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meepfest

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  1. Tend to agree with Jamie - have you actually proprosed a repayment plan to them or just asked them what they're prepared to offer? I'd be inclined to respond to their email with an affordable repayment offer requesting their bank details so that you can pay by standing order as you would prefer to continue to deal with them.
  2. Most PDL companies will be entirely disinterested in offering any kind of help unfortunately. Certainly don't contact them by telephone, all contact with anyone involved should be in writing. Out of interest is your money still going into the account that you're in debt with TXTloan with? If so, I'd suggest opening another, basic bank account with another bank in order to protect your money because if the lender has your card details they'll undoubtedly try to dip into the account. You say TXTloan have advised the DCA don't own the debt, did they provide this in writing? If they don't, then as far as I'm aware you're not obliged to deal with them and can in fact deal with the lender direct (other CAGers may be able to confirm this and provide a supporting regulation). As for not knowing who the DCA is, I'd be inclined to ask TXTloan to confirm who they've passed your details onto...
  3. Have you contacted the DCA at all or just tried to deal with TXTloan?
  4. Hi, Thanks for the reply - unfortunately due to lots of issues with PDLs, I know how to cancel CPAs having had to do it in the past. My confusion lies in how Barclays have allowed a card payment of £68 to go out of an account that has no overdraft and was only £0.08 in credit? I dno't understand why they've authorised it, because it's not a direct debit and my understanding was that card payments only got authorised if the relevant funds were available?
  5. Hi, I've just had a phone call from Barclays at work, regarding my cash account with them, as it is apparently £67.92 overdrawn. All the direct debits against this account have been cancelled and the account hasn't been used for months, in fact I was thinking about closing it. I asked what had taken it overdrawn, and after a lot of faffing about the guy on the phone said it was a card payment for £68 for the AA taken on the 19th of December. I had £0.08 in the account, and they have authorised a CARD payment for £68 - can they actually do this?? I know they're obliged to pay DDs but thought with a CPA, which this presumably is, that if there were no available funds then it wouldn't be paid? I am going to speak to the AA tonight to see if they will refund whatever this is for, because I don't have insurance or breakdown cover anymore and don't recall agreeing to anything like this, although I obviously have at some point. I don't hold out much hope... I'm just wondering what the legal standpoint is with Barclays, because I don't understand how they've put my overdrawn, on an account that doesn't have an overdraft, for a debit card payment....
  6. In reply to Jamie - whilst ordinarily I would certainly prefer Microlend to be out of my hair, I'm far more amenable when people are polite, professional and don't insult my intelligence - the fact that they have accused me of blackmail, been rude, obnoxious and entirely underestimated me mean that on principle this is one thing I'm not going to let go of and brush under the carpet. If they want to take me to court over £89 they're more than welcome to! In reply to PDLvictim: I intend to do exactly that, because I can't in all consciousness ignore what they have done to me and, from what I've read, a lot of other people. In reply to Renegadeimp: would have loved to have recorded them - his initial I'm a caring sharing kind of guy mask soon slipped when I refused to talk to him!
  7. Thanks, am intending to ask in my next email to them what they were prepared to offer over the phone but unprepared to offer in writing, especially since I had already requested they didn't phone me. I'm going to wait to reply to them until this evening, simply because I am so angry that my reply would be extremely counterproductive!
  8. And here's the email they've sent (they phoned the 2nd time just after this came into my inbox): Dear XXXX, Thank you for your email. I should start by advising you that as you have a complaint you should follow our complaints procedure to ensure your complaint is handled appropriately and via the proper channels. This will also ensure no delays in having your complaint handled correctly. You can find our complaints procedure on our website. If you require a copy of this please let us know. In response to your email. You did not suggest going to the OFT to complain as you infer in your below email, your exact text was 'will be taking the matter to the OFT as a breach of guidelines if the matter is not dropped.' - what would you class this as if not blackmail, and why do you feel that we have breached OFT guidelines with regard to our charges? In addition I don't see how confirming what you had written was blackmail suggests our practices are highly questionable. What practices are you referring too exactly? You clearly state that if we pursue you as per our signed agreement for monies outstanding on your account you will complain to the regulator. What are you threatening us to complain about exactly and why have you not sought to follow our complaints procedure if there is a valid complaint to be made? You provided us your debit card details and your signed contract clearly states that we reserve the right to debit any outstanding amounts from the details we hold for you when they become due or overdue. This is what we did. Please explain further where you feel we faltered here? We always advise customers to get in touch with us prior to missing payment or if they believe that there may be an issue repaying as agreed. We debited your payment one hour before you advised us of your difficulties repaying in full, prior to which an email was sent but no response received and a telephone call was made but not answered. Why did you not advise us of your financial difficulties prior to missing payment? All we have debited is the agreed repayment amount of £325.00. We do not believe that this payment was debited in an underhanded fashion as you so accuse us of. You failed to inform us of your intentions to default on payment until after we had debited payment. What do you class as underhand in this situation? Please explain why you feel the need to dispute the charges placed on your account? Are they not clearly mentioned on your signed agreement? Where they not referred to on your notice of late payment? Did you not agree to them when you took out the loan? Please clarify these points so I can understand your position further. As requested, we hereby confirm your requests not to debit any further payments from you despite the outstanding balance. We confirm this request will be adhered to unless expressly agreed to in writing from you. This is the first request of this nature that has been made to us either by telephone or in writing and we have agreed to this straight away as is expected of us. Do you have any issues with this? We refer back to our original correspondence whereby we have accepted your repayment offer of £10.00 per month for 3 months with a view to revisit a more suitable repayment plan and have therefore been very accommodating to your current financial difficulties. You have nevertheless failed to confirm when your first payment will be made. We have confirmed our bank account details as well, as requested. Do you require further confirmation of our details? What issues do you have with the way we have dealt with your account since informing us of your intention to default? As previously advised the current balance on your account is £89.00. In the event that a suitable payment arrangement is not confirmed and agreed to your balance may increase further and result in court action being taken against you. Please refer to your signed agreement, in the event that an arrears or default notice needs to be sent to you they will be charged at £12.00 each. On a side note we attempted to speak to you today in order to discuss possible resolutions but you requested that we do not speak to you. We will respect your wises and ensure that none of our staff contact you by phone. Kind regards, Yours sincerely, Micro Lend UK COLLECTIONS DEPARTMENT
  9. Update, because I am SO angry. Just had a phonecall from David Greenspan ("one of the higher directors of the company") of Microlend. Actually, make that 2, he's just phoned again. 1st phone call - "we can resolve this today if you speak to me over the phone, and there's an opportunity for you to get some money back". I ask for this to be put in writing. Anything to be put in writing would be "defensive and get both parties backs up". I don't want to discuss it over the phone. "So you don't want any money back today then?". No. (I refused this on principal. It has angered me and further raised my suspicions). 2nd phone call (after they've sent an email that I've not had an opportunity to read): "So, you're not prepared to discuss this over the phone and get any money back today?" No, say I. "Well, I don't believe you have no money at all then. I don't believe for one second you're penniless". Oh, you don't? Told them not to phone me again. Now, I can assure you, that I have only £10.04, and £10 of that I borrowed from my pensioner mother. Words cannot express how completely DISGUSTED I am - they accuse me of blackmail, then ring me (which I've requested they don't do), twice, to try to "resolve the situation", in effect trying to sweep my complaint at their shoddy business pracices. I am LIVID.
  10. (It should be noted that they did provide their bank details, but this was after they had already raided my account and recovered the £325, which at the time I requested them I was unaware of)
  11. Thought I'd post my latest email to them, which includes their "blackmail" accusation. Am in the process of submitting complaints to OFT and FOS - have removed any of my identifying details: Dear Sir/Madam, Further to my last email, I believe you to be in breach of the data protection act 1998 and am submitting complaints to both the Office of Fair Trading and the Financial Ombudsman Service. It is interesting that you should treat my suggestion of making a complaint to a governing body as “blackmail”, since it is a) extremely unprofessional of you to make such a statement and b) suggests that you are more than aware that your business practices are highly questionable. The card details against which you have processed repayment of this loan were given to you over the telephone on 15.08.12 as a one off payment for a loan that was not credited to the bank account associated with said details. These card details, ending in XXXX, were not entered online as part of a loan application, nor were they submitted in writing. You have kept these details on file without my permission and used them without authorisation to debit £325 from my account. At worst this is a breach of the data protection act, and it may also present a breach of PCI compliance dependent on how you have stored my data. Whilst I am in no way “avoiding paying”, I explained that I am experiencing financial difficulties and offered to arrange a payment plan – whilst I was in the process of making this offer, you were busy debiting all my remaining cash for the month for food, petrol to get to work and other expenses in an extremely underhand fashion, neither with my authorisation or express permission. You have left me without money to feed, clothe and otherwise look after myself and my household for an entire month, and are still claiming that I owe £89 for your so called fees. These fees are neither in proportion to the debt nor its recovery, and regardless of what is stated in your terms and conditions or in your loan contract, I dispute them all without prejudice. I have lodged a dispute with the Co-operative Bank against the transactions you have made against my account, and herewith withdraw any and all permissions originally given for the use of any and all card details you currently hold for me. Continuous Payment Authority for any card against any bank details you hold is now withdrawn in accordance with the payment services regulations which are run by the Financial Services Authority, and any more payments taken from any of my cards will be an unauthorised transaction. I have written to both Lloyds and Co-operative Bank to confirm this. Any further correspondence between myself and Microlend is to be carried out in writing, to this email address – I withdraw permission for you to contact me by telephone. I also withdraw permission for you to correspond with my employer either by telephone or in writing. Let it be noted that any further correspondence between myself and Microlend will be forwarded to the Office of Fair Trading and the Financial Ombudsman Service as and when I deem necessary. Sincerely, (Name) (Address) From: Micro Lend UK Sent: 15 January 2013 14:34 To: (email) Subject: Re: Payment - Urgent (Name), Thank you again for your email. £52.00 - initial late payment fee - your agreement clearly states that payment must be made by 09.00 am - this deadline was missed £12.00 - this is per email or letter, an email was sent at 06.30 am due to your default £25.00 - we attempted your payment and it declined, this comes with a charge of £25.00 These charges are all written clearly in your agreement. We have not and will not raid your account nor bully you into paying. We are merely requesting that you pay what is rightfully owed to us. We do not appreciate being blackmailed, which is clearly what you are doing in order to avoid paying. You requested to repay in stages and we have been more than accommodating in accepting your proposal and providing you with our bank details. Please explain where we have gone wrong. Yours sincerely, Micro Lend UK COLLECTIONS DEPARTMENT T: 0845 116 8000 F: 0845 116 8001 E: P: PO BOX 48563, London, NW4 9BA Confidentiality notice This message is intended solely for the addressee and may contain confidential information. If you have received this message in error, please send it back to us, and immediately and permanently delete it. Do not use, copy or disclose the information contained in this message or in any attachment. For information about how we process data and monitor communications please see our Privacy Policy and our Terms of Website Use Policy. Micro Lend UK Limited is a limited company registered in England and Wales with registered number 6537710. Our registered office is at PO Box 48563, London NW4 9BA. We are regulated by The Office of Fair Trading. We are authorised and licensed to enter into consumer credit loan agreements have a Consumer Credit Licence (Consumer Credit License Number: 615977). On 15 January 2013 14:24, (email) wrote: Hi, “Initial late payment fee” – the agreed repayment date of the loan was 15.01.13, it is still 15.01.13, and you have, albeit in a covert manner, recovered your £325, which is the original loan amount of £250 + £75 interest accrued and the agreed amount. I dispute this charge. “Correspondence charge” – you have not sent me a letter in the post, and it does not cost £12.00 to send one, or in fact a series, of emails. I also dispute this charge. “Failed debit card charge” – it does not cost £25.00 to use a card machine or any other card processing method for a single, or even multiple failed transactions. I also dispute this charge. Since you have already raided my account and left me with nothing, having recovered your agreed repayment of £325, I would suggest we call the matter closed. I will not be bullied into paying an additional £89 of spurious, overinflated charges and will be taking the matter to the OFT as a breach of guidelines if the matter is not dropped. (name) From: Micro Lend UK Sent: 15 January 2013 14:11 To: (email) Subject: Re: Payment - Urgent Hi (name), Thank you for your email. Please refer to your contract: £52.00 initial late payment fee £12.00 correspondence charge £25.00 failed debit card charge Yours sincerely, Micro Lend UK COLLECTIONS DEPARTMENT T: 0845 116 8000 F: 0845 116 8001 E: P: PO BOX 48563, London, NW4 9BA Confidentiality notice This message is intended solely for the addressee and may contain confidential information. If you have received this message in error, please send it back to us, and immediately and permanently delete it. Do not use, copy or disclose the information contained in this message or in any attachment. For information about how we process data and monitor communications please see our Privacy Policy and our Terms of Website Use Policy. Micro Lend UK Limited is a limited company registered in England and Wales with registered number 6537710. Our registered office is at PO Box 48563, London NW4 9BA. We are regulated by The Office of Fair Trading. We are authorised and licensed to enter into consumer credit loan agreements have a Consumer Credit Licence (Consumer Credit License Number: 615977). On 15 January 2013 14:03, XXXX wrote: Hi, £325 + £89 is £414, the original repayment was for £325 against a loan of £250, where has the extra £89 materialised from in the course of the 14 hours of the repayment date?? As far as I am concerned you have had payment in full if you have debited £325. (name)
  12. Hi PDLVictim, Thanks for the advice, I did wonder if there was a DPA breach there since the card details were given over the phone, have already advised Microlend I'm not paying their charges (which they are of course chasing) and that if the matter is not dropped I'll report the matter to the OFT, and they accused me of blackmailing them! (Their words not mine). My response is going to be along the lines of, if you have nothing to hide and have behaved in a responsible and legal fashion then you have nothing to worry about!!! Will be reporting them to the OFT and FOS, as I've seen so many horror stories about them on here and MSE forums that extra fuel for the fire can only be a good thing!
  13. Hi, Thank you very much for your responses so far - I will be calling them in the morning to see what the progress is (no word yet, surprise surprise)
  14. Yes, it was Visa Debit - they're saying they're "investigating" and will give a follow up call (though they haven't stated when), although I intend to call them daily to find out the progress.
  15. Thanks also to Conniff - have done this, and is pending investigation. I can't wait for the day when my money is actually my own and not owed to all and sundry
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