Can the FOS really help with this one?? I have a FOS leaflet and they seem to only deal with complaints where you query figures/costs. Their leaflet is very clear they can not fine or punish a business and do not monitor a business to ensure they follow their rules. I fear the OFT is the only place for this complaint.

OFT rules state they can not take random amounts without informing you. Toothfairy got done for this. you can report this to the OFT but they dont take up induvidial cases and it does not get your money back now. I would suggest write to the bank and CC the FSA and FOS, the bank are just hoping you will go away show them you wont.

were 247 entitled to the money?? was the £450 your agreed payment taken on the due date. if not how much extra have they collected and how long after the original due date has it been taken? one last question was it taken in small amounts or one lump sum?

companies do not have to use their trading address as their registered offices. Most smaller companies use their accountants offices as their registered address, nothing illegal in it.

Bacs payments can take 3 days through the bank, but faster payments are almost instant find out how your bank sent the money.

Contact Wonga 1st it may be a mistake and they will refund the money, that would be the quickest way to get your money back. If Wonga insist you owe the money and you dont (or your card has been used by a 3rd party fraudulently) you must report this as fraud to your bank, it seems from other threads your bank will try and put you off and tell you its not their problem but insist it is and ask for a supervisor/manager whoever just dont take no for an answer.

I think they actually actually have to take your case up with the lender. If the lender can prove they have acted correctly (yeah right) and the FOS dont take it any further than an enquiry there is no charge. Also you have to go through the proper channels 1st, official complaint to company etc..

If CFO transferred it to a debt collector it is against OFT regs for CFO to attempt to collect from this account, and also for them to pass your card details to any debt collector. You must contact the OFT and let them know what CFO have done and this also gives you good reason to make a complaint to the FOS, the FOS can make them refund the money and will also charge CFO for the privillage.

Did they ever acknowledge your email? they may claim to never have rec'd it. regarding your calculations I make you correct, but you will have to phone them and be prepared to argue and threaten to send copies to the FOS (dont bother with the OFT)

yes dont worry any threats to your house these are not secured loans. the worst they could ever do is to get a charging order on your property (which would mean you have to pay them back when you sell) but they would have to get a CCJ 1st them apply to the court etc.. to much trouble for them if your wiling to pay them back by instalment. they will threaten court etc.. by mostly empty threats, if you get any court papers turn up get back onto this site and there will be experienced people to help you defend it, not too difficult to defend due to the high costs and charges.

It might be worth looking at the amounts you have to pay back on these loans if you havnt yet defaulted. ask all the lenders if the will freeze interest and charges if you pay them the £30 per month (I assume none of them will but you never know). if none of them will freeze int and charges you may be better off clearing the smallest one or two in full to prevent these charges being added (if they are going to add fees anyway it doesnt matter if they get paid initially) you can then pay the remaining lenders a higher amount the next month as there will be less of them and you will have saved yourself a few hundred pounds in fees etc..

The only way they will stop chasing your wife for payment is if you report this to the police, otherwise how can you prove its not your wifes debt. Very difficult I imagine as its your daughter, it may be worth contacting them to see if they will do some sort of deal given the circumstances.

You are correct. a new loan would have meant a new credit agreement and a new agreement must have a 14 day cancelation clause by law. I assume you have alreaday paid them, but if not tell them they will be reported to the FOS (pleaes dont bothyer with the OFT) if they dont cancel and reduce interest charges

If you debt has been passed on, it is against OFT guidelines for LS to attempt collection as only one company can chase you for an outstanding loan. however, not many PDL companies seem to care what the OFT say, get your money out of that account ASAP just in case.

They can register a default without 1stsending a default notice. contact the credit ref agency and tell them it has to be removed, dont just accept it fight it

You dont have to give them this information but then they dont have to agree to a repayment plan. If oyu refuse they will think you are hiding income and can afford to pay more it just the way they work, if you have nothing to hide then it may help your case to complete it but as I said above you are under no obligation if you dont want too.

If you have written to them and they have not answered and continue to text/ring I would have to say that is harrassent. maybe you could just send them a copy email 5-6 times a day until they do and copt the FOS or OFT in everytime.

Nortel, your bank are talking rubbish, the OFT have said PDL companies can not raid peoples account when they feel like it, they have to let customers know before hand. dont just accept your banks say so, get a copy of the OFT's ruling and present it to your bank thell them LS have clearly broken these rules (note its just rules not the law) and you want your money back. Kick up a fuss speak to the manager people in this country dont stand up for themselves enough against these big coprorations.

They can only take it from your account with a Direct Debt, very unusual for a PDL co to use these and if they did you can use the direct debt guarantee to reclaim the funds. Very important you let the bank manager know you know your rights and what they have done is illegal and you will be reporting them accordingly. get a letter drawn up to the OFT and CC your bank manager in, give him a copy put him under pressure to act

Your Bank manager is fobbing you off, tell him under OFT guidelines this is a fraudulent transaction as you was not given notice of the intended withdrawl. You must demand they apply for a chargeback, the bank will try to put you off but dont let them keep insisting. I do wonder how LS have got details of your new card, I would suggest a complaint to the OFT and FOS as to how they came by your new card details, the law has been broken here, the problem is until we get some regulatiuon in the PDL industry they will keep flauting the law as the chances of getting caught are slim and the punishments non existant.

You need to go back to your bank, remind them of your conversation with your bank manager and the subsequent action he took. how much have lending stream taken? just enough to cover the original loan and interest or more?

Silly Girl, all financial companies have to keep this data by law.

They can not remove your details completely. by law they have to keep them the FSA sets a limit I believe of 6 years and although PDL companies are not FSA regsitered I would expect a same amount of time. Write to them all and request they refuse you further finance, Explain your circumstances and tell them you would consider it irresponsable lending to lend you any more monies. if the do they will be reported to the OFT.

Report this as a fraudulent transaction to your bank and insist on a charge back, you gave them no authority to debt your card. dont take a no from your bank ask for the fraud dept what CFO have done is totally illegal. If your wife owes them money they will most probabley hound her anyway or pass her debt onto a debt collector who will do the hounding, also cancel the card they will continue to attempt collection from it.

Get something in writing from the DCA if possible and forward this to the FOS. it can only help your case as it shows they are truely incompetent, and forward this to the OFT as well as they do not deserve their licence to lend.