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Everything posted by Matthew31

  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
  16. Just wanted to add my input after spending the last few days researching this situation, in case it helps anyone else who might be browsing the forum. As per gambling... I think the DWP will question it, but, there are obvious signs that money was lost through addiction opposed to depriving myself of capital (patterns are, £20 deposit, then £40, then £80, then £150, then £200... and so on... obviously was me chasing losses) and there are quite a few cash point withdrawals which again, obviously is me trying to take money out in cash to safeguard against online gambling. I can just send a
  17. I really hope it works out that way too. The big step has been taken with the gp, so i'm hoping my esa claim goes relatively smoothly
  18. Excellent, thanks very much Antone. The title is great and I appreciate you moving the post to a new thread
  19. I would just like to add, that the gambling addiction I speak of is linked to the chronic anxiety. As the anxiety restricts what I can do in life (forming friendships, doing things I want to do), I first turned to gambling to get that buzz and excitement I don't have in life due to being unwell, but fell into it deep and ended up becoming addicted
  20. Could I please ask a moderator or admin to remove all posts in this thread aside from this post and the 1 above about my GP appointment (As that part is complete and I do need help with my ESA claim, but less members will scroll to page 2 to give advice due to the huge messages I posted). Thank you. I just wanted to ask a few things about when I apply for ESA on the phone regarding capital. My inheritance was paid in over 6 months ago and I declared that with the housing benefit team who calculated I was entitled to full HB. The ESA team wont need to be told about inheritance because
  21. The appointment was today and although it was very difficult (shaking so bad there and couldnt stop talking quick), I am now signed off with chronic anxiety for the next 3 months. He said he didn't feel I came across as someone with Apergers and so that seems very unlikely. I went there armed with a big list of things to talk about but the idea I got was before I even entered the room, he had read a letter I previously sent to a GP explaining a lot and had already decided what my problem would be. In the first 5 minutes I think the way I was confirmed what he had thought. I don'
  22. Thanks again all, I had some time out to get everything I needed ready for the appointment. I have re-written my notes a bit and have 8 A4 full pages for them to read through. Hopefully I can book a 20 minute appointment and they will read through all of it. I will have a look for that Eric Berne book thank you. As for CBT, as I recall, I was never offered it. Even so, at the moment, after thinking about it, I do not feel at this moment in time it would be suitable for me. I will explain... In order to know what would be the most efficient form of treatment, I would need
  23. mum died a while back. I had her estate sorted out and all accounts closed. Today I was just checking her emails and I saw there was an email off the national lottery. They said "We have transferred the balance from your National Lottery account to the bank account associated with your debit card because it is about to expire". I thought it was just spam at first but it had a username down the bottom. I entered mums usual password and sure enough it logged in I checked transactions to see at the end of August this year they did send £26 to my mums bank. I
  24. What do you mean mrs poppers? I have gone into detail trying to explain it as much as possible but here are a few answers to your questions: If it has been going on for this long then why not have taken action earlier. As I have been nervous ALL of my life, how I am meant to know any different what "normal" is? Let's take a physical illness, if someone has a pain in their leg that wasn't there before, they know to see a dr. If someone like me is nervous all of their lives, how are they supposed to know anything was wrong (and it's not something that everyone feels)? I only knew somet
  25. I wanted to post this bit in its own post for easier reading... It does feel frustrating with everything I have to go through to possibly get ESA. There's someone who does a video blog on youtube who gets the support group version of ESA for over 5 years. They are very open about all parts of their life and show proof to clarify what they get. Their problem is fish odour syndrome and their reasons to the DWP as to why they cant work is the syndrome means they can't go anywhere due to smelling of fish which people then make fun of and that makes them low and suicidal. In this persons
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