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joanne19792001

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About joanne19792001

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  1. Thanks so much for the help Today i was given a refund along with £50 compensation for the 113 mins on the phone and over 2.5hours spent in a Santander branch.
  2. Hi, Thanks for the help I am no further forward with Santander I have spent nearly 4hours on the phone in the last 2 days and tbh feel completely drained by the whole thing. I printed off the FSA leaflet "know your rights" and also the payment services regulations but the branch manager refused to even look at them, instead insisting they were following Santander policies and procedures. I found Santanders policy on recurring card payments and also just noticed it has been quoted earlier on in the thread. This is what it says.. Therefore if a payment was asked for at 3.42
  3. Hi, I tried to cancel a recurring payment with Santander yesterday. I was told it would take up to 24hours. I telephoned at 11.08am yesterday and at 3.42am this morning the payment left my account. I have telephoned santander and soke to 3 people, 2 of them managers who have refused to refund the payment. I have been told that i can't dispute this until after 1st September:?: I quoted .55 & .61 of Payment regulations 2009 only to be told that if that is the case then Santander is not in line with these regulations??? I have just had a quick google and found Santander are quoting you can
  4. I stupidly applied for a PDL with Speed Credit on Saturday 17th March(i was desperate). I was accepted for the loan and i got an sms and email message saying the money had been transferred to my account. After checking my account several times on Saturday the money did not arrive so i telephoned Speed Credit(called themselves paycheck credit on the phone). I was told that the money should be in my account any time but if it was not then the accounts department would contact me on Monday morning. On Monday after receiving no call from Speed Credit i telephoned once again and was tol
  5. I am so sick of these **** bags asking my Mum to pay money for me:mad:. I spoke to someone last week who was asking for money and i aid i wasn't paying anything else untill i got my SAR as they had entered a new loan agreement on my Credit File that i haven't signed an agreement for. I arranged for the guy to ring me today to see if i had my info back(doubt it i only sent last week). He did not ring and turned up at the door at 5.30pm. I was in the middle of changing baby so my Mum who was at my house went to door and said she's busy, you were supposed to ring her, she told you she wasn'
  6. The more i look at this the stranger it becomes! My original loan must have been 2000/2001(it is no longer showing on my credit report). The agreement show above was to lower payments. This loan is showing on my Credit file with Experian(i assume its this loan) Company name: WELCOME FINANCIAL SERVICES LTD
  7. Hi, I am having some problems with Welcome and have just dug out this CCA and it looks as though i am paying interest on the acceptance fee. Would you guys who know what you are looking for have a look for me please;-) This agreement was to spread my earlier loan over longer so i could pay less and i have obviously ended up paying alot more for it:rolleyes:. When i got a copy of my Credit File today WF have stated that this loan is satisfied and entered another loan onto my credit file for the remaining balance in 2004 but as far as i am aware i didn't sign another agreement to
  8. I posted a similar thread in the CRA Forum along with other questions as the query came from looking at my Credit report and i hadn't seen this section so sorry for putting it in two places. I took a loan out with Welcome Finance in 2002 and defaulted 5/12/03. They were giving me so much hassle and i was paying bits when i could. On my Credit file(Copied & pasted without personal details below) it says that the original loan was satisfied and file updated 17/2/08. There is then another entry from Welcome Finance starting 4/5/04 which i don't know about so i assuming they have started
  9. Hi, I have just accessed my Credit report as i wanted to see what debts were left on it & their are a few debts i am unsure about. I had a number of debts & CCJ's some time ago but there are no CCJ's showing now so i am assuming it has been longer than 6yrs(or however long they stay on for). I took a loan out with Welcome Finance in 2002 and defaulted 5/12/03. They were giving me so much hassle and i was paying bits when i could. On my Credit file(Copied & pasted without personal details below) it says that the original loan was satisfied and file updated 17/2/08. Th
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