Jump to content


  • Tweets

  • Posts

    • I've an idea that what this is is clearing out stock of old tech panels as there have been signs of major breakthroughs in solar tech - inc what is effectively solar paint   reuters.com WWW.REUTERS.COM  
    • ROFL - says a minister of the government that lets its politicians promote their agendas unchallenged and well paid on the UK's version of Russia Today translated UK deputy PM launches global push to mask their election rigging "The UK is following Russia and China on a government minister and MP led process to get paid vast sums to put our message out to the plebs unchallenged, funded via right wing billionaires, AI from foreign states, and misuse of taxpayer money.   reuters.com WWW.REUTERS.COM  
    • Yes, but the process starts here... https://ico.org.uk/make-a-complaint/data-protection-complaints/what-to-expect/ This involves making a complaint to GS first before approaching ICO. However, at the time of the complaint, I beleive we'd advise the complainant to ask for some compensation and take it from there. @FTMDave?? No, I meant this forum, The Consumer Action Group, where you're posting right now.😄 (We're in the slow process of rebranding as The National Consumer Service.)
    • Thank you. The npower debt was from 2019/2020 until EON took over the account late 2021. npower had set a DCA on me even though I owed them nothing. I spoke to a customer service agent, following up by email, who confirmed I was in credit . I made a complaint to head office who sent a barrage of emails, changing the amounts each time. According to them, I owed £279. The debt grew to what it is now as first npower and then EON subsequently failed to put a payment arrangement and direct debit in place to pay off this supposed sum and my ongoing bills. I was very ill with Covid, struggling in lockdown with a disabled child and informed them of all this. EON stopped their legal action when I took them to the ombudsman as this was part of my complaint and requested remedy but I have not received a notice of discontinuance.  I would like to set up my own dd to pay them off but am concerned they could still take legal action. I am on a low income and can’t afford to pay them more than a token amount each month.  And yes, they state their client is EON and that they can return the debt to EON who can either register a default or take me to court. 
    • Thank you guys! @lookinforinfo thank you for the case, it seem to similar with my case which is gold. @Nicky Boy shouldn't be ICO?   Personal data breaches: a guide ICO.ORG.UK   For CAG I found this  The Confidentiality Advisory Group (CAG) is an independent body which provides expert advice on the use of confidential patient information. This includes providing advice to us, the Health Research Authority (HRA) for research uses. It also provides advice to the Secretary of State for Health for non-research uses.
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 160 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3379 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I partly completed a small load application form with the above company.

 

As there were questions on the form which I was unable to answer (mainly employment questions as I have been retired for 6 years)

the form was not completed or submitted.

 

But it seems that important details on the first completed page were still transmitted to them,

and 67.88 was taken from my bank.

 

On my membership page with them, it quite clearly shows this incomplete form. I have screen shots of this.

 

I wrote to them, recorded delivery, to cancel this, and have screenshot of their postal receipt.

 

Eventually, I received an answer to say that the refund had been made,

and although I realize that this can take a few days through Visa,

 

it is now almost 3 weeks and no refund.

 

Since my refund application, they have a new address, and I have written to this address also.

 

It is impossible to speak to anyone on the phone.

 

I have contacted Citizens Advice (as a first step in putting this matter before Trading Standards)

as this company are quite clearly flouting the 14 day refund rule.

 

I want also to confront this company over the way that they obtained my bank details,

as this seems to be quite usual going by previous threads on this site.

 

It does not seem legal at all...should I contact the police on this, or can anyone advise me the best course of action ?

Link to post
Share on other sites

Can anyone please give me any information regarding Katsea Financial Services, of 59 Piccadilly, Manchester M1 2AQ, and previously of Ipswich. I particularly want a telephone number as they ignore all correspondence on a matter concerning the unauthorised withdrawl from my bank account. This company and their off-shoot Loans-Only.co.uk need to be challenged over their way of business, and this is a final attempt before contacting the police. Thank you

Link to post
Share on other sites

Hi,

 

This is the number on their MyLoanNow website.....T: 0203 137 3430 ( only one I could find )

 

T's & C's regarding their service.........

 

We will charge you a fee to act as your specialised finance broker. This fee is specified as part of our communications with you. If you are not offered a loan by a lender or financier within the 1 month that we act for you then we will refund the fee less than the £5 brokerage fee provided for by the Consumer Credit Act 1974. Refunds must be requested in writing to Katsea Financial Solutions, 4th Floor, 59 Piccadilly, Manchester, M1 2AQ to avoid repayments being sent to a wrong address and/or getting lost.

 

To facilitate us processing payments and repayments you authorise us to retain your charge, credit and debit card details. With regards to payments set up by debit or credit card we will attempt to take a fee when you make your application. Under the Financial Services (Distance Marketing) Regulations 2004 you have the right to cancel your agreement with us within 14 days of receiving these terms and conditions, you will be entitled to a full refund which will be made within 14 days of receiving your request. If you would like to cancel you must inform us by writing to us at Katsea Financial Solutions, 4th Floor, 59 Piccadilly, Manchester, M1 2AQ.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Link to post
Share on other sites

dagofin,

 

I have merged your previously started thread on this subject with your latest one, please continue to post here regarding this issue.

 

Thanks,

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Link to post
Share on other sites

what do your bank say on using chargeback or CPA rules etc

 

GENERAL NOTES ON CHARGEBACK & Continuous Payment Authority & BACS

.....

We have been telling people to put a letter into their bank instructing them

not to make any payments under any circumstances to these companies

.

http://whatconsumer.co.uk/visa-debit-chargeback/- it works!

.

banks MUST follow written intructions from their customers !

.

This fsa guideicon has now been updated:

.

http://www.fsa.gov.uk/pubs/consumer_...ghts_guide.pdf

.

Here's the text:

.

Cancelling a regular

card payment:

.

When you give your credit or debit card details to a company and authorise them to take regular payments from your account,

such as for a gym membership or magazine subscription,

it is known as a ‘recurring transaction’ or ‘continuous payment authority’.

.

These are often confused with direct debits, but do not offer the same guarantee if the amount or date of the payment changes.

.

In most cases, regular payments can be cancelled by telling the company taking the payments.

.

However,

you have the right to cancel them directly with your bank or card issuer by telling it that you have stopped permission for the payments.

Your bank or card issuer must then stop them – it has no right to insist that you agree this first with the company taking the payments.

.

Be aware, though, that you will still be responsible for paying any money that you owe.

and that CANELLING YOUR CARD WILL NOT STOP THE CPA

.

see:

http://www.consumeractiongroup.co.uk...-Viewing)-nbsp

.

http://www.fsa.gov.uk/pages/consumer...ng/index.shtml

.

http://www.theguardian.com/money/201...?newsfeed=true

..

.

New june 2013

.

Regulator orders Banks and mutuals to review complaints about not cancelling recurring payments from November 2009.

.

Consumers who have set up a regular payment from their account will now be able to successfully cancel that arrangement

by contacting their card provider, the Financial Conduct Authority said.

.

The FCA has been examining how easy it is for customers to cancel Continuous Payment Authorities (CPAs)

due either to payday lendersicon or for other regular payments such as subscriptions or gymicon memberships.

.

CPAs, which are also commonly called recurring transactions or recurring payments,

are relatively easy to set up but can be hard to cancel, causing problems for consumers trying to manage their finances,the FCA said.

.

Now, following the FCA review of how the largest high street banks and mutuals process requests to cancel CPAs, they have agreed that they will ensure that when

a customer asks for a recurring payment to end, that will be sufficient to cancel the arrangement. They have also confirmed that should a payment go through by

mistake following cancellation by a customer the customer will be refunded immediately.

.

In addition to securing this commitment, the largest banks and mutuals have agreed to review every individual complaint they have received about the non-

cancellation of a CPA and to pay redress where payments have continued to be made despite the customer cancelling the arrangement. This applies to all complaints

since November 2009 when the Financial Services Authority, the FCA’s predecessor, began regulating banking conduct.

.

Clive Adamson, the FCA’s director of supervision, said: “It’s important that consumers are confident that banks are meeting their everyday banking needs. Today

customers can be confident that when they ask for a Continuous Payment Authority to be cancelled – it will be cancelled - and that it can be done easily.

.

“We recognise that historically this is an area where some customers have struggled but the banks and mutuals have responded positively to our work on this issue.

From now on we expect them to be getting this right. In addition, they have committed to review past complaints.”

.

http://www.ftadviser.com/2013/06/28/...J/article.html

.

Also mentioned your displeasure that as whomever took your money had obviously attempted this many times

probably activating your banks own anti fraud software - nobody had the decency to inform my you this was going on.?

.In the FSA's own words:

.

..

What should I do about a payment from my account that I didn’t authorise?

.

Your bank must refund an unauthorised transaction.

Money can only be taken from your account if you have authorised the transaction

or if your bank can prove you were at fault –

see below.

Contact your bank immediately if you notice an unauthorised payment from your account.

If you are sure you did not authorise the payment, you can claim a refund.

However, your bank does not have to refund you if you do not tell it about the payment until 13 months

or more after the date it left your account.

.

Your bank must refund an unauthorised transaction

.

------------------

.

Your bank may only refuse a refund for an unauthorised transaction if:

.

? it can prove you authorised the transaction

– though your bank cannot simply say that use of your password,

card and PIN proves you authorised a payment; or

? it can prove you are at fault because you acted fraudulently,

or because you deliberately,

or with gross negligence, failed to protect the details of your card, PIN or password in a way that allowed the transaction

.

-----------------------

.

How quickly must my bank refund me for an unauthorised transaction?

.

The bank must make the refund immediately unless it has evidence that one of the above reasons applies.

Your bank may ask you to answer some questions and fill out a form confirming what has happened,

but it cannot delay your refund while it waits for you to return the form.

If the bank has evidence that one of the above reasons for refusing a refund applies,

it may investigate before making a refund

but must look into it as quickly as possible.

If your bank rejects your claim for a refund it should explain why.

If the transaction was on a credit card, the refund may not happen immediately.

But the card issuer cannot charge interesticon or ask for repayment of the amount unless it can prove you are liable to pay

[/b]

These are your statutory rights under FSA regulations. They are not guidance.

.

if you did it by your banking portal:

.

then follow this:

.

http://www.consumeractiongroup.co.uk...73#post4534173

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Thank you for the information.

 

inthis case there will be no recuring payments...it is a lifetime fee,

and in any case I have changed my details so that mo other payments can be made.

 

My bank say that because it is my fault that this company got my details,

they cannot do anything.

 

It does not matter to them that I did not submit a full application to them

...it was impossible to complete the form because unanswered questions would not have allowed me to this.

 

However they obtained the information from the form.

 

The incomplete form is viewable on my member page.

 

This is why I say that they have obtained the information fraudulently.

 

Also there is the fact that they refuse to refund me under the 14 day cancellation

....I can get no explanation from hem at all.

 

Thank you

Link to post
Share on other sites

your bank is wrong

 

go demand a chargeback and go up the chain till you get it.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Thanks. Any suggestions as to who I should see in an attempt to get this practice changed ? If I had just changed my mind, a refund would be enough but Loans-Only must have broken the law, getting money in this way.

And there are other posts on this thread from other people who have fallen for this. Regards Dave

Link to post
Share on other sites

  • 1 month later...

Good Morning all,

I have been scammed by myloan-now as well.

I contacted Natwest to initiate the chargeback process, however Natwest told me that because i had been looking for loans there is nothing they can do.

I tried to make them understand that i might have been looking for loans but i never authorised myloan-now, i hadn't even been on their website, to take any kind of payment.

I have been stung by these kind of credit brokers in the past, so the minute i see " we will charge a fee for our service " i close the browser.

What i am trying to do now is get some clear information about the Chargeback scheme and how it works, because Natwest refuse to do it.

If anyone can give me some info regarding this kind of transaction and how the Chargeback scheme works in relation to this kind of thing, i would be extremely grateful.

cuzznx

Link to post
Share on other sites

Good Morning all,

I have been scammed by myloan-now as well.

I contacted Natwest to initiate the chargeback process, however Natwest told me that because i had been looking for loans there is nothing they can do.

I tried to make them understand that i might have been looking for loans but i never authorised myloan-now, i hadn't even been on their website, to take any kind of payment.

I have been stung by these kind of credit brokers in the past, so the minute i see " we will charge a fee for our service " i close the browser.

What i am trying to do now is get some clear information about the Chargeback scheme and how it works, because Natwest refuse to do it.

If anyone can give me some info regarding this kind of transaction and how the Chargeback scheme works in relation to this kind of thing, i would be extremely grateful.

cuzznx

 

 

would be best to start a new thread

 

 

of you own

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

  • 3 months later...

Hi I had issues with Katsea financial solutions in sept this year and many people have unfortunately. I was on a payday loan website that had no charges and myloan now somehow managed to take money out my account without my consent or knowledge for some membership but I later linked Katsea with another ltd company with the same director and complained to Katsea for 7 weeks as initially they refused to give me more than 50% refund even though I deserved full refund. They ignored my complaint and all emails and any telephone calls were met by hostile and unhelpful staff and went to the Financial Ombudsman and they listened and took action on my behalf and got me back all of my money plus a bit extra for the time it took them and stress. The Financial Ombudsman had also received enough complaints from other people with issues with Katsea financial solutions that they were taking things seriously. Katsea financial solutions ltd closely linked to intergrated financial ltd or something like that and they had about 7 or 8 different websites operating within financial areas. My bank were not willing to help in any way and tried to imply I was at fault for the money being taken out my account and kept suggesting I must of made a mistake somewhere and allowed it. I know this info may not be of big help to get your money back potentially and I do totally feel where people are coming from as I got hit by 2 membership companies on same day and all my spare money I had in my account for food and to live on was gone and my bank just didn't seem to care and I had to continue my personal fight against Katsea for nearly 2 months before I had it fully resolved but could of just left it as it caused so much stress and my health and disability is not too good anyway for me and you were dealing with a company a lot of other people have suffered from. My support and compassion goes out to you and the FCA and Financial Ombudsman are aware of these wrong things Katsea and intergrated were doing to people but only just very recently and the issue is ongoing and investigation is aware but may have to wait to see if any action can be done. I had felt like someone had stolen my wallet then tried to give me back just half of the money in there. Please note I wasn't suggesting then Katsea are or were doing anything illegal nor would I suggest or imply the company director I looked into is complicit or involved. Right that's my recent summary of Katsea financial solutions ltd now officially called I think Seakat ltd after ltd company details were changed but Katsea are still fully liable and the company being tackled.

Link to post
Share on other sites

Hi I had issues with Katsea financial solutions in sept this year and many people have unfortunately. I was on a payday loan website that had no charges and myloan now somehow managed to take money out my account without my consent or knowledge for some membership but I later linked Katsea with another ltd company with the same director and complained to Katsea for 7 weeks as initially they refused to give me more than 50% refund even though I deserved full refund. They ignored my complaint and all emails and any telephone calls were met by hostile and unhelpful staff and went to the Financial Ombudsman and they listened and took action on my behalf and got me back all of my money plus a bit extra for the time it took them and stress. The Financial Ombudsman had also received enough complaints from other people with issues with Katsea financial solutions that they were taking things seriously. Katsea financial solutions ltd closely linked to intergrated financial ltd or something like that and they had about 7 or 8 different websites operating within financial areas. My bank were not willing to help in any way and tried to imply I was at fault for the money being taken out my account and kept suggesting I must of made a mistake somewhere and allowed it. I know this info may not be of big help to get your money back potentially and I do totally feel where people are coming from as I got hit by 2 membership companies on same day and all my spare money I had in my account for food and to live on was gone and my bank just didn't seem to care and I had to continue my personal fight against Katsea for nearly 2 months before I had it fully resolved but could of just left it as it caused so much stress and my health and disability is not too good anyway for me and you were dealing with a company a lot of other people have suffered from. My support and compassion goes out to you and the FCA and Financial Ombudsman are aware of these wrong things Katsea and intergrated were doing to people but only just very recently and the issue is ongoing and investigation is aware but may have to wait to see if any action can be done. I had felt like someone had stolen my wallet then tried to give me back just half of the money in there. Please note I wasn't suggesting then Katsea are or were doing anything illegal nor would I suggest or imply the company director I looked into is complicit or involved. Right that's my recent summary of Katsea financial solutions ltd now officially called I think Seakat ltd after ltd company details were changed but Katsea are still fully liable and the company being tackled.

 

 

can you please start a new thread

 

 

of your own

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Please also ensure that when you do start the new thread, you pop some spacing into it, so it can be read easily !

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3379 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Guest
This topic is now closed to further replies.
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...