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Everything posted by spots1

  1. I would`nt offer full and final until you have all the details from the cca .
  2. Nothing they can do to you anyway ...you did say you are paying direct to the water company... so any threat from them is not worth the paper is written on... silly people !
  3. DCA are not allowed to contact work if they do report them ... anyway as said best thing to do is just send them your I.E with relevant info but NO bank satements or the like ...IF THE DONT ACCEPT TRY A FREE DMP cOMPANY TO HELP YOU ...MEANWHILE SEND THEM WHAT YOU CAN AFFORD ...as said have you done the CCA1974 cos they wont like that if you do .
  4. I would advise that you do not ring Equita !!!!!! You can contact HMRC and ask them for a breakdown of all payments and request this in writing ... once seen and you have gone over it you will be in a better position to see where the over payment has occurred. Until you get this information do not do anything else and please do not ring Equita !!!!!! I had an over payment of child tax credit and sorted it out with HMRC ... if these payments are correct you can then ring the HMRC payments helpline and arrange to pay in instalments . Others will advise also .
  5. Got letter stating over payment to us of working families child tax credit ...have 3 months to question it or pay by Oct 6th 2014. Are there any letters / forms that can help with this on the site please.
  6. Hi wintry Just a basic guide for income & expenditure ...which one is accepted the most really ...cheers
  7. Just to put a lighter note on this we used Payplan ...we were asked if we had PPI ...we not sure so we were then asked if SYC could contact us ...after saying yes and talking to them we received a sum of £985 back in PPI from a credit card They did us good and we would have not known about this
  8. Hi frustrated Did you go to court in person ...only reason I ask is if you had done you could have defended yourself more ...the payday company will have had the upper hand on this with the judge I think ...sure there is something you can do but I am not in the know ...truly hope you get it sorted
  9. Hi has anyone got a link to the guide expenses plz:???:
  10. Hi Not sure you really need Moorgate seeing all the letters you have sent to FOS & Lloyds just send them a letter with the ref no. on for the FOS & address & repeat in it that acount is in dispute futher info contact the FOS ....but yoy must send all copies of letters you get from whomever to the FOS ...and yes quote the BCOBS at them. I personally would not like or want Moorgate seeing what you have in letters to the FOS as they really have no dealing in the matter as this was passed over whilst in diispute...other cag members may feel differently but having dealt with Lloyds I would keep it as simple as poss with the FOS contact. Spots1
  11. Well done ....glad to have been of help at this rate you will be able to look ahead and breathe instead of worrying...you must keep a check on your accounts now ...if they add interest or anything else from now on go straight back to them via the e-mail and tell them ...you will find that the depts that send out all the comp generated letters will know nothing so do not even ring the numbers on them. Hope you have been able to feel the sense of power you have when you know you are in the right over these charges . So glad to have been of help.
  12. Geer, Madeline Send an e-mail to this person ...outline all your greivences and mark official complaint ...make sure you get a read reciept so you have evidence of your mail. This is CEO of Lloyds dept and I and others on here have had good outcomes from dealing with this dept. You will got no where by talking on the phone to the depts in lloyds. They will probs not contact you by mail thay usually put a letter in the post but do not give up keep sending mail out each week untill you have a reply sent to you good luck
  13. Thats brilliant And yes we got overdraft charges back so go ahead do it after all they know they have not been playing fair otherwise why would they have given you what they have back...and glad I have been of help... :) keep at them untill you have it all back make sure you check your statements well :)
  14. Think you get parked at the nearest bus stop to see if you can get anywhere to find work ....oh remember now the free bus pass has been stopped till 62 around or end ...maybe you will just have to trawl the job sites or ask if the DWP have any vacancies for the 60 & overs ....lol it`s a joke upping the retirement age when there are all the young wanting jobs ...hope you find out what they do and let us know . Good luck
  15. Twelve weeks will soon be up ...then you can check their compliance file ...then hopefully laugh at them with a letter to state you have no licence anymore
  16. ] Thats good ...was it a heard copy reply or an e-mail reply? Don`t forget to keep at them though every week by e-mail if you have to !!! Good luck spots1
  17. After 1yr 1/2 we finally had a result from FOS regarding complaint to them over FLM ( now known as AMIGO ) . The FOS upheld the compl:amen:aint of harrassment etc. & awarded £75 to us finding FLM ( Amigo ) GUILTY !!!!!
  18. Hi Akasha, they may not reply by mail and I would n`t worry just yet I had postal replies think about 3 weeks after but make sure you send them reminders and get a read reciept to show that it has been seen on their computer
  19. Good luck and do not let them tell you what they will do stick at it ...this is the dept which deals with complaints to the CEO make sure you keep all copies though of your mails ...if you have`nt done so please make sure you ask for a read receipt from your mail so you can tell them that it was read on the receipitents computer:) If this means sending your mail again then do so it`s your postage receipt in a way and you can keep as evidence
  20. We sent e-mail same as letter really but make sure you ask for read receipt and also ask if they want a hard copy of the mail sending though ...wait until they respond until you send a hard copy as then you will be able to send a few copies of your e-mail in one batch ...have to say though they never wanted one from us ...this dept is ...make it high priority mail as well . If you don`t get a reply just send another mail and keep at it no postage cost this way ...it`s a dept in the CEO domain and they deal with complaints that are sent for CEO attention . good luck Thanks dx I will know for next time
  21. Madeline.geer@lloydsbanking.com SEND E-MAIL TO THIS DEPT WITH ALL YOUR GREIVENCES AND TELL THEM WHAT YOU WANT THEM TO DO . why a gap is appearing between the banking part of this mail i not know ...there should not be one
  22. Akasha8uk The mail address should not have a gap between banking don`t know why thats happened good luck
  23. Madeline.geer@lloydsbanking.com Above is the contact no. for a person we dealt with in the head office complaints at Lloyds...we are on dmp and have had probs with Lloyds I wrote to them etc and had no luck finally I got hold of this mail address and sent a mail telling them that I would no longer play letter tennis and they should stop all intrest on the card acc and overdraft account otherwise I would be using the Bcobs or whatever it is . We stated the dmp and how long we had been in it and that they were not being fair ...payplan were very supportive and backed us up with what we were doing with the letters they sent as well. I suggest you e-mail with a strong letter and tell them what you expect them to do...do not ask Tell !!!!! We got all our intrest back and now have no intrest to pay all they have asked is a 6mth budget sheet which payplaqn do for us
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