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Everything posted by socks&pants

  1. I have submitted a complaint to my bank on 3 grounds... 1) the passing from different departments without anyone taking responsibility for the actual complaint 2) why a cancelled card was allowed to be used 3) why did they allow it to take me overdrawn on an account which can not have any overdraft
  2. I have been passed from pillar to post! From the call centre to visa card services to fraud team back to visa card services......am awaiting a call back
  3. just found this http://www.fsa.gov.uk/consumerinformation/product_news/banking/know_your_rights/payments and I am currently on the phone to my bank......
  4. I have had several payday loans in the past and have a repayment plan with some whilst others have not been so helpful and therefore no plan is in force as of yet. I have changed my bank cards and everything seemed to be gong fine until yesterday.....between 8 and 10 a 'transfer' was made from the account I used to use which is a basic account and therefore on overdraft facilities and only has a basic debit card attached to it. I called the bank and they admitted it was strange, but I needed to call them today when their systems updated to find out who/what/where etc this transaction appl
  5. Just though I would share my experiences with MM..... I have them contacting me on a very regular basis threatening home visits and if I don't want to be embarrassed then I am to contact them to arrange payment. I sent them the information I learned from this thread and a couple of weeks later the same came through so I would re-send. This has go on for a while now, with every communication I have also said that if they confirm that they acknowledge that they will not continue to threaten home visits then I will enter negotiations. I have just spoken to them as this has hap
  6. I had a hand written note through my door yesterday (so clear that my mother in law saw it when she brought my son home from school) asking me to call a John regarding my park motor finance agreement. this note was written on the back of a financial information form. I am in arrears with Park, but the only letters I have received from them are monthly one stating that they have added a charge onto my account for being in arrears. I am going to call him today and luckily I have some cash available to pay some arrears - but any advise?
  7. Does anyone have any news on them? I am admittedly behind in my payments for my car. i have been receiving a general letter from them every month stating that they have added a charge on my account for being in arrears, but NOTHING else. Today, a hand written note was put through my door asking me to ring Able Investigations and Enforcement about my account with Park Finance (this note was not in an envelope and thus was seen by my Mother in Law who brings my son home from school for me). I am going to ring him tomorrow and luckily I have some cash to be able to pay some of my arrear
  8. I have just received a 'reminder' text from 247 and included in that message was a statement about the fact I have a new debit card! Doesn't this mean that they have tried for payment before it was due? I was going to clear this one this month but this has really annoyed me
  9. yes, had 2 texts from them I am curious but not sure about phoning and giving a lot of details
  10. I have had contact by a company called debt support that is offering a 'way out' of payday loans. anyone heard of them/worthwhile etc?
  11. I have recieved a text from a Karl Barton stating that he has been instructed to visit me and if I do not call and make an appointment then he will arrive unannounced can they do this? or can I state that I do not agree to a home visit?
  12. nonymouse - I have also recieved the same email today - have you spoken to them?
  13. same as you - cancelled direct debits and stopped my card (not in time for Wonga to dip in and take differing amounts) The phone calls started straight away but, they didn't last too long as apart from Wonga passed them onto debt collectors. Of the debt collectors, Clarity (pounds to payday) were very helpful in setting up a plan. McKensie Hall (quick quid) are a pain as they are demanding full payment even though I have explained many times that if I could make full payment then I would have done. I'm sure at some point that they will realise that this is the only way I can pay
  14. they are not acting as bailiffs though only debt collectors as there is no court jugdement and they are just using their normal letter head and making unfounded threats
  15. don't worry about repeating yourself - my thoughts during the loop and finishing it was that I really needed to talk to someone, I found this forum too late for me but unload as much as you need to
  16. can someone post a link for a letter template to stop them turing up on my door? thanks in advance
  17. I did have to pay £16 for a search of high court and another court (can't remember which one) but although I appreciate that cash flow is very difficult, I did make the decision that I would prefer to pay £16 than be out of pocket by nearly £2000. When you complete your details, you have to specify which courts (area e.g. England and Wales and type e.g. high court) you want to search and the more courts you search then higher the charge but it is clear in the bottom right hand side of the screen what the cost would be. the results show what court, case number and date of judgement. I
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