Mum passed away last Thursday after a fighting Cancer We've since found out that she has an account with ACE Catalogue and also a rolling subscription to a service via 24 Win - apparently 24 Win charge(d) my mum £12.95 a month to be entered into online competitions?!? We contacted them and we're advised that mum was to wait for the postman to deliver her prize "if" she won!! No record of any wins or any other details!! They've been having £13 a month off her since 2007!! Im assuming the FOS would not be interested? or am I best going straight to Trading Standards? Regards
  3. Good Luck..... I started a thread many years ago about Endeavour / Freedom Finance and Bespoke Finance (all had a finger in my initial loan - 10K from 2014 + £1.5K PPI added) I had an entry on my Credit File c/o HSBC but they deny all knowledge of having any details etc.... the amount quoted on my Credit file is £11.5K so from that THEY should be held responsible in my opinion! http://www.consumeractiongroup.co.uk/forum/showthread.php?200249-Endeavour-Loans-amp-PPI&p=4664844#post4664844 "Good Luck"
  4. Just an update..... Heard nothing from them, apart from the gym contacting me asking if they could "Tempt me back"
  5. Received a reply back from HSBC yesterday to say they couldn't find any details.... which I was expecting as the loan was via EPF and not HSBC direct.... Now obviously there is a record.... as it is noted on my Credit Reports (see below) - £10K loan & £1550 PPI (one off payment?!?) I know im clutching at straws but I REFUSE to back down whilst I know this money was paid..... I shall send a copy of the above back to them to prove that there IS a record and again shall cross my fingers
  6. Im back..... and I have the bone well and truly in my mouth ready to go "again" Upon inspecting a recent copy of my credit report, I stumbled across an entry added by HSBC?!? for £11250+!!! Now my issue is this.... I have NEVER had any dealings with HSBC, never had a loan via HSBC or applied for a loan via HSBC, I can only assume that this entry is for my Endeavour Loan (part of HFC) who in turn are (were) a sub division of HSBC. Now my question is this - IF HSBC have (had) nothing to do with my loan and the PPI, why is there an entry on my file telling me differently?! The amount shown is obviously my initial 10K loan (plus PPI?), am I right in assuming that this money was "lent" via the ONE source rather than the "3rd Party" as always claimed? Ive now sent off my reclaim forms to HSBC.... I'm expecting a letter back to say its nowt to do with them but my argument is.... why is this entry on my file, if its nothing to do with them?!? I know I'm probably clutching at straws but why would an HSBC entry be on my Credit File?!? and does the entry (with the recorded amount make them liable for my 5 years of wasted time!!) Wish me luck....
  7. Morning All, Apologies in the delay in replying to the thread, my other half was taken ill a few weeks ago (with heart failure) so wasting my time on these imbeciles was last on my list. I did ring the gym and ask about paying the £29.97 and explained I was not going to pay CRS, they didnt want to know..... Ive had one or two letters of CRS and a couple of txts (which I have ignored), I now have a company called Zinc chasing me for the same "debt". They emailed me last Thursday, I replied explaining the situation and gave them 7 days to accept my £29.97. They rang me this morning to discuss the account.... told them that I WOULD NOT be paying unlawful charges, they advised they would pass back to their client. I also advised Zinc that any further correspondence will be replied to and I will be charging for my time and stationary..... at £20 per letter (email)
  8. Well Ive decided to take my concerns to the FOS.... Im assuming they'll reply with the "tough, you took out the loans etc..." line but I made a point of highlighting that as per my credit card, I have ONE account with Wonga which realistically should reduce the amount of multiple entries, plus I have highlighted that their false claim of "improving my credit chances" has crippled any chance of me remortgaging my property (I have not missed 1 payment of my mortgage in 10 years but my current lender still wont touch me because of the PDL entries) I shall keep you updated with the response.
  9. slick, Apologies in the delay in replying.... I'm extremely tempted to call into the gym and offer to pay the £29.97 but i have a feeling they will insist I go via CRS (as they did the previous time I contacted them)... Just a quick question, CRS keep referring to me signing a contract, which I haven't... I'm assuming signatures happen on the first visit to the gym (I have never set foot in the building) with that in mind can I assume that I haven't signed any form of contract and if thats the case no written contract exists? Again, cheers for your input
  10. Afternoon All, Any update in regards to addressing the PDL entries on a Credit File? Again, I am one of these who couldnt get a loan via mainstream as my credit file was shot (about 5 years ago) and found myself near on every month topping up my wages with a PDL and promptually paying it back once my salary went into the bank (I have ALWAYS paid when required, no missed payments at all). The nice little puppets made the promise that it would "help" my credit.... guess what it hasn't, if anything it is the ONLY thing dragging me to my knees Im now 2/5 on noddle and EVERY other account is upto date with no missed payments. I did complain to Wonga who sent we the usual response and added the following quote to their reply (this was last year) "“as long as you repay the payday loan on time and in full then any effect on your credit rating is likely to be positive. When lenders check your credit report they are looking for evidence that you are a responsible customer. Repaying a payday loan on time and in full should therefore strengthen your case, because many payday providers are now sharing credit data. Saying that, some high street lenders might see the fact that you’ve resorted to payday credit as a sign that your finances are under pressure. Importantly, lenders’ scoring systems are built by modelling actual customer data. As a result, if a particular lender’s experience is that customers who take out payday loans are more likely to miss their repayments, this will be reflected in their credit scoring. Actually, some of the lenders that use Experian for credit checks don’t currently differentiate between payday and other types of loans, so they wouldn’t be able to discriminate anyway. So if you do take out a payday loan, just concentrate on paying it back on time and you shouldn’t hopefully have any problems”. " HELP..... :-/
  11. OK.... further update. Heard nothing from anybody within the 14 day timescale, received an email from the gym on the 29th (see below) Good morning, It has come to our attention that there is a problem with your membership and it has been passed to Harlands/CRS. This means there is missed payments on your account and if its not sorted you could build a substantial amount of charges. . If you could give us a ring on XXXXXXXXXXX or come to the gym to see us we will resolve this for you. I sent them a copy of the email I sent to CRS on the 14th August. Then on the 3rd Sept I received a telephone call (message left) and promptly afterwards the following email... Re: CRS Ref No: Xxxxx / Xercise 4 Less Ref No: xxxxxx Further to your recent e-mail regarding your account balance. Please contact CRS directly on 01444 449165 to discuss your account within the next 10 days. A suitable resolution can be organised. Yours sincerely, Do I ignore? Or Contact the gym to pay?
  12. No that was their response to the email I sent in post #1 I shall await their response from post #6 and keep you informed. Thanks
  13. Email is on route (with read receipt request) saves on the postage Ill keep you updated.... slick, realised it was one of your template letters I used in my initial email "thankyou"
  14. The Gym wont discuss the account with me.... I've offered to pay the £29.97 direct with the possibility of reinstating the membership (even with the personal issue, which is "slowly" getting resolved) but they dont want to know unless I make the payment of £90+ (Im assuming they are all under the same umbrella? Harlands / CRS & X4L?)
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