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About Superdryguy2k10

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  1. Certainly seems like it. The woman on the phone said the merchant can take the funds as i authorised it despite it being off an old card that i asked to be cancelled. The merchnay DO NOT have my new details at all so i was unaware theyd be allowed to take off the old details. Im not worried about monies being returned as its my fault but they seemes to be pulling the wool over my eyes! If i lost my card then im sure they wouldnt have been able to take funds. Would it have been easier to raise a dispute with VISA as its them who shouldnt have let the payment leave.
  2. Yes i understand. The payments were taken via card to an online bookmaker but i had already told the bank to cancel any future payments to them and got a new card so in my opinion they shouldnt have been allowed to take anything. I spoke to the exec team at my bank this morn who said they cant stop the payments via card and payments off an old card will still be allowed to go through? Its a manual card payment so not a cpa so theyve said i authorised them despite cancelling the cpas and it being a different card
  3. Thanks. I used to work in debt management so i should know bettee. When i went into the branch i asked them to cancel the card and stop any future CPAs to the merchant. As they are a bookmaker however i presumed it was just a normal card payment? If its a CPA then yes i cancelles but wont the bank just say its a payment i authorised?
  4. Thanks. I was under the impression that for the merchant to process a payment they would need my new details? How can they process a payment through a card where the cvv and expiry are incorrect Also, i told the bank that i didnt want any further payments to this company being made as a cpa. But they are saying its a card payment.....despite the bookmaker holding old details
  5. Hi all. Hoping someone can advise me correctly. Embarrassing but about six months ago i fell into a bit of a downward spiral and gambled quite a bit so asked Santander to cancel my card so i couldnt gamble online. Up until recently i had no issues but last week i logged back in and the merchant in question accepted a payment off my old card which i believed was cancelled. I spoke to Santander who said they reissued the card and didnt cancel it and couldnt cancel payments to the online bookmaker either. Im not looking for any refunds etc but cannot quite grasp how the merchant can take payments off a card which is now no longer used and has old details, expiry and cvv etc. Thanks all
  6. So it was 2 different employment. One PAYE job from a company i worked for and one self employed income.....or loss due to setup costs, stock etc.
  7. Hi Tom. I had a PAYE job until August which paid 1400pm. In August I setup self employed....my income for my PAYE job paid me 1400 but the setup for self employment cost 1200....so net income was 200. I am now self employed only. Hope that makes sense
  8. Thanks Tom. So I'm presuming the calculation will be something along the lines of 1400 PAYE income minus 1k stock and 200 travel = 200 net income. Obviously provable when I do my first SA. Think I've missed the cut off for August so I'll just have to lump that one but nice to know for September
  9. I've been self employed for one month and have just setup. They don't know about it as of yet but am querying whether the PAYE job and self employed job interlink to get a net income or whether DWP just use my PAYE income to determine benefits
  10. Hi all. Wondering if someone can help me. Up until recently I have been working but had a universal credit claim running in the background for 6 months. In August I earnt 1400 through my PAYE job but setup self employed and the total expenses that month were 1200 approx giving a net income for that payment period of 200. Does dwp account for net income across both jobs for benefit purposes or just my main PAYE job which I am no longer doing. Any help will be appreciated.
  11. Appreciate the help. Complained twice via phone last week and was told today no complaint was even logged hence why i received no phone calls. Agent gave me an email address on friday to send housing benefit documents to and apparently this isnt policy so a breach there and then got told today i may have to wait another 8 days! I only wanted to claim for one month for the transition between jobs. No wonder the economy is falling down
  12. Hi all. Hoping someone can help me. I claimed universal credit on 12th april and believed i had to incur 7 waiting days which is fine then my payment period would run from 20th april to 19th may. I am now being told i wont receive a payment til 2nd june. I believed the payment should be on 26th.....has anyone got any idea of how i can calculate when it should actually be as this seems an awful long time to wait
  13. Thanks for the response. Am I within my rights to ask for the debts to be passed back to the council and to pay them direct. I currently work in finance and told the bailiff that any action like this would cost me my business to which he said iy was my fault. Im not a serial debt builder and just want to be able to pay a set amount each month to clear this without constant charges.
  14. Hi All, Hoping someone can help me. I have had a bailiff visit today for a council tax debt that i have been paying up until recently but have missed 2 payments in the last few months due to work circumstances. The bailiff asked about goods in my home to which there is nothing of significant value. He then proceeded to say if I didnt pay 335 today he would recommend committal. For the last 6 months or so i have been paying £40pm and also £20pm to a debt sent back to the council. They have also charged £235 for the visit so its made a £100 debt £335 and charged £235 for the second account making £335 go to £570. I have been charged multiple times for bailiff visits and i thought they could only charge me once.....if it wasnt for the constant £235 charges this debt would have been cleared a long time ago. Can anyone advise on how to deal with this best as im not wilfully declining payment i just cant afford the ludicrous amounts they are asking for. Thanks All
  15. Its the same ongoing issue. Its nothing different just progressed down the line and things have changed.
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