Showing results for tags 'account'.
-
3053548.thumb.jpg.6ea05a752ac6bbf38ae4e7be9676053a.jpg)
Since the introduction of the Taking Control of Goods Regulations 2013, it has been very interesting to observe the number of forum posts (here and on all other websites) where debtors (and indeed regular forum posters) consider that in cases where a debtor is identified as being ''vulnerable', that the local authority (or creditor) should be obliged to recall the account from an enforcement agent.....and remove all bailiff fees. In the majority of cases, the fees under discussion will be £310, consisting of a Compliance Fee of £75 (applied when sending the Notice of Enforcement) and an Enforcement Fee of £235 (applied when an enforcement agent attends the debtors premises in person). In the following post I have outlined my opinion on the above. -
This is a strange one, hope someone can help. I took advantage of an offer to switch current accounts for circa £100 in May 2009. I filled in the forms, my salary and debits moved across. The problem was that Santander did not agree to match my existing overdraft (£500) and didnt communicate that the overdraft had not been granted but moved my finances over anyway. So I quickly moved back to my previous account and requested that Santander close the new current account. I recall speaking to a manager on the phone, who agreed to close the account with no charges and in exchange they would not pay me the £100 switching fee. They admitted that they should have communicated better and did not make me aware that any adverse credit history would be reported. However, I have downloaded an equifax report to discover that it is still showing as late payments from May 2009 until it was settled in November 2010. Note, this doesn't show in my noodle report. I am thinking that as I have not used the account since May 2009 it would be SB and should be clear from my credit reports, is this correct? -
I normally get a pension payment from Belgium the day before the end of each month. Nothing today (I realise it's a Bank Holiday) - It's a BAC payment so why did it not happen today and I am likely to get it tomorrow
-
This may seem odd but I have just received a payment into my bank account from Fredrickson International. 10 years ago we lost almost everything we had to a business fraud. In the intervening period, we have rebuilt credit and established a new business. However, at the worst time, Fredrickson were one of the hardest and nastiest companies to deal with. I have never, to my knowledge paid them anything or given them my new account details so am mystified that a payment should suddenly appear in my account. I told my bank I do not want this money but they told me there is nothing they can do. Is this a part of some new harassment tactic? Does the payment establish some kind of business arrangement with Frederickson? The idea of going back to that nightmare time is very worrying. If anyone has any information/ thoughts as to what might be occurring, I would be grateful to hear from you. Thanks.
-
I am trying to close my dad british gas account as he has moved into a care home since my mum died in january, he has a council tenancy and I have cleared the house and elec and gas I have turned off as theres nothing that needs to be run, and the tenancy is about to be ended. I send BG an online enquiry to ask about closing the account, they have said I need a "Court Of Protection" letter, I have no such thing - cant I just write them a letter and my dad to sign it, and include the final meter readings? -
Hi, My business partner and I are going to be registering our company very soon. I know that somewhere into the process, we're going to need to open a business bank account and designate that as our main account for the business. About 3 years ago, I opened a business account and had a business loan that was connected with that account when I opened it (by Lloyds TSB). This company was as a sole trader and wasn't a registered company. I had some payment issues and the business account was eventually closed, as I'd missed some loan repayments/late payments, etc. Ultimately, the loan was sold on by Lloyds and I've been paying it back ever since. I didn't go bankrupt or anything like that, and the loan wasn't a large sum of money. But I lost the business bank account in the process. I've been paying off the loan ever since through a debt consolidation company and all is fine in that regard. I was wondering if I'm likely to experience issues when opening a business bank account now? I'd use a different bank and I wouldn't be looking to get a loan or anything like that. It would purely be myself and my business partner using it as our official business bank account. Any help on this would be much appreciated, -
Hi All, Lowell have approached me with an account for which I supposedly owe money. The alleged debt is from 2011 and is a Provident Home Credit loan for about £800. I lived at the address in question at the time, but I have no recollection of taking this loan. Lowell told me that payments were made onto the account for a few months and then stopped. I told them that I neither accept nor deny having taken the credit, and that I would like to see the a copy of the credit agreement and a statement of accounts to date. I told them that I would then be able to confirm whether this is something I have overlooked, or if it is indeed false/fraudulent. Lowell sent me a later saying: "Due to the amount of time that has passed, the credit agreement and statement of accounts are no longer available for this account." But they also go on to say that I still owe the money and still need to pay?! Where do I stand with this? Advice is much appreciated. Thanks! -
Hi members, I have recently received a final response from Lloyds about a huge number of charges applied to my graduate account which ultimately lead to it being defaulted and closed. Basically in 2012-13 after I graduated, I fell in to quite severe financial difficulty and became reliant on credit to get by. My graduate overdraft of £2000 was usually maxed and I started using payday loans even after I lost my job (I know, different story). I requested all my statements from Lloyds to see how much they had charged me in fees and interest etc before I was defaulted. The total came to over £700 in the 12-18 months of difficulty and this sum is mostly made up of unauthorised overdraft fees and interest on top of them. In Lloyds response they simply say the charges were 'applied correctly' and invite me to call their recoveries department to arrange repayment. Even though I'm still unemployed, I told them I'd be happy to begin a payment plan if they removed these charges, but they're having none of it. I want to take this to the FOS but I've had such mixed experiences with them in the past (loads of complaints re payday loans), and I don't know the best way to go about it. Is it possible to still reclaim charges such as these or will the FOS rubber stamp Lloyds response? It seems ridiculous that over 40% of my debt to them is made up of overdraft charges on what was supposed to be an interest free graduate account! If anyone has any suggestions of how to approach the FOS with this or any success stories, please let me know! Thanks
-
Hope this forum is still active and I can get some answers Im not getting any kind of help from LLOYDS OFF SHORE except run a round on the phone which is becoming tiresome... .in the nutshell Im old LLOYDS customer with about 24 years . .last 16 years off shore bank account also.. Im not UK citizen nor do I pay UK taxes.. .I just happene to open LLOYDS account while I was brifly living in UK and later just continue to use it .. .till recently I did not have much of a problem with LLOYDS OFF SHORE on ISLE OF MAN because I did not really touch those funds there ..I did not need to. .I was mostly working and funds kept on off shore account where just sitting idle . .till this december when I decided to move all the money to INSENTIVE MONEY SAVERS ACCOUNT . ..about month after that action I received mail from manager of the branch I guess asking me where are all those funds came from. .I replayed that he can check my account history and that all will be there ..money came from OFF SHORE MONEY MARKET CALL ACCOUNT a,d that I simply shifted funds around off shore and on shore accounts searching for best interest rate. ..second question he had for me was bit strange ..well it appears that at one point whili wisiting UK last december I put cash money on my off shore international account . .not much maybe 640 pounds all in all but he asked me about the receipt and proof from where that money came from. ..I told this the truth that I dont remember anymore and that I did not keep the slip nor bank statement ...all in alll I thought that he understood the situation and that s the end of the matter but .. a=one month later I decided to pay some insurance premiums back in my country I made a transfer back from SAVERS ACCOUNT to INTERNATIONAL PREMIER account si can write cheques to mu insurance company. ...I wrote one check no problem and then I wrote 3 more on smaller amount -in my country I can not deposit large cheques on bank accounts I had to break the amount on 3 smaller cheques ...well one of those actions triggered my accounts to be blocked /suspended and placed under investigation .. .now same manager is asking again about those 640 pounds bill and source of money and also he is asking in advance to see my insurance policy before I even paid for it . ..really strange and I should say bordering on harassment . ..does anybody here on this forum has any idea what happened to me , my accounts and where the problem is. .oh just for the general info my account is rather modest 5 figure amount nothing fancy its just at the moment all my money . .all my saving since I wasnt really working last few years due to illness
-
Lloyds customers are losing their free, interest-paying current accounts and told to sign up for one at £60 a year. Loyal Vantage current account holders will no longer receive interest of up to 1.49 per cent from May 3. If they want to earn interest they must opt for the Club Lloyds account, which pays up to 3.93 per cent on balances of up to £5,000. It also offers access to a savings account paying the same and a 0.2 percentage point reduction on Lloyds mortgages, plus perks such as free cinema tickets. But customers will be hit with a £5 monthly bill unless they pay in £1,500 a month. Read more: http://www.thisismoney.co.uk/money/markets/article-3549204/Lloyds-snubs-loyal-customers-taking-away-free-paying-current-accounts-tells-sign-one-60-year.html#ixzz46pxXHH99 -
Hey, I recently had some work done by a plumber, to whom I gave the payment in advance as he said he was in need. However since then, he has not returned back to finish the remaining work. He is not responding to mobile calls either. The payment was made to him by bank transfer so I have his bank account details. Can I use MCOL in such a scenario? Can MCOL ask the bank to release his address? I did not have any formal contract signed with him but I do have SMS and bank payment as proof of engagement of work. I am really distressed about all this. Can someone help me.
-
Moneybarn account terminated, refusing to communicate...
rayjay01 posted a topic in Moneybarn Issues
I'll try to keep this as short as possible... I took out finance for a car with Moneybarn back in November 2015, amount borrowed 9k, amount to repay 16k (roughly), £280 per month. In January 2016 I lost one of the two jobs I held, reducing my income dramatically. I fell behind on January's payment and contacted Moneybarn within a day or so of the money being returned from my bank account. I spoke to a lady and explained my current financial situation, I asked her if it would be possible to help me through this temporary bump in the road. I was asked to fill out an affordability form, however, far from helping me, I was instead told that I was deemed unable to afford my monthly repayments (which I already knew) despite my numerous requests for a temporary lower payment plan, which I was happy to pay interest on, she refused. I received an arrears notice shortly after, and swiftly paid it. In February the same thing happened, my repayment for the end of the month was once again returned due to lack of finances. I didn't want to just ignore this, so I once again contacted Moneybarn customer services and spoke to a very arrogant gentleman. I explained my situation and pleaded for a lower repayment amount until such time I find a second job again. Despite this, he was adamant that this would not be possible, and pressured me into agreeing upon three "exit options". He vaguely described what each option meant, and when asked to send me this in writing - so I could carefully consider each option - I was told this was not possible. He told me I have 20 days to find second employment and provide proof of my affordability for the original £280 per month. I said I would do my best, however, a month later and I am now two months into arrears (Febuary & March) and I still only have one job as I have been unable to find second employment so far. After my last phone call to Moneybarn Customer services in which I was spoken too in a very arrogant manner and felt pressured into agreeing something which I didn't fully understand without being able to properly read the details - I decided against contacting them via telephone. I instead wrote a letter on March 15th to Moneybarn's head office, detailing my current situation and requesting that my account be frozen until such time we can agree upon a fair outcome. Exactly one month later I received nothing in reply from them, so I decided to email them instead attaching my original letter. In response to this I received an email saying "Sorry we cannot discuss this matter via email, your account has been passed onto our Asset Management department, please call our customer service number" even though, I quite clear stated that I did not feel comfortable discussing this over the telephone and wanted written information where I can carefully read and consider what is being said to me. I once again requested for a postal address for their Asset Management department, in response, my request for an address was completely ignored and I was instead told their next action is to appoint recovery agents to come and take my car, and if I would like to discuss this to call their customer services... So far they have ignored my original letter, ignored my requests for written information of what is being said, and avoided helping me in every possible way. Despite their tag line of being "committed to working with customers to resolve any issues". I don't quite know what to do next, or what options are left for me? Any advice would be greatly appreciated! -
Hello good people. I have a question or two about my EE account that I know nobody can answer better than you. Here goes. Approx this time last year I was invited by EE to take out a contract with them as they had taken over from my then current provider T Mobile. I visited my local store and discussed my needs with them they assured me that the contract they were selling me was more than adequate to cover my UNLIMETED DATA USAGE agreement with T Mobile. Within 2 months of signing up with EE, I was receiving data usage warnings, and was being cut off half way through the month. I revisited their store to discuss my concern and was persuaded to up grade my contract to an extra 1GB of data per month at an additional cost of £3 per month. Immediately afterwards I started receiving data usage warnings and again was cut off mid month. I revisited the store and was persuaded ( yes I wanted one ) to take out a contract on an IPad. and this additional 2 GB of data would eliminate the problem. You guessed it. data usage warnings. 3 visit lucky?? No chance. The store assistant on enquiry commented that my Ipad contract was " crap " and on discussing with the store manager, they offered to give me, free of charge, a 1GB " booster " that would normally cost £19.99 and £10 per month. Data usage warning part 4 I have since found out that they have been charging me £10 +VAT per month since August ( £80 ) for a booster that was provided free of charge. I returned to the store to discuss the situation and was met with such a lack of interest, that I actually asked the store assistant to stop shrugging his shoulders with a couldn't care less attitude. I have recently written to EE customer services in an attempt to resolve the situation, but I wonder if I am doing it in the right manner, and is there anything else I can do. I have gone from a £25 + VAT per month " Unlimited data usage " contract with T Mobile to a 4GB Data usage £30 a month contract with EE on my phone. 2GB Data usage £25 a month contract with EE on my IPAD 1GB Data usage £10 a month contract with EE on a booster that was provided Free of charge. Call me stupid, naïve, or whatever, but I am not putting up with this. I have all the contracts, including the FOC agreement, but am getting nowhere with EE Any suggestions please. Thank You
-
Hello. I have a Santander 123 account and have been paid interest, less tax, on it over the last tax year. I was surprised last week when all the tax I'd paid on the interest was returned to my account. Has anybody else on the forum received the tax back and does anybody here know why? Thanks -
Hello, this morning received a Claim Form from Bryan Carter. Claimant: Lowell Portfolio Limited Date of issue – 15/5/2015 What is the claim for – The Claimants claim is for the sum of 2253, being monies due from the Defendant to the Claimant under an Agreement regulated by the Consumer Credit Act 1974 between the Defendant and Lloyds under account reference xxxxxxx and assigned to the Claimant on 30/6/2014, notice of which has been given to the Defendant. The Defendant failed to maintain contractual repayment under the terms of the agreement and a Default Notice has been served which has not been complied with. And the Claimant claims £2253 The Claimant also claims statutory interest pursuant to S.69 of the County Act 1984 at a rate of 8% per annum from the date of assignment of the Agreement to date but limited to a maximum of one year and a maximum of 1000 amounting to 157. What is the value of the claim? £2595 The claim is for a current account/overdraft I entered into the original agreement in 1989. It is the Debt purchaser who has issued the claim. I did not receive a Notice of Assignment. Did you receive a Default Notice from the original creditor? Not sure. Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year? No. Why did you cease payments? Had to stop work to care for my wife who was seriously ill. What was the date of your last payment? May 2011 There was no dispute with the original creditor. Did you communicate any financial problems to the original creditor? Yes I explained my situation to Lloyds (where I had banked for over 20 years) and they said they would not pursue. I have printed off a CPR31.14 request to both Lowell and Bryan Carter. I used the template for current accounts. I haven’t posted these yet. I haven’t Acknowledged Service yet either. Will wait for advice on here before I proceed further. My wife became very ill in 2011 and I had to stop work to care for her. I ended up in a lot of debt and the defaults on my credit file amount to about £18k. None are from the original creditors. My wife had lifesaving surgery last year and is now finally on the mend. I’m hoping to get back to work soon (been living on carer’s allowance and her DLA) but I’m worried that all the creditors are now going to jump out of the woodwork and we will be going back to work with huge debts hanging over us. We are both pushing 60 and don’t want our pensions (in 7 years time) to be eaten up by these debts. Thanks in advance to anyone who can help. Thanks x -
Lowells/? claimform - unknown Vodafone mobile 'debt'
kullly posted a topic in Financial Legal Issues
i have submitted a Acknowledgment of Service via MCOL Can anybody please advice on how to defend my claim and what steps i should take please? Thank you In order for us to help you we require the following information:- Name of the Claimant ? Lowell Portfolio l LTD Date of issue Date of issue 11/1/16 What is the claim for Particulars of Claim 1) The Defendant entered into an agreement with Vodafone under account reference ('the Agreement'). 2) The Defendant failed to maintain the required payments and a default notice was served and not complied with. 3) The Agreement was later assigned to the Claimant on 10/10/2011 and notice given to the Defendant. 4) Despite repeated requests for payment, the sum of £490.08 remains due and outstanding. And the Claimant claims a) The said sum of £490.08 b) Interest pursuant to 569 County Courts Act 1984 at the rate of 8% per annum from the date of assignment to the date of issue. accruing at a daily rate of £0,107, but limited to one year, being £39.21 c) Costs What is the value of the claim? 659.29 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Mobile phone When did you enter into the original agreement before or after 2007? I have no knowledge of the contract Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. - Debt purchaser Were you aware the account had been assigned – did you receive a Notice of Assignment? No notice was received too my knowledge Did you receive a Default Notice from the original creditor? No Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No Why did you cease payments? No knowledge of the account What was the date of your last payment? ? No knowledge of the account Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? -
I received a suspended repo on my home last March and have since kept totally up to date with both the mortgage payments and the arrears (the arrears are paid separately). Yesterday, however, my DD bounced for the mortgage (the arrears element was paid last Friday) and I'm worried about what will happen. Will they simply re-apply for the DD and impose charges or will they go straight for re-possession? Some advice would be appreciated. Also, a few months ago, they asked if I wanted to capitalise my arrears because my payments had been so good, will that be something they take into consideration? To summarise, I'm not behind with my arrears payments but the DD for the mortgage has bounced and I won't have the money until next week to pay it. This is the first time since March 2009 that it has happened. Thanks
-
Hello All Firstly thank for help in my other posts. Just to make things worst came back home and found claim form from bryan carter regarding lowell related to Lloyds. quick info: name of the claimant: lowell portfolio i ltd date of issue: 9th october 2015 particulars of claim: "the claimants claim is for the sum of xxx, being monies due from the defendant to the claimant under an agreement regulated by the consumer credit act 1974 between the defendant and Lloyds under account reference xxxxxxxxxxxxxx and assigned to the claimant on xxxxxxxxxxx notice of which has been given to the defendant. the defendant failed to maintain contractual repayment under the terms of the agreement and default notice has been served which has not been complied with. and the claimant claims xxxxx the claimant also claims statutory interest persuant to s.69 of the country act 1984 at a rate of 8% per annum from the date of assignment of the agreement to date but limited to maximum of one year a maximum of..." value of the claim : 1300 - current account/overdraft i did not received notice of assignment, notice of default sums, anything except demand of payment from time to time from different dca. before i came back home i posted letter to bryan carted with information that debt is staturatory barred under limitation act 1980. i checked my files and last payment was made back in 2009 and payment demand from Lloyds was also in 2009 besides if oryginal entry regarding this account vanished from credit report it must be over 6 years am i correct? well cant check it atm because Lloyds account just vanished from my credit score and i got some document at work so will confirm that. what i should do next? acknowledge and fill out defence based on SB or proceed with defend in full like other people ? im bit confused...? thanks for help guys lowell claiming that account was defaulted in 2010. -
I bought a pair of unnecessarily expensive sunglasses because I felt like treating myself. At first, I put my order in and my available balance updated from 254 pounds to 74 pounds. I wait a couple of days, after contacting customer support about an issue I had involving the status of my order, and if I could amend it, and my balance is still the same as above. There was no record of my payment being refunded in the message from customer support. 1 Day after this contact, and now after receiving my purchase, my current balance had not changed from 254, but my available balance had went back up to 254 pounds. Does this mean I have not been charged? Have I been refunded? I'm writing this because I have no knowledge of delayed payments, and am worried that I'll have to keep a close eye for a random payment. There is also no notification of a transaction taking place in my transaction history for my online banking page. I'm 17, and this was a gift to myself, and I'm now worried that I'll be charged a couple of months down the line and forced into overdraft. Any help or knowledge on this kind of situation would be extremely appreciated. I have no general knowledge on consumer rights or whatever this whole situation involves. I just want to know if I'll be charged sometime soon because this has never happened before. Edit: Also, almost every transaction I've done that was done straight through the bank and not Paypal, was removed instantly. This purchase was made with my debit card, not through paypal. -
I would appreciate some advice on opening a business account. Myself and a group of other people have just set up a cooperative. It is a not for profit organisation and we are a registered cooperative with FSA. We desperately need to open a bank account in the cooperatives registered name in order to meet the requirements of potential funders. However we were declined by the cooperative bank (irony!) and I need some advice before applying to other banks in case we jeopardise our chances of acceptance. I think that I am the problem because as a result of a recent bereavement I'm not on the electoral role (I moved in with my sister for almost a year and I forgot about filling in the form when I moved into my new place). I suspect that my credit isn't good anyway. Is it possible to just have 2 other members as signatories on the bank account or would that make no difference ? Is it easier to get a Community bank account ? We need to have 2 signatories for withdrawals so I'm not sure if something like cashplus would meet funders requirements. We don't need/want borrowing facilities, just an account where money can be payed into and we can operate the cooperative. Advice please ?
-
Hi, My account at Amazon.co.uk has been closed due to the number of returns. I'm sure most people are aware this happens on a regular basis. What I'm wondering is this. I had a gift worth £166 refunded into the account and now I'm being told I've lost this. I'm sure this is not legal to do so. In fact in my eyes it's theft. Before I returned the said item for the above credit I contacted Amazon's customer service explaining the CPU was overheating and they agree to refund the item. I've contracted the CIS team many times only to get a generic email back time after time. This of course is very frustrating and it seems they can only be contacted via email. My experience of the CIS team is one of pure ignorance to questions raised in my replies. I've asked for a link on their website where it states a refund in the form of a gift certificate can be legally deemed invalid upon account closure. A further question was raised in that if they are unhappy with a lot of return from customers why it don't change their policies. I have one further item I need to return as well which they also will not reply about. At the moment I'm looking into the charge back route for the item they won't reply about, and going to a small claims regarding the gift balance. I would however like an address to write to someone higher up before I start the above in motion. Anyone got any thoughts on this? Thank you. Gary.
-
In 2008, I stopped using Barclays as my current account provider and it turns out I was overdrawn by £18. I stopped checking online backing, etc as I didn't realise that I still owed them money (my fault, I know). Long story short, I now overdrawn by £1063, made up almost entirely of overdraft charges. Where do I stand in getting these charges negated? I would be grateful for any advice. Thanks
-
Hi Guys, I sold an item back in November via eBay. Customer then opened a PayPal case for SNAD in February and PayPal informed them that the item should be sent back to me, once it was sent back, they issued a full refund. The item arrived back broken and I called them up, I was then informed to report this to ActionFraud which I did and to provide them with the Ref #. I did this but this was not enough, they want a letter with Ref #, I am chasing Action Fraud for this. Everyone at PayPal says something different, one chap said the Ref # is enough, then another said I need the letter headed paper from ActionFraud! these guys Akinika have sent an email, of course I have not contacted them but I just had a few questions: Can these guys affect my Credit Rating, I never had no issues before and I don't want any sort of mark on my Credit Record. Do these guys have any power at all, reading the forums, I see they referred to as potless DCA, Any help would be much appreciated, Regards
-
DWP - attendance allowance - paid into wrong account
missyyellow posted a topic in Benefits and HMRC
Hi, Hope someone can help, we applied for attendance allowance for my 85 year old mum, she had to send her PO details on the form, but unfortunately when she got the details of her account from the PO help line, the last number of the sort code was put down wrong, whether they told her wrong or mum put it down wrong we don't know, her account number was correct, £411 was paid out in back pay to her, but obviously didn't get into mum's account, when I phoned DWP they said because we had put the number wrong, and mum had signed it there was nothing they could do and suggested calling the PO, on calling the PO help line we were told, there was nothing they could do and it was up to the DWP to sort it, I believe that this money has been sat in limbo for the past 2 weeks as it hasn't been sent back to DWP. Can anyone help my mum is getting very distressed about this, and both sides seem to just wash their hands of it, I cant understand why the DWP are happy just to leave £411 going nowhere!!! -
Hi Over the Christmas period I was charged by Santander £25 for DD failure, 2x £25 for two standing order failures and £20 for an unarranged overdraft request (which I didnt request or receive). I have spoken to the bank who refuse to withdraw the charges so I have withdrawn my money and arranged for my pay to go into another bank prior to the charges being applied. Now they have applied charges to the empty account and written to me saying I can write to the Ombudsman etc and that the Supreme Court ruled charges fair. Any positive advice? Thanks
Latest
Our Picks
Reclaim the right Ltd
reg.05783665
reg. office:-
262 Uxbridge Road, Hatch End
England
HA5 4HS