MichaelMarsh
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Everything posted by MichaelMarsh
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Hi My self and partner currently receive our prescriptions/dentistry etc free because we recieve housing benefit. My partner missed a dentist appointment a couple of months ago and later receieved a letter of her dentist saying that she owed them £17.50 for missing the appointment. She advised the receptionist at her dentsit that she had her dentistry paid for an apologised for missing her appointment and we heard nothing else until now. We recieved a debt collectors letter today saying that they were acting on behalf of the dentist and my partner owes them £38 (this is for the appointment she missed). Are they allowed to do this even though she has her dentsity paid for? Thanks for any replies in advance M
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Hi I think you will have to wait for the liquidators to make contact with you to arrange payment.
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I know, I did still make a complaint to the FOS but doubt I will hear anything else regarding the matter after Barclays gave me my goodwill gesture. at least we got our money back. I got no were until I got that email address for Paul Maddox. I know of 3 people who have money refunded via goodwill gestures after emailing him now.
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DMP termination fee
MichaelMarsh replied to MichaelMarsh's topic in Debt management and Debt self-help
Yeah, defo Long 5 years ahead of me but it will be worth it. -
DMP termination fee
MichaelMarsh replied to MichaelMarsh's topic in Debt management and Debt self-help
Yes I have cancelled direct debit and standing order My creditors meeting went as best as I could have imagined. I had £62,00 worth of debt with £46,00 of that being a shortfall on a house. My 2 biggest creditors amounting to £54000 accepted with no modifications at 13p to the £1. Obviously my IP wa happy about this also as his fees were not reduced either. I had 1 creditor asking for the IVA to be increased to 6 years and payments to go up by an extra £50 a month, but they only accounted to 8% of the vote so they're modifications were rejected. -
FYI I've just entered into IVA and one of my creditors was Pound Access. I've been recieving an awful lot of emails of them telling me that they're issuing a CCJ and passing my debt on to a 3rd party so I decided to call them to advise them that I was in an IVA and that they were legally bound to the terms, only to be told by the woman who answered the phone that Pound Access had gone into liquidation.
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DMP termination fee
MichaelMarsh replied to MichaelMarsh's topic in Debt management and Debt self-help
Hi Sorry for the long reply. My debt management Co was Knightsbridge Financial. Since I emailed them back on 8th March asking for proof of the termination fee in any contract that I had signed I have heard nothing since. -
Sorry for the long reply. I'm glad my advice gave you the result you were looking for M
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If anyone has any problems with Barclays allowing payments after CPA has been cancelled email - [email protected]. I emailed him and all money was refunded, they even gave me a good will gesture payment.
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Safe Guarding your account
MichaelMarsh replied to MichaelMarsh's topic in Payday Express/Wage advance/Cashtillpayday
Yes, but they said if the company takesit they can only chargeback the money once it appears on my statement. It can take 3-4 days sometimes and it's my daughters birthday on Monday so can't risk it. -
Safe Guarding your account
MichaelMarsh replied to MichaelMarsh's topic in Payday Express/Wage advance/Cashtillpayday
Owed 523 pounds to CFO today so I'm sitting up to safeguard it tonight. Just called the bank and they said it normally hits the account between 1 and 1.30am, but don't want to risk setting an alarm to see the money has gone like the other night. -
Hi I'm just about to enter into an IVA if all goes well (creditors meeting 25th March) so wrote to my current Debt Managment company to inform them to cancel my DMP with them selves with immediate effect. They emailed me today saying that want a termination fee of 1 months payment to close the account down. I emailed them back asking for documentation that I had signed agreeing to a termination fee in any sort of contract as I knew nothing about this procedure. Have I done the right thing and are they allowed to do this? Thanks M
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Safe Guarding your account
MichaelMarsh posted a topic in Payday Express/Wage advance/Cashtillpayday
I'm just awaiting my creditors meeting for an IVA which is a couple of weeks and I have had lots of problems with PayDay loans trying to empty my account, although I have gotten all the money back off the bank. I've swapped most my income over to a new account but there is still a few that haven't happened as yet. My daughters DLA is due to go in tomorrow so I'm planning to stay up to safe guard the money and trasfter it to my other account as soon as it goes through. My question is what time do BACS payments go into your account? Is it midnight? Thanks M -
I will still make the complaint. The money is already back in my account and appears on the statement as "Good will gesture"
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So I emailed the Customer Relations manager back at barclays who gave me her email address yesterday (who I have to be honest, has been brilliant through out) and she put the money back in my account as a good will gesture. Finally a result!
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Update: After making a comlaint with head office they temporarily reversed the transaction allowing me to take the money out of my account. However I looked at my account today and it is £127 over drawn. I rang the visa debit card services at barclays once again and they told me that even though the transaction was temp reversed it didn't stop Pound Access from claiming the funds and they are unable to charge it back to me as the CPA was not in place with this company on the date my letter was recieved. If I want they would send me dispute forms in the post but it could take up to 8 weeks to have an answer. Barclays.... You ****ing tossers!!!! Just can't win, I might just send a letter straight to the CEO.
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After speaking to several people at Barclays plus a manager they have told met hat they can't cancel these 4 payments that have been taken today. They have said that they did recieve my letter requesting to canclem the CPA's and Pound Access was on the letter, but at the time of recieving it Pound Access did not have a CPA set up on my debit card so when they took the firsr ever payment this morning this would have to stand. Is this correct or they just trying to FOB me off?
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After speaking to several people at Barclays plus a manager they have told met hat they can't cancel these 4 payments that have been taken today. They have said that they did recieve my letter requesting to canclem the CPA's and Pound Access was on the letter, but at the time of recieving it Pound Access did not have a CPA set up on my debit card so when they took the firsr ever payment this morning this would have to stand. Is this correct or they just trying to FOB me off?
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I rang Barclays back and spoke to someone else who said that they would refund they payment, but not until it shows up on my statement. Is that correct?
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Thanks again for all your help M
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This is the letter I sent them: Cancellation of payments and Continuous Payment Authorities To whom it may concern After getting into a little bit of financial trouble we are now in the process of setting up an IVA. Therefore we are writing to advise you that with immediate effect, we withdraw our authority for all future payments to be debited from our debit cards/back account to the following companies in respect of payday loans. Payday Express Monkey Dosh Pound Access Square Money Minicredit CFO Lending This is in accordance with our rights under the Payment Services Regulations 2009, which state: “The payer may withdraw its consent to a payment transaction at any time before the point at which the payment order can no longer be revoked under regulation 67.” Please confirm in writing that this instruction has been received and actioned. We look forward to hearing from you Yours Faithfully
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Hi thanks for the reply. Yes I did inform the bank before the money was taken and the bank agreed they had the letter but because it was the first time the company had taken any payments from my account there was no CPA in place, so the could only recharge back future payments taken but not this one. They said I'd had to take the matter up with pound access.
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I cancelled all CPA's with the bank in writing as I'm a about to enter into an IVA. This morning Pound Access took 3 payments off my card so I rang Barclays to inform them. Barclays said that because this was the first time this company had taken any money out of my account they could not recharge the money back for these payments, only further payments going forward as no CPA was on place until they took the first payment. Is this right?
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I did send the bank a letter to cancel any CPA's with pound access 2 weeks ago. But this was the first time they took finds out if my account.
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Following on from the above I cancelled all CPA's with the bank as I'm a about to enter into an IVA. This morning Pound Access took 3 payments so I rang Barclays to inform them. Barclays said that because this was the first time this company had taken any money out if my account there was no CPA in place so they could not recharge the money back for these payments, only further payments going forward. Is this right?
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