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BungleBungle

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About BungleBungle

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  1. It's not the method of how my card details leaked (there are always explanations for that) but more the bizarre nature of the activity I don't understand. I was hoping this was some sort of known [problem].
  2. Last year I had some peculiar activity in my account, and I can't for the life of me fathom what the fraud was all about. Anyone enlighten me as to what was going on? So one day through the post I received a £60 silver necklace from a national jewellers. The package was addressed to me and I'd never shopped at a UK jeweller, so I had no idea what it was about, but I was very busy at work, so didn't look into it. A week later, from another jeweller, I got another silver necklace in the post. All very odd. Again, I put it in the post pile to send back, as I had no idea what it was about. The a week later, the same again, from a different jeweller. All a little bit Twilight Zone, albeit with lots of cheap H Samuels style jewellery. Anyway, this time, there was a bill inside which included the last 4 digits of the card used to pay for it. And yes, it was my Barclays back card. So I went to Barclays, had the card cancelled and reissued, checked there was nothing else odd being ordered (there were just the three) and sent the three necklaces to their Fraud department for them to investigate as per their request. They never could tell me what was going on. The only thing I can think of is that certain jewellers only send their products to the registered address of the card holder, and they were terrible fraudsters. And idea what the [problem] could have possibly been all about? (incidentally, I lived alone at the time, so it wasn't a family member "borrowing" the card etc)
  3. If you've made actual phone contact, I think the best course of action is the statute barred letter?
  4. I thought Cabot used the Ruthbridge rats to send out their phishing garbage?
  5. Hello all, Just a quick thankyou to everyone here. I've now had written confirmation from 3 different banks, and had the total £22,000 of debt owed by my late mother written off. Even though this was what legally should have happened..... it was quite a fight, and required a hell of a lot more effort than unsecured loans for the deceased should require. If it wasn't for the info here, I wouldn't know my legal rights, and the banks were certainly not going to tell me them (apart from HSBC, who were excellent, bar their harassing phone calls because the departments didn't communicate). Thanks everyone!
  6. Yet another banking bungle has arisen from my mother's death last month.... apologies of all these issues! HSBC (she had a credit card there, which was apparently forgotten about due to her illness leading up to her death, and been unpaid for a while) have been calling many times in the last two weeks asking to speak to her about the account. I've told them she has passed away and that these calls are becoming quite distressing, and yet they continue. They were informed in writing, and sent an acknowledgement, a few days after her death. Are all the departments totally unconnected at HSBC? While the written communication continues (the estate has no cash, so I imagine the final outcome will the debt being wiped), how are you supposed to get these damn calls to stop? Are these calls also illegal, once I've asked them to stop, given they have no longer any marketing relationship with anyone in this house?
  7. My mother passed away last month. She had an unsecured loan from Yorkshire Bank for about £6000. She also had her current account with them, with about £900 in it. They have now taken the money from the current account to pay off a proportion of the loan. Isn't this entirely illegal? I thought the rules of debts to be paid from an estate were (from direct.gov): 1. the funeral expenses and 'testamentary' expenses (those to do with dealing with the will); 2. any debt secured by a mortgage on a property; 3. HM Revenue and Customs; 4. the Department of Work and Pensions, who deal with social security (you may have to refund any over-payment of benefits); 5. unpaid pension contributions or wages. The total estate won't even cover the funeral expenses, and so surely the money from that current account, legally, must go to partially pay those costs?
  8. I know from the other way around (moving from UK to Oz) that large personal defaulted debts *are* critical when applying for citizenship. There's a large and full declaration section about it, and it counts towards "character" (ie the bit where the immigration officials can use their own whim to decide someone's future) And lying to immigration in a country you want to stay is worse than lying to God, the police, and a judge rolled into one...... They can boot you without recourse to law, unless you want to sit in a detention centre while it goes through the appeals process. I can't see why the other way around would be radically different....
  9. Just got a new letter, replacing the "The Occupier" one from Wednesday. Now, I understanding the dodgy legal ground of sending "trick" letters like that one, but what about this "Jason Evans" signature in a standard handwriting font that's on the new one? Surely you can't send legal financial letters that have what is clearly a "fake" signature (and probably a fake person too)?
  10. PS. If this all works out, I'll make the sum I would have sent them if they weren't such total animals in a donation to this fine site and all the help you and your members provide.
  11. Thanks 42man! Yes, I thought it would be a simple statute barred situation (I'm 99% sure last payment or contact was early/mid-2003) To be honest, at the beginning of the phone call, I was quite happy to pay off a reasonable sum, given it was a debt in my name, regardless of the poor customer service history with Barclays. On what could only of been a £150 original debt, after 6 or 7 years, I thought making a goodwill payment of 3 or 4 hundred pounds wouldn't be unreasonable. £1120 is not reasonable. However, after being lectured by Mr Wilson, it'll be a cold day in Hell before I give that company a penny! I have no property in my name, nor vehicle, so I'm not exactly sure what assets they could even try to dissolve for the cash. What are the credit report implications of this? That credit card was the sole contract I've ever had (no mortgage/ phone contract/ other cards), as I've never really needed any form of credit.
  12. I've just spoken on the phone from Mr Wilson at Ruthbridge ltd, and am still slightly shaking with rage! A quick google led me here, and I'm glad I'm not alone at being angry the aggressive and totally unprofessional manner this man spoke to me in. I even asked "if this a real company? Is this some sort of Candid Camera joke?" as I couldn't quite believe someone working in a legal British company would sigh and tell a customer to "be quiet!" when I was calmly explaining the situation. I made the mistake of ringing the number on the virtually blank letter they sent.... if only I'd googled the name first! I'd be grateful for any advice: I think know what to do from the excellent threads I've already read...... but I'm so angry I frankly need a quick vent and reassurance. A quick outline of the situation: I had a Barclay's Student Credit Card in 1999, with a ridiculously low limit of something like £150. All was fine for 2 years. In 2002-2003, I studied a year abroad in Australia. Barclays kept sending out statements that arrived two or 3 weeks after they were due, and often I had to pay to collect them as they always had insufficient postage. I got into a chain of correspondence with Barclays requesting that they either sent them earlier or set back the payment date to co-ordinate with arrival (this was all before mainstream online payment). This never happened, I kept requesting, and they sent me quite a few apologetic letters saying they would sort it. Anyway, at some point they simply stopped sending correspondence. I think it was mid-2003. I moved back to England, changed my addresses (I also have a Barclay's account), so all those details were correct on their side. Then frankly, I forgot totally about it, as I never really used it and after the postage fiasco. Then, today, this letter from Ruthbridge arrived, with Mr Wilson demanding £1120. We had the aforementioned phonecall, when ended with him hanging up, and me essentially saying I'd happily go to court over it. Now, I think this is probably a case of the 6 year limit rule. However, I've stupidly misplaced the information on the exact date of last payment/correspondence. I *think* it was mid-2003, and therefore within the ruling, but cannot be 100% sure. He's now sending a non"The Occupier" letter (incidentally, this letter was to my family home.... which has remained unchanged in 23 years, so they clearly had contact information) to me. Next course of action? Wait for the letter and respond with the standard "6 year rule" letter, even if I'm not 100% certain? Or is there a method of finding out precisely the last payment? thanks to all you wonderful folk.
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