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  1. Hi all, so this is an interesting one, I joined a gym.. locally.. online.. they had a separate finance firm ‘Debit Finance Collections’’, and it’s a local trust gym.. to cut a long story short, just after joining I went on a course at work and was out of the area for a while and pretty busy, when I got back I realised I just wouldn’t have time to use the gym and to be honest there’s one closer to my work which is better placed.. I called up DFC (bearing in mind I haven’t set foot in the gym, picked up my card, had a letter.. nothing..) and that was when I was told, as I
  2. Hi I was made redundant last year followed up with a difficult time with depression which I am now over with. I had a good pay off and made regular payments to my direct debits but noticed that I had a letter from one Credit Card saying I was five months in arrears. When I complained they said they had cancelled my direct debit as I had missed a couple of earlier payments. I looked through all the terms and conditions of the card and no where is this process mentioned - I can't find any reference to this or the law surrounding it nor can I find a lawyer who will advise me on th
  3. Hi All I've received a letter from Monarch, a debit collection agency, stating that they are pursuing me for a debit of £12 (yes £12!!!) on behalf of an old Talk Talk mobile account I had. I haven't used the mobile number or sim for at least three years. The sim came free when I joined TT for one of their broadband, TV and phone packages about 6 years ago. I contacted Talk Talk in December by phone and they said that the monthly charge I was liable for had been introduced from July 2017. Unfortunately they had my old email address and they sent notification to that old emai
  4. Hello Consumer Action Group! Having a bit of trouble with what I have found out to be a gym contract. The timeline of events is as follows March 2018: Was given an introductory Jiu Jitsu lesson at Gracie Barra Barnsley. After this I then paid £60 up front and signed a direct debit mandate so they could start one with my bank. They specifically told me this is not a contract and only like one in that fees can go up if I want to go to more advanced classes. August 2018: After attending for 3 months I was unable to continue due to other commitments and the fact that the schedule th
  5. what is the best pre paid credit card/debit card you can buy for online shopping for amounts less than £200 so to keep your finances in order and a limit on your online shopping? something you can buy from a newsagent without all the falaffle of appying online, whats good/bad?
  6. I'm doing the cardinal sin and posting this on behalf of a friend who doesn't have access to the Internet from home. My friend has had £200 stolen from their account by debit card and are currently on ESA/PIP due to serious medical issues and mental health conditions. My understanding is the transactions were taken by debit card. The Fraudster attempted a payment of £500 and then £400 and then £200 the formers were declined and the latter was accepted. The card in question has now been cancelled and it was reported as soon as they became aware. Barclays are insisting that an inv
  7. Good morning HOPE THIS IS THE CORRECT FORUM, i have an issue and need some advice hopefully there some bank account/visa debit card experts here? On friday 13th i went as usual to buy my weekly bus ticket on the First Bus M-tickets app ( i have never had this problem before) but when i clicked checkout i selected my card and instantly the screen came back with "transaction declined", i thought this is strange because i had the money in account ready. I left it half an hour confused to try again but before i did i went to check my banking app to check my balance and low and behold th
  8. On the 13th of Jan 2018, changes came into effect to stop companies adding on fees for people using a card to pay with. I was under the impression that this was now illegal. The other day I went into a Premier Stores franchise and bought a few items, came to less than £7... But when I went to pay, the price had jumped to £7.17... I queried my it had gone up and was told there was a 50p charge for using a card. I pointed out that this was now illegal, but they were adamant they were allowed to do it. I told them under no circumstances was I accepting it and that they'd lost my b
  9. I am looking for some advice dealing with the DCA chasing after an alleged debt they say I had with Npower. I paid every month by direct debit and as far as I was concerned all paid off and sent the final meter reading on the day I moved out. I called them few months later and was told what the final bills was £36 and paid off. Now a DCA sending letters, but the company name is Npower Northern which I have never known. My bills had the name Npower and not Npower Northern. Have they changed names? How can there be an outstanding amount when paid by monthly
  10. I wonder how many people - outside the weekend - have had DD collected BEFORE the due date and landed them in the overdrawn gang! if so I wonder if any compensation could be claimed from the offenders.
  11. Hi there, First time posting, but in doing a bit of research before I delved into discussing a letter I received from Harlands, there seemed to be a lot of valuable information on this forum, so hoping someone can help with my specific situation. On 31st March I took out a gym membership with Xercise4Less on a monthly rolling contract with the following information in an email confirmation from that date: "You are committing to a single £20.00 admin fee payment and £19.99 per month for a minimum of 1 months. After this minimum term your membership payments will continue on a mon
  12. Good afternoon. At the end of last month around the August bank holiday weekend (2017) I decided to cancel my direct debit to Fit4Less because of an upcoming medical condition. On the same day I sent a message to my local Fit4Less on their website contact page saying I would no longer be able to attend and so I have cancelled my direct debit. I had no response. on September the 4th i receive a letter from Harlands saying: Dear MR ***, re: Your membership to Fit4Less We are writing with regards to your membership for Fit4Less as we have been advised
  13. Consumers are no longer to be charged extra for paying by debit or credit card, the government has said. From January next year, businesses will not be allowed to add any surcharges for card payments. The worst offenders currently are airlines and food delivery apps, and small businesses which typically add a fee for cards. In 2010 alone consumers spent £473m on such charges, according to estimates by the Treasury. It follows a directive from the European Union, which bans surcharges on Visa and Mastercard payments. However the government has gone further than the directive, by
  14. Hi I pay by monthly instalments for my car tax and I want to change my bank account direct debit details, so yesterday I cancelled the direct debit and will re-tax the vehicle on 1st August. I have now received an email from the DVLA saying I need to re-tax it. The payment for July has been taken out already. I read the gov.uk website (change accounts part) before cancelling the DD, which clearly gives an example: Example You pay by Direct Debit every month, but want to pay from a different account. You cancel the Direct Debit with your bank on 5 June. You can continue driving y
  15. Not a major issue, but an annoying one. Went into our local Post Office (PO) yesterday (Saturday) which is a small shop run by Husband and wife to post a small parcel. Husband looks after the Postal services, he took the parcel via the Screened off PO section and charged me the £3.40 postal costs. I paid using my contactless debit card which as yet hasn't shown on my statement. My 6yr old grandson who was with me wanted a toy he'd seen for him and his sister I bought them at the separate 'shop counter' where Postmaster's wife works selling papers, sweets, toys etc
  16. In March/April 2015 I signed up with Flow Energy paying by monthly direct debit. When the fixed rate tariff ended I switched to nPower. Flow energy sent a final bill and I assumed the balance had been taken by direct debit and the account closed. This month I returned to Flow as they had the cheapest tariff for me only to find that later this month I will be making my first payment on the new account, but also £138 which was owing on the earlier account from a year ago. Flow have never contacted me in the intervening year and I was unaware of anything owing. Flow were responsible for col
  17. Hi I'm really interested in this, not because I want to completely avoid debt but because I want to gain some leverage in negotiations over a loan that I'm struggling to pay. At the moment the lender has rejected any attempts I've made to reduce the monthly amount and are now threatening court action. I'll be leaving the UK for Australia soon to rejoin my family so I'm considering this option. Just a question to clarify, I understand that a CCJ is enforceable in the courts in Aus so need to avoid this by being out of jurisdiction. What I don't understand is why,
  18. hi, i made a dd indemnity claim on the 13/12/16 the bank are asking for the advance notice letter, i contacted the company concern and they have refused to deal with me. the payments which they took are in error and i believe im entitled to a full and immediate refund of the amount paid from my bank. also i shall give them 30 days to investigate then i want to claim the refund back in court. also im going on breached of their obligations under the banking contract, Banking: Conduct of Business sourcebook (BCOBS),section 150 Schedule 5. what would b m
  19. Hi Guys, Need your advice on this unusual problem. Sorry story is a bit long. I’ll spilt it by bullet point to make it easier to read: 1. 23 Dec 2016 – went to the store made small purchase requested £50 cashback. Was deep in my thoughts. Felt a bit awkward at the end of interaction with cashier who started behaving strangely by completely ignoring me and started chatting with colleague. After packing few purchased items I was waiting patiently not realising what for. Felt as something did not finish - no eye contact from cashier, no thanks / goodbye. I’ve felt a bit strange and
  20. Hi all, Long story, which I will try to keep short for you! I purchased a Humax Freeview recorder for £199 in Jan 2016 on my debit card. Over time it developed lots of faults, such as random crashes, missed programs, freezing and even not turning on. After researching the product online, I decided to take it for a refund - Lots of similar stories from other users. This was within a year of purchasing it. The girl on the till wouldn't refund to my debit card as the card I used to purchase it had been reported lost/stolen. I was made to take a r
  21. I rent a small space in a privately run market area. Rent is paid by direct debit and is paid weekly. This week the rent was taken twice. I have received an email from the owners acknowledging the mistake and stating the money will be returned to my account but that it could take up to 5 days to show up. My question is, is this a normal time period for waiting for monies to be refunded? I understand that they bank with Barclays. Here is the text of the email sent: Due to an error, an incorrect Direct Debit was applied to your account on 24/01/17. Any money tha
  22. Hi I have a mortgage with BOS I have been in arrears since 2011 and didn't pay at all for a year or so stated payments again in April till July then missed aug and sept then set up new arrangement and paid two In October and one in November the direct debit will be missed on 30th as I don't have enough but it will be in my bank on 5th jan will they retry or is it best to call and explain? My arrears are 9800 Thanks
  23. THOUSANDS of British Gas customers may have had direct debit payments taken twice following an IT glitch. British Gas told The Sun online that less than 1 per cent of customers were affected by the problem. It supplies gas and electricity to over 14million homes, meaning some 140,000 customers could be affected by the fault . A British Gas spokesperson confirmed that a “small proportion” of customers have had direct debit payments twice and that any money taken in error would be refunded. https://www.thesun.co.uk/living/2262624/british-gas-takes-direct-debit-payments-twice-
  24. Long story short. Returned from holiday in Florence in early July booked thru Booking .com to find an unauthorized debit (around £170) on our HSBC statement in favour of Best Western Hotel. Transaction date was prior to our departure from the UK, and we stayed at a B&B, not a hotel. CrCards cancelled & replaced to forestall further unauthorized debits. Immediately queried debit with bank, who magnanimously credited the charge, and will send us a form to complete. Never arrived. Two further enquiries at our local branch, and we were told we'd get
  25. I am having problems with Virgin Media taking an unauthorised payment from my bank and making me go overdrawn. When I phoned Virgin Media last week, they did not inform me of an outstanding balance for £18.34. Today, I got a letter from my bank informing me that because Virgin Media had attempted to withdraw £18.34 I would be incurring a £10 charge. I did not authorised this payment to be made and I knew nothing about this because I received no notification from Virgin Media. I have sent an email to Virgin's Chief Executive Tom Mockridge complaining of the matte
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