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About Willo53

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  1. Thanks DM. I spoke to the card processor but it appears there is only skeleton staff after 6pm. Expecting a call back tomorrow morning with some who has more expertise to deal with the query. Sent CardOneBanking a complaints e-mail stating the card processor states it isn't fraud, so guess need to await their fraud department reply. If they close my account, I want to take action against them for unfair closure and reclaim all the fees I have paid them.
  2. That is basically the crux of it yes. CardOneBanking stating they were notified of fraud by the card processor on this date and they have closed the account.
  3. Hi All, I am looking for some experience or advice from anyone around cardonebanking. I set-up my business with them back in July and although their charges are high, they have been reasonable enough. Today I have been informed by their customer services team my account has been closed due to 'ATM Abuse' and must transfer the funds to another account. They have stated I have commited no actual fraud but they received a fraud flag from a card processor company on Tuesday 13th March. On this day, I had issues with an ATM which I tried on 3 occasions but there was a dispense
  4. Hi All, I have had a recent devleopment on the debt with Close Brothers. A letter was received yesterday from a companyt called 'CARS' who are demanding the full and final payment of £327.00 to cover the Professional indemity insurance. I cancelled the insurance months ago and I am no longer insured. It feels like they the next step will be for them to issue proceedings against myself, does anyone have any advice on the best tactics to respond with?
  5. Thanks. If the DCA buy the debt from Premium Finance, would they not be legal owners of the debt in their own right? I will send them a letter via the PO with proof of sending. Is there any recommended template to send?
  6. Thanks DX100UK, Close Brothers are just refusing to reply to my initial e-mail. I have today e-mailed Kingsbridge to ask them what the status is from their side and why I am getting hounded by Premium Finance. Do I need to send any kind of correspondence to Close Brothers, wary they will pass to a DCA who may issue proceedings against myself.
  7. Thanks Both. So if I was to re-enter the payment plan with CB would I covered for Insurance again? Looks like Kingsbridge have a win win situation, they have been paid in full and no longer have any insurer liabilities.
  8. Thanks Dx100uk. I would love to ignore them, but trying to get my credit history improved, so fear this will be antoher bad marker and will reduce my points scoring. Maybe an option is to offer than a settlement figure perhaps.
  9. Hi All, I am hoping someone can share experience or offer some advise. I set up an IT contractor insurance with Kingsbridge back in June when I was about to start my first contract role. The policy covered me for Professional Indemity insurance and I was quoted £45.00 a month. I agreed to the Insurance plan, two months later I got a better deal through my Accountancy firm I was dealing with. I cancelled the direct debit and notified Kingsbridge. I have now received a letter from Close Brothers Premium Insurance stating I owe them £384.00 for the full insurance poli
  10. Admission is the first part of the recovery process -well done. You may like to use the grasp reform webiste *type grasp reform into google* Gamcare is charity which funded by the gambling industry and there is far too many hidden agendas unfortunately. Can you believe they even tell you as part of your recovery you could actually gamble again in the future! Get onto the Grasp website and you will see what I mean. What was your biggest vice with gambling - horses, machines, sports betting, FOBTs?
  11. Hi Slick, There t + cs are: C. expressions Health and Fitness membership sales 1. This package is offered for a minimum of 12 months. Members can pay either by annual subscription in advance, or pay monthly by Direct Debit. For granting this credit, members pay an additional 10% charge which is incorporated in the Direct Debit payments. 2. If you wish to terminate your Direct Debit membership agreement during the first 12 months you must do so in writing to the Centre where you joined the expressions membership scheme. A single cancellation fee equivalent to 2 monthly payments
  12. Hi, I am finding it really hard to agree a full and final settlement with the below collection companies - I thought it would be easy to agree a partial settlement but they all seem hellbent on collecting the full amount, even though my offer would cover the oringial loan and would miss out the interest. My debtors are: Chantry collections - remaing balance £290 (£200 offered as settlement) Clarity - Remaining balance £243 (£180 offered) Wonga - Remaining balance £180 (£110 offfered) Does anyone know why they are being so difficult to agree a settlement, when the off
  13. Thanks, It was verbal conversation with the receptionist on the desk over the phone. They asked their manager how much I would need to write a cheque for years membership and £370 was given as the total. The monthly subscriptions was roughly £35, so I gatehered I was getting a small discount. I then joined and paid the cheque over the counter. I was then issued with a membership card and that was that.
  14. Hi All, I recently paid a cheque for £370 for 12 months member at Parkwood leisure which is owned by the local council but Parkwood run the business. Now when I asked to pay for 12 montsh they didn't really know the process or the cost (so I gather its not the norm) and I signed no contract either. Now I recently received flyers through my door offering the same gym for only £26.00 a month which works out cheaper than my full 12 months payment! In short, I want to cancel anyway as the gym is not very good and its open to public for 'free days' for kids and OAPS which if fine b
  15. Hi All, I have been on a payment plan with Chantry Collections with almost 18 months and have managed to reduce the overall balance from £900 to almost £300. The debt was based on 7 cheques cashed in Abermale and Bond which meant I was given £602 after the interest was taken from each cheque. I have missed the last months payment and I advised I would pay on the 25th and re-commence my monhtly payments. They have now advised a 'default' notice has been issued and to contact them by telephone to discuss in more detail. Can anyone guess that stating 'default' does this mean they
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