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  1. I switched to OVO Energy around 3 months ago and gave them the reading at the time. I kept forgetting to give a meter reading so they used their own estimates based on a 1 bedroom flat. I recently got a letter to say they want to put my direct debit from £32 a month to £57 a month because I was £1.19 behind. Remember that everything is based entirely on their own estimates, so how have they came to this conclusion? Just to add, I gave them a reading recently which was much lower than their estimates. How can they justify putting my DD from £32 to £57? Anyone else had this happen before? P.S, just to add, NPower did the same thing and put my DD from £36 to £72 because they took the highest month usage and applied it to the whole of the next year.
  2. Hi all Our car insurance has charged us £25 missed direct debit fee because there wasn't enough money in our account to cover the insurance payment , this wasn't our fault and as caused by sky,they didn't warn us that our payment to them doubled as our special offer had ended and it clashed with the motor insurance payment. Is there any point in trying to get the fee waived or not. Thanks for any replies
  3. I've come to the end of my year's car insurance, I've moved elsewhere and cancelled the direct debit. Swinton have served me with a default notice. I'm just wondering what everyone's views were as to the legalities of such a move - afterall, I'm not in breach of any payments. Weird.
  4. My bank has sent me a new visa debit card because they said my other card had been compromised. What does this mean?
  5. Hope someone can provide some advice on where I stand legally with regard to this:- On 23/3/2014 I entered into a yearly membership at X4l. On 10/11/2015, I completed the online cancellation form and immediately cancelled my direct debit with them, which I know they say you are not supposed to do. On receipt of letter of default notice I rang Harlands on 20th November 2015 and paid what I believe to be the final months payment, they agreed this was all that owed. On 6/4/2016, I started receiving threats from Credit Resolution Services that I still owed X4l the payment for the month of December 2014 and so, provided them with proof of the final payment made to Harlands and completion of the online cancellation form, but despite this the threats continued. I stopped communicating with Credit Resolution Services back in July, but they have in the last week, sent me a letter stating that they may take me to Court and obtain a County Court judgement if I don't pay £183!! I do not think they have a leg to stand on, but would be grateful if someone could help clarify things for me.
  6. Hi, hope for some advise. I paid my road tax via the DD scheme at my local post office back in September and set up the monthly payments via my bank. I have not authorised my bank to stop payments but the DVLA have stopped requesting payments and are now claiming that my car is not taxed. I have had no letters stating wht payments have not been requested and paid as agreed but it would appear that i am being held accountable for the DVLA breaching the DD scheme which seems a bit unfair. Any advice would be appreciated.
  7. Hi all, need some help. I looked at my online bank statement, there is a payment for a place I have never been. My card is not lost, i have it with me at all times. I rang Halifax, told them it was not me, I was in all day in question, also someone with me. The card was used in Rotherham, Im in sheffield. They say the card had to be present to pay contactless. It was with me. Any advice GG
  8. I signed up for a year of cover on a washer dryer and have just found out that they have been taking the payments since 2011 without me realising or indeed authorising it. I spoke to them and they were incredibly unhelpful - a rude and arrogant woman on the phone who said that they were not regulated by anyone and fundamentally they could do what they liked. They claim to have been sending me renewal notices each year which I have not received - I moved property so cannot verify this. Their main line of defence is that when they sent the first renewal letter it said that unless you cancel then it will automatically renew. I cannot believe that this is allowed?!? Can anyone please help me claim my hundreds of pounds back? I could have purchased about 3 new machines now for the amount they have charged!!! Any help greatly appreciated.
  9. I received a letter recently from the DVLA i took my vehicle off the road a couple of months ago and therefore cancelled my direct debit but forgot to declare sorn until the start of this month. ive just seen a letter from the DVLA saying im required to pay the existing £181 of direct debit within seven days!!!! ive only just seen it and that was sent two weeks ago. Surely they cant expect me to pay £181 just like that?
  10. 6-7 years ago, I had a problem with bills and had to have a prepayment meter fitted for Gsa and Electricity. I am now in a completely stable financial position and would like to get a better deal for my power. However Scottish power have done a credit check and asked for a deposit of £150 which I am not willing to pay. My CRB is not brilliant but there is only a couple of SBd accounts on it. I have had no difficulties with mobile contracts, with Sky or other minor checks. I really dont want to engage in this deposit thing but I still want to save money on my bills. Any suggestions
  11. Hi, my balance was £6,700 on my MBNA credit card and paid £4,409 which made my new balance £2,224 owed. My direct debit then paid the minimum of £67 which should of then made my newer balance £2,157 but this did not happen, instead, my balance owed went from £2,224 to £2,291, adding £67 to the debt rather than deducting it. I'm currently in a interest free offer and I have not used my card. This has never happened before, it's strange.
  12. Seriously boiling mad - I have had RAC breakdown insurance for last 4 yrs . On auto renewal direct debit . Just discovered after checking my bank online they have taken out £113 ( Last years renewal was £85 ) with no letter sent to state new premium - straight on phone to wait 20 minutes for call center . I have used their service about twice in 4yrs . Demanded a full refund for the absolute cheek of them , got offered a check in the post . ( Firstly in was a £16 refund ) Now waiting for their Complaints section to contact me for a direct transfer as it has maxed out my poor account - will not be using them again or recommending these shysters . Beware if yr on DD payments
  13. Hi, Started posting recently as I'm in the process of clearing a few things up. Having signed up to equifax I've noticed a default on my record from my Halifax current account. While in the USA I was using my Halifax debit card and juggling how much I had against converting it from Dollars to Pounds. Ultimately, they authorised a debit card transaction which put me overdrawn (there's no overdraft limit on the account) Because the transaction got authorised I thought I was good for the money at the time. During this situation I was also moving banks to Natwest. As a result I never used the Halifax account again since returning from the trip to the USA. It got left and now I have a default. Is there anything that I can do seeing as they authorised a debit card transaction even though there were insufficient funds? Cheers, Limelight.
  14. Over the last few years, Npower always seemed to increase my DD around October time (the bill would likely show that my usage had left an underpayment of around £50.00). Npower would then have to refund me almost £100.00 around June of the following year. This because the increase in the DD was quite substantial between £20-30 increase. This year it would appear I am £29.60 in CREDIT - yet they have still increased the Direct Debit although for a much smaller sum of £6.00 per month ?
  15. Hi All, I'm renting a property short term for 6-7 months and have electric supplied by Scottish Power. Initially the Direct Debit amount was set to £50, which quickly became apparently as being massively over-estimated. I generally only use around 3kWh per day, so the actual bill is next to nothing, and in 3 months I have now accumulated £70 in credit. I managed to reduce my direct debit via my online account, which was a struggle in itself. If I reduced it by more than £4 at once, it demanded an upfront payment and estimated I would be £6000 in debt at my yearly review. I eventually got it down to £25 which seemed sensible, though received an e-mail a week later saying it had been reset to £50. I can no longer change it via account as I have exceeded the number of changes per year. I phoned Scottish Power today to ask them to reduce it but the customer advisor told me the lowest they could do is £37. Seems a bit daft. Even at £37, I'll still be accumulating a significant credit amount per month, in addition to the £70 already sitting in my account. I'm only expecting to be in the property another 3 months so it seems daft to continue throwing money into the account when it's obvious they're just going to have to refund it to me at account close. Anyone any advise or how to deal with it sensible in the present? Thanks
  16. Dear All, i really would appreciate help and advice on how to deal with my situation. I visited a country on three occasions from last year to date. On each occasion i notified my bank the dates i was going to be away and the country to which i was visiting so that the Halifax knows exactly which country i would be visiting and how long i would be away. On each occasion of my travel i phoned and advised Halifax but more than that, i specifically asked them if it would be possible for me to use my debit card in that country. On each occasion, the Halifax said there was no problem and i could use my debit card there. On the last occasion i met with my account manager on 18 Nov and explained quite specifically that i shall be visiting this country and shall definitely be using my debit card there. he told me that there was absolutely no problem. Whilst i was away on 08 Dec. my account was closed by the Halifax I found this out by chance because someone gave me some money which my partner tried to pay into my account. She was unable to credit my account when she asked the bank, she was told that my account was closed down because i used my debit card in a sanctioned country. As soon as i learnt of this, i phoned Halifax and spoke with a manager there. I explained my situation and explained that i have to pay a hotel bill and i needed to use my debit card. I explained that i advised the Halifax etc. but the key thing was i needed to pay my hotel bill. The manager said he will see what he can do and will call me back. He never kept his promise. I had to settle the bill in cash which my relatives in the country lent me. Had i not been able to pay the hotel bill i would be in prison now. This country is pretty strict. I had banked with the Halifax for 20 years. I have not defaulted on my account. rarely do i go over my credit limit. i returned to UK over the weekend. i have no idea what to do. Will some one please advise me.? What can I do? How can i get my account re-instated? How do i claim compensation against the Halifax? this is rather urgent because, i now have no bank account. (I am trying to see if i can open an account with another bank) but these things take time. Already, my standing orders are effected. please advise me on what i can do thank you Wrecked.
  17. Hi Lee/Vodafone rep, Ordered a Vodafone PAYG phone to be delivered to store. Never took delivery and so contacted Voda support for a refund to my debit card.However, promised refund still not received. Have chased multiple times since the beginning of October (phone & web chat) with no joy. Please assist. Thanks.
  18. Hi, during 2015 I was at University at Brighton and decided to get a gym membership. I went to a few gyms checking prices and commitments and when I went to LA Fitness the guy that eventually signed me up (obviously trying to make a sale) lied to me, he stated that if I moved out of Brighton (which I obviously would do, as Uni does end) that it'd be fine and my account could be closed no hassle. He stated that all I had to do was be 8 miles from THAT PARTICULAR gym. Well I moved back home to Southampton, and went to cancel my membership stating that "yes, I had moved over 8 miles from the gym." That wasn't good enough, and the lady on the phone replied saying that I had to be 8 miles from any LA Fitness in the UK, and that it wasn't their fault or problem that the guy lied. This was awful news, I was in my overdraft and had no job, and I couldn't afford £20-40 a month, I showed proof (with a bank statement) and they didn't accept that. This went on for 2 MONTHS. I decided to cancel the direct debit on my card, and I heard nothing from then until today, I just got a letter from ARCEUROPE LTD saying I owe them £202.40 and have to pay in 14 days. I can't afford that, being still in my overdraft, what do I do? I've already posted this to reddit and they have pointed out that because I cancelled and didn't keep arguing my cancellation that I'm in the wrong and liable to pay the debt.
  19. HI! I'm hoping someone can give me some advice. I joined Rush Fitness in Feb 2015. I signed a contract to pay £17.99 a month for a minimum of 1 month and could cancel at any time with 1 months notice. Rush Fitness DD is managed by the Harlands Group. In Sept 2015 a payment of £29.99 was taken as direct debit from my account, I tried contacting Harlands but every time I tried they were either closed or wouldn't answer the phone. I made contact with my bank who clawed the money back under the direct debit guarantee. I then received a letter from Harlands on 29th Sept which said: "we have today received an indemnity claim from your bank to refund the sum of £29.99. Consequently we write to clarify the situation. As you should be aware, you have entered into a membership agreement with Rush Fitness. At no time did we or Rush Fitness receive notice to cancel your agreement. The agreement also states that such payments are non refundable. We therefore ask that you request your bank to withdraw its claim immediately. Should you not withdraw the claim and rectify this breech of your agreement with 14 working days, you will incur a £25.00 administration charge and matter will be referred to a debt recovery company to pursue for the full amount and cost incurred. If you would like to discuss this matter please contact the Harlands Helpline. We trust this letter receives your urgent attention." I then responded via email with this: "Dear Sir/Madam, I am deeply disappointed and disgusted to read the content of your letter dated 29th September 2015, your reference XXXX. I have been a member of Rush Fitness for a period of time and throughout this period I have ensured regular payments to the sum of £17.99/month as agreed in the terms of my contract. However, I was shocked to find a sum of £29.99 had been deduced from my bank account instead of the £17.99 agreed. With reference to the contract and your statement "your direct debit payments are protected with a money back guarantee and you will receive 3 working days advance notice of any changes" - This holds you in breach of contract, as I have received no correspondence informing me of any increase in my membership fees. Not being able to make contact with yourselves due to your restricted opening hours, I had spoken to my bank who further confirmed that you were in breach of the direct debit agreement and therefore had made contact with you to recover the payment taken. Which as your statement also states above is protected by a money back guarantee. It appears my bank has recovered the full amount rather than the overcharged, I am happy to forward you £17.99 as per our agree in lieu of 1 months notice to terminate my membership as I no longer wish to be a member of Rush Fitness. My last day of membership will therefore be 23rd October 2015. I trust you will give this email your urgent attention and hope to hear from you soon. A disappointed customer, XXXXXX" They didn't respond so I sent them another to say - I would be grateful if you either promptly respond to my email or discuss my account with my father, who may be available to call you on my behalf. They responded to that no problem and there was an email trail so they've read the first. My father then spoke with them and they were unhelpful and basically dismissed what he said saying I have to pay all of it. Sorry this is so long!! Any advice on how to resolve this before it goes any further would be really helpful! N x
  20. I have a query in relation to my AMEX corporate card. This is a charge card and is fully cleared once a month by a direct debit from my personal bank account. American express are withdrawing these funds on the correct day. However, my statements and online account always report that the payment has been made a whole month beforehand. This means that my online balance is almost always wrong and the statements are not a factual record of the account. Is this even legal?? Here is their "explanation" for why this is happening: This hasn't cause any problems up until recently, but then I was surprised by a very large payment which was marked received on my September statemen t and I had removed from my budget planner. Fortunately, it went through without any charges but it could have really messed my finances up. Overall, this seems pretty dodgy and their explanation is flaky! Would greatly appreciate any advice about my options. Thanks, J
  21. Hi I had a call from my car insurer saying that I haven’t paid anything towards my policy for last 6 months, although I have a valid policy. I had a DD setup with them from my last year's policy, but obviously they have done something wrong and cancelled the DD during my renewal and kept my policy valid, only to find out 6 months into this year's policy. Now they are asking for last 6 months payments to be paid in 2 drops (which is their payment plan), on addition to start the monthly DD as of this month. Just to add to the mix, I had 2 accidents last January in which were still under investigation at the time of my renewal (Last April), so they dropped my NCB and gave me a higher premium until the 2 accidents are declared non-Fault then after I could request back a recalculation for the policy and can get some money back accordingly. Now the 2 accidents are declared non-fault and my NCB is 4 years. As this the insurer fault I told them that: I need them to recalculate first the policy again based on NCB for 4 years. I need the last 6 months to be re-planned over a 12 months period so I can afford to pay, and not to be paid on 2 payments as per their payment plan. I confirmed that I am willing to pay the last 6 months. They will get back to me within 2 days, however they assured me they won’t cancel the policy. Can you please advise: am I doing the right thing? I had colleagues advising me that I am not liable to pay the last 6 months as this is their fault, and they can’t come after me for the money, so is that true? I am feeling uncomfortable doing that anyway, but would be good to know as I am negotiating with them. Can I leave them and go for another insurer? Or they won’t give me documentation proving my NCB? Please help. Thanks
  22. Hi all, hopefully I'm posting this in the right section To cut a long story short, my mum went to Uganda back in May, during her time there [i suspect] she was a victim of 'skimming' and around £700 went missing from her bank account. When she got back to the UK, we took a look at her statement and the ~£700 was withdrawn from various ATM's around Kampala in increments over a few days. Barclays bank did initially cover my mum's losses whilst they supposedly opened an investigation, but just a few days ago, they basically sent her a letter saying that because her card uses the chip and pin stuff, it had to be her withdrawing the cash and that she needs to pay all of the money back. I've done a bit of reading and banks in the UK don't seem to acknowledge that skimming a chip and pin debit card is a thing and automatically place the blame on the victim of the fraud. Is there anything at all that my mum and I can do? Thanks in advance
  23. Hi, Walked out this morning at around 7:30am to get to work and found my car had been clamped with a no-tax sticker on the windscreen. Through ringing the payment line, dvla and enforcement agency (NSL), it has been clamped due to showing on the system as not being taxed since 10/01/2015. I live on a high street, the car was parked in a marked residential bay on the street with a valid residents permit. I know for a fact it has been taxed throughout this year. Anyway, much confusion later, I see my neighbour and tell him what happened and he says he had a letter in my name come through. I live in a flat within a house number (ie XXXa, there is also XXXb etc) and sometimes our letters get mixed up. The letter is dated June 18 and says the direct debit has failed on my car and the tax is now due. It is in my name and has the reg of my car. I phoned the DVLA and explained that the letter had not been recieved, I have now paid tax which has backdated to the first of this month and that had I recieved the letter, the issue would not have occured. My address is listed correctly on my V5 and licence. I have been told the £100 release fee cannot be waived and I will have to pay it; I'm not in a position to do so, I will have to borrow money to get the car released before it is impounded. I have contacted my MP's office as I have ascertained there is no way to lodge a complaint against the DVLA in any meaningful or productive way without going through an MP. What do you think of my situation? Will I have to lump it and lose the £100? Is there a chance of me getting it back? I understand my situation is made difficult by the fact that the letter was *sent*, and the car was not taxed or SORN at the time of enforcement. Thank you
  24. Hi everyone, I could do with some help regarding a direct debit amount that my new energy supplier First Utility have set which is three times the amount I was expecting. Sorry if this post turns out to be a long one. I tried to join First Utility in August this year after deciding to leave E-On when they got rid of my tariff. I tried to join via a comparison site, which quoted £34 a month via direct debit. Unfortunately, the first application was cancelled due to my address being incorrect on the national databases and E-On took their sweet time in sorting this out. I was then able to make a second application with First Utility in early October. This time, I went to First Utility direct, clearly stating that I would use so much energy over twelve months and expected to pay between £400-£450 a year, which was in line with what I was paying E-On (I was infact quoting my most recent bill which had the details of what they expected I would use). Fast forward to the last couple of days where I have received my direct debit confirmation of a whooping £94 a month! The email states that they have based the payment amount "using information I provided when I signed up, alongside information held on central energy industry databases." To give you some background into my energy usage and lifestyle, I am a single person living in a small one bedroomed flat which is not exactly in the wealthiest part of the country. I work full time five days a week and spend some evenings out, so I barely see my flat on those days. I only have radiators at the lowest of settings and I don't leave any unnecessary lights on or have my TV on standby or anything. Doesn't take much to see that I do not get through £94 a month of gas and electricity. I have tried emailing them and I rang them up today. The woman I spoke to said it could be readjusted, unfortunately the line got disconnected so I have no idea whether this is being processed. Apparently my first direct debit payment is being taken on 25th November (despite the fact they have not asked for my meter readings), so I know I don't have a lot of time to resolve this. I am inexperienced when it comes to switching energy suppliers - I was with E-On for four years, they were the supplier set up by my housing association when I first moved into my flat (from leaving 'the nest'), so I don't really know whether this is normal or not. I just want to know whether new suppliers have a tendency to set extremely high amounts but also: what sort of "information on central energy industry databases" are they are likely to be working towards? Would this be something like an average figure for my type of property or just an average figure regardless of property sizes and people's circumstances? should I be making a complaint at this stage? It is not an official complaint and I don't particularly want to burn any bridges early on, but I do think that they cannot justify £94 a month based on the information they have. is it worth mentioning to the Ombudsman that First Utility are setting some direct debits at high values or will I have to go through First Utility's complaints system before they will even consider it? Any help will be much appreciated! I'm happy to answer any questions if I haven't made myself clear.
  25. I got paid a day after some of my direct debit charges were due to go out and i went over drawn with the bank. One of which was hardlands gym membership. Funny thing is, I have two memberships going out to them, one got paid by the bank and one didn't. They have since sent me a letter saying that they are going to try for the payment again, but they've wacked a £20 admin fee on top. I thought there was an end to all these unreasonable charges? I'm already getting hit for £8 by Barclays. they are closed today so I can't speak with them, but what's the best course of action? I am hoping to ask for them to remove the charge completely, considering I have about 2 years to good payment history and it's the first time I've made a mistake like this. But if they refuse, what's the best next line to use. I am not paying it and I would rather cancel my whole DD and end my membership with the gym, than pay this charge, on principle alone. Thanks DY
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