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  1. 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.
  2. 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 acti
  3. Hi, Hopefully you can give advise on my next step regards my complaint. I am trying to be fair with my bank and only asking for my original payment of £120 to be reimbursed, I am not asking for payment for the time and effort I have put in to writing these letters and sending these recorded delivery, the 8% interest, and the added stress this has caused me as a pensioner and full time carer for my son who has severe mental health issues and trying to make sure he isn't sectioned again by making sure he is taking his medication. I really could do without all this on top. I
  4. Hi All, I called several times HSBC (UK) and asked them from where could I obtain file request for doing direct debit so debited funds arrive to HSBC account. I was asking where could I get this file so I could know which info (columns?) must exist, which info is mandatory and which recommended or even not needed/required. I also wanted to ask where could I upload/transfer such file to the bank since HSBC clearly has nothing like this in online banking? Not even ONE single representative was able to help. Everyone told me they never heard about such act
  5. Hi I have been obtaining help and assistance from MacMillan Cancer Support due to a recent diagnosis and they have suggested I make 4 DDI claims against some transactions on my Lloyds account dating back to 2010. The amounts and dates differ than from what was agreed but due to my illness I didnt check them. I lodged the claim with Lloyds after being told by one of the customer service assistants that I should have kept a closer eye on my account...to which I replied Oh sorry I was busy having chemotherapy and my mind was elsewhere. So after a week I still havent heard anything so have cal
  6. In October last year I apparently over stayed my welcome in what I thought was a freecarpark, that's what it says on the way in. In the post came the parking charge notice which I have ignored, then I received what I thought was the red reminder about a month late, but on closer inspection it was from another company about another pcn. Well with that one I had no initial notification. Now I have had the next letters demanding payment or further action. Please can someone help me with what to do. I find some of the threads confusing
  7. Hello, I was wondering if anyone could possibly help me with an issue I'm having with Harlands. I joined the xcercise4less Gym last year in around June 2014, ending my membership around August 2014 (not sure on exact dates at the moment however I'm sure I can retrieve these. After getting into financial difficulties I cancelled my DD with xcercise4less in around August meaning they could not collect my monthly membership fee. I fully accept that in hindsight, this was not the right thing to do and I should have given the 30 days notice as per the contract. After c
  8. I there any time limit on invoking the direct debit guarantee? Merry Xmas Nos
  9. While I was withdrawing money from ATM, Suddenly two persons came from my back side and one of them cancelled my transaction and I asked why you are cancelling my transaction. He replied that This ATM is not working and the other guy also said the same. I thought ATM is not working and my card has been stuck in the machine. Immediately I have called bank and got to know from customer care representative that some dispute transactions worth 2500£ (300£ refunded by bank as they withdrawn this amount at ATM) were made on my card and I have cancelled my ca
  10. Hi, I recently took out EE Home broadband, and elected to pay the line rental up front for the year, so £132 was taken by direct debit on 15th Oct. However, the swines also took a second £132 yesterday. I phoned them and they agreed it was an error on their part, but said all they could do was to put a £132 credit on my account (or else a refund would take over a month!), but they told me to call Barclays and claim it back under the direct debit guarantee (Indemnity claim or something they called it). I call Barclays yesterday evening, and they agreed to do
  11. To cut a long story short, I lost my job through no fault of my own - company went bust. I've now got a new job which I started on Monday. Having no money except for my three tiny pensions (one was cut in half today, reducing it from £75 per month to a measly £38 without any warning whatsoever but that's another story for another thread - and yes, I've already complained), I had no option last week but to take the money I had set aside to cover a direct debit to use it for fuel for the car as I have to travel a distance now to get to work (and we had to eat too). T
  12. hi Really looking for some advice. I have an ongoing issue with british gas, this has been going on for over four months now and i dont know where to go from here. * I changed my account with them and needed to re-set the Direct Debit. Existing Direct Debit stopped.... * They then continued to try and take the money from the old account direct debit, despite new details and a new Direct Debit being set up. * Numerous phone calls resulted in two further new Direct Debits being set up and STILL they continued to try to take the money from the original Direct De
  13. hi guys, I need some help please. I recently returned from a family holiday to the Gambia, where on our first day we attended the TC Rep's Morning Reception Talk to give us an overview of the resort etc. We booked 2 excursions which totalled approximately £297 but they took £3100'ish which took me overdrawn and of course i've been hit with costs and several returned DD's which compounds my problem. The main problem was the fact I didn't have an overdraft facility, so firstly i've hit the bank for an explaination why they allowed £3k to be taken when a facility wasn't i
  14. Hi all, New here, first post. I live in Greece and have a Barclays a/c in the UK where my Fire Service pension is paid in. I use the ATM in Greece and online banking for everyday transactions. My Debit Card runs out in August and although I have asked if my card will be renewed all I have been told is....it is in the post. Is there a proper telephone number to contact in the UK to confirm this or do I have to spend hours and money being moved from piller to post to get an answer. I ask this because many ex-pats here in Greece are being refused renewal from various Bank
  15. Hello, I've been a member of my gym for a couple of months now and originally had some problems with admins fees after a missed payment. I cancelled my direct debit with Harlands and spoke to the gym manager who managed to sort of all the admin fees and allowed me to pay for my missed membership at the club, however, I now need to reinstate my direct debit and the manager said I should call them. After reading through many threads on this site it seems quite clear that I should not call them, I'm now asking is there anyway I could do this by email? I wouldn't really know what to
  16. Good evening everyone, I recently decided I need to deal with the Lowell Group as they started to pester me too much and started doing unlawful actions?? Let me explain. I had a contract with O2 that started in 2007 and somewhere about April - May 2008 I received a letter from them to pay off my 720£ contract since I was unable to repay due to being unemployed. I left UK to try my luck elsewhere and when I came back to UK again in 2012 I started receiving letters from Lowell again and it continues until today. I had a 120 pounds debt with Lloyds Ts
  17. Hi all. We moved into our new house last Friday and we had zero furniture as we were buying new. I saw a great suite deal on www.galaxystores.co.uk (£747 for a matching 3 seater sofa, 2 seater sofa and foot rest) ordered it Monday evening. It was meant to be 1-2 day free delivery but heard nothing tried to log into my account on their site to try and track my order but couldnt, clicked for a password reminder - it never came emailed Galaxy who said it would arrive Friday before 5pm. Friday 5pm came and went and tried to contact Galaxy Stores on
  18. Energy regulator imposes £750,000 penalty on ScottishPower for failing to justify £180 premium for different payment methods - but says £80 differential now charged by energy companies is fair Energy regulator Ofgem has come under fire after claiming energy suppliers are justified in charging £80 more for not paying by direct debit - despite leaving most elderly and vulnerable customers worse off. The ruling came as Ofgem announced that one supplier, ScottishPower, would pay a £750,000 penalty for failing to justify the unusually high premium of £180 it used to charge for non-direct debi
  19. https://youtube.googleapis.com/v/lLAFhTjsQHw%26sns=em This video was sent to me by a friend. I have googled the issue and it would appear that it has been reported by the media last year. Apparently in our fast moving society.. swipe and go appears to be the way Banks are moving forward. However, an American journalist has discovered this could cause many problems. He went to an airport with a consultant who was able to simply point something at their pocket/handbag and download all their credit/debit card details and then clone them onto his hotel key card. He was then able to
  20. Several years ago I got a CCJ for a debt. This was before I found out about this forum and enforceable agreements, CCAs etc and I've no doubt if I had gone down the CCA route there wouldn't be an enforceable agreement! That's another matter though but as I couldn't afford to pay the CCJ off in full I agreed to pay a small monthly payment and set up a direct debit with the Lewis Group. This direct debit has been running for several years however I checked my online banking last week and noticed a new direct debit set up payable to Robinson Way (The Lewis Group
  21. Help! My partner and I took out fully comp insurance with 1st central and were paying by DD. He had an accident about a month into the policy and the car was deemed a write off. We went through the process, it all seemed very simple and straight forward....however....yesterday I got a phone call saying we owe them £789 and that we won't be getting the final payment for the car, that they will be using it to write off some of the debt we owe them, leaving us to owing them £464!! This is the whole premium for the year car policy! They emailed me over the DD instruction when I took out the p
  22. This is really a strange one, I have a WDA account and so does my OH - their account is fine and is paying over and above each month to reduce the balance and no in default. My account is a different story and in default. Last month OH's bank rang to say that WDA had tried to take out over £200 on their debit card and obviously was refused. A couple of days later they paid on their account using their debit card. What I have found out is that WDA are trying to take money from their bank account for my account. Are they really allowed to do this. I can again state that their account i
  23. I have just checked my online banking to find out a company called HFO services ltd have set up a direct debit on my account. Anyone know who they are as I have never heard of them or no what this is for! Thanks
  24. A few months ago I subscribed to a website which required giving my card details. I gave them the card number, expiry date, CVV as requested, and thought nothing of it. That card then expired at the end of January, and being honest, I totally forgot about telling anyone the new card number. However, when I checked my bank statement the company were still taking money using the debit card details I had given them previously. The card number is the same, but the expiry date has altered, as has the CVV number. So how can they possibly take payments off a card that no
  25. I've had my finance with Banque PSA for 3 years and changed my direct debit date shortly after starting the agreement to the 19th to coincide with my payday. I have now had to find new employment and my pay date has changed to 5th of every month starting from February. I received my last wage 19/12/2013 and they received payment then for December. I contacted them last week when I received my new pay date to see if they could change the direct debit - I was advised it can only be changed once so no it can't be done for 5th of the month. I will now miss Januarys payme
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