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Everything posted by deedee1310

  1. Wowzer! I can't believe (well I sort of can) that this is still ongoing. What a saga! Hold tight glennyboy. Not got much more to add except to give some support. I'm with Andyorch - ignore them!
  2. Ah yes, I understand now. That's one of the workings that I've done, so I'm on the right track. Thank you for confirming that. It's the restitution argument that I'm trying to get my head around. I'll have a read of Shelley and Martin2006's threads. I read MrZ's thread and thought I'd understood but I'm not so sure now. Too much info in such a short space of time! Thanks again DX
  3. Hi dx! Long time no speak and thanks for dropping by. What's the ppi cm % calc? Also do you think it's worth an SAR as the account is 18 years old now and CitiFinancial are no longer, it's Canada Operations who deal with them now. I'll do it for the hell of it. On a side note, do you think it's worth claiming the penalty charges that they charged for late payments too? Thanks for your time.
  4. Thank you cups and Baz1994. I know that this is an old thread but I wanted to thank you both for your persistence. I've just successfully claimed PPI from Next and it was Phoenix Assurance that I dealt with. I'm just waiting for the payment to come through to my bank account. I was just browsing on the PPI forum to read about other Next successes and came across this thread. My thanks to you both is because I see that it was your persistence that helped establish: 1. Who claimants needed to contact to get redress 2. The PPI reclaims process for Next Of the claims that I have done so far, I found this one to be the easiest. I made my complaint via Resolver about 4 weeks ago, was contacted by Phoenix within 2 weeks and received my offer two days ago. Hope you're both well and got some good use out of your award!
  5. After lots of reading and research, I'm going to attempt to claim the PPI for a loan that I took out with The Associates, before they became a part of CitiFinancial Europe.A I was a student at the time with, two young children aged under 3 at the time. It was the first time I'd borrowed money and I took the loan out to help pay for their nursery fees after a mess-up with my Student finance. So glad those days are behind me now! They have recently paid out PPI for a credit card that I had with them. They stated that they couldn't find any details of the loan but would look at it again, if I sent them documentation relating to my account. I did - I found my credit agreement, a statement of account that showed all the payments that I had made on the account (bar the final one). I also found various letters that showed the Associates account number and the account number when Citi took over. I even have a letter informing me of the "exciting change" of their name change from Associates Capital Corporation to CitiFinancial Europe PLC, on 11 April 2003 Despite all this irrefutable evidence, they will not investigate my complaint any further as they cannot locate my account on their system. As the loan was taken out in 2000, it is out of scope for the FOS. Therefore my intention is to issue a claim through the small claims court. I'm going to need some help with calculations. This is because I have read about 4 different ways of calculating the redress and it's doing my head in! My figures are as follows Loan amount = £1050 Insurance = £400.17 Arrangement fee = 75.00 Interest rate was 3.020% APR 48.8% Any suggestions and/or help with calculations will be appreciated. I've had a stab at it and will post up what I've done shortly. Thanks in advance CAG family!
  6. Thanks Andy. I didn't forget, I just didn't realise that I still could submit one despite not having my request complied with. Can I not explain that to the court?
  7. Four years old but curious to know how you got on. I was in a similar situation last year. We use corporate Barclaycards. I applied and was successful. I think it's due to the company being the main account holder and all other cards issued are additional cards. I was very worried at the time of my application too but it went through fine.
  8. Yikes! I asked for docs under CPR 31.14 but it was ignored and Lowell got default judgement as I didn't put in a defence. I kinda lost track of the claim due to crap stuff happening at the time. I wonder if I might still be able to get a set-aside? I've asked the question on my thread here: What do you think?
  9. Hi all. It's been an absolute age since I last posted a case of my own here! Not sure if I stand a chance but really need some assistance before I make a set-aside application. I probably should have come here first when it was all going on but I had a very ill daughter to care for at the time. Lowell issued a claim allegedly for an old Capital One account in July this year. I did AOS by post and also requested inspection of docs under CPR 31.14. I didn't hear anything from them and wrote to them again reminding them of the request. They finally responded in August after they had obtained judgement in default as I hadn't submitted a defence. They stated that they hadn't received my requests (Edit) but as guesture of goodwill would seek the information from their client. It's since come to my attention that I should have submitted an "embarrassed defence" At the time my daughter was very ill in hospital and I was spending 10 hour days caring for her whilst she was there and then just as long when she was finally allowed home, so this one got away from me. To date they have sent a copy of a credit agreement from Capital One and some statements but they have not sent my the Notice of Assignment or Default Notice that I requested. Should I apply for a set-aside based on the fact that they didn't comply with my request? Any advice would be greatful appreciated. I've erring towards applying for a set-aside but £255 for the application is making my eyes water! Thanks in advance all.
  10. https://www.consumeractiongroup.co.uk/forum/showthread.php?272699-Help-Filed-CPR-31.14-request-no-response-..-now-what-(3-Viewing)-nbsp&p=5157422#post5157422 How did you get on with this? I know it's been 7 years but I am curious!
  11. If done before 3.30pm, a Faster Payment transfer will hit your account on the same day. Not had any problem with my account. You get a sort code and account number (issued by Co-Op bank I believe) and the Mastercard Debit card is issued so you can do card payments and withdraw cash if required. Hope this helps. Dee.
  12. mtm0066 and PJ10, how have you got on with setting up your Cashplus accounts?
  13. Hi MindProject and welcome to CAG! It works no problem with Paypal, as you get given an account number and sort code. The name of the bank is APS Financial Ltd (needed when you link it to Paypal account). Regarding cash deposits, I don't take them. However, you could ask your clients to transfer the money to you (using the account number and sort code given with the account), or if you MUST accept cash, then they will have to deposit via the Post Office or another method see topping up link I am not a sales person for them! I am just sharing my experience of using them, as they saved my bacon when I couldn't initially get a Business Bank Account. May I ask who your personal bank account is with? If it's Lloyds, then you might just be able to get a Sole Trader account (see my experience in 2nd post).
  14. BUMPING to help get your thread noticed.
  15. Glad you found the info! It's not a bad account. Apart from cash withdrawl fees, there aren't fees to use the card or a monthly payment attached. As I said before, I'm definitely still keeping mine. The free purchase insurance on items costing over £100 is worth the £30 a year just for that alone. If I have big purchases to make, I will definitely transfer the money over and use the account. Oh and you can also get free Dollar and Euro cards linked to the account too.
  16. Yes I don't accept cheques. They're a pain. Ironically I used to have a Barclays Business Account for another business and I hated cheques and cash. They cost money to pay in and transact. So it's electronic payments only for me. Can't be doing with it any other way.
  17. Hi Emma. You can use the Cashplus under your trading name or your name, you choose. My card has my name and then the business name underneath. On invoices, the details are made payable to the business name and it the payments reach my account fine with no problems. Regarding banking where you have debt, it's getting harder to escape anyone as the big 4 own most of the "brands" out there. I'd never considered Lloyds before; it was the quest to get another account to put money aside for my tax, that lead me to applying with them in the first place. Apart from the admin issues (re upgrading account), the account has been a real lifesaver and has allowed me to make and receive payments. I've not felt as though I don't have a "proper" account. I download .CSV statement files from the account and upload them to my Accounts package (Clearbooks), so that I can do my book-keeping.
  18. Hi guys, please see my reply to emma1989 on her thread here: http://bit.ly/GBm1wD I hope that my experiences also help you. deedee
  19. Hi guys. Please see info I gave emma1989 on her thread here: http://bit.ly/GBm1wD. I've had a long day, hence why I am directing you there but I hope the info I gave and my experiences, help you. Will check back to see how you get on.
  20. That's a shame. Any Halifax branches? If push comes to shove, try the Cashplus Business Card. It's a prepaid Mastercard which also comes with bank details (sort code and account number). You can make payments from the account and receive them. This is what I initially set up after the Barclays rejection. It costs £29.99 per year for a card. To get the Total Access (so you can receive payments by bank transfer etc) - you will need to send a certified copy of your passport, driving licence and/or current bank statement. The certification can be done in the Post Office using the Identity Document Checking Service. I am telling you all of this because I had slight issues getting my account upgraded because the website gives out the wrong info (long story; I've had a go at them for it) so I am trying to make sure your application is as smooth as possible. When you make your application choose the "Pay Later" option or you can pay the £29.99 with a debit card if you want. Get your docs certified at the Post Office and then fax it with your application reference number on the covering sheet to 020 7929 3245. It has worked really well for me, in fact I have an account for each of my businesses. I've been using my Cashplus account quite happily for nearly 4 months. I can make payments from the account, set up direct debits, standing orders and much more. As I said before, I wasn't expecting to get a business bank account for at least another 3 years until last week. I am still keeping my Cashplus accounts, as they're linked to my Paypal accounts. The Mastercard debit card gives you FREE purchase protection on purchases over £100 (just like a credit card). There is a downside - withdrawing cash costs £0.99 but I don't draw out much cash and when I do, I make sure that I don't need to do it more than once a week. Let me know how you get on.
  21. I'm not sure but do check here: http://www.lloydstsb.com/branch_locator/search.asp?WT.ac=HPhaBranch to find your nearest branch. Honestly, I'm still in shock. I'd have not bothered with Barclays, if I had known sooner.
  22. I thought I had pretty shocking credit but I have recently been accepted for 2 Sole Trader accounts with Lloyds TSB. The below will tell you what led to this in the first place. I initially completed an online application for their personal basic cash account. This gives you a Visa Debit card, no overdraft facilities. However, you could only withdraw cash at a Lloyds ATM not any others. When I received the paperwork I went to the branch to show my id and complete the application process. I also pointed out to them that my surname had been spelt incorrectly. The personal account manager in branch, encouraged me to reapply instead for a Classic Current Account. I told him that I'd had credit problems in the past and didn't think I'd be offered one, hence why I'd applied for the basic account. He said if I passed for that account, I would be able to apply for a Sole Trader Account without additional credit checks. Well imagine my surprise when I DID pass the credit check and was offered the Classic Current Account. I got a full Visa Debit card with no overdraft (didn't want one) and was able to get a Sole Trader Account for each of my businesses. I got a Visa debit card and cheque book, no overdraft. I am telling you this because only in January I'd applied for a Sole Trader account with Barclays and they turned me down. So it's worth a shot. I've never banked with Lloyds directly before, but I do have a Bank of Scotland Current Account and a couple of Halifax Easycash accounts. Lloyds now own Bank of Scotland, so I don't know if this helped. I am surprised though as my actual Halifax Current defaulted a couple of years back but it was in dispute due to bank charges. Let us know how you get on. deedee
  23. Did her employers consult with her before making the redundancy? Did they try to re-deploy her or find her another position? How long has she been employed by them? She should try and speak to an Employment Lawyer or seek advice at your nearest CLA centre (Community Legal Advice) http://bit.ly/lrl2OK I was made redundant 2 1/2 years ago and my employers didn't follow proceedure, so I had automatic grounds for unfair dismissal. I had to sign a Compromise Agreement but only after it had been checked by a Solicitor. They paid £500 towards the Solicitor's fee, which sounds like a lot but it isn't when a junior associate's rate is about £170 an hour. Wishing her all the best and I hope she get's a speedy resolution.
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