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    • Hi all, We bought a part to fix our washing machine approx 13 months ago direct from the manufacturer of the washing machine via phone. This part then failed 13 months later, as confirmed by their own engineer, who was sent by the manufacturer (who is also the retailer for the part) FoC. The engineer actually installed a replacement part, the machine came back to life, but they then removed the part used for testing (and ours reinstalled) as "we would be charged for it". The retailer are refusing to replace the part, stating that they only warranty parts for 90 days. When I stated that I believed the Consumer Rights Act gives me longer than that, they insinuated that it did not, and this was repeated by many representatives. AIUI for goods bought more than 6 months ago, I need to get an engineers report to confirm the part has failed? Or that it has failed due to manufacturing issues? Or would the companies own engineers report suffice? Also, does anyone have any other decent contact details for Hotpoint (or the Whirlpool group)? Thanks, GH
    • Thank you for that "read me", It's a lot to digest, lots of legal procedure. There was one thing that I was going to mention to you,  but in one of the conversations in that thread it was mentioned that there may be spies on the Forum,  this is something that I've read quite some time ago in a previous thread. What I had in mind was to wait for the thirty days after their reply to my CCA request and then send the unenforceable letter. I was hoping that an absence of signature could be the Silver Bullet but it seems that there are lot of layers to peel on this Onion.  
    • love the extra £1000 charge for confidentialy there BF   Also OP even if they don't offer OOC it doesn't mean your claim isn't good. I had 3 against EVRi that were heard over the last 3 weeks. They sent me emails asking me to discontinue as I wouldn't win. Went infront of a judge and won all 3.    Just remember the law is on your side. The judges will be aware of this.   Where you can its important to try to point out at the hearing the specific part of the contract they breached. I found this was very helpful and the Judge made reference to it when they gave their judgements and it seemed this was pretty important as once you have identified a specific breach the matter turns straight to liability. From there its a case of pointing out the unlawfullness of their insurance and then that should be it.
    • I know dx and thanks again for yours and others help. I was 99.999% certain last payment was over six years ago if not longer.  👍
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Keyes Whitlock / Payday UK


Limo2005
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I took a Small payday loan out before I lost my job. Could not pay back at the end of the month so called PayDayuk and spoke to a really nice lady and forgot to get her name. I explained that I have no income at present and asked if they would allow me to repay in small installments until I finally get my Jobseekers paid (3 months processing clain BTW) or secured employment. She agreed to defere the "Payment" with no extra interest for an extra month AND I said I would give them a call as soon as I can pay. I was relieved and found them really helpful.

 

Well Yesterday 14th September, Exactly 3 months after I made my claim for JSA, I got a Payment of approximately £500. Great I said, Just going to pay my some bills and get some Essential items like Baby milk, Nappies etc. n treat the Missus to a chinese! NOPE! Card gets declined so I check online to find out that PaydayUK or Keyeswhitlock (their Debt collection dept) have taken £437.00 from my debit card.

 

Barclays Bank

I called the bank and asked them to stop payment and they said they would and it would be back in my account by close of business that day. Sure enough it was. So I paid some of my household bills etc.

 

Today (15th September), I noticed that I was £190 overdrawn. Surely not! Check my statement online to find that the Payment had been made to Paydayuk, putting my account overdrawn. I have a no agreed overdraft and nor do I want one. I called the Bank again today and they state that it will be some days before they can investigate the transaction and that I need to speak to the company. CAN THE BANK AUTHORISE A TRANSACTION WHERE THERE ARE CLEARLY NO FUNDS AVAILABLE?

I already had agreed to pay by installments and when I called Keyes Whitlock today asking for a refund, They said that there was no record of me contacting them whatsoever, and the phone numbers I gave them I could not be contacted on. Well I spose thats correct as I gave my work numbers, and Work mobile number. The Mobile phone went back to the company when I left. They also state that they could not contact me at home and I discovered there was an error in the order of the digits. Its not a mistake I am like to make, getting my own number wrong.

 

They were unhappy to help me as they have the money and the file is closed END OF!

 

This is my situation:

Overdrawn

Today I am £190 overdrawn - I dont have an overdraft and I cannot understand why this transaction was authorised. If i go into Dixons and buy a laptop on my card without funds in my account the bank would decline the transaction. Why is this transaction any different? Apart from the fact that I did not authorise it. Why did the Money get refunded and then taken out again without BARCLAYS noticing it?

 

JSA Payment

I have signed on today and will be expecting a payment soon. But the payment will not cover the UNAUTHORISED OR WELCOMED overdraft and this will lead to several weeks on No money again! Bearing in mind that My 13 month old and 9 week old daughters, my partner and I have had no income since june. I have asked "Belfast" for a counter giro to be issued at my local jobcentre but as always, they dont call back when they say they would. (More Delays). A counter payment would prevent exceptional Hardship. HOW DO I GO ABOUT ARRANGING THIS URGENTLY?

 

Housing Benefit

I am expecting my first Housing Benefit Payment to be paid next Monday and there is no way I want to borrow any of that Money as it is rightfully due to my Landlord who is the worst kind of person you can meet (Landlord Harrasment). CAN I ASK FOR THE HB TO BE PAID DIRECT TO LL?

 

PAYDAY UK

I was stunned today to be told that there was no record of any communications despite the fact that they had stopped charging me interest on my account as the Lady on the phone said she would. All they said was that it was My first transaction with them and they tried to call me.... Erm! AT WORK. but as I informed them, Or so I thought, that I was not there anymore, I would update them and make an offer of regular payments. Imagine my surprise when I find they have taken the whole amout without my knowledge.

 

Not willing to give a refund as there was No contact and they could not get hold of me. Also as they made "no mistakes", they could not help me but referred me to the Customer Relations Team. Thanks! As a safety measure I have cancelled my debit card and now I have to change all my details with various organisations which is time consuming.

 

BUYER BEWARE

PAYDAY UK asked me to provide ID. I provided my Driving licence and Debit card as proof of ID. I did not provide that Information so they could take payment in one go after I had "attempted to make an arrangment to pay via installments." The advisor confirmed that the payment would not be taken out in one hit and I trusted her that that was the case.

 

When contacting your bank about any unauthorised transactions, state you do not have any knowledge of the company etc. If you do the bank will just ask you to complete a form so they can Investigate.

 

If you do get into difficulties, contact them ASAP and ensure you get everything in writing. As a safeguard, Block the debit card and request a new one. That way they cant take funds from your card.

 

It never rains but it pours.....

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Let the bank know you are on benefits, they are NOT allowed to take money from you when you are on benefits.

 

You also need to get a parachute account, the Post Office do one and so does Halifax, complete with online banking facilities.

 

I would also write to Trading Standards about their practice of taking money out when you haven't authorised it. Sadly it is common with these companies.

 

You now need to 'loose' your card so they can't take any 'remainder' they deem owed to them.

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Let the bank know you are on benefits, they are NOT allowed to take money from you when you are on benefits.

 

They already know and have done for some time.

 

You also need to get a parachute account, the Post Office do one and so does Halifax, complete with online banking facilities.

 

I am wise to that now and have applied for Both. I though the whole idea of having a Basic account was to prevent overspending especially with Money I dont have. Seems not. I have never had or needed an overdraft in 22 years of Banking.

 

I would also write to Trading Standards about their practice of taking money out when you haven't authorised it. Sadly it is common with these companies.

 

Dont get me wrong! They helped me when I needed it, but as I cannot prove my contact in any way, they are playing by the book! Shame they cannot offer any Discretion relating to my circumstances.

 

You now need to 'loose' your card so they can't take any 'remainder' they deem owed to them.

 

Cancelled my debit card and ordered a new one.

 

How can the bank authorise a £400 transaction yet bounces my £19 monthly car insurance??

 

It's a very interesting place being "Unemployed". Yet as soon as I start my new position in oct, I am going to kick some but through the courts.

 

Thanks for taking the time to reply.

 

Limo

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Just noticed something and I'm hoping it might have a bearing:

 

KeyesWhitlock sent out a letter dated the Monday 7th Sept (See image).

 

The Letter was received on Monday 14th Sept 2009 remembering there is a Postal dispute. Two days AFTER KeyesWhitlock take Payment from my card.

 

The Letter partly states:

 

In an attempt to have this matter resolved prior to referral, we are in a position to discount the amount outstanding by up to 25%, providing you make contact with us to discuss payment terms within the next 7 days.

 

Surely if KeyesWhitlock have offered me 7 days to contact them if order to resolve the matter, then they should at the very least wait for those 7 days to elapse before even attempting to take the payment as this leaves no option for discussion as per their own invitation.

 

Would anyone be inclined to agree with me?

 

Limo

Scanned014.jpg

Edited by Limo2005
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Unscrupulous companies like this are interested in only one thing - money - and they do not care how they get it. It is a mistake to expect them to act reasonably.

 

If nothing else, this story illustrates why CAG tells people not to speak to creditors or DCAs on the phone. Keep everything in writing.

 

Do you have a copy of the loan agreement that you could post up after removing personal details? You'll need to use photobucket or similar - the image above is too small to read.

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Keyes Whitlock are collecting the debt ? Can you post up the letter so it is bigger ? use www.photobucket.com if need be (free)...

 

Keyes Whitlock are doing the debt collecting ? If i'm not mistaken then Keyes Whitlock although part of MEM Finance do not seem to have a licence to collect debts....I think you should query this with the OFT...

 

 

 

Event Details

 

Licence Details:

 

 

Licence/Application Number Licence Status Applicant/Holder Name 0539935 Current MEM Consumer Finance Limited

Event Details:

 

 

Event Number Event Type Date of Receipt Closed Date Status 24 Renewal 19-Jul-2008 07-Oct-2008 Completed

Licence Event Details:

 

RoleNameActionLICENSEEMEM Consumer Finance LimitedAdded / RetainedOfficerAjay Kumar JindiaRetainedOfficerDennis Hamilton JamesAddedOfficerIain David McKenzieRemovedOfficerIain David McKenzieRetainedOfficerJohn Clifton DavisAddedOfficerJohn Douglass WheelerRemovedOfficerMr Dennis Hamilton JamesRemovedOfficerMr Peter George CoutrosRemovedOfficerPeter George CoutrosAddedOfficerTara Louise Owen GlenRemoved

Address TypeAddressActionCorrespondenceWitan Gate House, 500-600, Witan Gate West, Milton Keynes, Buckinghamshire, MK9 1SH, United KingdomAdded / RetainedPrincipal Place Of BusinessTalisman Business Centre, 11, Talisman Road, Bicester, Oxfordshire, OX26 6HR, United KingdomAdded / Retained

Trading Names:

 

NameActionKeyes Whitlock & CompanyRetainedLoan LoungeRetainedMoney BridgeRetainedMonth End MoneyRetainedMy Payday LoanRetainedPayday Loans UKRetainedPayday NowRetainedPayday UKRetainedThe Payday StoreRetainedThree Month LoanRetained

Categories:

 

CategoryActionConsumer creditRetainedConsumer hireRemovedCredit brokerageRetainedCredit reference agencyRemovedDebt adjusting/counsellingRemovedDebt collectingRemovedProvision of credit information services, excluding credit repairAdded

 

 

 

Licence Number:0539935

Licence Status:Current

 

Current Applicant / Licensee:

 

Business NameCompany Registration NumberMEM Consumer Finance Limited4786727

 

Categories:

 

Consumer credit Credit brokerage Provision of credit information services, excluding credit repair

 

Right To Canvass Off Trade Premises:Yes

 

 

Trading Name(s) (Current):

 

Keyes Whitlock & Company Loan Lounge Money Bridge Month End Money My Payday Loan Payday Loans UK Payday Now Payday UK PDUK The Payday Store Three Month Loan

 

Issued Date: 20-Jul-2003

Date Maintenance Payment Due: 19-Jul-2013

 

 

Legal Formation:

 

Body Corporate (incorporated inside UK)

 

Current Individuals that run the organisation:

 

NamePositionAnna Marie McCrarren Iain David McKenzie John Clifton Davis Joseph Basil Fejes Peter George Coutros Richard Randolph House Jr

 

Historic Individuals that run the organisation:

 

NamePositionain Daviod McKenzieOFFICERAjay Kumar Jindia Dennis Hamilton James Iain David McKenzieOFFICERJohn Douglass WheelerDirectorLaura May Dane Mr Dennis Hamilton James Mr Peter George Coutros Richard David AbbottDirectorTara Louise Owen GlenOFFICER

 

Current Organisations that run the organisation:

 

NameCompany Registration NumberPositionShoosmiths Secretaries Limited03206137

 

Nature of Business:

 

Credit Agreements/loans (linked)

 

Current Address(es):

 

Address TypeAddressCorrespondenceWitan Gate House, 500-600, Witan Gate West, MILTON KEYNES, MK9 1SH, United KingdomPrincipal Place Of Business11, Talisman Road, BICESTER, Oxfordshire, OX26 6HR, United KingdomRegistered OfficeWitan Gate House, 500-600, Witan Gate West, MILTON KEYNES, Buckinghamshire, MK9 1SH, United Kingdom

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Copy of the agreement And the letter they sent on the 7th of Sept 2009.

 

Having spoken to Sarah in the Customer relations team today PAYDAY UK are still standing firm that they have a right to take the Money from my account. I agree that but its the circumstances in which they have taken the money from my account.

 

I have suggested that the letter sent on the 7th sept inviting me to contact then to secure a payment plan was without foundation as they took the Money anyway. The response was that the computer is setup to do that automatically. I made it clear that I had been given false hope and that I felt it was grossly unfair to take away any possibility to discuss.

 

w2238.pngscanned014.th.jpg

scanned015.th.jpgscanned016.th.jpgscanned017.th.jpg

Edited by Limo2005
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If you keep talking to them on the phone, they'll keep waffling to you.

 

Agree but the conversation was recorded in full and all parties aware. Including introductions and Job titles. They called me!

 

but there's no point in people taking time to advise you if you are intent on making it difficult for yourself.

 

In what way? That is your opinion and you are entitled to it, but it is my honest opinion, I wanted to ensure that I was making my feelings known and that I intented to take the matter further.

 

I appreciate the help and advice! Now who should I bring this to the attention of? I have complained to "Whoever they are", in the first instance. Who Next?

 

Thanks

Edited by Limo2005
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You can only take the practical steps as you've been advised like having a seperate account etc....

There are only so many places you can complain to like the OFT,trading standards,financial ombudsman, info commissoner & so on.....

The only place left to go beyond all of that is your own legal action through the court system etc..

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Complaints to DCAs by telephone are meaningless, even if recorded, if you want to achieve anything and/or intend to take the matter further. Unless only for personal use, you have to tell the other party; even then, DCA's will usually deny everything.

 

FOS will only accept a complaint when you have gone through the DCAs complaint procedure; every DCA is obliged to have one, and to send a copy on request. These procedures invariably involve putting your complaint in writing.

 

How you feel is, to a DCA, irrelevant - except where they can exploit it. It may make you feel a little better, but it won't effect the outcome, and ultimately it will leave you feeling frustrated and angry. The main weapon in the DCA's arsenal is telephone contact; as long as you are talking to them, they think they have the advantage. Many of the telephone techniques used by DCAs are designed to play upon the emotions. Only by making them communicate in writing will you be able to get them to stick to fact and obey the rules - and you will have a paper trail that can be used to back your complaint.

 

If they call you, simply refuse to answer their security questions, tell them you don't discuss personal matters on the phone, and tell them to put whatever they want to say in writing - and then hang up.

 

In this particular case, where the DCA appears to be undertaking unlicenced activity, I suggest that this is even more reason not to engage with them - just report them to Trading Standards.

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  • 6 months later...

Am in a similar situation, was called by someone from payday uk recently, we eventually agreed to pay in instalments as I'm struggling and then they went and took the whole amount out of my account this week.

 

Contacted them to explain that I need that money and they said my account was being managed by Keyes & Whitlock, have been given a phone number, haven't called it yet but it is: 0800 0750 728

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Have just spoken to Keyes Whitlock, got an 'adviser' with very poor english who explained to me that because one of my payments didn't get paid on the date we'd agreed, the day after they took the account 'off hold' and therefore the system automatically takes the full amount.

 

I explained that I need that money minus my £60 agreed payment to live this month as my hours at work have been cut and she said "well unfortunately the account is now closed. I do understand, yeh, but there's nothin' I can do. The account's now been settled"

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  • 1 year later...
  • 4 weeks later...

I feel so sorry for every single person who has commented on this page.

 

I used to work for MEM consumer finance AKA payday uk/Keyes Whitlock.

 

The practices involved in them taking money is disgusting.

 

Did any of you know the agents receive commission if they take your payment that is overdue.

 

I have now left the company thank god and I want to share things about them with everyone.

 

If anyone needs any questions answering, I will be happy to oblige and answer them honestly and fairly.

 

Thankyou, and again I am really sorry to all those affected by the [causing problems] gits.

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