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

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

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......

report my bank or pounds2day?

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 applied to.

Just called them and it is pounds2day that used a previous card to debit £5. After speaking to the visa team, they could only advise me to speak to them. I asked how they could use an old card, and they said it was possible if I signed up to this. She couldn't explain how this payment also was accepted when it took the account overdrawn

I only use this account now for direct debits and my wages still get paid into this account (I transfer it first thing in the morning and leave enough in to cover direct debits for the month) but I really don't want to call them.....

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 happened again this week; the operator claimed that they are not harassing and they are well within their rights to stand on the public highway and assess my living standards.

There was a lot of back and forth arguing when he claimed that if I was owed money by a neighbour then I would knock on their door.....When I told him that yes, but MM are governed by the OFT and I was aware that they had several run ins with them he claimed that it was a previous company and not MM.

It finally got to the point when I said that I want to hear that MM will no longer threaten to visit my home and then I would happily enter negotiations he would not and said it was not threatening. I even told him that I had on voice mail that a member of this company had said '...the embarrassment of a home visit...' and he claimed that this wasn't threatening/harassment but they were legally entitled to chase this debt.

I said that in future I will only speak to a manager and I would call on Monday and asked for the name of a manager. He gave me a name and I asked when this manager would be available he didn't know! In the end, he gave me a very broad time, but couldn't guarantee that 'his line manager would be working them hours.....

He called back about 10 mins later and apologised, claimed that if I set up a plan then he could get my account from the home collections team, but if I didn't he couldn't.....

despite my not being able to afford it, I have had to agree a plan, but I refused to give my debit card details and said I would only do a standing order

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?

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 arrears, but I prefer to be armed with knowledge!

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

yes, had 2 texts from them I am curious but not sure about phoning and giving a lot of details

thank you

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?

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?

not a word!

not a word - how about you?

nonymouse - I have also recieved the same email today - have you spoken to them?

Only 1 is (well was!) set up, so do they take it twice in one day then?

yes

I took out a PTP loan, which is due to be repaid on Monday.

 

I have the money in my account for this to be repaid (god knows how!) however i have checked the DD they set up and its a different amount from the loan that is due, infact its only half the amount due.

 

I contacted them on their live help and checked the amount and they amount they stated was due was the full loan amount and thats what goign to be taken so why is the DD for half that amount?

 

I have just cancelled the DD as i don't want them dipping into my account as and when they feel like it, although there is a chance this DD will still go through because it is so close to the date due

 

What should i do?

they take 2 dd's

Hi thanks for your reply! it was a colour portable tv,iron playstation 2,old stereo and speakers.we were homeless at the time and these were the only things we owned! We havnt got much more now!!!

are they allowed to list an iron?

when is it going to be aired?

socks and pants how did sorting yours out go?

 

lloyds have told us the card is totally blocked

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

You cannot stop a bailiff turning up at your door, but you can decline entry and you dont have to talk to them. You have a right to ask them to leave & if they refuse then you can call police reporting a disturbance. Door remains locked shut.

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

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

can someone post a link for a letter template to stop them turing up on my door? thanks in advance

It should be made clear - I have checked the link - this site will require some form of unspecified payment in order to complete a search.

Ok for the wealthy debtors but no use to us poor debtors. Don't want us paupers to get our hopes up...

 

Rae

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 emailed Northampton with the case number to find out who it was for as those details are not available and they replied the next day with full details (overpaid tax credits in my case (!!!!), not the debt that Marston's are trying it on for)