luckysandpiper
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Does anyone make regular payments to overseas relatives using the MoneyGram On-Line service? If, like me, you do then you may not be aware that for every transaction that goes from the UK via their clearance agency in Ireland, MoneyGram first puts through a transaction for £1.37 presumably to 'validate' the debit/credit card being used. If this transaction is cleared by the card operator, the actual transaction is then put forward for clearance. Six times in the last three months I have had transactions blocked by the card operator who sees the sequence as a possible fraud operation. Apparently, there is nothing to indicate that the £1.37 is a 'test' transaction and as such it then sits in your card account waiting for MoneyGram to claim it - after 10 days it is cancelled by the card operator. Why £1.37 ? No idea. UK mail order companies sometimes use the same procedure, but with an amount of one penny. The process makes a mockery of their 'money in 10 minutes' claim since it can often take a couple of hours to get the transfer cleared. I emailed a complaint that wasn't answered and I have now put my complaint in writing to them. I'll let you know the outcome. Luckysandpiper
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I have already recovered penalty charges from this bank and after a 12 month fight aided by FOS I have recovered the non-existant PPI on this loan. Maybe that is why they have chosen to 'play' with me in this matter. However, I fear it is really just a case of non-communication between one set of zombies and another.Once sharkly always sharkly, if you get my drift.Had I not missed the March installment, it would have been paid off by now and whether or not they default me is of no great consequence to me. As a result of their actions back in 2007 my credit rating is shot to hell anyway, but I will be a thorn in their side for as long as possible.regardsLSP
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I missed a payment on a loan from an infamours bank. One week later I wrote offering a revised repament plan which was accepted immediately. I have made all the due payments in accordance with the new arrangement. A section of the bank seems to be unaware fo this since they keep mailing 'Arrears' letters based on the original payment regime, and their latest threatens a 'Default Notice' if I don't pay these arrears. Can they legally do this with an agreed repayment plan in place ? They have ignored all my protest letters so far. Luckysandpiper
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Barclays partner finance Telephone Harassment
luckysandpiper replied to pl26's topic in Barclays Bank
I am in a similar position to you in that I found out in March that I could no longer keep up the installments on a loan I have with them. As soon as I found out I wrote outlining the problem and offered to pay at a little over 50% of the previous rate. I had their acceptance IN WRITING at the beginning of April with a new repayment schedule. HOWEVER, the day after the missed payment I started to receive telephone calls, initially from 0845 numbers all attributed to Barclays Bank. At the and of March I stopped getting these and assumed all was well, but shortly after the first new installment was paid they started again from a machine with a number beginning 01213.... and they have persisited until the end of June. I logged each of these calls by time/date and they now number 109 in total. I have sent a complete list of these calls to the OFT with a brief outline of the case, not that they can help in individual cases, but it swells what might well be a substantial dossier on Barclays Bank. I have also told Barclays that if they persist I will cease all payments and let them explain themselves in court. They have now registered the affair as a formal complaint (with a number) and have also registered my reply to that as another formal complaint (with a number). There seems to be an ongoing competition between Collections in Manchester and Lending Operations in Leicester as to who can create the most havoc.- 10 replies
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Welcome Finance.. Help needed if possible please
luckysandpiper replied to PurpleRayne's topic in Welcome Finance
Re: Continuous card authorities. You are correct - they are VERY difficult to cancel. You need to be able to give your bank copies of any WRITTEN information that you have cancelling the transaction with the supplier concerned. I suffered this problem when my card details were 'leaked' to some iffy websites overseas who used a different name each month for the transactions. It took me six months to convince my bank to refuse to honour the debits. AND NEVER, NEVER, NEVER, EVER PAY A DCA BY DIRECT DEBIT. LSP -
Pursued by the Lewis Group
luckysandpiper replied to luckysandpiper's topic in Debt Collection Agencies
Not quite true Brokebutnotbeatn, my question was NOT what should I do, I have had a few years' practise at doing that - courtesy of CAG.My question was What Should I Expect Next from this DCA? How big will be the 'bruiser' that rings my doorbell to 'persuade' me to settle up, or do they just make idle threats ? This was the crux of my question aimed at anyone with experience of dealing with this particular DCA. LSP -
Pursued by the Lewis Group
luckysandpiper replied to luckysandpiper's topic in Debt Collection Agencies
Given that I have already done a CCA request complete with £1 PO on 1st Credit, which brought to light only the 'invitation' application form for a visa card, which is why the account is in dispute, surely the preferred option would be to 'enlighten' the Lewis Group and inform them of a gross breach of OFT guidelines. While the account is in dispute, 1st Credit have no business in passing it on to another DCA for enforcement. LSP -
Pursued by the Lewis Group
luckysandpiper replied to luckysandpiper's topic in Debt Collection Agencies
I'm not quite sure of the relevance of that, Brigadier - I defaulted on this debt with Barclaycard back in 2008 and that's on my file along with four other defaults from the same peroid. Three of those are now sorted leaving this one and one other, also in dispute over paperwork. What I was trying to ascertain was whether they have any 'tactical signature'. Telephone harrassment using automated calling is the first MO to surface, and I survived some three months of that with Mercers a few years ago.LSP -
For the first time ever, I have received a dozen phone calls in the last few days which Google tells me come from the Lewis Group (a DCA). They seem to be chasing a debt for 1st Credit, who in turn bought it from Barclaycard way back in 2008.My last contact with 1st Credit was back in 2009, when they failed to produce a copy of the signed agreement with Barclaycard, supplying only a copy of the application form instead.The Lewis Group are talking of sending someone to see me looking for 'full settlement' of this 'seriously overdue account'.It would seem that 1st Credit are now slipping back into the ways that caused the OFT to censure them on 25 Februaury 2009 - then it was Connaught Collections doing the 'dirty work'.Has anyone any experience with dealing with the Lewis Group that they would like to share with me ?LSP
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anyone know this number 01234836200?
luckysandpiper replied to royzor's topic in Telecoms - mobile or fixed
I 've just had a call from this number and they called themselves PENTAGON UK which Google tells me is a debt management company. LSP -
The morals & ethics of being in debt
luckysandpiper replied to luckysandpiper's topic in Debt Collection Agencies
I just did. LSP -
The morals & ethics of being in debt
luckysandpiper replied to luckysandpiper's topic in Debt Collection Agencies
I fully agree with you, VictoriaHeather, I think that my thread has run its course. It has made people think, and provoked many opinions, but now is the time to get on with fighting these DCA bullies. Thank you everyone. LSP -
The morals & ethics of being in debt
luckysandpiper replied to luckysandpiper's topic in Debt Collection Agencies
Quite so, Brigadier - quite so, Sir. LSP -
The morals & ethics of being in debt
luckysandpiper replied to luckysandpiper's topic in Debt Collection Agencies
As the one who started this thread back in the year dot (it seems like), it has been interesting to see the different reactions of CAG members.I confess here & now to being a 'won't pay' - why ?, because I am not prepared to be bullied, and I am not prepared to accept the right of a DCA, that has 'bought' my debt from the OC, to collect it from me without some documentary evidence of that right.Show me the agreement, and I'll pay up to the best of my ability. It is that simple. Start to threaten me, and I'll see you in court and plead abject poverty.LSP -
The morals & ethics of being in debt
luckysandpiper replied to luckysandpiper's topic in Debt Collection Agencies
PGH7447 - I am willing to bet that I could name the Bank or affiliate, and the DCA concerned from what you have written. I am glad to hear that you still managed to get a mortgage and credit. I have obtained (but not needed) credit WITH A PROPERLY EXECUTED AGREEMENT of which I have a copy, but was turned down by my new bank for a £50 increase in my overdraft.One can only relate one's own experiences. LSP
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