Jump to content


Registered Users

Change your profile picture
  • Posts

  • Joined

  • Last visited

Everything posted by DJGobby

  1. Bump. Anyone? I have a feeling they have sold the debt to a DCA but surely they need to inform me of this?
  2. I believe that this is something you can do, I am sure the laws relate to debts before April 2007 so anything after this would be a problem, Best wait for someone with more knowledge though.
  3. Hi all, In August 09, I applied for a Debt Relief Order, I was advised by CCCS at the time not to include my HSBC account (for which I had a overdraft) as it was my main account. Also I had an outstanding bank charges case with HSBC for more then the outstanding balance anyways. Anyways, after months and months of argueing, the bank has "won". I claimed financial differculties due to my DRO. I no longer bank with HSBC so no payments have gone in for several months. I tried to log onto my HSBC account online last week and there was an error. I thought this is weird but sometimes they are updating the system. I receieved a letter on Saturday which says "Following a receipt of a DRO, your accounts with HSBC have been frozen and will be subsquently closed. We are obliged to serve demand for the immediate repayment of the above amount. This is the amount you owe the bank including interest and charges owing today" - Next paragraph says "No further action is required by you in relation to this demand" It then states information about defaulting and to return cards and any unused cheques. My question is, Is ths debt written off or are they expecting a re-payment. I am only assuming but I think its written off, and they are only legally obiged to demand full repayment. I think it would be very unfair to expect me to repay in full immediatly seeing as I have less then £50 a month to spare.
  4. Hi camuser, Having dealt with Wonga by email. I can assure you they will not reply, they will ask you to ring them. Do not ring, they will try and pressure you into paying, Do not ever pay more then you can afford. Do not give card details because they will try to take larger amounts of money from you. I contacted my local trading standards and got the interest put on hold. I went through a Debt Relief Order in order to get my debts under control.
  5. Yes this is the first time he has done it, totally lost track of time and how long he had paid for. He thought it was £50 to pay, did'nt read the ticket correct so he going to go and pay tomorrow and learn his lesson.
  6. I've attached the ticket, I assume its a perfectly legal one so therefore my grandad should just pay up. He wondered if he could get away with it by saying he had a bad turn or fell over.
  7. Hi all, My grandad has today recieved a ECN for £75 (25 off if paid within 7 days). He paid for 1 hour (50p) and stayed for an hour and 3/4's. The notice states the date of issue and time however I read this thread http://www.consumeractiongroup.co.uk/forum/parking-traffic-offences/5232-your-parking-ticket-may.html and it says "2. The ticket must not refer to an "offence", the correct term is "contravention" does this apply to ECN? What grounds do I have for appeal, my grandad simply lost track of time.
  8. Hi there, I went into DFS on Saturday and my partner applied for credit for a Sofa, total price was £900 with a sofa/a footstool and stain cover. I have just gone through a Debt Relief Order so I am unable to obtain credit hence my partner applying. We applied for payments to start in April 2010 when money our end is freed up. The finance was refused. The order has already been sent to the supplier. They called us to check the details, several details were wrong i.e time with bank and time at address. We have tried again and still rejected. The guy at DFS suggested trying in my name, I explained I could'nt due to my DRO, he said we try other people as parents taking on these deals is common. I refuse to get my parents to enter into a credit agreement for my sake. If my partner cannot get finance, I do not wish to proceed with the sale. What can I say to DFS? They said if its still rejected, they will have to put the order on hold with the supplier (thats fine as it will buy me some time). I am due a lump sum of £500 soon. On our sales contract, there is nothing to say about if finance is refused, we have to pay for the sofa and there is nothing to say about cancelling/exiting the deal. However there our a few details wrong i.e my partners name spelt wrong Rachael instead of Rachel and our postcode is IP and he has put LP (looks like an L). Does this void the contract even though we signed without checking beforehand. We were forced into the Stain Cover, not even offered the chance to decline, forced and added on. Please help
  9. Thanks Slick, I did want to write a letter to complain about wasted time/staff and also to ask about why I can't have this however I wanted to see if it was a common thing when people go bankrupt. I will do a letter and send this off.
  10. As I can see, no-one has accually read this. This is a question, its not a case of if they allow it. This is a individual circumstance. They usually allow access to internet banking HOWEVER as I have a account going through a bankrupcty, They have refused internet banking, I need to manage my account and internet banking is my way of doing it.
  11. As some of you may know, I recently got my debt relief order. One of the accounts on this order is a Barclays account, a loan and a current account. I had transferred to HSBC when things with Barclays got too hot to try help negoiate my debt at the time. I got my DRO and set up a cash account with Barclays, This was set up fine and no problem. I tried to set up my internet banking a few weeks account and it kept failing, I thought maybe there is a problem with the site etc. I tried again today and it failed. I thought well I will call the internet banking help desk and ask. I got through and explained, I mentioned error code 81 and he put the phone down on me, I called again, a new person, I mentioned 81, he asked my name and put the phone down. I thought this was very strange, I got through again and explained I had been hung up on 2 times and he said he'd be glad to help. He said I already had a membership number however I needed to go to branch, he gave me a ref number and said go in and ask them to ring us with this reference number and we can sort it. As I am off work at the moment on a two week holiday, I though great I can go down this afternoon. I went to branch and the lady had no idea why they had given me a ref or why she needed to ring. She phoned and from what I guessed, they said I can't have internet banking due to my previous account. She asked if they could offer internet banking in the future and I assume the bloke said in the future but not now. The lady got off the phone and explained they could not offer internet banking because of the mark on my previous account and that they could offer it in the future, could not tell me when though. I was fuming, I had travelled all the way into town to be embrassed into them saying no and that they could'nt do it. Why could the bloke on the phone earlier tell me this, I wasted £4 in parking and £5 in petrol to go to the branch. Surely as I am on a cash account, Internet banking is more essential, it makes it easier for me to manage my account and check it on a daily basis. I informed her it was going to be hard as I liked to keep an eye and send payments via the internet banking system, she said there is nothing she can do. Is it worth writing a letter to make a complaint or should I just wait a few months and try again?
  12. Hi all, Not too sure where this one belongs. I currently have two contract phones, one is mine, the others is my partnets in my name. I went onto a Debt Relief Order in August. My contract ends in November. I require a phone for work purposes and to contact family. PAYG is not good enough for the job. I have a budget for £70 for my phone for this reason. My question is, if I have gone onto a DRO, Can i still be able to obtain a new contract or will both have to go into my partners name?
  13. As the above have said. Contact Trading Standards, Paypal broke the law by not checking you were over 18, Not sure of the implications for you setting the account up being under 18. Anyways, contact your local TS or Consumer Direct and see how it goes. I had a debt of £375 to Paypal after a gambling problem and Paypal got the money back on my mums card!
  14. Keep an eye on your bank, make sure no DD's go through and keep an eye. Looks like its going to be a while before they take action, might give you a chance to save some cash and do a full and final settlement for less then the loan maybe. I had a loan for £200 and got offered to pay it back at 175, I refused as did'nt have the money.
  15. Are you able to afford those direct debits, if not, Ask your bank for them back, say the account is in dispute or you paid them by card so you've double paid. Now that Uncle Buck has sold it to a DCA, you might find it easier to set up a payment plan. Ride it out, see what you get from this DCA and see if you can offer them what you can afford. Not too sure who Uncle Buck uses but if its anything like Wonga, it will be an in-house DCA so won't be able to negotiate but just wait and see what happens.
  16. Thats quite a good idea however the OP has closed her DMP down so she can't amend it. They would need to go it alone or set it up again and that can sometimes take a while, on top of the hassel of it.
  17. Thank you. We could use knowledge like yours. I found that Wonga used my card numberous times and Barclays charged me £8 for each try. No money in account so could'nt take it but Barclays had champagne at their X-mas party because of me.
  18. Mmm thats very strange. If the statements say you have a balance, I'd go by that. Or try ringing them and see what they say, maybe they sent the entry to the credit agency wrong.
  19. Whilst weird, its not unusual. How long have you had the card? I had a Cap1 card and it took several months before it changed on my report. Make sure you pay as long as you can afford it. If you don't, you will get a default notice etc.
  20. Thats prob the best advice. When I was on a DMP, I had to close mine due to lack of money to give to CCCS, Aqua Credit Card sent me letters saying please pay £xxx which was the amount agreed with CCCS.
  21. Interesting post, I have just gone onto a DRO, simular to BR for people with debts under 15k. I am going through the monotory period so awaiting a discharge, sometime next year. Are they still able to send me statements/letters during this time?
  22. Phone your bank, tell them to recall the transaction as the account is in dispute. Don't give any other details, they have to refund you. Also report the card as lost so they can't take any payments again. Phone Cash genie and ask for bank details and set up a standing order for £20 a month, that way, its under your control.
  23. Can't say I'd click on any links like that anyways. Not the best place to advertise loans etc as we all want advice/revenge against brokers/collectors/loan companies. Does anyone know if there is any sort of campaign against this type of loan?
  24. Well said. I would love to see a payday company explain their interest rates and their penalty charges. I begged Wonga to take me to court but they would'nt, just sent me letters at £50 a piece.
  25. What a lovely comment, Thanks for that, So helpful. We all reliease they are rip off's, we know we should avoid them like the plague now, people make mistakes, at the time, we needed the money and we had the means to pay it back but things change. Alright I have ended up bankrupt but not because of payday loans, not solely anyways.
  • Create New...