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burkey38

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  1. With my Dad's permission I used my father's Northern Bank Visa card to buy a memory card on ebay, payment for which was processed through Paypal. My father received his card statement yesterday and as well as the purchase I made there were two other transactions on the card, one made on JohnLewis.com and the other from M&S. Obviously I nor he know nothing about these transactions. He cancelled the card yesterday and was told to go into his local Northern Bank branch tomorrow to advise them of whats happened and to see if there are any other unknown transactions that might appear on the next statement. My feeling is that it's something to day with a paypal employee who has access to cardholder's details. This card had not been used through paypal for a long time and the suspicious transactions appeared the day after my ebay purchase. The same thing happened to my uncle at Christmas when he made a purchase through paypal for the first time and then his card was used the next day for £700 of goods he knew nothing about. These tranactions were investigated by the card company and reversed. When my father contacted John Lewis about the purchase made from their website, all they could tell him was that it was delivered to a postal address in the South of England. My nagging doubt is this. If my father goes to his brach tomorrow to discuss what's happened and he tells them that he let me use the card for a paypal payment will they say oh thats too bad, you shouldnt have done that and theres nothing we can do? Any advice appreciated.
  2. Hi Received a scary letter from Capquest last Thursday. Dont have a scanner so I'll type it up cos I'm running out of time. Debt Purchased From: Capital One Bank Limited Balance: £9573.39 Despite our numerous atempts to assist you to find an amicable solution to settle this account, the balance remains unpaid. Our investigations into your current financial position, based on the information we currently hold, are now complete and it is unfortunate that we find ourselves preparing as Statutory Demand under section 268(1)(a) of the Insolvency Act 1986 which will be completed on or around the 9th April 2010 which will be served upon you. If you do not apply to set aside the Statutory Demand within 18 days or otherwise deal with the demand as set out in the appropriate notes within the demand, you could be made Bankrupt and your property and goods taken away from you. Any application to set aside the demand(form 6.4 in Schedule 4 to the Insolvency Rules 1986) should be made within 18 days from the date of service upon you and be supported by an affidavit(Form 6.5 in Schedule 4 to those rules) stating the grounds on which the demand should be set aside. The forms may be obtained from the appropriate court when you attend to make the application. Remember: From the date of service of the Statutory Demand (a) You only have 18 days to apply to the court to have the demand set aside, and (b) You only have 21 days before we may present a bankruptcy petition. You can stop this by contacting us now on 0871 527 0327 calls charged at 10p per minute from a landline quoting ref: 27F536. As one last conciliatory gesture, we are offering you the opportunity to clear this account and for all by pating a settlement of £5744.03. This is subject to you accepting the offer by 09 April 2010. This settlement can be over a time period that can be negotiated around your current circumstances. Alternative proposals will also be considered. I've already requested the agreement and received one from 2003 seemingly identical to this one I received SAR from Capital One in October 2009 and ther may be charges that I can go after. There was no letter of assignment in the information I received either. I have requested a notice of assignment in writing along with details of all payments made to Capquest in writing twice now and heard nothing from them uintil i received this letter. Any advice would be appreciated as I'm a little worried Thanks G
  3. Right, received a reply from First Trust Bank in relation to financial hardship/overdraft charges. This is what it said: We acknowledge receipt of your financial hardship complaint and your unarranged overdraft charges complaint. Your complaint about financial hardship The matter is receiving our attention and is currently being investigated by this Department. Should you wish to provide additional information in support of your claim please complete and return the enclosed Common Financial Statement. If we do not receive the completed Statement within 10 days our investigation will be based on the information we currently hold. We hope to be in touch with you shortly and for information purposes we have detailed below our complaints procedure: 1. You may express your dissatisfaction eithe orally or in writing. 2. Your complaint will be recorded and you will receive a written acknowledgement within 5 business days at most, unless your complaint is resolved within 1 day of receipt. 3. We will investigate your complaint promptly. 4. We will write to you within 4 weeks with either the result of our enquiries or to advise that more time is needed to complete our enquiries. 5. As a maximum we will write to you within 8 weeks with the results of our enquiries, which will represent our final response. 6. You may pass the matter to the Financial Ombudsman if you are not happy with our final response or if we have failed to advise you of the outcome of our enquiries within 8 weeks of having received your complaint. Under the heading of Your complaint about unarranged overdraft charges the letter goes on to advise me of the OFT and test case but there is a paragraph thus: As previously agreed with the Financial Ombudsman Service and the Financial Services Authority, the normal timetable for dealing with customers' complaints about unarranged overdraft charges will continue to remain on hold until January 2010 or until the courts have reached a decision, which ever is sooner. The FSA agreed to this, as long as the banks meet conditions that protect your rights. Obviously I will complete the forms they provided me with and return them alng with further proof of payments were are making. I have already provided proof of mortgage and loan arrears in my claim letter. What does everyone think will happen now? Seems like they're saying yes you may be in financial hardship but you're gonna have to wait till the court case is over anyway?
  4. Hi My wife and I have a joint account with the First Trust Bank in Northern Ireland. I have obtained 6 years statements and the charges amount to £5500 before interest is added. Are charges older than 6 years from say July 2003 exempt? This is over the small claims limit of £2000 for Northern Ireland. I already went to the small claims court in 2007 and had charges refunded on an account I held on my own, can I make another claim on this account since I signed some sort of "agreement" then? Can my wife do it on her own or are both parties required to be named as claimants? Should I claim just as I did before or go down the hardship route since we have mortgage arrears and other sebts and my wife is not working? Sorry for all the questions but I'm a bit rusty on this! Thanks Gareth
  5. A few questions from a complete novice... I had a couple of credit cards with MBNA on which I racked up huge balances which I paid and then re-claimed charges. These accounts are now closed but I was wondering if the CCAs in relation to these accounts were unenforceable can I get all or some of the money that I paid, back. Sounds stupid I know but thats what various unenforceable CCA companies are advertising. I have a CCA agreement from Capital one which was signed by me in May 2003. I have a scanner and have scanned it but cant get it on this post(told you I was a newbie)! It's pretty similar to others on here in that it seems to be a cut and paste job with the infamous section 3 or 2.3 as amended in one I saw earlier. Would it appear that this agreement/application is unenforceable? With my CCA request on 29th February 2009 to which I received it yesterday, I also requested details of when the debt was passed to Capquest but did not receive this. What should I do next? Thanks
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