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puff frog

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  1. is was done by her on-line with internet banking when she was living with us
  2. Hi all help over fraud with TSB and other stuff Got a problem and here goes (maybe some can give me some good advice) All started about 6months ago, what happened was we had my mother in-law live with us, as she had just left her partner. Well after a few months we found out she was lying to me and my wife, and had stole money form us (only £40 from house) And had been planning to get back to her ex partner. So she had just used us for all that time, (many other things happened) so in the end my wife kicked her out of home. Only problem is she is mad (does have mental problems) and is now making all sorts of story's up, and lying to even more to people including the police now In the end she has tried to have me and my wife arrested for theft by telling the police that the furniture she had stored in the garage when she left her partner while living with us, yet she was saying we had took and these items she had no knowledge, lol good news is the police say we have nothing to worry about, as this is a civil matter, and they know they have lied, due to having different statements, and she has already lied on one statement. then she said to the police that I assaulted her partner, as he came to my home to attacked me, and I used reasonable force to stop him. police say i have nothing to answer to, as i used reasonable force, and she has already made 2 different statements, which shows she has been lying. so thats good news, as they have busted her. Also her partners statement is different to her statement. and the next thing is she paid us back money only about £3000 with bank transfer through TSB as we both bank with TSB. the money was for rent since she lived with us (5 months worth) money we had lent her (cash) and for items i had brought for her with my credit card, as she did not have one, and did not like using the internet to buy items. after she had paid this, she then set up a standing order to pay us £100 a week rent and for food, this was for only a month. but now she has told the police that she had no knolwge, and I did this all, and she did not pay us ,and did not set up the mandate,so she is claiming its fraud. the police have told her to report to bank, and let them interstage only question is , what will happen ? what can i do ? can people make these lies up and would banks believe her ? what steps should i take ? as i can not prove that i lent her money, etc etc but the money was paid to us some 6 weeks before we kicked her out, and the mandate of £100 was in force 5 weeks before we kicked her out. she has only done this to try and cause us upset what can the police do about her lying on statements ? and what can i do about the stress over the lies ? also can the bank freeze my account , and take the money out ? any help would be great thx
  3. Hi all help over fraud with TSB and other stuff Got a problem and here goes (maybe some can give me some good advice) All started about 6months ago, what happened was we had my mother in-law live with us, as she had just left her partner. Well after a few months we found out she was lying to me and my wife, and had stole money form us (only £40 from house) And had been planning to get back to her ex partner. So she had just used us for all that time, (many other things happened) so in the end my wife kicked her out of home. Only problem is she is mad (does have mental problems) and is now making all sorts of story's up, and lying to even more to people including the police now In the end she has tried to have me and my wife arrested for theft by telling the police that the furniture she had stored in the garage when she left her partner while living with us, yet she was saying we had took and these items she had no knowledge, lol good news is the police say we have nothing to worry about, as this is a civil matter, and they know they have lied, due to having different statements, and she has already lied on one statement. then she said to the police that I assaulted her partner, as he came to my home to attacked me, and I used reasonable force to stop him. police say i have nothing to answer to, as i used reasonable force, and she has already made 2 different statements, which shows she has been lying. so thats good news, as they have busted her. Also her partners statement is different to her statement. and the next thing is she paid us back money only about £3000 with bank transfer through TSB as we both bank with TSB. the money was for rent since she lived with us (5 months worth) money we had lent her (cash) and for items i had brought for her with my credit card, as she did not have one, and did not like using the internet to buy items. after she had paid this, she then set up a standing order to pay us £100 a week rent and for food, this was for only a month. but now she has told the police that she had no knolwge, and I did this all, and she did not pay us ,and did not set up the mandate,so she is claiming its fraud. the police have told her to report to bank, and let them interstage only question is , what will happen ? what can i do ? can people make these lies up and would banks believe her ? what steps should i take ? as i can not prove that i lent her money, etc etc but the money was paid to us some 6 weeks before we kicked her out, and the mandate of £100 was in force 5 weeks before we kicked her out. she has only done this to try and cause us upset what can the police do about her lying on statements ? and what can i do about the stress over the lies ? also can the bank freeze my account , and take the money out ? any help would be great thx
  4. Hi all help over fraud with TSB and other stuff Got a problem and here goes (maybe some can give me some good advice) All started about 6months ago, what happened was we had my mother in-law live with us, as she had just left her partner. Well after a few months we found out she was lying to me and my wife, and had stole money form us (only £40 from house) And had been planning to get back to her ex partner. So she had just used us for all that time, (many other things happened) so in the end my wife kicked her out of home. Only problem is she is mad (does have mental problems) and is now making all sorts of story's up, and lying to even more to people including the police now In the end she has tried to have me and my wife arrested for theft by telling the police that the furniture she had stored in the garage when she left her partner while living with us, yet she was saying we had took and these items she had no knowledge, lol good news is the police say we have nothing to worry about, as this is a civil matter, and they know they have lied, due to having different statements, and she has already lied on one statement. then she said to the police that I assaulted her partner, as he came to my home to attacked me, and I used reasonable force to stop him. police say i have nothing to answer to, as i used reasonable force, and she has already made 2 different statements, which shows she has been lying. so thats good news, as they have busted her. Also her partners statement is different to her statement. and the next thing is she paid us back money only about £3000 with bank transfer through TSB as we both bank with TSB. the money was for rent since she lived with us (5 months worth) money we had lent her (cash) and for items i had brought for her with my credit card, as she did not have one, and did not like using the internet to buy items. after she had paid this, she then set up a standing order to pay us £100 a week rent and for food, this was for only a month. but now she has told the police that she had no knolwge, and I did this all, and she did not pay us ,and did not set up the mandate,so she is claiming its fraud. the police have told her to report to bank, and let them interstage only question is , what will happen ? what can i do ? can people make these lies up and would banks believe her ? what steps should i take ? as i can not prove that i lent her money, etc etc but the money was paid to us some 6 weeks before we kicked her out, and the mandate of £100 was in force 5 weeks before we kicked her out. she has only done this to try and cause us upset what can the police do about her lying on statements ? and what can i do about the stress over the lies ? also can the bank freeze my account , and take the money out ? any help would be great thx
  5. how would be the best way to word the letter ?
  6. can i not just send a letter to them asking them for my accoutn number nad sort code, ? my address is still the same now as it was when i opded the account. just i dont want to pay the £10
  7. but the problem is, I only can remember the name of the credit company, cant find the account numbers, etc etc
  8. BUt i don't have any recorded of account numbers, sort codes, etc etc for the accounts i have defaulted on. I do have my credit files, but they don't give account number information, etc etc what would be the best way in a letter format to get the information i need from the credit companies. Any template letters out there ? thx
  9. Hi all... some quick advice please.. any help would be super.. ok lets start. I have old debts form years ago, but i am going down the CCA Request, etc etc to try and get them taken off. BUt i don't have any recorded of account numbers, sort codes, etc etc for the accounts i have defaulted on. I do have my credit files, but they don't give account number information, etc etc what would be the best way in a letter format to get the information i need from the credit companies. Any template letters out there ? thx
  10. Hi all... some quick advice please.. any help would be super.. ok lets start. I have old debts form years ago, but i am going down the CCA Request, etc etc to try and get them taken off. BUt i don't have any recorded of account numbers, sort codes, etc etc for the accounts i have defaulted on. I do have my credit files, but they don't give account number information, etc etc what would be the best way in a letter format to get the information i need from the credit companies. Any template letters out there ? thx
  11. maybe 1 or 2, but most i think are just under 6 years old
  12. don't want to try and get any money back, just want to try and get out of the debt- well do my best to so will this letter be ok for a 1st thing ? I do not acknowledge any debt to your company. I require you to supply the following documentation before I will communicate further on this matter. Dear Re: − Account/Reference Number - 1. You must supply me with a true and signed copy of the alleged agreement you refer to. This is my right under your obligation to supply a copy of the agreement under the legislation contained within s.78 (1) Consumer Credit Act 1974 (s.77 (1) for rolling sum credit) - your obligation also extends to providing a statement of account. I enclose a £1 Postal order (Reference ) in payment of the statutory fee. 2. If this debt has been sold (e.g. to a debt collection agency), please supply me with a signed true copy of the deed of assignment of the above referenced agreement that you allege exists. 3. You are notified that you are obliged to supply these documents, whether you are the original creditor or not under S189 of the CCA 1974. 4. Non-compliance with my request is a criminal offence under the above Act and will result in a report being submitted to the relevant statutory authorities. 5. As you are aware, a credit agreement that is not properly documented and signed by the customer is totally unenforceable under the CCA and therefore is a complete defence to any court claim that is issued. 6. Furthermore you are reminded that under s78 sub section (6) whilst the default continues you are not entitled to enforce the agreement in law. 7. We understand a copy of our credit agreement should be supplied within 12 working days. We look forward to hearing from you. Yours faithfully
  13. hi, was in the army hence why i was in germany, my address i kept the same over many years, as it is my mothers address, and i am back here now. but say for example, NatWest - had letters from a collection company but put in bin, years ago. And been so long now i can t remember the account number, but i do want to get all things sorted, even if it has been years. do i do the CCA request to the original company or the collection company ? below is a copy of a letter i have completed for CCA any good ? I do not acknowledge any debt to your company. I require you to supply the following documentation before I will communicate further on this matter. Dear Re: − Account/Reference Number - 1. You must supply me with a true and signed copy of the alleged agreement you refer to. This is my right under your obligation to supply a copy of the agreement under the legislation contained within s.78 (1) Consumer Credit Act 1974 (s.77 (1) for rolling sum credit) - your obligation also extends to providing a statement of account. I enclose a £1 Postal order (Reference ) in payment of the statutory fee. 2. If this debt has been sold (e.g. to a debt collection agency), please supply me with a signed true copy of the deed of assignment of the above referenced agreement that you allege exists. 3. You are notified that you are obliged to supply these documents, whether you are the original creditor or not under S189 of the CCA 1974. 4. Non-compliance with my request is a criminal offence under the above Act and will result in a report being submitted to the relevant statutory authorities. 5. As you are aware, a credit agreement that is not properly documented and signed by the customer is totally unenforceable under the CCA and therefore is a complete defence to any court claim that is issued. 6. Furthermore you are reminded that under s78 sub section (6) whilst the default continues you are not entitled to enforce the agreement in law. 7. We understand a copy of our credit agreement should be supplied within 12 working days. We look forward to hearing from you. Yours faithfully
  14. hi, so ok i do a CCA request 1st but who with ? the original company .... or the credit collection comapny they sold it to ? also i don't have account number info, etc etc, but my current address is the same as it was when i have the credit.
  15. Want to sort my debts out - Many years ago, i had lots of credit, ran up big bills, then moved to germany for a few years. Now i am back here, i want to sort these out. Problem is i am not sure what the best cause of action, i want to do it by the book, with SAR, CCA request, etc etc but not sure what order to do these in. thankyou
  16. PROBLEMS WITH WELCOME FINANCE - ANY ADVICE PLEASE ? ok.... Got a car from welcome finance a few years ago, no longer wanted to keep paying for the car. So i sent the keys and all paper work for the car to my local welcome finance office, this was sent special delivery. Also with this a letter informing welcome that I wanted to end the agreement, and they can have the car back. I also told them the location of the car. 2 weeks later the car had not been picked up, and i had no confirmation back, so i sent a 2nd letter and a copy of the 1st one. a week letter i got a letter from the Voluntary termination department for welcome finance, asking for me to contact them. I did this ASAP, and confirmed the information, and the address were they can pick the car up from, i also pointed out to them that the tax and MOT had now run out, and i now i was not insured for the car. IT had been 3 weeks since i sent keys etc etc back. The department said that they would sort it out... But .... Then a week later i get a 2nd letter from welcome VT departnmetn saying that they still need to collect hte car ? - so i phone dhtem up once more. to my shock I was told that i was still the owner of the car, and welcome would not take the car back, as i had not given it to them. And the car was my responsibility for the MOT and TAX, etc etc I did try and explain to them that i have sent letters, and keys, etc etc to welcome about my car. But it was no good. So i phoned my local welcome office, (were the documents and keys had been sent ) and they confirmed that they informed VT department to collect the car, but the car keys were still at the local office, and the account had now been given to the Vt department, so they could no longer help me. What can i do ? - VT department don't want car local welcome office cant help me. car is worth well over £6000 still, and i am total unsure what to do ? I have sent a letter to welcome VT department today - Welcome Finance Voluntary Terminations Mere Way Ruddington Fields Business Park Ruddington Nottingham NG11 6NZ Reference: Agreement Number - ============ Dear Welcome Finance Voluntary Terminations Department After my telephone call today, this letter is to confirm the following- THE CAR IS AT THIS LOCATION +++++++++++ Every single Document & keys relating to the car were sent to welcome finance, Boston, Lincolnshire over 4 weeks ago! The Reasonability is now on you! to collect YOUR car. Yours faithfully
  17. PROBLEMS WITH WELCOME FINANCE - ANY ADVICE PLEASE ? ok.... Got a car from welcome finance a few years ago, no longer wanted to keep paying for the car. So i sent the keys and all paper work for the car to my local welcome finance office, this was sent special delivery. Also with this a letter informing welcome that I wanted to end the agreement, and they can have the car back. I also told them the location of the car. 2 weeks later the car had not been picked up, and i had no confirmation back, so i sent a 2nd letter and a copy of the 1st one. a week letter i got a letter from the Voluntary termination department for welcome finance, asking for me to contact them. I did this ASAP, and confirmed the information, and the address were they can pick the car up from, i also pointed out to them that the tax and MOT had now run out, and i now i was not insured for the car. IT had been 3 weeks since i sent keys etc etc back. The department said that they would sort it out... But .... Then a week later i get a 2nd letter from welcome VT departnmetn saying that they still need to collect hte car ? - so i phone dhtem up once more. to my shock I was told that i was still the owner of the car, and welcome would not take the car back, as i had not given it to them. And the car was my responsibility for the MOT and TAX, etc etc I did try and explain to them that i have sent letters, and keys, etc etc to welcome about my car. But it was no good. So i phoned my local welcome office, (were the documents and keys had been sent ) and they confirmed that they informed VT department to collect the car, but the car keys were still at the local office, and the account had now been given to the Vt department, so they could no longer help me. What can i do ? - VT department don't want car local welcome office cant help me. car is worth well over £6000 still, and i am total unsure what to do ? I have sent a letter to welcome VT department today - Welcome Finance Voluntary Terminations Mere Way Ruddington Fields Business Park Ruddington Nottingham NG11 6NZ Reference: Agreement Number - ============ Dear Welcome Finance Voluntary Terminations Department After my telephone call today, this letter is to confirm the following- THE CAR IS AT THIS LOCATION +++++++++++ Every single Document & keys relating to the car were sent to welcome finance, Boston, Lincolnshire over 4 weeks ago! The Reasonability is now on you! to collect YOUR car. Yours faithfully
  18. hi same name, but the person with AIC as a middle name, and i dont. surname is not like a "smith" who would be the one to take the information off ? my call credit or AIC ?
  19. thx for advice, so what should i do step by step ?
  20. Hi all need some help if you can.... The other day i was looking at my "call credit" file on-line, when I found something which should not be on my file. Allied International Credit has put a default on my credit file, for a account i have never have. The name is the same as me, but the address is different. also 2 new linked address have come on one from Allied International Credit and one from NatWest bank, both are linked. the default is for £3443 and by the looks of it was a few years ago. question is , what can i do ? i have sent a e-mail to my call credit telling them that's is not my account, and if they can please take it off ? - don't think that will work. come to think of it, id id receive a post card from a company called Allied International Credit, but i just put in bin, as was thinking it was just junk mail. can they do this to me, my credit file was super, never ever missed a payment in my life of having credit, and now this, my score is now only 150, when 4 months a go was 1000 plus. also i have looked on the other 2 main credit file company's, and they are both fine so far. Do you think Allied International Credit will also pout the same rubbish information on that file ? and tips or advice would be great ? thx marc below info on file... Financial Accounts Name Mr ********** Date Of Birth ********** Present Address ****** Company Name Allied International Credit Account Type Bank Account Number ************0153 Account Holder Status Normal Account Status Default Period Last Updated To 15/05/2008 Most Recent Account Status Code DF - Default Current Balance £3443 Credit Limit £0 Opening Balance £3443 Payment Start Date 28/03/2005 Account Start Date Not recorded Payment Frequency Monthly Balloon/Deferred Payment £0 Original Default Balance £3443 Worst Status Last 12 months Default Linked Addresses Name Mr *********** Linked Address ************ Link Source (1) Nat West Bank Created: 05/11/2005 Confirmed: 05/11/2005 Link Source (2) Allied International Credit Created: 15/05/2008 Confirmed: 15/05/2008 Name Mr ************** Linked Address ********************* Link Source (1) Nat West Bank Created: 05/11/2005 Confirmed: 05/11/2005
  21. Hi all need some help if you can.... The other day i was looking at my "call credit" file on-line, when I found something which should not be on my file. Allied International Credit has put a default on my credit file, for a account i have never have. The name is the same as me, but the address is different. also 2 new linked address have come on one from Allied International Credit and one from NatWest bank, both are linked. the default is for £3443 and by the looks of it was a few years ago. question is , what can i do ? i have sent a e-mail to my call credit telling them that's is not my account, and if they can please take it off ? - don't think that will work. come to think of it, id id receive a post card from a company called Allied International Credit, but i just put in bin, as was thinking it was just junk mail. can they do this to me, my credit file was super, never ever missed a payment in my life of having credit, and now this, my score is now only 150, when 4 months a go was 1000 plus. also i have looked on the other 2 main credit file company's, and they are both fine so far. Do you think Allied International Credit will also pout the same rubbish information on that file ? and tips or advice would be great ? thx marc below info on file... Financial Accounts Name Mr ********** Date Of Birth ********** Present Address ****** Company Name Allied International Credit Account Type Bank Account Number ************0153 Account Holder Status Normal Account Status Default Period Last Updated To 15/05/2008 Most Recent Account Status Code DF - Default Current Balance £3443 Credit Limit £0 Opening Balance £3443 Payment Start Date 28/03/2005 Account Start Date Not recorded Payment Frequency Monthly Balloon/Deferred Payment £0 Original Default Balance £3443 Worst Status Last 12 months Default Linked Addresses Name Mr *********** Linked Address ************ Link Source (1) Nat West Bank Created: 05/11/2005 Confirmed: 05/11/2005 Link Source (2) Allied International Credit Created: 15/05/2008 Confirmed: 15/05/2008 Name Mr ************** Linked Address ********************* Link Source (1) Nat West Bank Created: 05/11/2005 Confirmed: 05/11/2005
  22. Hi all need some help if you can.... The other day i was looking at my "call credit" file on-line, when I found something which should not be on my file. Allied International Credit has put a default on my credit file, for a account i have never have. The name is the same as me, but the address is different. also 2 new linked address have come on one from Allied International Credit and one from NatWest bank, both are linked. the default is for £3443 and by the looks of it was a few years ago. question is , what can i do ? i have sent a e-mail to my call credit telling them that's is not my account, and if they can please take it off ? - don't think that will work. come to think of it, id id receive a post card from a company called Allied International Credit, but i just put in bin, as was thinking it was just junk mail. can they do this to me, my credit file was super, never ever missed a payment in my life of having credit, and now this, my score is now only 150, when 4 months a go was 1000 plus. also i have looked on the other 2 main credit file company's, and they are both fine so far. Do you think Allied International Credit will also pout the same rubbish information on that file ? and tips or advice would be great ? thx marc below info on file... Financial Accounts Name Mr ********** Date Of Birth ********** Present Address ****** Company Name Allied International Credit Account Type Bank Account Number ************0153 Account Holder Status Normal Account Status Default Period Last Updated To 15/05/2008 Most Recent Account Status Code DF - Default Current Balance £3443 Credit Limit £0 Opening Balance £3443 Payment Start Date 28/03/2005 Account Start Date Not recorded Payment Frequency Monthly Balloon/Deferred Payment £0 Original Default Balance £3443 Worst Status Last 12 months Default Linked Addresses Name Mr *********** Linked Address ************ Link Source (1) Nat West Bank Created: 05/11/2005 Confirmed: 05/11/2005 Link Source (2) Allied International Credit Created: 15/05/2008 Confirmed: 15/05/2008 Name Mr ************** Linked Address ********************* Link Source (1) Nat West Bank Created: 05/11/2005 Confirmed: 05/11/2005
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