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mighty sword

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Posts posted by mighty sword


  1. Hello all.

     

    I'm ashamed to admit the below, but it has happened, and I can't turn back time.

     

    Basically I bought a bottle of wine from Tesco a couple of weeks back. The bottle though, fell through the bag on the way home and smashed.

     

    I kept the receipt with the intention of going to the store to tell them that their bags weren't strong enough, and to ask nicely if I could get a replacement.

     

    Anyway a couple of weeks passed. I am unemployed and I never got my benefit in time this week, so I have been struggling to even get some food.

     

    I picked up the receipt today and I am afraid to say I went in store, picked up the bottle of wine from the shelf and took it to the customer services with a couple of other things.

     

    Once I got there, I told the lady that i had purchased the wine a day or two earlier, and asked for a refund, and do an exchange with a couple of things. This is when the security guard strode over.

     

    He asked what the lady what i was doing. She said I was doing a part refund, part swap.

    He said something along the lines of -'You mean this one which you have taken from the shelf' (in front of customers)

    I obviously panicked and said that i didn't and was promptly marched off to the back room.

     

    The back room was not a security guards room in itself, more a staff room. I asked the guard whether we can go and talk somewhere in private and he said this was not possible. So the whole questioning was taking place in front of other members of staff, some of whom knew me by face as I go in to the store almost every day.

     

    The guard had to receipt in hand, which was partly ripped so the date of purchase was not showing. He then proceeded to ask me when and where I had bought the wine.

     

    I initially repeated what I had said at the till - that I had bought it in the last couple of days. He asked me how much i paid, what time it was etc

     

    Basically he was suggesting that I had picked up the receipt from outside and was pulling a [problem]

     

    I eventually told him the real story, which was that it was in fact my receipt but that the purchase was made on a specific day (or two days, as I couldn't exactly remember if it was one day or the next day)

     

    The Guard told me that he can go through all of the transactions there and then. He was grilling me on how much exactly I pad for the wine, did I buy anything else, what time I was in the store?

     

    I told him i honestly couldn't remember what time I was in there but that It would have been from 2pm onwards. As I told him, I am unemployed and therefore my day is not structured like others, so i could have popped in there at any time.

     

    Anyway I asked him to go through the transactions and I guarantee him he will see mine there, paid with cash.

     

    - note - I realise that the actual offence was not in doubt as he said he had me on cctv taking the bottle off the shelf and going to customer services.The reason I am focussing on the receipt issue is that this is what the guard was doing. He barely mentioned anything else other than trying to prove that I had picked up the receipt myself and had not bought the bottle of wine originally.

     

    Eventually the guard produced a letter for me to sign, which has banned me from going in to any tesco store ever!

     

    The letter was signed by me (under duress) - I told him I didn't agree with it- and he said my name and face would be sent to every store in the UK..

     

    Whilst i am glad that the police were not called, I can't help thinking that this was not necessary. I did ask him to go through the till transactions to prove that this was purchased on the day I said but it seemed as if it was easier to just get me to sign the letter.

     

    I am frankly ashamed that my name and face is to be sent around all of the tesco stores and wondered if I had any recourse at all.

     

    Does anybody think it would be worth me writing to tesco, or should I just let it lie given the police were not called?

     

    Also - in terms of my data - can this be legally shared around anyone other than tesco?

     

    Any help appreciated.

     

    I know it is tempting but I would appreciate not to be judged on this. I know I have done wrong.


  2. Hi

     

    First off, I wasn't sure where to post this, so Mods if it is in the wrong place then please move this.

     

    Ok this is quite complicated,. so i'll try and keep my writing as simple as possible.

     

    I finished my last job at the end of July, which was Friday 30th.

     

    My salary for the three weeks worked in July was £1300. The company normally pay by BACS.

     

    I needed the money, so asked them if they would do Faster Payment, (with me paying the fee) on Thursday so it whould have been in my account on the Friday. It didn't arrive on the Friday. I checked again on the Monday and it still wasn't there. So I called up my company to let them know and to check it had definitely been paid in.

     

    The person there said 'Oh sorry. looks like the payment has bounced back to us - we will have to issue a cheque instead' and they sent me a cheque in the post. I received the cheque the next day. I went to a high st Cheque cashing place, Albemarls Bond, who offer something like 3.9% fee. So I presented the company cheque (with company logo) to them. they said that it wasn't dated so they can't take it.

     

    I looked at the cheque - they didn't put a date on it. So i went to the company that day and got the woman to date it there and then. Then I went back and cashed the cheque. All fine.

     

    So I had at least two thirds of the money to pay out, which I did, depositing rent monet ets into various people's bbank accounts, then I had to go up north for a week, so i had probably £350 cash once I had got there.

     

    Anyway, I received a letter from Albemarle Bond upon my return (around 12th August). the letter said that the cheque had 'bounced' and could I get in contact with them?

     

    I went to my bank, and checked my account 9(there was no need for me to check it before now). My salary had been paid in - but my bank had decided to take out £650 for an overdraft that I am supposed to be paying off gradually (but that's another issue).

     

    My employer had not concated me during this time. I contacted my employer by email, to ask what was going on but received no response.

     

    So I got another letter a few days later from Albemarle Bond: I'm paraphrasing but it says they contacted my employer and my employer had told them that they were under the impression that I had not received the cheque and only then had thye issued a direct electronic payment into my account. They also went on to say they had notified me of this and that they were unaware that i was cashing a cheque.

    The letter goes on to say that in such circumstances this could be perceived as attempted fraud, so they will be contacting the police if I don't respond in 5 working days - which is today.

     

    My company have deliberately mislead A & Bond. they can't have been under the impresssion that I hadn't received a cheque because I called them and told them that i had the cheque, but it wasn't dated - so I actually went in to the office to have it dated - so that's a clear lie.

     

    Also they said that they had notificed me - which is another lie because I hadn't known about any of this until I received the first letter.

     

    I emailed my employer on Friday, and was very angry as you can imagine. She tried to say there had been some kind of mix up - but when i asked her to clarify that she didn't say the above words in bold - she didn't.

     

    So I have Albemarle asking me to pay back the £1300. Clearly I now don't have it all. But I wondered if anybody had any advice on where I stand legally.

     

    I assume I am responsible for payment of the bounced cheque - but if the cheque was cancelled with no knowledge from me, and the cheque was presented in good faith (obviously it was), where do I stand legally?

     

    And if as expected, I am responsible, can i make a payment plan?

     

    i was hoping to get some kind of advice before I speak to them. I have tried the CAB but they are just too busy, and I am hoping to get this resolved asap due to the impending threat of possible police action for something which my employer is responsible.

     

    thanks for any advice, Sorry it's War and Peace :)


  3. Sometimes the phone is the most appropriate method to resolve issues in a swift and clear manner however we appreciate that it can appear daunting at times. it seems as though you are acting in a responsible manner eebeegeebee and hopefully your creditors will see that.

     

    24/7 Moneybox Customer Service

     

    www.247moneybox.com

     

    Don't listen to the above. Talking on the phone to someone collecting money is not the way to go. All it does is serve the creditor, who will try and bully you into paying as much as possible so that they get their commision / hit targets. This also includes collection teams at banks.

     

    I repeat, do not listen to the idiot above.


  4. I have a loan with Payday Express,wonga, quick quid, and lending stream i think it adds up to about £700.00 i have written to them all but they have written back with charges etc etc i have cancelled my debit card i just wanna start paying them .. i am getting so worried now .. please help! what shall i do next?

     

    Thanks

    Danielle:(

     

    PM me and i'll give you a hand - don't have time to do it all via messageboards :)


  5. My husband and I both work full time jobs, he actually just went back to work after being hurt in Dec and spending 2 weeks in the icu he was then laid off. we have done good till this point ... as I said he just went back to work full time we need $5000 to get us back on a level playing Field and can easily afford to make the payments to repay the money. as I said our credit is not the best we just need a break asap. Does anyone have any suggestions?? Please we need help.

     

    Have you tried a US based thread forum?

     

     

     

     

     

     

     

     

     

    Have you tried a US based thread forum?


  6. Hello,

     

    Has anyone heard of these people. They have a small number of financial products, including payday loans. They say that they credit check their bonus loan facility. Has anyone applied to them, even with a low credit score. I have 1 star on my credit file so i have a low,low score. Can anyone determine what the credit criteria is?

     

    I have used them. I have a pretty shocking score but I managed to get a Bonus Loan. They seem reasonable to deal with. I defaulted, along with other loans in January and have set up a payment plan to oay off roughly 1/3 of what I would have been paying per month.

     

    The above said you are far better off using a Credit Union to get a loan.


  7. i sent the telephone harassment letter telling them to stop calling me but i got a reply by email today stating the following

     

    " Please be advised that we are within our rights to contact you on any contact details you originally gave us to recover your outstanding debt "

     

    Is this correct are they allowed to keep ringing me even if i have told them to stop???

     

    Any answers and help would be much appreciated

     

    Mightyroyals

     

    Are they contacting just you or work also?

     

    who is it you owe?

     

    If its just your mobile, just politely tell them you have written to them and do not wish to be contacted by telephone. Do that a few times. Then if they continue, just reject the calls.

     

    I wouldn't say they are within their rights to contact you on any number given at any time.

     

    For instance, one of the guidelines - 'Contacting you at unreasonable times even when asked not to' - would specifically relate to your workplace.

     

    there are many things on the guidelines which you can cite if the company are not even talking to you about your offer of payment (I assume you have made one)

     

    I would get the account manager's name that you are dealing with and email them to threaten to inform their manager / their brokers, qutoing their name, if they continue. Think about the type of people working there - low wages, probably mostly commission based. Most likey s*it scared of their boss, so a good chance that from that point the calls would stop.


  8. CCJ's remain on your file for 6years only if you satisfy them before the 6years is up or it will be renewed and you'll have another 6 to go. Defaults will totally screw your credit rating, never heard of a payday loan company placing a default. As for looking at your file that does not leave a 'footprint' so you can look at it every day if you wanted. your credit file for example may have 20 searches on it but other companies may only see a few searches as searches for id arent seen by them. all credit searches are shown so keep this to a min if possible. the higher the cred searches the lower your score.

     

    re; default notices from payday loans - is this from your own experience? or have you seen other credit reports also?


  9. thanks - do you know the likelihood of a payday loan company marking the file with a default notice for missing one payment?

     

    I am negotiating a repayment plan with them currently, so if they didn't mark the file with a default notice in January, would they do it at a later date ?

     

     

    could anyone please help with the above question?

     

    I have negotiated a repayment plan for two high st lenders (Oakam and National cash Advance) - both said that as yet there has not been a default notice on my credit file - as long as I stick to the plan.

     

    I am in the process of getting my Equifax credit file but need to send some documents in, so am waiting on this.

     

    I know it is probably down to the individual companies, but does anyone have experience re; payday loans? As I said, I have only defauled the one time.

     

    thanks


  10. Thanks Sam i would really appreciate that. Feeling pretty awful right now due to lack of sleep and need to get this dealt with as i have to be on the ball with this job.

    You lot really are a godsend.

     

    I have always found it best to use email addresses of individuals within the companies to organise payment plans with - call someone in the copany, get their email address and email a copy of the payment plan. Also insist on written comnmunication only.(otherwise you can threaten to contact their employees and complain i.e. their brokers)

     

    I have done this with payday loan companies and most have account managers assigned to collecting the money from you and as long as you communicate with them, things can be worked out.


  11. Hi guys!

     

    I just came across an article about the new Guidance that will be produced by OFT. I will post the link to the article but what confuses me is the outcome of the proposed changes! From what i read i think that NO ONE who has outstanding debt to any of these payday loans companies can not and Must not be forced to pay back unless they have written contract signed from both parties!

     

    Pls, tell me what u think cos if this is true we might become richer 8-)

     

    The Link to the article:

     

    FT.com / UK - Ruling to force lenders to write off debts

     

     

     

    when they say 'signed' - i wonder where they stand with electronic sigs?


  12.  

    If you have been issued with a Default notice and they have marked your file, It will stay there for a period of 6 years, whether you pay it off or not.

     

     

    .

     

     

    thanks - do you know the likelihood of a payday loan company marking the file with a default notice for missing one payment?

     

    I am negotiating a repayment plan with them currently, so if they didn't mark the file with a default notice in January, would they do it at a later date ?


  13. You can get a copy of your credit file for free on certain sites. I would advise that you do this so then your mind will be put at rest.

     

    Defaults are kept on your credit file for 6 years and then they are removed.

     

    ok when you say free do you mean you mean you pay a month and then cancel it, or is it totally free?


  14. I have not checked my credit report yet - but at some point, probably later this year, will be looking at getting a mortgage, so will nbe getting hold of my report in August / September

     

    my questions;

     

    1 - I have defaulted on a few payday loan payment dates and one hight st loan (Oakham)

     

    Is the default itself going to show up on my file and if so how long does it stay there - and what is the likely impact on my credit score?

     

    2 - I had a CCJ around 5-6 years ago from Barclays - they closed my account down - credit card fees- I can't quite remember exactly when the CCJ itself was 'passed' . Is there any way of fidning out exact court dates? I would have thought that the information will be held somewhere..

     

    3 - What is the diff on my credit file between a CCJ and default notice?

     

     

    Thanks for any help.


  15. Hi.I've just defaulted on a QQ loan.I phoned them to arrange a repayment plan,but got nowhere with them.I've blocked my debit card and asked the bank to keep and eye out for any DD they set up.I'm worried sick QQ are going to clear my account,and I don't want to end up paying bank charges too.Is blocking my debit card enough?The only other alternative I can see is closing down my account which I dont want to do.If anyone can give me some advice on how to deal with QQ in the future,I'd be extremely grateful.Thanks.

     

    One option is to join your local Credit Union - it's a community bank.(obviously you can still keep your bank account concurrently)

     

    ABCUL

     

    You can get your wages paid in there - once you get an appointment you can join straight away so you probably have time by the end of this month.

     

    They also do loans (very low interest and long term) - so they could help with paying of the schmucks you owe money to

     

    In the meantime, write a letter on a word document and email the companies you do owe money to, saying that you cannot pay them and you need to come to a payment arrangement with them. State what you can genuinely aafford - they will no doubt come back with a higher amount but that's where negotiations start.

     

    In the meantime If you have internet banking keep checking every day for DDs - if they reinstate them you just cancel it.

     

    I think that's your best way forward


  16. Clare3740,

     

    Unfortunetely you cannot cancel cheques which have been guaranteed by your card.The bank will honour the cheques due to cheques having the card number on the back.

     

    I tried and failed to cancel the cheques quite some while back,and as a result i was nearly £500 overdrawn with the bank.

     

    Havinig said that, I spoke to the Natwest collections this morning regarding a cheque that was banked this morning (ironically from the Money Shop) and he said he was going to email somebody to have it returned. Whether this happens or not I don't know, but it does show that it can be cancelled / returned in the same way they do DDs. I think it depends on the amount if cheques you have previoulsy wrote and the frequency in which they were banked and thherefore paid by the bank. Worth a try.

     

    I will let you know if it does get returned.


  17. willy53 or is it willy69. do you know what bi polar is?

     

    I think schizophrenic may be a better phrase - you recently posted about your own debt with a logbook loan - below

     

    foolishly i took out a loan with loan shark loans opps logbook loans. ive been paying almost 12 months and still have 6 more to go. my initial loan was 500 pound and i was quoted a settlement figure of 700...what the hell ? this company seem to have excessively been charging me, phone calls letters, almost 3 charges a week and each one is 12pound (my loan repayment is approx 22 a week). is there a limitation on the number of charges you can receive in a week.

    its worked out ive paid 1144 so far and still owe 572, these figures are probably without charges added on. my settlement figure which is valid for 7 days is 700...so i really dont know the true figure... seems a bit suspect!!


  18. Just to follow this up, and for anyone else in a similar predicament with the bank - I called up my local natwest bank manager who essentially said that there wasn't a huge amoount that they could do - but he did give me some tips on what to say - i.e. come clean and appeal to their better nature. And he said to use their current key PR phrase 'treating customer's fairly' into the conversation.

     

    So I called them back, and, using the key phrase, somehow managed to talk them round to a 6 month plan!

     

    I am flabberghasted to be fair, because yesterday it looked as if that was that :oops:

     

    So for anyone who perhaps has had the 28 day threat with Natwest, all is not neccessarily lost. If you do have the funds to cover the debt then you should call them back and negotiate.

     

    Worked for me!! more than happy now.:D


  19. I need some urgent advice

     

    I stupidly got involved with some payday loans / cheque writing i.e. Moneyshop, Poundstill Payday etc as I was helping a family member out, ironically, with debts from different kind of sharks.(human ones - gangs)

     

    The upshot is that I went over and above my overdraft limit and more and more. I got a call from Natwest collections and I arranged a 6 month payment plan - which was all good as it was around £300 per month, which I can just about afford. However my mind was in such a state during November / early December due to the situation that I had forgotten a further two cheques which I had written. To my horror I saw them coming through on my online account. I immediately called them to let them know and pleaded with them to allow me another payment plan. Unfortunately, this was not allowed. I now have 28 days in which to pay up the lot- £2,500 - otherwise my account is to be closed and a CCJ / Default notice against me

     

     

     

    I called CCCS for some practical advice, and they advised me to walk away from NatWest. This is not an option.

     

    I can't afford to go to another bank for a variety of reasons (mainly personal ). Let's just say that my marriage could be at stake if my account were to close.

     

    CCCS said that there is the possibillty that I can try and negotiate again with collections - to pay the whole thing over 3 months (which I would just about do, using the majority of my wages) - has anybody had any experience of this actually being succesful?

     

    I also have the offer of up to £1000 10 month loan from the Credit Union but unfortunately cannot find a suitable guarantor at present which is very frustrating for me, as this, coupled with my next month;s wages would just cover it.

     

    Does anybody working at NatWest know whether this would be viable?? any constructive help / practical suggestions at all would be gratefully received

     

     

    Here's hoping.:confused:


  20. I need some urgent advice

     

    I stupidly got involved with some payday loans / cheque writing i.e. Moneyshop, Poundstill Payday etc as I was helping a family member out, ironically, with debts from different kind of sharks.(human ones - gangs)

     

    The upshot is that I went over and above my overdraft limit and more and more. I got a call from collections and I arranged a 6 month payment plan - which was all good. However my mind was in such a state during November / early December that I had forgotten a further two cheques. To my horror I saw them coming through today on my online account. I immediately called them to let them know and pleaded with them to allow me another payment plan. Unfortunately, this was not allowed. I now have 28 days in which to pay up the lot- £2,500 - otherwise my account is to be closed and a CCJ / Default notice against me

     

     

     

    I called CCCS for some practical advice, and they advised me to walk away from Natwest. This is not an option.

     

    I can't afford to go to another bank for a variety of reasons (mainly personal ). Let's just say that my marriage could be at stake if my account were to close.

     

    CCCS said that there is the possibillty that I can try and negotiate again with collections - to pay the whole thing over 3 months (which I would just about do, using the majority of my wages)

     

    I also have the offer of up to £1000 10 month loan from the Credit Union but unfortunately cannot find a suitable guarantor at present which is very frustrating for me, as this, coupled with my next month;s wages would just cover it.

     

    Does anybody working at Natwest know whether this would be viable?? any constructive help / practical suggestions at all would be gratefully received

     

     

    Here's hoping.:confused:

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