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About Matthew31

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  1. As I can't edit, I will post something else I had to add. Now in no way am I blaming the bank for my own actions of what I did. The complaint about them really is more to do with them being fully aware of my gambling problems, how during a slip I end up creating/extending my overdraft, losing the lot and putting myself in debt (as well as incurring £1 a day in bank charges), yet they will not remove the authorised overdraft facility permanently from my account. Furthermore they have allowed me in February 2016 to extend my overdraft to £2000 (which seems like an irresponsible amount
  2. I'm just wondering if this is in breach of responsible lending rules and if I could do anything about it. Years ago I realised I had a bit of a gambling problem and when having a slip what would happen is I would lose all of my money, then keep extending my overdraft to the maximum chasing the loss until everything had gone. Around 2 or 3 years ago I told Santander about this gambling problem and made it clear to them I wanted no overdraft facility on my account whatsoever. At the time they told me that overdraft facility had been removed from my account. I tried to create a £50 over
  3. As it turned out, this breach wasn't anything to do with anti-virus, ebay or Paypal. It was to do with someone accessing my email account and using it to change my password on ebay. What they did was accessed my email, set filters to incoming ebay and paypal emails so it's diverted to my deleted folder (So I wouldn't see any future emails from ebay in case they did flag it as suspicious. People say about changing your password frequently, but, there is actually no way to change your password via orange's webmail system. For anyone who knows what webmail platform I am talking ab
  4. 100% because I am an expert. Over 20 years experience and a wide computer knowledge. Viruses come in several forms including crypto (ransomware) and keylogger. Anti-virus software is mostly just there as insurance. It allows people to carry on with their normal activities but gets them out of a potentially bad situation if they download something they shouldn't have. The most common ways of compromising someones account these days doesn't even require the host system to download a virus. It's through the spoof emails people get that pretend to be from a certain company requiring them
  5. Thank you for the reply. The thing is, I only had that much left in my bank so it was the only thing they could take. The only thing I can imagine it being is a few years ago I lost my mobile phone. It didn't have a lock on the screen. It was reported to my phone provider and all they could do was cancel the sim. I think this was linked to my google+ account (Which stores passwords and updated passwords). If someone recently found this phone, charged it up and got into my eBay account, they might have made the purchase. Whoever did it, knew what they were doing. As so
  6. Hey, just wanting to know where I stand. Let me start with saying i'm no newbie to computers and this wasn't a case of me giving away my login details via some [problem]/phishing email. I have more than 20 years computer/internet experience under my belt and even have no use for anti-virus software (put it this way, I know to avoid anything which might gain me a virus and know the system registry and background tasks like the back of my hand). My ebay account has been up and running for just over 15 years without a problem. eBay has always been fine for me. To
  7. Not a problem, I like updating with the end result to help others as well. Hahah, I wish, although I might manage a small break out of it considering the weather here doesn't look like it's getting better anytime soon
  8. Thank you all, So what I did, rather than phone them (seeing as I was determined to do it online as thats what the online account is for) is click again on "Banco San SA EUR0.50 REGD". As it happens, once filling in details on that page its brings me to another page that shows amount of shares I own, how many I want to sell and to get a quote. A timer starts ticking to sell it for the quoted price and I can choose to sell at that point. The quote shows fees (£15), estimate proceeds and everything else. Thanks again
  9. Thanks Maroondevo52. Indeed I did have a look at that earlier but it didn't make that much sense. Puzzles me why they don't just explain and make it simpler.... "Click sell shares in your account. Drag the slider to how many shares you want to sell. It will show how much money you will be paid for them after fee's. Click sell and we do the rest"
  10. Can I just ask about this process? I currently have 250 shares (santander) that are on my Equiniti shareview account online. Under my account it shows them as "Banco San SA Ord EUR0.50 CDI" I go to the buy/sell section and search for Santander but 3 share descriptions come up? The closest match is "Banco San SA EUR0.50 REGD". Would I sell as that 1? The others shown are: "Santander UK Plc 8.625pct perpetual non-cum" "Santander UK Plc 10 3/8% perpetual non-cum Pref GBP1" *Actually as I type this up, I see the "Banco San SA Ord EUR0.50 CDI" is the only 1 that says "
  11. Another q for those that might know. I was on carers allowance and income support up until April, so I gather NI credits were paid? Does that mean when I apply, I choose contribution based ESA? thanks
  12. Been up all night worrying... Just to also ask, on the ESA form it says about sending my last P45? I haven't been in a job since 2012. But 1 of the questions on the forms says I would need to send them my P45
  13. Thanks flecth, first.... I should have a certain amount? As in why I should be entitled? (Sorry if I read it wrong) I lose my home eventually otherwise. I was on carers allowance until mum died in February as I cared for her. They carried on paying this for 8 weeks after the death of mum (government rules). After, both CA and HB were stopped. As I was in a bad place I claimed HB on a "nil income" basis. When the inheritance came through, I declared it to the HB team who calculated I am entitled to full HB still as when they calculated my income (£1 for every £250 over £6000) it was £25 a week
  14. Gutting to hear Mr P. I really had no idea at all. It looks like I could be in trouble with that. I declared myself on nil income with housing benefit back in April/May, which as mentioned worked out as £50 short of what the government says I need to live on per week. So I gathered that unless I earned more than what the law says I need to live on, theres nothing to mention. At 1 point, I was wondering about becoming self employed with the earnings. I spoke to someone at citizens advice who said the earnings are nowhere near enough to be self employed. So I carried on until rece
  15. I can only demonstrate it via bank statements (with the deposit pattern showing increasing amounts deposited in 1 session... so chasing losses), plus at the time when the bulk was lost, I was claiming no benefits at all (Except HB, who I declared the inheritance amount to and they were paying me full HB anyway). Had I not lost it, I had planned to not go on ESA, but instead support myself while I was getting treatment. I did try multiple types of therapy including with gamblers anonymous, gamcare and various web forums. It didn't work though as its not just a straightforward addiction. My
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