Jump to content

Showing results for tags 'account'.

  • Search By Tags

    Type tags separated by commas.
  • Search By Author

Content Type


Forums

  • The Consumer Forums: The Mall
    • Welcome to the Consumer Forums
    • FAQs
    • Forum Rules - Please read before posting
    • Consumer Forums website - Post Your Questions & Suggestions about this site
    • Helpful Organisations
    • The Bear Garden – for off-topic chat
  • CAG Community centre
    • CAG Community Centre Subforums:-
  • Consumer TV/Radio Listings
    • Consumer TV and Radio Listings
  • CAG Library - Please register
    • CAG library Subforums
  • Banks, Loans & Credit
    • Bank and Finance Subforums:
    • Other Institutions
  • Retail and Non-retail Goods and Services
    • Non-Retail subforums
    • Retail Subforums
  • Work, Social and Community
    • Work, Social and Community Subforums:
  • Debt problems - including homes/ mortgages, PayDay Loans
    • Debt subforums:
    • PayDay loan and other Short Term Loans subforum:
  • Motoring
    • Motoring subforums
  • Legal Forums
    • Legal Issues subforums

Categories

  • News from the National Consumer Service
  • News from the Web

Blogs

  • A Say in the Life of .....
  • Debt Diaries
  • Shopping & Money Saving Tips
  • chilleddrivingtuition
  • Homegirlxx

Categories

  • The Youth Academy
    • The Youth Consumer Service
  • Miscellaneous

Find results in...

Find results that contain...


Date Created

  • Start

    End


Last Updated

  • Start

    End


Filter by number of...

Joined

  • Start

    End


Group


About Me


Location

  1. Hi everyone - I'm in a sticky situation. I went to live abroad for some time in 2015 and I'm back now. I was sure before I left that my UK HSBC account was at 0 but it wasn't due to some overdraft that I gone into without knowing which later led to the account being closed. I just received a letter from Cabot today saying that I owe them a balance of £1347.86. I spoke to HSBC earlier in 2017 and they said to me that the account in question was closed and that I owed something in the region of £200 due to overdraft. I can't remember the exact details but I assume they said the debt was written off, otherwise I would've paid the debt right away then. This also makes what Cabot are saying quite confusing because they're saying I still owe this debt and that the fee is larger than I was told by HSBC. I phoned Cabot right after I got the letter and they told me that it was probably Direct Debit that caused the fee to be so high. I had no Direct Debit and I never admitted liability. I asked whether they have the T&C's of the agreement I had with HSBC, to which they said no. I also asked if I could have evidence of the debt but they said they didn't have anything on their side and they'd need to make a dispute with HSBC. For that I said, I'll contact them myself and get the details so they'll put the account on hold. What do you guys think? Someone told me to get this all in writing sent to them either in email or post. Should I do that? Please let me know what to do since I have no idea! Many thanks in advance.
  2. I am waiting for action against me with trepidation, I have complex mental health problems including memory loss which means I cannot recall all transactions related to matters over a year ago. Thus, the prospect of remembering the details of DISPUTE which were raised over three years ago. I sent many letters DISPUTING with original lender credit card, but don't have copies. They eventually sold to Arrow Global. They, in turn, have used a succession of collection companies , who I have ignored / returned letters unanswered. I now wonder if original lender/credit card will be able to provide ( or even kept) my letters of DISPUTE ? There are times when my cognitive process is greatly impaired, so I am unable to talk, write, take information in. At other times, like right now, I can compose a short email. Any guidance gratefully received . I think I destroyed my records last year in during a psychotic episode. I take anti psychotics, anxiolytics, mood stabilisers and anti depressants , all of which impair my cognitive function. Original agreement 1995 Last Payment 2011 (? needs verifying ) Default Notice possibly issued 2011 (? needs verifying )
  3. Hello all, I took out a Mobile contract with O2 (think it was back in 2010) - then (long story short) marriage broke down, moved to another country now back. Negotiated payment terms with Lowell but now I'm out of work and not getting any money. How do I go about requesting a freeze or write off as I simply cannot pay. All the best and thanks
  4. HSBC now owns HFC Bank in Brighton. I wrote to HSBC Coventry PPI claims office giving my name, DOB and precise former address, last week, but they replied to say: no records of my account can be found after 32 years, and that they are not legally obliged to retain documents beyond the statutory period if an account was closed. I also opened a Loan Account in Bournemouth and fully repaid around 1983. -- same answer from HSBC: no records. I myself have retained no records whatsoever, but I am absolutely certain I had those accounts, and 70% sure there was PPI as was standard custom in those days. Is this a dead end? Should I invest in £10 requesting a SAR, if so SAR sent to HSBC Coventry or to HFC Bank in Brighton? Later to complain to FOS if we suspect HSBC does have records? Thanks to all for sharing experience.
  5. Hi All, Looking for a bit of advice. I am in the process of drafting a complaint to lowell about a 02 refresh bill which I had to default on earlier this year (out of work for a three months). Lowell are claiming £370.10 owed which when I looked at my 02 bills on 02.co.uk seems wrong. I think this relates to unpaid airtime till the end of the contract. I read somewhere that charging till the end of a mobile contract which is defaulted is deemed unfair under consumer regulations. Is this true? and if so can anybody point me to the regulations or relevant case law? Thanks Andrew
  6. Mum's partner can no longer use a mobile phone. He has however been paying EE over £40 a month since 2006. EE initially couldn't trace any account in his name despite giving them bank details etc, but then did find it when I said OK, give us the money back then .... They've ignored all requests for documentation so far, have known for 4 months that alleged account holder has a Power of Attorney in place, but have apparently set the debt collectors on him anyway. He's not received any correspondence from EE or the debt collector. EE have provided some numbers associated with the account, none of which match his last number, which he would have last used at least 3 years ago. He does still have the phone and it has a Sim card in it, but heaven only knows where the charger is. One of the numbers EE provided apparently has recent regular usage, data as well as calls and texts. I can just about believe he might have, accidentally or otherwise, made a call, but sent a text or used data? No chance. Other than repeating the request for documentation, any other suggestions?
  7. Hello all. My wife has been receiving texts from TSB telling her that she is overdrawn and detailing the amounts spent and where for over two months now.....but she doesn't have an account with them. She has phones them three times to complain that she has been worried over this, thinking that she may have had an account with them that she had forgotten about, etc. TSB say that 'someone must have put your phone number in their details' but haven't actually done anything about it yet. Please can I ask what she should do about this?
  8. Hello all In the Autumn of 2017 I moved into a new property. Both Gas and Electricity were provided by Npower on a PostPay meter. I immediately contacted them to advise them who I was and they set up new accounts for the property in my name. I then went to a comparison website and ended up switching both fuels to Iresa. Npower did not object to the Gas being switched but did initially object to the Electricity being switched. I contacted Npower who said that they no longer objected and Iresa should apply for the transfer. I subsequently received final bills from Npower which I promptly paid and closure of the accounts and commenced paying Iresa by monthly Direct Debit. I continued to receive bills for Electricity from Npower, some were issued and cancelled and they appeared to have some confusion, then re-issued with different amounts. I ignored the lot. However, it got to the point where Npower were threatening action including adverse credit reports. I wrote a letter of complaint and this was duly investigated, if that is the right word. Npower claimed that Iresa had not requested that the electricity be switched over the second time and that I was still liable for it. To complicate matters Iresa has gone bust and the new supplier is busy absorbing the accounts into their own operation. I believe having contracted with Iresa, paid my final bill with Npower and been notified of account closure by Npower that I owe them nothing. This is currently out with Face2Face, their field agents which is likely the last debt collection action before an application for Disconnection (or a prepay meter) is made. Anybody got any advice? Thanks in advance for reading and contributing.
  9. Hi all. I’m looking for some advice. I recently opened up a noodle account and noticed that a TSB account of some sort had been opened in my name. I think it was a loan as there have been monthly payments and now has a balance of £0. I know I should have checked sooner but in the past we used ones like Experian mainly for our credit score. Here are more details anyhow. The account was opened approx 3 years after we left the address it is registered at in 2014. There have been regular payments into the account/loan and everything other than it being false, seems ok. Payments stopped in April of this year and is marked up to date as of the end of April. Not sure how they managed to get my details as we had a redirect on for the mail and quickly notified people of our change of address etc. but something got through or left behind in the move. I’ve contacted the bank and have been given the number for their fraud department and have also marked the account as disputed on noodle. What I would like to know is what steps should I take to make sure this account is dealt with appropriately. Thanks and any questions that might help let me know. Spoke to their fraud department and it’s a current account, not loan etc. They’ll investigate and send me a letter in 10 days detailing what evidence was used to open the account. They’ve stopped the account and put a note on it.
  10. Hi I purchased a cctv from Maplin about 8 months ago using my Santander c/card, I closed the account about 6 weeks ago and now the cctv system is broken, Maplin have liquidated of course so I ask.... Can I still claim a refund on my old card? Thanks
  11. Hi I have a joint account with Barclays that I opened with my ex. I split up with my ex more than 18 months ago yet she is still refusing to close this account. Help please! My ex claims that she will not be closing the account as she is struggling financially and seems to think no arressment or freezes can be put on a joint account. Since we split there has been 500 loan applications made according to my credit file!!!!!!! Lost and would appreciate any guidance please. Many thanks F
  12. Hi, I think I'm in a similar situation. I recently received a letter from Cabot saying that they had bought an account that I held with LLOYDS TSB - Credit Card. The first letter was dated 19th November 2015. Subsequently I have received two additional letters the last being, I imagine, the same as above (parksey78), just a form wanting pesrsonal details and income/ outgoings. I genuinely have no knowledge of this account and I was therefore about to send the template letter regarding 'no knowledge' when I came across a similar thread suggesting that it maybe better to wait. I have two questions, the first is should I wait until I get something more substantial from Cabot as you have advised elsewhere and two what is the reason why you would suggest not sending the 'no knowledge' letter at this stage? Is it simply to avoid entering into any form of dialogue with them? Thanks in advance.
  13. Hello. My account has been under review since 2/1/2019. Everything is blocked. Something has come to light as to why this is. I sold my e-cig vape collection on new years eve over Facebook, the person that bought this off me bank transferred the money which totalled £60. It was a faster payment. On the evening of 2/1/2019 this person told me that his wife had called the bank previously that day and said that he been conned. He told me that his wife made the payment from her account but at first he said it was from his account but that doesn't really matter who's account it was paid from. I had posted his item using a reputable company (Parcelforce) on the morning of 3/1/2019. I couldn't post on the 2nd as i was working . I used a tracked postage service which cost me £17.70. I have attached this receipt to this email which includes a tracking number. He wanted it posted originally on new years day which was impossible as it was a bank holiday and no post office was open. The person who i sold this too was called (edited out). It seems like he wants the goods and his money back as well. I have asked him to call his bank immediately to rectify this and he keeps giving me excuses. This is the only reason i can think as to why they have put my account under review. Has anyone been in this situation before? (This is the email i sent to [email protected] with photo of the receipt of the parcel)
  14. I found out yesterday that RBS have closed my account with no warning and they have said I can't get any funds out of the account. They say there is a letter on it's way - it leaves me in a bad way just a few days before Christmas. They told me to contact them in the New Year to see if there is any update. How long can they keep my money for? I had an old debt with Natwest going back 20 years - can they take this from my RBS funds??
  15. I had a Next Directory account opened in 1991 in which was paid off in full in 2004 and closed. On checking my old statements it has come to my notice that their are various monthly PPI amounts deducted (£1,244 in total) in which I cannot locate any agreement to or ever signing anything. I sent the standard template letter with payment requesting Credit Agreement details etc. I received a response from Next advising that when the account was opened a pack was sent to me explaining that PPI was automatically added and would appear on the 2nd statement. I was also invited to write to Next to advise if it was not necessary and how it could be cancelled. Therefore it was not their responsibilty for suitability of said policy as they were not regulated at the time. They also go onto say in the case of Next Directory consent is not given in the credit agreement but is contained within the T & C's which appear in the Directory and on the website and cannot confirm how the account was opened due to length of time ? Next say that they do not need my consent to share information with such agencies as this would be addressed by agreeing to T & C's when placing orders. Finally they are unable to provide a copy of a signed agreement and that by law they do not have to anyway but have sent a blank copy of Credit Agreement and final statement of account details. I have today received a further letter from Next advising that I contact the policy administrator First Assist re PPI complaint, who I called and they advised that it is Next's responsibilty for mis-selling ( as it was sold by Next) and not theirs ? Now my questions are obviously what do I do next ? Do I pursue First Assist / underwriters if regulated ? If underwriters how can I find who they are ? Also do I still submit a SAR to Next or am I wasting good money ? Any advice would be very much appreciated.
  16. Hi, I've received a Notice of Assignment letter from Hoist Finance UK Holdings 1 Limited. It relates to an MBNA credit card debt that I paid off in full October 2017. There were no late payments for the duration of time I had the debt, and the balance they have on the letter looks to be from many years ago. I've seen from other posts here that you can send the holding company a request for more information and what data they hold on you, but since I don't owe any money and they currently have extremely out-of-date information about me (only address is correct), I don't really want this to become a dialogue. My question is: how can I make sure I don't get any more of these letters? Also, if I can, I want to be able to take further action - it is amazing to me that debt buyers can chase old data in the hopes they can get grab money of people that either don't know that it is out-of-date (not everyone is a credit report nerd) or that they no longer are legally required to pay. I found it a little scary to receive the letter, and that's with full knowledge that it is trash. You know when something is legal, but horribly wrong?!
  17. My personal current account was recently suspended pending a 'compliance review' and then about 3 days later immediately closed with no warning. No reason was given so got absolutely no idea why it was closed. They are also saying that the balance (approx £3-4000) will be credited back to the most recent accounts that have paid in, but this won't be done for 6-10 weeks, "possibly longer". They blocked a payment out for my rent (made approx 4 days prior to them suspending the account initially) which they were informed about right away, and which caused the payment to be 10 or so days late - causing a lot of distress as I got grief from my landlord and had to find somewhere to borrow the money from to pay the rent. Can they just do this?
  18. 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 investigation be done before any money is refunded taking at least up to 10 working days. We all know that isn't true per the FCA rules here: https://www.fca.org.uk/consumers/unauthorised-payments-account This is going to cause them serious problems as they need to attend medical appointments and put food on the table etc. They have offered a £35 GOGW payment in the first instance. The question becomes, how does one quote the legislation over the phone to effectively force the bank to behave themselves and issue those 'temporary refunds' until the case is investigated? Whilst I am sure they would be happy to make complaints to the FoS etc.. They need access to their funds and the bank are being deliberately obstructive. They want me to speak to them later today to see if quoting the FCA rules has any effect. But is there anything else you could advise in the second instance. Friend is classed as vulnerable adult with serious mental health issues too.
  19. Received letter from Capital One in April 18 RE:A credit card debt. We are writing to inform you we have instruced Fredrickson to act on our behalf to arrange payment of your capital one account, blah blah blah. I DONT HAVE A CAPITAL ONE ACCOUNT. Checked credit file with call credit and already listed on my report as sustained arrears. Steady flow of letters coming from Fredrickson now one stating on 5/6/18 "as there is a default on your credit file this may affect future credit". Checked credit files this morning no default as of yet. Sent SAR to Capital One and received reply back stating "The information you have requested has not been enclosed as we cannot locate a capital one account in your name using the details above". So they have added an account to my credit file in arrears Have sent me letters stating they have passed it onto Fredrickson Received steady flow of letters from Fredrickson But they state they dont have any record of me ?????? As stated above i do not have or had any dealings with Capital One . Whats the next course of action please ?
  20. Hello all, My very first post ever on here. Please can I bend ears, pick brains as I'm confused about the letters I've had today. Letters in my maiden name, I was married in 2003. Debt amount 943.43 I understand the letters are stating they are a statement from year 2012 right through to 2018. Stating they haven't applied interest or sent statements and I do understand this with an apology. Original debt citi financial Then it's saying passed or changed to arrow and now cap quest have got the debt. I do recall cap quest contacting me on my mobile a few weeks ago, I didn't recognise number so did a Google search. Didn't ring them back and thought nothing of it. Today came home with letters with different dates from 12 to 2018. Every single ccj or default has been lifted off my credit file 2 months ago. Following a painful debt paying process I can honestly say this has blown me. I'm worried. I have paid everything and now I've got this. On one of the statements in May 2013, it appears I've paid AND I do not recall me ever paying this, but a 15.00 payment has been made..... This has thrown me and no idea what it means. The start of letter reads, fixed term credit agreement, with ms E Maiden name and citi financial. If you require further info or for me type out what they say, each letter is the same, just different years. However, each year is dated 1st May 2012, then 1st May 2013 etc. Checked out the days unless they work on a Sunday.... The only letter that's different is one printed this week. It's ref is remediation of account. It is from Arrow and makes no ref to cap quest apart from saying if wish to discuss at bottom. Stating under rules cca 1974 stating required by law to write and noticed that we haven't written to you. Further saying that a full review of my account and failed to provide me with statements since May 2011. To remidy this, we have compiled all your statements. On the what does this mean to you. It states, this exercise does not affect your account, repayments or your obligations to repay. If anyone knows what it means and what I need to do. Not sure about this payment In 2013 either. Not sure the action to take on this Not sure the action they can take on me. Thank you
  21. Hello everyone I’m looking to get some help if possible please my partner recently applied to open a new HSBC bank account for the cash incentive via the online system. The account she applied for some reason was declined but then instantly offered a standard basic account instead which she accepted and the card and pin arrived a few days later. The following week another letter arrived in a large envelope again from hsbc this time stating they had now closed the account without warning or notice due to not meeting the banks criteria. Strange but ok fair enough she’s not wanted as a customer until she noticed it was hand signed by someone from the fraud analyst department Becoming very worried she contacted the bank who refused to tell her anything and was then advised to send a SAR request to HSBC bank and also CIFAS. Friday she received a letter from CIFAS with a Single CIFAS FRAUD listing from HSBC BANK under the heading APPLICATION FRAUD that she did not list a previous address with adverse history APPLICATION GRANTED This is absolutely disgusting she’s done nothing wrong currently been living in the same house since June 2014 so we’ll over 4 years now. HSBC application page clearly asks for 3 years address history which she’s obviously listed her current address so nothing makes sense at all. She’s sent the HSBC ceo a email who’s replied today with this ( I can understand your frustration in that we ask for any addresses in the last three years and you moved four years ago, so shouldn't have to supply another address. However, we had information there was adverse credit data accrued in your name at a different address within the last three years. I'm very sorry for any confusion caused but we have correctly followed our process. We also correctly reported the instance to CIFAS, as we have an obligation to do. I'm understand this may not be the outcome you were looking for but I hope this has helped to explain our position. If you feel the information we had was incorrect, you may want to check with the Credit Reference Agencies. We use three agencies, Experian, Equifax and Call Credit. ) We are both extremely upset and worried about this issue as she’s done absolutely nothing wrong and is now obviously petrified that all her other financial dealings with other banks etc will see this and close everything down. What do you suggest we now do and has anyone else had issues like this previously that could advise we would be very grateful
  22. Greetings, this is my first post and Im hoping that I may find some help Im divorced from my wife and a while back she randomly rang me to ask if I had received a cheque? I managed to find out that she had employed the use of the claimsguys company and they found a PPI on a joint loan we had years ago, her cheque was for just shy of £20k, she had rung them and they confirmed that this was her 50% and not the entire settlement I rang barclays bank that the loan was with and they went through it with me, explaining that yes indeed the had applied and then been awarded 50% of the total claim, there was a 22K policy applied, and the total sum awarded was £39673.80 the problem Im now running into with them is that they keep telling me different things, 1 call resulted in me being told that they simply had to issue a cheque for my half and to wait for it, then another call I was told that the case was closed latest news is that her claim was upheld and she awarded 50% of the settlement, but I wouldnt be receiving my half?? what do I do to fight this?? its a serious amount of money, more than I earn in a year and as a now single parent it would change my life many thanks edit to add her claims company have rerally tried to get her to tell me to contact them, but I found out that she lost over £7000 in fees OUCH.. if I can sort this without them, I would be far happier
  23. have had numerous issues with Erudio, as is pretty usual with this shower regarding their distribution of paperwork. My physically abusive ex husband withheld my post for a year in 2014-15, when I left him so my account went into arrears, as I couldn't defer as I didn't know it had been sold.eventually sorted it out via the police paid Erudio £100 a month (whilst in deferment) towards arrears then my income went over the deferment threshold have been paying the contractual amount (that they set) of £139.48 for 20 months. I phoned on 08/10/18 to ask if I could change my DD to 1st of month and the man on the phone said no as it would be breaking my contract. Today I received an aggressively worded letter dated 09/10/18 from them terminating my account and demanding £3055.87 by 07/11/18 to pay off the arrears. The remaining balance is £3905.33. Citing 'You have broken the terms of your agreement because you failed to pay your repayments on time and in accordance with the terms of the agreement.' Why would they pursue this two years later, after accepting a repayment plan? I have already paid £2236.59 . This year I am below the deferment threshold. Should I ignore? I want to actually take this further and see if I can look at if taking them on and argue that they entered into a new contract by accepting and setting the contractual payment amount and by not issuing a further default notice and that they have not followed process as they have jumped straight to demand in full. Surely they would be hard pushed to get a judge to agree with them that I am not doing enough to settle my debt when I am not taking up the option to defer even though I am now under the threshold and I have maintained monthly repayments? I am also mentioning unfair treatment as they are refusing to give a reason why they have suddenly made this decision.
  24. Hi - after some of your valueable advice. Got a letter from Barclays Bank saying they had reviewed their accounts and that some of the charges they had place on my account were unfair and that there was a refund of £434 due to me BUT this had been paid into the overdraft on my account. I closed my Barclays account in 2016 and there was a DRO taken out which covered the overdraft on this account which was still owed. So is that correct that the refund should go towards this, since the O/D was written off with a DRO in 2016 so did not owe them anything. Also they did not specify that charges were directly related to the O/D they were charges placed onto my current account. Sharon
  25. Hi, I sent out a CCA request to DLC, who were collecting for an old Egg debt; I have been paying £1 token payments to them every since the account defaulted over 6 years ago, and due to having moved house a couple of times since, have completely lost track of what has happened with this as the standing orders were set up to come out automatically. Last week I received a response to my request from DLC stating "we returned the account to Egg in July 2010, who have since ceased to trade. We assume that your account has been acquired by a third party company and we suggest you contact them". I have no idea who to contact about this now! Any advise as to what I should do next? If Egg have ceased to trade, then where has my £1 a month been going?!! Many thanks AM
×
×
  • Create New...