I am not surprised that your guarantor is being contacted, and I can forsee the fact that this person has agreed to guarantee this loan when they are not in a position to meet the obligaion is going to cause more problems.

 

I am sorry to say I cannot see any wrong doing by FLM here, they have correctly it seems issued a default notice giving you a chance to remedy the situation by paying £102.00.

 

You have a difficult situation that perhaps needs ''local'' help such as the CAB or National Debt Line to negotiate for you as quickly as possible.

They have sent me the following letter also to my guarantor.

I've explained that Harvey Sturtt specialise in recovering customer debts and that a County Court Judgment (CCJ) is an option they'll use if your account continues unpaid.

You know they have the option to enforce the CCJ through bailiffs repossessing yours and Guarantor goods, but you also need to know that they could apply for an attachment of earnings.

An attachment of earnings can be claimed against you and Guarantor as long as one of you is in employment now or in the future.

We both are unemployed so both of us can't make payments, also whilst in employment I made £530 payments on total. The original loan was £500 so surely the court will see this?

FLM QUICK,Payday loans,loan sharks,threatening behaviour, super high intrest rates.

FLM QUICK

Hi I’ve taken a small loan with FLM Quick of the amount £500 in approximately in May to July 2011.

I was at that time in full time employment and had been for 9 year’s.

Towards the end of February I resigned from my job and now I am unemployed and am on JSA.

Since I’ve taken this loan I’ve been charged £558.23 & that’s all INTREST& CHARGES.

Some month I have had INTREST & CHARGES two times within a month and even three times a month.

They are now e-mailing me and texting and phoning my guarantors home phone and mobile and leaving her text messages and e-mails. I have a Guarantor that’s unemployed and was when I was given this loan from them. I have written a letter to them which I have put below but with of course parts edited.

This letter has been totally ignored, phoned my bank they have put me on a money management plan so no one can take money for 6 month as I am already overdrawn.

But yet they have my guarantor bank details and have taken money out of her account.

She phoned the bank (halifax) but there is nothing they can do as it’s not a Standing Order and it’s not direct debit. They say it’s a card payment, she has only ever authorised payments to be taken out once yet they have taken two extra payments without her consent or authorisation.

Since I had a very harsh word with the bank the wrote to

My guarantor and have Lissen to her request and cancelled FLM Quick from taking any further payments from her account. ( Good result).

I have paid FLM £500 I took from them but now they want me to pay them all this interest. I am unemployed and so is my guarantor surely they cannot treat us like this.

My guarantor has since had calls and we both have had letter. The most resent one sayes pay £102 to bring you account upto date to avoid default being given against both of us.

What should I do? What's my next move please.

If you think you can help please do I am looking to take this futher, sue them for harassment etc...

Think it should also be noted that if the keys were left in the ignition (which I am sure and hope they were not) there is no claim for the theft of the vehicle.

In regards to the £3,000 if that was his own personal money then as UB67 said it would not be covered under his motor or home contents policy. The only way that the money would be covered would be if it was under a commercial policy which covered Money under an All Risks basis in respect of loss or destruction of or damage to money in Transit and on the Insured Premise which would cover £2,500 - £10,000 but general exclusion being during normal business hours and on route from premises to bank.

It's not so much the money he would like to now and see who done this to his car.

I now for a fact he never did report the money as it would go against him when Cali

Ing Insurance. He did not leave the keys in the car, the police were not helpfull at all.

How can he approache the police to look into the CCTV please.

Also I write a new thread and am not sure where to post it and then can't find it can you tell me how to do this pleas?

Many thank

Think it should also be noted that if the keys were left in the ignition (which I am sure and hope they were not) there is no claim for the theft of the vehicle.

In regards to the £3,000 if that was his own personal money then as UB67 said it would not be covered under his motor or home contents policy. The only way that the money would be covered would be if it was under a commercial policy which covered Money under an All Risks basis in respect of loss or destruction of or damage to money in Transit and on the Insured Premise which would cover £2,500 - £10,000 but general exclusion being during normal business hours and on route from premises to bank.

It's not so much the money he would like to now and see who done this to his car.

I now for a fact he never did report the money as it would go against him when Cali

Ing I surance

I have tired I have even said I will report you to the Trading standard and FOS. I even took the names of the supervisor as it might make them think twice that didn't work.

Ok that did work after a short but furring conversation my guarantor got a letter throw the post cancelling any payment to FLM.

Now they want to give me a defult notice.

What should I do?

I am still on JSA, yet they want money.

What shall my next move be, I have till Monday 3rd Sep 2012 to get this letter off to FLM.

Many thanks

Hirenegadeimp,

I’ve posted it off today so let’s see what they say to me, I also got a letter from them saying the amounts £4....p was due on..... May 2012 has failed to clear.

 

Despite repeated attempts to contact you by phone and SMS we have been unable too btain a payment etc.......

We are also in the process of contacting your guarantor.............. About the arrears.

 

Logging on www.flm........And make a payment immediately.

Also you said CCA what is that???

 

Ok I have my breakdown from FLM QUICK can you please have a look and tell me what I can do?

I'm using my iPhone and have a copy which is edited on my iPhone I scanned it in.

How can I post it here? Or is there a e-mail I could send it to pleas?

Hi my friend was parked up in a Heath clinic when his car was stolen.

Also he had around £3000 in his car which has also been stolen.

When he realised and called the police they only stayed to ask him questions and take notes for around 5mins.

What I wanted to now how do you get the police to help you check the CCTV cameras in the area and the CCTV in the health clinic?

What can me friend do to get back his car or the value of the car?

Thank you for your help.

Not sure where to put this, but have put in insurance thread.

 

Did you register your phone with the insurance company?

I don't think he has, it's for a Friend he needs help. I will ask and type it here. But I'm sure he has not, not unless they do it automatically which I don't think they would.

I have insurance with Barclays because I have a card so my mobile technically is covered.

I lost my phone and wanted to now about claiming the phone throw my Barclays card insurance.

Also if there's any advice I should consider before

Making a claim?

as far as i'm aware its YOUR BANK, that you fire this off too

 

nothing to do with FLM!

 

the bank must act on your instructions!

 

dx

I have tired I have even said I will report you to the Trading standard and FOS. I even took the names of the supervisor as it might make them think twice that didn't work.

does this help?

 

We have been telling people to put a letter into their bank instructing them not to make any payments under any circumstances to these companie

http://whatconsumer.co.uk/visa-debit-chargeback/s - it works!

 

banks MUST follow written intructions from their customers !

This fsa guide has now been updated:

 

http://www.fsa.gov.uk/pubs/consumer_...ghts_guide.pdf

 

Here's the text:

 

Cancelling a regular

card payment:

 

When you give your credit or debit card

details to a company and authorise

them to take regular payments from

your account, such as for a gym

membership or magazine subscription,

it is known as a ‘recurring transaction’

or ‘continuous payment authority’.

These are often confused with direct

debits, but do not offer the same

guarantee if the amount or date of the

payment changes.

In most cases, regular payments can

be cancelled by telling the company

taking the payments. However, you

have the right to cancel them directly

with your bank or card issuer by telling

it that you have stopped permission for

the payments. Your bank or card issuer

must then stop them – it has no right to

insist that you agree this first with the

company taking the payments.

Be aware, though, that you will still be

responsible for paying any money that

you owe.

see: http://www.consumeractiongroup.co.uk/forum/showthread.php?336569-How-to-remove-a-lender-s-continuous-payment-authority(2-Viewing)-nbsp

dx

Don't now where to start its not a Direct debit or standing order so the bank won't do anything. The bank said she has to cancel with FLM first then FLM have to let the bank now it's canceled then the bank can take action. I don't want to talk to FLM as been adviced what shall I do next I've even sent FLM a recorded letter heading CANCELATION OF CONTINUOUS PAYMENT OF AUTHORITY. Just seems to be ignored.

Need help please

FLM QUICK

Hi I’ve taken a small loan with FLM Quick of the amount £500 in approximately in May to July 2011.

I at that time was in full timeemployment and had been for 9 year’s.

Towards the end of February I resignedand now I am unemployed and am on JSA.

Since I’ve taken this loan I’ve been charged £558.23 & that’s all INTREST& CHARGES.

Some month I get INTREST & CHARGES two times within a month and even three timesa month.

They are now e-mailing me and textingand phoning my guarantors home phone and mobile and leaving her text messages ande-mails. I have a Guarantor that’s unemployedand was when I was given this loan from them. I have written a letter to themwhich I have put below but with of course parts edited.

This letter has been totally ignored, phoned my bank they have put me on amoney management plan so no one can talk money for 6 month as I am already overdrawn.

But yet they have my guarantor bank details and have taken money out of heraccount.

She phoned the bank (Halifax) but there is nothing they can do as it’s not aStanding Order and it’s not Direct Debit. They say it’s a card payment, she hasonly ever authorised payments to be taken out once yet they have taken two extrapayments without her consent or authorisation.

What should she do now as the bank are clearly not helping and FLM are writingto me saying they will take further action.

I have paid there £500 I took withthem back but now they want me to pay them all this interest. I am unemployedand so is my guarantor surely they cannot treat us like this.

If you think you can help please do I am looking to take this futher, suethem for harassment etc...

You have cancelled the CPA on your bank account - has your Guarantor also sent the letter cancelling the CPA on their account? If not and you have missed a payment, it will probably be stated in your Guarantors contract that they are liable for your missed payment, and therefore unfortunately (if they have not cancelled the CPA on their account) it would be unlikely that they will get that money back. You need your Guarantor to also cancel their CPA with FLM and the bank, advise that they are on benefits and state that they also can not meet the obligations of your loan at this time.

 

With regard to the loan, how much does it state on your agreement is the total (principal plus interest) you have to repay? This is what you are liable for (and I very much doubt they only charged £30 for interest). You say that the amount remaining is the same as the total loan taken which, reading between the lines, would mean that your original term was 18-24 months?

I sent FLM a letter headed CANCELLATION OF CONTINIOUS PAYMENT AUTHORITY.

I also stated "I withdraw my authorisation formyountontake payments from my account or my

Guarantors account.

She didn't cancell with the bank

But surely FLM have broken the law after all I did send then a letter on the. 18/05/12 I have below the letter i sent.

Also they statement I have scanned so

Please do have a look and

Anyone else.

Hi I sent FLM quick a letter 18/05/12 which I do have a receipt off as it was recorded delivery.

I typed a letter to them heading Cancellation of Continous Payment Authority.

Stating I am facing hardship so I have cancelled payment with my bank ,in accordance with The PAyment Services Regulation.

I also have spoken for my guarantor, it's now 11th June and my

Guarantor has had money taken out of her account.

She is also on income support,single mother.

My loan of £500 a year ago, I have payed back £530 so fare including charges and fees.

So surly I have payed this loan back??

Any idea what I can do

And how I can get this money back take today please?

Correct. We do not permit discussion of how best to deceive the DWP.

 

So, I'd ask those doing so to stop.

Yes that's fine and once again thank you

For the knowledge

Have a look here. This will give you all the details you need re passports and also information on becoming a British Citizen.

 

http://www.direct.gov.uk/en/TravelAndTransport/Passports/index.htm

Thank you will look at it now

You have left too many variables indeterminable. Can you be more specific please?

Been in uk 10 years got her indefinite stay 8years ago now just wants to apply British citizen.

Hi Geeza.

Is your friend already a British Citizen?

No but she been here 10years and has indefinite stay 8 years ago.

My friend would like to make her British nationality to*become a British citizen.

I.e she needs to change

Her passport for a British passport *What's the process please ?

If it is the 2nd time then he will not need a doctors note.

 

If he misses any future appointments in the next year then it will be declined and will require a note from the doctors and may be required to move onto Employment Support Allowance.

Great info, he was on Class 1 National insurance contributions but I think that run out

Now he is on JSA.

As long as he signs on within 5 days from the original sign on date it should be ok. If he was ill and missed his appointment they will allow him to sign on and will back date the claim to his original sign on date. They only allow for illness 2 times in a year.

Right I see, it is his 2nd times as well so maybe try will let

Him pass this time??

would a doctors appointment proof be needed?

Because He air got any kind of proof (wink). lol

Hey,Yup, i should have recorded the coversation i had with them would have probably saved myself £150... it makes you question the sanity of the people who regulate these 'banks'; they are willing and allowed to lie to their costumers in order to take even more tax payers money (JSA in my case) ontop of the billions they have already been given. i honestly think they couldnt care less.

I'm with Halifax and have been since 2002. From haveing a job to now JSA I had to sort out my charges as so I phoned Halifax and got transferred to MONEY MANGENT TEAM.

They did help me took Away some of my bank charges also refunded some money and put my Ultimate account on hold.

So this way I don't incur any charges I has to slowly pay back my overdraft and charges.

I have up to 6 months to do so and then we have also opened a current account for me.

I list the number of that's ok?

Please do let me now as I dont want to break any rules so need to ask First.

They should of asked why he failed to attend and they should of given him an appointment when he can go in an explain why.

 

You are allowed 2 missed appointments per year through illness but I am unsure if you just forgot to sign-on would count as the 2 missed appointments.

Thank you for your reply,

All they said on the phone is you have 5 working day to attend at anytime you want.

It is his second appointment he has missed, also he did just tottaly forget he had an appointment.

He is new to JSA as hehas allways worked so it just slipped his mind.

But of course he can't say that, any

Ideas how he can solve this, what to say as today he will go to sign on.

I can't work out where to post things and

If it is the correct forum.