Thanks so much for the help Today i was given a refund along with £50 compensation for the 113 mins on the phone and over 2.5hours spent in a Santander branch.

Hi, Thanks for the help I am no further forward with Santander I have spent nearly 4hours on the phone in the last 2 days and tbh feel completely drained by the whole thing. I printed off the FSA leaflet "know your rights" and also the payment services regulations but the branch manager refused to even look at them, instead insisting they were following Santander policies and procedures. I found Santanders policy on recurring card payments and also just noticed it has been quoted earlier on in the thread. This is what it says.. Therefore if a payment was asked for at 3.42am on the 29/8/12 then the working day prior to that would be 28/8/12. I asked for the payment to be stopped by by phone records during the call started at 10.18am. This means i should be entitled to a refund?? Is this how other people understand this? Please tell me if what i am saying is wrong as i would appreciate some advice What really annoys me is the lack of knowledge all of Santanders staff have. I have dealt with such ignorant staff who have not even been willing to take into consideration what i have said. I have been passed round in a circle 3 times by so called managers who have insulted me at every point. Santander even denied me making the call on Tuesday morning, this was the fraud department who denied there was a phone record. I had to phone the department i spoke to just to get confirmation of the record. Some fraud team huh? I am getting pretty desperate for this money back now and have had to cancel another payment due to it which will no doubt incur me charges. I have a meeting with the bank manager tomorrow at 12.30 but she has already said she can[t do anything for me. I only got the meeting time as sh wanted me out of the door because it was 5.10pm lol .

Hi, I tried to cancel a recurring payment with Santander yesterday. I was told it would take up to 24hours. I telephoned at 11.08am yesterday and at 3.42am this morning the payment left my account. I have telephoned santander and soke to 3 people, 2 of them managers who have refused to refund the payment. I have been told that i can't dispute this until after 1st September:?: I quoted .55 & .61 of Payment regulations 2009 only to be told that if that is the case then Santander is not in line with these regulations??? I have just had a quick google and found Santander are quoting you can not cancel a recurring payment? I do not have enough posts to include the link

I stupidly applied for a PDL with Speed Credit on Saturday 17th March(i was desperate). I was accepted for the loan and i got an sms and email message saying the money had been transferred to my account. After checking my account several times on Saturday the money did not arrive so i telephoned Speed Credit(called themselves paycheck credit on the phone). I was told that the money should be in my account any time but if it was not then the accounts department would contact me on Monday morning. On Monday after receiving no call from Speed Credit i telephoned once again and was told that the same thing had happened to 2000 other people and that there was a problem with the banking system and it was not there fault I stated that i wanted to cancel the loan but was told i had to wait until the funds were in my account and then contact them. It is now 4 days on and several calls later despite me saying i wanted proof the money had been sent from them and telling them i wanted the loan cancelling immediately i have got nowhere. I would be very grateful i someone could offer advice on what to do next and help me with a letter to send to them. I will be making all further contact by email so i have a record. I am really worried that speed credit are going to take the money from me even though i have not received it. I was promised yesterday the loan would be cancelled but it still has not Thanks

I am so sick of these **** bags asking my Mum to pay money for me:mad:. I spoke to someone last week who was asking for money and i aid i wasn't paying anything else untill i got my SAR as they had entered a new loan agreement on my Credit File that i haven't signed an agreement for. I arranged for the guy to ring me today to see if i had my info back(doubt it i only sent last week). He did not ring and turned up at the door at 5.30pm. I was in the middle of changing baby so my Mum who was at my house went to door and said she's busy, you were supposed to ring her, she told you she wasn't paying anything. The WF guy obviously didn't realise i was in the room next to door and said i had spoken to him today and i told him to come for the money:-o and could she pay him. My Mum said no so he grunted and stormed off. He went backto his car and came back 5mins later banging aggressively on door(not the first time he's frightened my son). My Mum went to door and he told my Mum it was her last chance and he wanted £5 NOW or he was sending it to DCA. I stormed out the room and said i was making a complaint and he had no right threatening my mother like that to try and make her pay it for me. His reply was "try it" then he went away. I am sick of this man with his bullying tactics and i want to do something about it. Can you tell me who i should make a complaint to about him? He ha threatened loads of times to send to a DCA, court action, Attatchment of earnings, and i have told him to go ahead(my credit rating is rubbish anyway so it won't make much difference) but he never has. They have reduced and reduced my payments right down to £5 a month and hae stopped adding charges to my account(or so they say) so why are they so bothered about this. Surely they would be better rid of the hassle of collecting £5 a month. This makes me think they know that the last loan shouldn't be there:|

Anyone have this address?

The more i look at this the stranger it becomes! My original loan must have been 2000/2001(it is no longer showing on my credit report). The agreement show above was to lower payments. This loan is showing on my Credit file with Experian(i assume its this loan) Company name: WELCOME FINANCIAL SERVICES LTD Account type: Loan Started: 27/11/2002 Default Balance: £957 Current Balance: Satisfied Repayment Period: Monthly Payment: £28 over 36 months Defaulted On: 05/12/2003 File Updated for the Period to: 17/02/2008 I noticed yesterday that there was another entry on my credit file Company name: WELCOME FINANCIAL SERVICES LTD Account type: Loan Started: 04/05/2004 Current Balance: £617 Repayment Period: Monthly Payment: £10 over 98 months File Updated for the Period to: 12/04/2009 I did not take out a new loan with WF in 2004 but did however agree to start paying £10 a month but can not remember signing an agreement:confused:. The thing i find even more strange is that if this new agreement was the balance of the first loan at a lower rate then why was it not satisfied until 2008:confused:. The original loan was for £500 in 2000/2001 and i still owe £617 8/9 years later:rolleyes:. Apparently i am no longer being charged any interest or extra charges. I am going to send SAR today.

Hi, I am having some problems with Welcome and have just dug out this CCA and it looks as though i am paying interest on the acceptance fee. Would you guys who know what you are looking for have a look for me please;-) This agreement was to spread my earlier loan over longer so i could pay less and i have obviously ended up paying alot more for it:rolleyes:. When i got a copy of my Credit File today WF have stated that this loan is satisfied and entered another loan onto my credit file for the remaining balance in 2004 but as far as i am aware i didn't sign another agreement to pay £10 a month but i did speak to them on the phone:-? I have had a few calls offering to take off a percentage of the debt if i can pay a bit more but never had written confirmation and it also looks as though they haven't done it from the balance shown on my credit report:rolleyes:

I posted a similar thread in the CRA Forum along with other questions as the query came from looking at my Credit report and i hadn't seen this section so sorry for putting it in two places. I took a loan out with Welcome Finance in 2002 and defaulted 5/12/03. They were giving me so much hassle and i was paying bits when i could. On my Credit file(Copied & pasted without personal details below) it says that the original loan was satisfied and file updated 17/2/08. There is then another entry from Welcome Finance starting 4/5/04 which i don't know about so i assuming they have started up another loan from the remainder of the balance from 1st loan at a lower monthly payment. I am sick to death of Welcome hassling me constantly so i have been paying £5 when i can but i think it would be easier to just stop paying them then at least it would be wiped off after 6years. I told them last year i wasn't paying them anymore untill i saw a statement as i have never had a montly or even yearly statement ever and they gave me a statement i didn't really understand. I said i wasn't paying any more until they explained it and explained what some of the amounts which i thought were charges were for and they just kept trying to get out of it saying i no longer got any charges and kept on hassling for money:rolleyes: Last March i had my second baby and was at home when my son was around 3 months. Welcome Finance came banging on the door and my son had been poorly and i was breastfeeding him at the time. My other son opened the letter box and i shouted he would have to come back another time so he started banging really aggressively on the front door then came and looked in the window. I'm sure it was quite obvious i was feeding the baby but instead of going away he came round the back in the gate to garden then opened my back door and shouted he needed to speak to me NOW:shock:. This is just one of many things they have done and one Collections person was particularly rude to my Mother when i was not at home. They have tried hassling my Mum for money and asking her to pay off the debt and make a settlement. They have threatened my Mum that i'll be took to court etc, given my Mum personal details. Is there anything i can do about them putting a second entry on my credit file and also giving me so much hassle? I even old them i'd rather they did an attatchment of earnings they keep threatening with(they've tried threatening, attachment of earnings, court, bailiffs......everything). I am currently on Incapacity Benefit & DLA so they obviously dont think it would be worth doing that(not sure if they can count the DLA as earnings). Company name: WELCOME FINANCIAL SERVICES LTD Account type: Loan Started: 27/11/2002 Default Balance: £957 Current Balance: Satisfied Repayment Period: Monthly Payment: £28 over 36 months Defaulted On: 05/12/2003 File Updated for the Period to: 17/02/2008 Company name: WELCOME FINANCIAL SERVICES LTD Account type: Loan Started: 04/05/2004 Current Balance: £617 Repayment Period: Monthly Payment: £10 over 98 months File Updated for the Period to: 12/04/2009 Status history: [] brackets indicate most recent months status [ ]

Hi, I have just accessed my Credit report as i wanted to see what debts were left on it & their are a few debts i am unsure about. I had a number of debts & CCJ's some time ago but there are no CCJ's showing now so i am assuming it has been longer than 6yrs(or however long they stay on for). I took a loan out with Welcome Finance in 2002 and defaulted 5/12/03. They were giving me so much hassle and i was paying bits when i could. On my Credit file(Copied & pasted without personal details below) it says that the original loan was satisfied and file updated 17/2/08. There is then another entry from Welcome Finance starting 4/5/04 which i don't know about so i assuming they have started up another loan from the remainder of the balance from 1st loan at a lower monthly payment. I am sick to death of Welcome hassling me constantly so i have been paying £5 when i can but i think it would be easier to just stop paying them then at least it would be wiped off after 6years. I told them last year i wasn't paying them anymore untill i saw a statement as i have never had a montly or even yearly statement ever and they gave me a statement i didn't really understand. I said i wasn't paying any more until they explained it and explained what some of the amounts which i thought were charges were for and they just kept trying to get out of it saying i no longer got any charges and kept on hassling for money:rolleyes: Last March i had my second baby and was at home when my son was around 3 months. Welcome Finance came banging on the door and my son had been poorly and i was breastfeeding him at the time. My other son opened the letter box and i shouted he would have to come back another time so he started banging really aggressively on the front door then came and looked in the window. I'm sure it was quite obvious i was feeding the baby but instead of going away he came round the back in the gate to garden then opened my back door and shouted he needed to speak to me NOW:eek:. This is just one of many things they have done and one Collections person was particularly rude to my Mother when i was not at home. Is there anything i can do about them putting a second entry on my credit file? Company name: WELCOME FINANCIAL SERVICES LTD Account type: Loan Started: 27/11/2002 Default Balance: £957 Current Balance: Satisfied Repayment Period: Monthly Payment: £28 over 36 months Defaulted On: 05/12/2003 File Updated for the Period to: 17/02/2008 Company name: WELCOME FINANCIAL SERVICES LTD Account type: Loan Started: 04/05/2004 Current Balance: £617 Repayment Period: Monthly Payment: £10 over 98 months File Updated for the Period to: 12/04/2009 Status history: [] brackets indicate most recent months status [ ] Another one i am confused about is Natwest. As far as i was concerned any debt with Natwest was a CCJ and that was around 2002. This has now appeared on my file and the date last updated was 12/11/2006 but i know i have had no dealings with them at that time:-? Company name: NATIONAL WESTMINSTER BANK Account type: Current Account Started: 16/07/1997 Default Balance: £134 Current Balance: £109 Defaulted On: 06/11/2004 File Updated for the Period to: 12/11/2006 Another one is 1st credit Ltd - I don't even know who these people are and as far as i am concerned haven't had a hire purchase agreement. Am i better off just keeping quiet as it will dissapear next year Company name: 1ST CREDIT LIMITED Account type: Hire purchase/Conditional sale Default Balance: £682 Current Balance: £682 Defaulted On: 20/10/2003 File Updated for the Period to: 13/06/2004 Please can anyone explain what the linked adresses are for? There are 15 linked addresses on my file but some are duplicate entries or the people linking the addresses i've had nothing to do with. Also some of the linked addresses are same eg 15 **** Rd - 15 **** Rd. Thanks in advance for your help:)