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AngusMcTavish

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  1. I thank you both for your replies. Trading Standards told me some time ago that I am not legally obligated to enter into any new agreement with any new creditor, Given that the original creditor Morgan Stanley did not notify me, firstly with regard to the merger and secondly that I was paying Barclaycard (we thought we were paying Morgan Stanley) which has been the same account since day one in 2004, the last payment made was 23rd January 2012, this payment was rejected. It is only now that Bc are asking us to pay into a new account, the number of which they have supplied, but we suspect that the new account may well be that of belonging to Apex, we are therefore, unwilling to enter into or even negotiate any new terms with any other debt collector, We will follow your advice and send for a SAR, I will keep you posted.
  2. Received a letter yesterday from Barclaycard, it was vague, the account numbers they had for me were wrong, briefly they now want me to pay my debts (original creditor is Morgan Stanley) into a new bank account, I telephone them this morning, and was told that the two aforementioned companies merged in 2007. Morgan Stanley have never sent a copy of a deed of assignment, neither have they ever sent an statement of account, we have never had any sort of correspondence with Morgan Stanley since we went onto an agreed repayment plan in 2004. Barclay card told me this morning that they have now passed this account onto Apex to collect, but we have never had anything from Apex, can someone please advise on whether or not we are legally obligated to firstly deal with Barclaycard and secondly with Apex, given that we were not notified in the first instance by Morgan Stanley?
  3. Seems someone was listening, bank closed was closed but not before they helped themselves to this months fees.
  4. Ok folks, I am back and with the same old complaint! I am looking for advice, serious suggestions only please Further to my original post and all those that followed....Santander have taken to ignoring me completely, with the exception of a letter I received yesterday!! Well actually, its not a letter its more of statement of what I now "owe them" without any details of where exactly these charges were made from, I last spoke to Santander in May 2011, I again offered the token payment of £1 per month towards the outstanding £250 overdraft, it was refused, again. As of yesterdays letter it now appears I am in debt to the tune of £764.51!!!!! these charges are from 02/07/2011 until 02/01/2012
  5. Hi all, A wee problem with my bank, therefore, any advice is appreciated, recently and as advised my wife and I wrote to our bank requesting our business bank account be closed, it served no purpose to us as we have retired. We don't owe the bank any money, and there is no overdraft. It is now nearly a month, and there has been no change to this account, however, they have made another charge regarding admin fees, we have rung them 5 times now, the banks own website "Q&A" clearly states that these accounts are closed when requested, within 4 working days, Is there something else we should be doing? or are we right in thinking that we have followed the procedure set down by Lloyds itself.
  6. Thank you, yes I am in Scotland. I have had the current account since about 2003, it was originally opened by me to have a wee bit "pocket money" in, the terms were that I banked £500 per month which I duly did, around 2005 I lost my business and went onto benefits and I became a client of CCCS, these Benefits are paid through my husbands pension credit, Also at this time I asked for a small over draft, of £250, which I duly got from the bank. The account is mine, but the bank have accepted my husband's pension weekly into it, but they would not allow me to change the account to a joint one. From Nov, possibly before 2009, the bank have taken varying amounts of money from my husband's pension, on occasion leaving us with little or no money to live on, I wrote to them in 2009 asking that they stopped this practice as the money going into the bank was not all mine, they refused. I wrote to them again asking that they reconsider giving me a joint account and a debit card for my husband and again they refused. In 2010, our finances were in a terrible state, and by this time the bank although they continued to honour some of our debts, continued to take from my husband's pension, which inevitably kept us continually overdrawn on the overdraft and of course continually subject to further penalty, By October 2010, we had creditors chasing us all over the place, the bank taking what was due to it before paying out anything else and one day my husband said, that is it and he ttranferred everything from Alliance and Liecester to a new basic account with another bank. I wrote to the bank asking can I please close my account, but there was no reply. I explained that although I was on benefits that these are not paid to me personally but rather through my husbands pension as is the way at least in Scotland. "Sam" (a woman) contacted me by telephone, she tolfd me to get as many benefits as I could, in order that I pay the bank, I am being subjected to periodic phone calls by Santander, even though, I have written and asked them not to phone, I have written to them about 4 times since January, there is however, seldom a reply and mostly they have ignored what I have said, I have written and asked for a copy of all data that they hold on me, and they ignored me, I have written and asked that they accept a token payment (as advised by trading standards) of one pound per month, in line with my other creditors, and they have verbally on two occasions refused. I wrote to them sending a £2 postal order for a copy of any credit agreement they might have in place, this letter was ignored but the £2 was put on my account. I don't have a copier, all letters were hand written and I have no copies, I am at my wits end with these people, and I really do not know what I can do. I do not want to go bankrupt, as my other creditors are happy with my payments of £1 per month, and have been since 2005, I have never missed a payment to any creditor, not even when I changed house, or banks. Can you advise?
  7. I wrote to them on the 15th October 2010, asking can I close my account, they was no reply until January 2011 after I again wrote to them, so I guess you could say from October last year, I did owe them £250, but that figure is now £750 +
  8. I am in dispute with Santander, for their excessive overdraft charges and penalaties, I am refusing point blank to pay them, I am on my own with no advisor however, I have told them verbally and in writing that I am not paying them. Thus far (since last October, they are ignoring me and are continuing to charge me daily, they refuse to close my account although they have closed my overdraft account as of January 7th 2011, I will go to prison before I will pay these people what amounts to extortion on their part, they advised me to go onto DWP, to claim as much money as I could to pay them, I wonder how many more people have been forced to claim benefits to pay to them? It worries me, sure it does but I am determined not to bow to this intimidation. I am unemployed, I am on benefits and trading standards told me that the government are not paying me money to to pay my debt, any thoughts on how I can end this?
  9. Who is Aci? Just had a phone call asking for my partner and then they hung up.
  10. Harassment, Intinidation, Abuse of Process are the middlenames of AIC, Today, I have been upset beyond belief, by the aforementioned using every bullying tactic known to man. This evening and after a quick word with trading standards, I am again bacl in the land of sanity, thank heavens. Northern Rock are my creditors, for an unsecured personal loan taken out six years ago, and for which I have never missed a payment, token or otherwise, And as I have heard nothing from Northern Rock, with regard to this debt, nor had anything in writing from either NR or Aic, I have been advised to sit tight, wait and see, wait to get something in writing from either, Don;t get bullied bullyed by AIC, ignore them, hang up on them, is the best way,I think, anyway.
  11. Hi, hoping someone can advise, because I think I have dealt with my problem wromgly. Briefly I have held a current account with Alliance & Leicester / Santander since 2002, two years ago I wanted to put my husbands name on my account but I was refused. Even though they refused this it was my husband's pension which was going into my account, and I myself was unemployed recently A&L have started to charge me for my £250 overdraft and for fees for unauthorised overdraft, these range from £5 to £50 in any given month, as a result I wrote to the bank that these charges were unfair, however they defended and refused refund, these occurred because the bank paid items which were not authorised by me, and basically the bank kept me in constant debt with them, they also withheld my husband's pension by not showing it until such times as I was overdrawn again, Earler this month, most of my husband's pension went to the bank in fees for one thing or another and my husband decided to withdraw his pension altogether, as a result, I again wrote to the bank enclosing my debit card and cheque book I registered the letter and the letter was delivered, however the bank themselves have not responded, nor even acknowledged the letter and they are still adding charges on my account, On this months statement they are charging me another £50, What should I do?
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