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About jims45

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  1. The parent company Worldline IT Services UK Limited is listed as a payment services firm by the FCA but this is not at the bottom of the email I received. I have searched and found a copy online of the FCA handbook but I am struggling to find the section that applies to unlawful charges. Not sure what section to quote them.
  2. Thanks for your reply. Should I email them stating that the penalty is unlawful?
  3. I run a micro business and opened an account with fuel genie (fuel card) for cheaper fuel. I am currently in the process of changing banks and forgot to update my direct debit with them. The DD was refused upon which I received an email from fuel genie threatening debt collectors if I did not pay promptly and that charges would be added to my account. I paid as soon as I received the email by card and contacted customer support to ask if the admin charge of £49 could be removed as it was a genuine mistake and pointed out that it was exactly three times the sum charged by my old bank. I was told over the phone no but email our accounts dept and they might reconsider. Assuming the answer is still no can they actually charge such a high fee? The other issue is they have just added the charge to my online account and not issued an invoice for the charges so I can not account for them end of financial year. Obviously lesson learned, read small print but any advice appreciated.
  4. Thanks for the reply I will sit tight and see what happens.
  5. Happy new year all. After receiving excellent advice from this forum numerous letters received from Cabot stopped and went quiet for several months. Cabot were initially chasing two alleged debts, a credit card and a bank overdraft. After following advice given here I received letters stating both debts were unenforceable. Now letters have started again but only chasing the alleged bank overdraft (the smaller amount). I am now 65 years old and receiving state pension, have no savings or assets, drive an old van worth around £1000 and live in a one bedroom retirement flat rented from a housing association. They are asking my current circumstances and threatening more frequent contact though no mention of legal action. The debt (which I have consistently denied owing) becomes statute barred Jan 2021, should I respond or just ignore the letter as before? Thanks in advance
  6. Thanks for the reply. Strange thing is my previous Bank does not show up as a hard search it is listed as anti money laundering and appears in the section marked as ‘will not harm your credit score’. Maybe the free credit check websites are not 100% accurate.
  7. I recently went to my nearest Metro Bank to open a business account. After about 30 minutes waiting I was seen by a member of staff and explained I needed a basic account without overdraft or borrowing facilities. I was then told I needed to produce ID and she would perform a credit check to establish my identity. I wrongly presumed this would be a "soft search" as carried out by my previous Bank. My credit file is not perfect having had dealings with good old Cabot in the past so the account was refused...fair enough. However a few weeks later upon checking my credit file I see that Metro Bank have performed a "hard credit check" and marked it as "credit application". I did not apply for any form of credit but Metro Bank refused to correct the entry on my file. No apology just a letter informing me that was standard Metro Bank procedure. Is there a complaints procedure to get this changed or do I just put it down to experience?
  8. As always thanks for the help, just made a donation. Can I complain under GDPR as I have not given Cabot permission to share my number or contact me by phone. I wrote to them stating communication by letter only.
  9. Update, new tactic from Cabot?? After a quiet period I suddenly get a call to my mobile asking for me by my first name to which i answered yes, (my name) speaking. Caller then says this is Cabot Financial, my reply, never heard of you sorry. I ended the call and blocked the number ( a mobile). Ten minutes later I get a text message stating: Hi, its Cabot click this secure message link if you want to hear something beneficial to you ( or words to that effect). I deleted the message and blocked the sender but I am curious as to what this ploy is. I am guessing by clicking the secure message link I will be acknowledging the debt and thereby resetting the statute barred clock. Have any other Forum members experienced the secure message approach? Thanks in advance.
  10. No disrespect but look at post 11 above advising me to contact HSBC first. Complaint has been filed with with ICO as instructed but ICO said I had to go back to HSBC first which I have done.
  11. Today I called them as no reply to my email. Basically I was told to complain to the ICO if I was not happy. What a poor attitude from a major UK Bank! Complaint has been filed but I'm told there is a 3 month backlog maybe that is their game plan.
  12. Thanks for your reply I will complain to the ICO tomorrow. HSBC are the only Bank to be a problem so far!
  13. Update on this No response from HSBC at all although I have proof from Royal Mail that they received my SAR request. Searching the forum I have found the email address of the HSBC Data Control Office and sent the following email: I recently made a Subject Access Request which appears to have been ignored as I have received no communication from HSBC at all. You will find attached a copy of my letter requesting information and also proof of delivery by Royal Mail. Can you inform me at your earliest convenience if HSBC intend to comply with my request and if so within what time scale? Please be informed if I do not receive a reply within seven days I will start a formal complaint with the ICO and consider taking action in the small claims court. Should I be taking further action at this stage or wait and see if I now get a response? Thanks in advance
  14. Update on this Made the subject access request (mailed Jan 15th) no acknowledgement from HSBC as yet. Should I wait 30 days before contacting them? I am concerned about the deadline approaching. Thanks in advance.
  15. Thanks for the info I will do my homework first. If I make a successful claim I will donate a % to the Forum:-)
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