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Everything posted by mjc007.5

  1. I have recieved nothing further from these people following my email challenging the validity of the agreement between us earlier in this thread (continue to remain committed to repayment of principle loan but on terms I can afford) apart from a standard extension of loan email. On checking the OFT site their new liscence application is marked as pending and I see their website is back up. Are they allowed to trade with a pending liscense? Many thanks
  2. Share ODCs question? Did they pay?? Seriously though your version of the telephone letter is excellent, getting loads of phone harrasment and will be firing this off in several directions by post and email today!
  3. Good morning DG, Unfortunately very similar position to yourself, had my light bulb moment and trying to sort it out but very stressful. I have not heard of the company behind your new DD but generally I would think if you do not recognise it then it is unlikely to be an essential bill so cancel it. If it transpires it was one you should have/wanted to pay they will be in touch and you can make alternate arrangements (this happened to me once a few years back when an insurance company changed ownership and I had not been advised). I am sadly about to part company with my exis
  4. Folks may already know this (and if so apologies!) but update that may be useful on the card front - First Direct insist that the only way cancelling a card will remove the "continuous authority" that most of the pay day lending companies set up when they have your card details is if the card is reported as lost or stolen. Changing the card because it is damaged does not do this (I wish I had known) and they have to take the payment against your authority before the bank intervene. Will not be relevant now for me as moving to basic bank account at the end of the month, However for others it wo
  5. Update - First Direct's response to my challenging them over inproper use of the card/access to the account: "all card payments are a guaranteed method of payment and replacing the card does not remove that guarantee. This means that First Direct cannot block Maestro debits. Any further debits can be disputed if the retailer has been asked to cancel the agreement or treated as fraud if you have not authorised them" What an earth is going on here? This effectively means that despite my advising them that they should not allow a company to use card details that are a from a cancelled
  6. Hiya - fairly new agreement (under 2 years) and so from what I read on here more likely to be enforceable. However, with what has gone on in the banking sector and the tales I have read since arriving at CAG feel worth a go at asking for the agreement at least. Will save the SAR for down the line! Many thanks :grin:
  7. Agreement was signed after 23/01/09 so think I will follow your advice and fire off a second email to them along the lines of yours. The card/bank issue is a bit sad really - have been with First Direct for around 12 years and they have generally been very good indeed. More recent times have been pretty militant and the intial response to my complaint to them was the same as yours with a tag line to the effect of "if you will deal with these firms what do you expect..." and generally patronising statments from someone who sounded about 12 about being more financially responsible! This i
  8. Spam and fox thank you very much indeed - This site has already started to show me the way and it is very reassuring to know there are many people out there in the same boat. The really frustrating thing is that in trying to do the right thing I end up feeling worse that if I just disappear and loose contact with the lot of them!! Spam - initially intent was to freeze charges, make mininum payment and then review 6 months (this is what I asked for with no reply). I guess as they and others (Barclaycard, Citi and various payday loans) escalate their harrasment I am becoming more inclined
  9. Newbie just starting to sort out my own personal debt mess! I have recieved correspondence from the "retail bank collections" department of the above (PO box 718 in Leeds!) ( to date I have offered token payment, no reply, requested do not phone, continued to call despite my refusing to give security details and now robot calls! , standard threat letters saying pay now, charges being added etc) which states: "IMPORTANT NOTICE" Our representative will be calling your home on:23rd June 2009 PLEASE TELEPHONE 08452000580 IF THIS IS NOT CONVENIENT! Now before I found
  10. Excellent and well done Duncan. I have only so far paid back around half of what I originally borrowed on a role over basis. Not sure I can go the full and final route but in light of your result what do you think to trying say £50 a month for three months? (this would total the original principle loan) - along the lines of knowing the agreement is worthless but being an honourable type etc wanting to pay back what I have borrowed?? In the meantime where do I go with fradulent testing of the old debit card? There will not be any money in there on due date (I will be starting my first mon
  11. Hiya - no expert but matching personal experience, downward spiral using one to pay back another, about to default (end of this month). Moving to parachute account to enable complete control (not sure where will be with the cheque related accounts). I have had the lightbulb moment and will pay them all back but need to control how I do this and keep a roof over the families head! The direct debit advice from Diamond girl matches my experience - I have claimed one of these back from the bank. The debit card issue is a problem (see EPDL thread) but in theory once the card is cancelled they canno
  12. Good morning all - well the saga continues, have told them to swing for the new debit card details and that I am seeking advice on the enforceability of their agreement as their consumer credit license was invalid (note account still for now in order and absolutely no suggestion on my part that I will not repay what I borrowed just disputing their right to decide under what terms this will be). No reply to my email detailing this but They have taken a "test" payment against the old card details today (for 50 pence) and put it straight back again. I am annoyed with the back as this card was sup
  13. Fantastic, go get them Duncan. I have emailed them this morning confirm I will accept no further phone contact (bear in mind to this point the account is in fact in order and they are pursuing debit card details) and that I have become aware they have been trading without a consumer credit liscense and will be seeking advice on the impact of this in relation to their dealings with me. My question following on from this (given that I will have bigger fish to defend!) is this - do I understand correctly the impact is similar to a credit card or loan company not producing a valid and legal
  14. Thank you very much - sound advice and on checking the website is currently down with message (from search engine) "Due to unforeseen circumstances EPDL is unable to offer any credit at present. Please check back soon" Me thinks will respectfully advise that will continue with standing order payment for the time being (and explains perhaps why they have been excessive in pursuing card details??).
  15. Forgot to say huge thank you to O P - will be challenging them about this tomorrow when they call (whilst I am trying to sleep following a night shift!!)
  16. Good morning all - long time lurker to the site finally taking the plunge and posting! I am unfortunately exposed to this lot as well and about to find myself in difficulty with them (and others!). They have been very persistent in pursuing new debit card details (I did genuinely have a card replaced as it was damaged!) and this including leaving a message at home and work saying who they were and what they wanted! I was about to let them have new card details but might just hold off for now....
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