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Found 87 results

  1. New veterans ID cards rolled out to service leavers READ MORE HERE: https://www.gov.uk/government/news/new-veterans-id-cards-rolled-out-to-service-leavers
  2. Having read this forum and had a pretty good solicitor in a recent case, I have cobbled together what I perceive quite a nice defence, if anyone is interested. Obviously people would need to tailor to their own needs. Just really mentioning this to give something back to an excelllent forum and Dx100 help. shall I post it up? It does not include which I have read here recently.: 1) Unfair Terms in Consumer Contracts Regulations 1999 The Office of Fair Trading v Abbeyicon National PLC and others (2009) 2) Show how they have complied with sections III & IV of Practice Direction - Pre-action Conduct. The only issue I have is that I have used a few times and I dont want a judge to think I just copied a template off the internet. I would be happier to give it to MODS for them to give it to trusted / known posters? Am happy to PM someone if they wanted to "disguise" it.
  3. Hello I have several outstanding debts with payday loan companies and credit card companies which have now been assigned to DCA's apart from where mentioned details below. Drafty PDL- now being chased by Asset Collections £746.55 Sainsburys CC - Wescot £1039.97 wage day advance PDL £492.71 - Moorcroft Vanquis CC £566.68 - Moorcroft The money shop PDL £768.84 - BW Legal EE -phonebill £155.03 - Moorcroft Capital 1 CC £245.58 - Fredrickson/lowell Tesco CC £539.66 -moorcroft Very £897 no dca actiity Safetynet credit £503.89 PDL - Opos satsuma PDL £738.00 no dca activity halfax CC£1959.95 - Wescott western circle/cashfloat - £607.37 no dca activity Just under 10k by my reckoning, what would be the best route forward iva/dro or reduced settlement figures ? Thanks in advance.
  4. Hackers access 5.9m bank cards at Dixons Carphone Dixons Carphone says it has been the victim of an "unauthorised data access" in which millions of customer bank card details were targeted over the past 12 months. The company believed there were attempts since last July - only discovered over the past week - to compromise 5.9 million cards in one of its processing systems for Currys PC World and Dixons Travel stores. It said there was currently no evidence of any fraudulent use of the information - with the vast majority of the cards having chip and pin protection. However, Dixons Carphone said it had notified card providers to 105,000 non-EU issued cards that did not have chip and pin technology so those customers could be immediately protected. In addition, Dixons Carphone said 1.2 million personal data records were hacked. It admitted non-financial personal data, such as names, addresses or email addresses, was accessed but it again insisted that it had seen no evidence of any fraud at this stage. The breach was currently being investigated by police, it said, while regulators had also been informed. https://uk.yahoo.com/finance/news/hacking-targets-customers-currys-pc-world-064800857.html
  5. Hackers access 5.9m bank cards at Dixons Carphone Dixons Carphone says it has been the victim of an "unauthorised data access" in which millions of customer bank card details were targeted over the past 12 months. The company believed there were attempts since last July - only discovered over the past week - to compromise 5.9 million cards in one of its processing systems for Currys PC World and Dixons Travel stores. It said there was currently no evidence of any fraudulent use of the information - with the vast majority of the cards having chip and pin protection. However, Dixons Carphone said it had notified card providers to 105,000 non-EU issued cards that did not have chip and pin technology so those customers could be immediately protected. In addition, Dixons Carphone said 1.2 million personal data records were hacked. It admitted non-financial personal data, such as names, addresses or email addresses, was accessed but it again insisted that it had seen no evidence of any fraud at this stage. The breach was currently being investigated by police, it said, while regulators had also been informed. https://uk.yahoo.com/finance/news/hacking-targets-customers-currys-pc-world-064800857.html
  6. Hi all, I filled Barclaycards online PPI claim form in regarding an Egg card paid off a couple of years ago. One week later (yesterday) I receive a letter from them acknowledging my claim form and outlining what will now happen. They say they will contact me by 10th March with an update and have also sent a form for me to send back submitting my bank details for any repayment of PPI. So not bad from them! However, I only asked them to research the Egg card but in the letter they say they have found two further card numbers "linked" to the Egg card and will investigate them too. Im not sure what this means. I had other credit cards around that time but they were separate cards from other card providers. They were not "linked" to the Egg card in any way. Could it simply be that they are now responsible for other cards I may have had by way of buying other companies as they did with Egg? Thanks all.
  7. Hello All, I have received a letter telling me an old HSBC Credit Card was sold to Cabot Financial today and that they would be in touch shortly. The account is not statue barred. Whilst I am happy to enter into a repayment plan, I want to make sure that they have all their ducks lined up and have all the correct paperwork. I originally had a dispute with HSBC after they blocked the card on Christmas Eve and that very nearly left me stranded Birmingham Airport over the Christmas Period. At the time there were plenty of funds available on the card and it was the only card I had on my person at the time. Long story short I phoned them on the day asking why the card was not working and noone could explain it to me either. I was promised several callbacks which they never made and a resolution the same day which also did not materialise. As I couldn't buy the train ticket I needed, I had to take several buses to my Christmas destination which in all took over 10 hours to complete a 60 mile journey.......... As I hold an ENCTS pass this journey cost me nothing but did cause considerable inconvenience at the time. I made a complaint at the time and whilst they acknowledged the complaint, they did not respond and when it came to them wanting something (i.e. to pay the bill) I refused until the complaint was resolved to my satisfaction. Apparently they had nothing on file and still did not know the reason for the failure of the card. This contradicted what I was told on the day of the failure which was "A Back office team is working hard on this as we speak and it will be resolved shortly" which now appears to be from my perspective a complete lie. Fast forward to the issue at hand now, I received a letter that the account has been sold to Cabot Financial and that I will begin a game of letter tennis within the coming days. How is it best to proceed from here. I don't particularly want to furnish Crapbot with too much information. But I'm happy to do my homework and see what happens. Debt is for a Credit Card approx £1,800 I don't doubt for a second that Crapbot will take legal action eventually but I'd rather give them notice as it were that I know how to handle this matter. I'm thinking just a bog standard CCA Request uncrossed postal order and see what they come back with? Perhaps a SAR to HSBC as well?
  8. Dear All, I filled out the online form for Barclaycard to reclaim my PPI, which I never realised that I had. I get a reply this week enclosing a copy of a letter dated November 2014 that apparently they sent me when I applied for return of PPI the last time??? I have zero memory of doing this and I am not convinced they are telling me the truth. In any case they are telling me that nothing was miss sold and I am not getting any money back. It seems like a generic letter and they have used internal and external evidence to reach this decision. They have also included the "linked cards" that where on my account? I have no idea what the linked cards are. Does anyone have any ideas? I am about to send a new letter to Barclays advising them that I never received the letter dated November 2014, can they please provide copies of all credit contracts between barclay card and myself and also copies of all the evidence internal and external that supports their case so that I can take this case to the next stage. I would also like supporting evidence that shows me that the PPI was not missold. I have advised that i will take the case to the BO. Has anyone else had a similar situation? Does anyone have any experience as what has happened once they get a letter asking for the supporting evidence? Finally what linked cards? Many Thanks
  9. Banks have admitted that thieves are able to use contactless cards even if they’ve been cancelled – sometimes months after being reported stolen. RBS, Lloyds, HSBC, Barclays and Nationwide admitted that a ‘weakness in the system’ can allow fraudsters to use cards after they have been reported lost. The ‘tap and pay’ cards allow purchases up to £30 without requiring a PIN number. The problem stems from the fact that some shops complete purchases ‘offline’, without checking with the card issuer if a card is valid. Instead of checking ‘live’, some shops store transactions and check batches at the end of the day, meaning that stolen cards can sometimes be used. The FCA says that if customers fall victim to this kind of fraud, they are entitled to get their money back. https://uk.yahoo.com/finance/news/thieves-can-still-use-contactless-cards-theyve-cancelled-banks-admit-103749226.html
  10. How can my father go about claiming for PPI for credit cards? 1. if the debt has been sold on to a debt collecting agency 2. if my father no longer has statements 3. do I can a generic letter out with a reference number to the debt collecting agency or the original credit card company?
  11. I recently sent Ace a CCA request and they have returned the attached 'reconstituted copy'. When I started using the catalogue I was at a different address to the one they have written on this copy CCA form - does that matter? PPI claim and charges issue will be put on another thread. Ace have sent me statements going back to 11.01.2001. I am not too bothered re the 'service' charges but I have 3 x £20 default sums from 2006, which are after I had informed them of financial difficulties. If I could get these plus PPI [another thread] back then my account should be cleared. I understand there might be a limit of 6 years for these to be claimed back? any thoughts? PPI form sent to ACE for PPI amounting to £240+ - they have passed my 'information regarding the PPI to the relevant department who will contact' me separately. Just wanted to get this thread started as I am expecting issues to arise.
  12. Should Vanquis be sending out Annual Staements even if smaller than normal monthly payments are being made?
  13. Thousands of people with lost or stolen contactless cards have been warned they could be used by fraudsters up to eight months after they are cancelled. The problem generally lies in contactless card payments being processed in one of two ways - 'online' or 'offline'. When payments are processed online, the card and payment machine immediately communicate with the customer's bank. If a lost or stolen card has been cancelled, this will be flagged immediately and a payment not allowed. Offline payments are stored in batches by retailers and processed online to the bank at a later point, sometimes a few days later with smaller stores. This can allow a thief buying goods on a stolen card to go undetected. Read more: http://www.dailymail.co.uk/news/article-3779910/Thousands-contactless-cards-lost-stolen-warned-fraudsters-use-EIGHT-MONTHS-cancelled.html#ixzz4KtdyLapj If your contactless card is lost or stolen make suer you check your statement for fraudulent transactions.
  14. Sending sar off tomorrow, not sure if there are many charges on this one, I have been pretty good with Citcards even though I dont have the card anymore............
  15. Hi I have a part repayment and part interest only mortgage. I tried to remortgage last year with Chelsea but we couldn't afford new monthly amount. I had house valued and didn't have enough equity to do it with another lender. Any ideas what I can do with the interest part as don't want to lose my house when mortgage ends in 12 years. Also I have credit card debt so would it be better to use money I have to clear these or put savings on the interest part of mortgage? Any help would be appreciated and apologies if it's on the wrong forum.
  16. I ordered a standard sim card in my mams name for my phone as she gave permission. but my samsung galaxy mini series 4 phone only takes the smaller sim cards can I use my Pay monthly card deal on my pay as you go card even if it means doing some tweaking with numbers. dose any one no what to do or even understand what im talking about? Bankers4me
  17. I've read some threads on here regarding claiming PPI, charges etc from studio cards, I have had a account with them since approx 1999, and have bought things on & off since then. I currently owe £80 but about £30 are charges, over the years my balance has been paid off then used again and balance has gone up to £800 at one point. I cancelled PPI on the account last year when I used my account after having a zero balance and realising they were adding PPI. I had letter saying I couldn't reclaim for ppi after I cancelled it. I'm wondering if its worth sending studio a SAR to see what charges etc I have and try and reclaim them. I know the PPI wouldn't have paid out as I was a housewife when I first had studio account so wouldn't have asked for it anyway. Is it worth sending SARs to any catalogues etc I have/had and try to reclaim? Whether they have balances on or are zero balances? Thankyou
  18. "Thousands of Argos customers who took out store cards will get letters promising them compensation after they were wrongly charged late fees. The owner of the retail giant, Home Retail Group, said it is putting aside £30million to refund customers. The mistake was discovered after a management shake up. Like many high street chains, Argos offers customers store cards that allow them to buy upfront and pay later. But when customers failed to pay on time, the retailer demanded what it now describes as “excess fees”. Argos will now write to affected customers telling them of the mistake. The refunds are understood to be on average less than £100 - indicating that thousands may be affected. A trading update said: "The Group’s Financial Services division identified that it had erroneously collected excess fees in relation to the late payment of amounts due from certain customers." http://www.mirror.co.uk/money/argos-pay-30million-compensation-late-8146160
  19. Hello, Its my first time when i am trying to claim my PPI - can someone help me where to send complains I had a few store cards, all now closed and all information are from my Equifax account DEBENHAMS 2009 - 2013 - NewDay MONSOON 2007 - 2012 - NewDay TOP SHOP - account closed 2009 - GE Money River Island - NewDay NEXT - (2006 - 2012) I had as well Personal loan from Ocean money and again I dont have idea which address to use? Any help will be appreciated
  20. I have a problem with a Credit Card on which due to unfortunate circumstances I can no longer afford the payments demanded. Way back in the past when I had similar problems you guys were able to help me out. There was a section here on this forum which contained several pro-forma letters which I used to get the Credit Card Company to close the account, freeze the balance without adding any more interest, and accept a much lower payment repayment plan. Can anyone point me to the section where I can once again find these pro-forma letters and make use of them? Many thanks.
  21. Two million people across Great Britain have experienced problems cancelling recurring payments which are often used for buying products online like e-book subscriptions or video streaming, finds a new report from Citizens Advice. The study, Locked In: consumer issues with subscription traps, which includes evidence from Citizens Advice and Citizens Advice Scotland, also reveals that people are often signed up to these type of recurring payments - also known as Continuous Payment Authorities - without their knowledge. People taking up offers for free trials of slimming pills or discounted beauty treatments find regular payments are taken from their credit or debit card without their apparent authorisation. Details of the ongoing payments can be hidden within the terms and conditions. Sellers often get hold of a customer’s debit or credit card details by asking them to pay for postage or packaging. According to the UK Cards Association customers can cancel recurring payments with their seller or with their credit or debit card issuer. But Citizens Advice finds that many customers have difficulties getting these payments cancelled. https://www.citizensadvice.org.uk/about-us/how-citizens-advice-works/media/press-releases/2-million-have-problems-cancelling-subscriptions/
  22. I got behind with my TSB credit card payments because I have been off work due to illness. I sent TSB a valid sick certificate signed by my doctor. They have now sent me a large form which not only has to be filled out by a doctor but if I sign it will give them access to my medical records. I told them that they have a medical certificate and they are insisting I sign the form or face legal action. Can they do this?
  23. Someone has emailed the following complaint to CAG admin - the following message is exactly as received. No contact details for a response were included. E Credit Plus Ltd 2 Minton Place Victoria Road Bicester Oxfordshire OX26 6QB This Company are HARRASING me with numerous SPAM TEXTS for Yes Card yescardaccept.co.uk~ |THEY ARE A BUNCH A FRADIUSTERS AND NEED TO BE STOPPED!!! I have reported the number from which the text's are sent from to the ICO but no action has been taken. I am sick of it!
  24. CAG, along with many others have been steering people away from Pay Day Loans. Now there is a new tactic from one particular bank. I have personally condemned Vanquis for their high interest rates and being no better than a revolving Pay Day Loan. CAG has seen many cases of how easy it is to get into serious debt with this particular type of credit card. Now Money Mail are on the case....
  25. CAG, along with many others have been steering people away from Pay Day Loans. Now there is a new tactic from one particular bank. I have personally condemned Vanquis for their high interest rates and being no better than a revolving Pay Day Loan. CAG has seen many cases of how easy it is to get into serious debt with this particular type of credit card. Now Money Mail are on the case....
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