Hi His benefits is actually paid direct to them, the agreement was they then take their money and put the rest into the account. But now it has paid paid they are still taking the money and there is no direct debit or standing order so he cannot stop it!!! I need to help him. Thanks

Good Morning Guys!!!! Need your help with an issue my partner is having at the moment. He has a loan with credit union which he has paid back early with his savings he had with them WHICH THEY HAVE CONFIRMED ON A NUMBER OF OCCASIONS (but never in writing). NOW they are still taking the £14 per week although they are aware HE HAS PAID BACK THE LOAN, they are blaming their system saying it is a shared account? This is his account only and he gets his benefits paid into it. He paid the loan early with his savings as he cannot afford to have this amount of money taken off his benefits every week at this time of year!!! When he called this morning they put his money back into his account very quickly and apoligised for any inconvenience and said the problem has been fixed now (but they said this last time). The bit I am annoyed about here is what if he hadn't called or noticed this money was missing? Would he have ever been reimbursed? Now he is due to get an increase in his benefits to high rate income support rather than low rate and may not be able to tell if money has been taken (as he is not the brightest). Does anyone have a template of a letter to stop this happening again??? I really want to help him prevent this from happening again as it is not fair on him!! Can someone please help me? :idea: :idea: :idea: :idea: :idea: :idea: Thanks in advance guys!!

only problem is i don't have a scanner!! I think I will just sent them a financial statement and offer of payment, i am stressed to my eye balls with this.

credit agreement and statement has come, where do i go from here?

will i just wait until i have had my credit agreement through?

Post Regarding the subject access request.... when should i do this? When credit agreement has been reeceived? Will a subject access request include any letters and transcipts of phone calls or will they just give me what they feel like? Thanks

just remembered i havent kept notes of dates and times of phone calls for arrangement made!!! what am i going to do, just make basic notes of rough dates?

i just remembered i did not keep a copy of the letter i sent saying i would not pay until i received a detailed direct debit mandate!! do you think this will matter?

hi post sent my cca 9th april recorded and £1 fee they received on 10th they have til tuesday, my letter dispute letter will be sent 29th. They sent me a letter saying I made a SAR when i did nothing of the kind! I have complained to financial ombasman today so we can wait and see the result for that aswell. I am so stressed about this because I really don't want to have to go as far as court.

tell me about it i am so stressed out i am terrified it will be my work they contact next!! does someone want to help ma draft a letter to the oft? thanks

dont think they will be able to, i put them down as referees not as people to chase! yes they live at a seperate adress, i supose i can start getting them to take names and times. thanks blueda

this is the attachment Dear Sir/Madam Account number: I am writing to complain about [insert the name of the collector if known and details of the actions or events that are causing the problem]. I have been advised that, under the Consumer Protection from Unfair Trading Regulations 2008, it is an offence to engage in aggressive commercial practices, including the harassment of debtors by making demands for payment in a manner that causes unreasonable distress, fear or embarrassment. I believe that the actions/events described above may be considered harassment. I am therefore asking you [or name of collector] to stop this action immediately. In future, please contact me [insert preferred contact method, for example, by letter]. If you ignore this request or continue to act in this way, I will make a formal complaint to the Financial Ombudsman Service. Yours faithfully [Name

I wrote to the OFT please see the response i got Thank you for your enquiry. Subject access request is term some companies' use when individual request details of information the company holds about them. You are correct about the 12 day rule. If further month passes after the 12 days have lapsed Welcome Finance will have committed an offence and you can report them to Trading Standards. The following extract from our information system may be of some use to you in respect of this matter - A client is also entitled at any other time to receive from the credit provider information about a current credit agreement (as long as it is not a non-commercial agreement). The request must be made in writing and the client should make it clear that s/he is making the request under the Consumer Credit Act 1974. A small fee is payable. The credit provider has to provide, within twelve working days:- * a copy of the original agreement. This must be a 'true' copy, not necessarily an exact copy (it need not include the date nor the signature of the client), and the credit provider could produce a copy from her/his computer records and print it out on an appropriate proforma; and * a copy of any other documents referred to in the agreement; and * a statement signed by the credit provider showing the amount already paid by the client, any arrears and the total sum payable. If a creditor fails to provide the documentation within the prescribed time (twelve working days), the agreement cannot be enforced until it is provided. If a further month passes after the prescribed time (that is, twelve days and one month from the date of the request) and the creditor still fails to provide the documentation, s/he commits an offence. The client should report this to her/his local authority trading standards department. If an agreement made before 1985 is lost, the credit provider has only to provide a statement of the current terms of the agreement. As no signatures need appear on the copy, a client cannot rely on the fact s/he has not been provided with a signed copy to deny liability. However, if the client is denying that s/he ever signed the agreement, the credit provider would have to provide evidence that the client did sign the agreement. With regards to the visits/calls you are still receiving from Welcome these should have stopped given that you have specifically requested that this should happen. We have attached a copy of the sample letter we give to clients who are being harassed by creditors, you may wish to incorporate some the contents into the letter you intend to send on April 28th. If the visits/calls continue you should contact Trading Standard and/or the Financial Ombudsman Service. Contact details as follows -Thank you for your enquiry. Subject access request is term some companies' use when individual request details of information the company holds about them. You are correct about the 12 day rule. If further month passes after the 12 days have lapsed Welcome Finance will have committed an offence and you can report them to Trading Standards. The following extract from our information system may be of some use to you in respect of this matter - A client is also entitled at any other time to receive from the credit provider information about a current credit agreement (as long as it is not a non-commercial agreement). The request must be made in writing and the client should make it clear that s/he is making the request under the Consumer Credit Act 1974. A small fee is payable. The credit provider has to provide, within twelve working days:- * a copy of the original agreement. This must be a 'true' copy, not necessarily an exact copy (it need not include the date nor the signature of the client), and the credit provider could produce a copy from her/his computer records and print it out on an appropriate proforma; and * a copy of any other documents referred to in the agreement; and * a statement signed by the credit provider showing the amount already paid by the client, any arrears and the total sum payable. If a creditor fails to provide the documentation within the prescribed time (twelve working days), the agreement cannot be enforced until it is provided. If a further month passes after the prescribed time (that is, twelve days and one month from the date of the request) and the creditor still fails to provide the documentation, s/he commits an offence. The client should report this to her/his local authority trading standards department. If an agreement made before 1985 is lost, the credit provider has only to provide a statement of the current terms of the agreement. As no signatures need appear on the copy, a client cannot rely on the fact s/he has not been provided with a signed copy to deny liability. However, if the client is denying that s/he ever signed the agreement, the credit provider would have to provide evidence that the client did sign the agreement. With regards to the visits/calls you are still receiving from Welcome these should have stopped given that you have specifically requested that this should happen. We have attached a copy of the sample letter we give to clients who are being harassed by creditors, you may wish to incorporate some the contents into the letter you intend to send on April 28th. If the visits/calls continue you should contact Trading Standard and/or the Financial Ombudsman Service. Contact details as follows - Why did they say after a further month?

citizen b you need paerwork to complain there i think.

no I mean help to write them a letter as they were discussing my account with my mum and dad and leaving explicit voicemails saying they are going to legal action due to arrears etc (i recorded that voicemail) Thanks