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  1. I was on the phone to Halifax for 1 hour today in my lunch, I was trying to be calm but ended up telling them I was going to chain myself to something in the bank and call the press Unfortunately I got told by 7 different people there was nothing they could do, they will NOT take the card Transaction of my account and they put things like this through if they have a good relationship with their customers (which is a laugh as they wouldn't give me a proper bank account or an overdraft). I was stressing that I would not be able to buy food for myself or my daughter or gas/electric etc. but all they could say was there was nothing they could do.... I honestly don't know where to start now, I am getting the same answers from both companies - I pointed out that it was not because they could not do anything but they would not do anything about the situation!! I am incredibly shocked with halifax!
  2. I have asked for a direct line to the bosses office or a direct e-mail address and Barry Silver of CF1 will not give it to me, I have stated that what their "system error" has done is put me into massive financial hard ship, that I have a young child and need to buy food and that I will report them to the police as theft, this is how Barry responded: Please note that if we took more that the amount owed, then it may be classed as theft. We also have a signed agreement in place,that was broken,stating that you would pay the amount back on 15/12/09. Although we accepted your terms, a system error beyond my control did this and as such could not have been avoided. At present we have not added on any late fees or interest to the account, that has been settled. kindly address all correspondence to "The Director" of the company. If they have been made aware of the situation I am in and they know it is an error surely they can be forced to put the money back, would this be correct? And I am positive they should at least give me contact details to his boss, the fact that he won't makes me think he may not know the way he conducts his accounts?? Well I can only hope there is someone honest in the company!
  3. And if I get a crime number do the Banks have to reverse the transaction? If this is the case I am going to phone up my local station tonight....
  4. But if I do still owe the company the money (which I do) (actually, now Halifax has decided to pay it, did) can I go down that route?
  5. Shockingly I was on the phone to Halifax for an hour at lunch time and they will not budge an inch!! I have e-mails from Capital One saying it was a "system error" there side but they still will not send an amendment fax! I expect this from Capital Finance one but halifax I am astounded with! I have stressed that I cannot feed my daughter untill 10th of Jan if they do not do something about this but they are just saying the money is gone and there is nothing they can do. I thought with Visa Electron you could not spend funds that were not in the account? Anyhow I have asked Barry Silver from CF1 for his bosses contact details and he is refusing to give them to me! Surely this will not go down well with the Ombudsman... I have them agreeing amounts that I can repay in writing and them telling me about the system error but refusing to give the money back and then they are refusing to give me their bosses details? Could this get them in trouble or am I flogging a dead horse? i would like to make a big fuss about this with both companies but I am unsure of which route to go.....
  6. Thanks Silly Girl! I have been to the Tax Credits people and changed the bank details but they informed me yesterday that they could not recall the funds after I explained my predicament!! Isn't it funny that under any other circumstance the bank would not put money through without the funds being in there but it sods law that this time they did! I'm thinking of going to Halifax and camping out in there until they agree something with me not sure it would work though! I don't think any of them want to help!
  7. Sorry, I didn't make it overly clear above that they have sent me £400 O/D with no overdraft! Thanks.
  8. Hello All, I was hoping somebody could give me some advice on what happened to me recently. I had a payday loan with Capital Finance one and could not pay it all off (I would like to state I have had a few and paid them off in full previously). I basically contacted them and after them ignoring my e-mails for a few weeks they finally got back to me and set up a payment plan. I paid the first amount on my payday as stated. Yesterday I went onto my online banking and checked my account (I only had £35.00 in there) to see I could not withdraw any money, I called the bank and they told me that CF1 had indeed took £430.00 form my account !! I am absolutely furious about this. I understand I should have canceled my card and I also know what Cowboys they are but surely since I have the most basic Easycash account (i.e no overdraft and not possible to get an overdraft) the bank should not have processed this?? Anyhoo, to make matters worse although I changed my wages to another account I did not change my Tax Credits which will be going into an overdrawn account and will get totally swallowed leaving me with no money for food for myself and my 8 year old daughter over Christmas and in fact up to January 10th. I have contacted both parties and CF1 stated that it was my banks problem and they would not revoke the authority on the transaction and my bank seem to think that there was nothing I could do. They said I can not open a dispute for 28 days and i could not anyway due to it not being for goods not delivered..... They have unfortunately left me in a terrible predicament. They will not even accept me paying £50.00 when the tax credits come in so I have money to live on!! Any Ideas whether the bank should correct due to them putting through the transaction when the funds were not available and therefore already deciding what my funds should be spent on ?? Any help would be massively appreciated!! Thanks x p.s sorry for the rant!
  9. Hello! Sorry to revive this thread but unfortunately some of the amounts I offered to pay back (which I have been doing monthly and on time) I can no longer afford. I wrote to Uncle buck and let them know on the 15th that I would not be paying them £50 but only £20 - They basically said "No Way". Shall I just carry on paying them the £20 I can? They said they will either pass on to Debt Collectors or legal action. I have also now have to default on Cash Genie, It is due on 15th of December and I wrote to them 6 days ago to let them know I would not be able to pay off the loan and offering them a repayment plan, they have not got back to me although I have re-sent the e-mail twice asking for a response. I'm thinking as long as I have proof of letting them know (well before the default date) they can't come back as heavy handed as they normally would?? (maybe that's just wishful thinking ). Tower Capital and Capital Finance one are also ignoring my e-mails, should I just pay what I have offered as I don't really want to call them. (although I'm not easily bullied into paying things I cannot afford). Any advice welcome... Thank You x
  10. Here is a reply from Tower Capital, they have whacked £90 on the balance but overall a surprisingly positive response: Thank you for your email, the contents of which have been duly noted. Taking into account your circumstances we can accept payment of £50 per month, as your pay day loan is due tomorrow we will expect the first payment tomorrow. Please confirm when we will receive payment each month? As advised in your terms and conditions we can charge 24% for every month you are in arrears, however as you have advised us before your payment is due we will agree to freeze your balance at £400 providing that payments are received on time. The bank details for the standing order are: Tower Capital Limited Sort Code: 40-25-33 Account Number: 81415360 Please put ********* as your reference so that we can easily trace your payments. If you have any problems please do not hesitate to contact us either by return email or on 01202 203 180 so that we can assist you. Thanks for all your positive response - I am paying Cash Genie off in full (didn't fancy letters to my neighbours houses) so only 2 more to go now Yippee!!
  11. FYI, this is the reponse I got back from uncle Buck (surprisingly quickly!). [We cannot accept your proposal of £50 per month, however if you can clear the balance in a maximum period of six months, we will freeze any further interest on your account for this period. The monthly repayments would be £75.83 commencing tomorrow If you wish to accept this proposal, we can forward our bank details to your mobile phone if you confirm the number. I may accept and offer one month loan £30 a month - I hear they are easier to make agreements with Cheers!
  12. Hiya, thanks for coming back to me. This is the e-mail that I have sent out to Tower Capital and Uncle Buck so far: Dear Sir/Madam, I am writing to inform you that I will not have the funds to pay my payday loan off tomorrow (£105.00 to roll over). The total loan is for £455.00 (Inc interest), unfortunately due to debts spiralling out of control it will be literally impossible for me to pay this in one go. I apologise for this and propose that you freeze the interest on my account and let me pay you back at a rate of £50.00 per month (starting this month) that I will quite possibly be able to raise in January. I would greatly appreciate it if you could send me an e-mail by return to inform me if you agree with my proposal. Unfortunately even if you don’t I cannot afford anymore than this. I have stopped my debit card so no transactions can go through and I would appreciate it if you could give me your bank details and a reference to quote when sending payment through to you. Again, I apologise for any inconvenience this may cause and I request that all contact from you be made through e-mail or post in writing and not by telephone. Many Thanks Do you think this is ok and says everything it needs to? Again Thanks for your help!!
  13. Hello All, firstly I would like to say what a helpful site this is, nice to find people that are not totally judgemental about debt issues Since March I have got myself into a mess with payday loans, I have not defaulted yet but unfotunately I now have to (on Tuesday). As much as I have been trying to find a way out of the situation, I cannot see one. I have loans with 5 different companies, they are as follows: Uncle Buck - £455.00 (inc interest) 1ML - £390.00 (inc interest) Cash Genie - £195.00 (inc interest) Tower Capital - £310.00 (inc interest) THL Direct - £279.50 (inc interest) Please could you direct me to some of the template e-mails? Unfortunately I am in such a financial mess this month that I cannot pay them anything untill october payday. I'm sure that will go down like a lead balloon. On top of this I think I will have about £200 spare every month to pay this back (aswell as some other hefty debts that I have to pay). What is the likely hood that some of these are going to accept smaller payments? I'm also really worried about being hounded at work (I sit opposite my boss and in the line of work i'm in (Treasury) this kind of thing will be frowned upon). I'm assuming if I e-mail them all and answer my mobile when they call they won't try work. I have seen feedback on all of the above accept THL Direct, anyone got any ideas about these? Thanks for any help available!! Lingylulu
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