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  1. This is a thread to contain my payday loans, my original one is here: HERE Here is a list of the payday loans i taken out from 2011-2014 (ish) The last contact i made with them was December 2017 as instructed by Redbridge Finance a company who was "supposidly" going to help me claim compensation from them. Wonga Quickquid Payday express Mr lender Myjar The money shop The cheque centre To name but a few, there are probably more but it really hurts my head when i try and think back. I am not being chased for any of the above debts at the moment, and
  2. Hi there. My husband is trying to claim ppi from Littlewoods/shop direct. He has received a letter from then saying he did have ppi with cover plus. Start date was in 1994. It was fully paid. The thing is, they have enclosed a claim form from the FOS. Why would they do this? Many thanks
  3. My 82 year old mum hasn't been too well recently and her local Nat West Branch has closed down and the new one is a nightmare for parking and she doesn't walk too well. She also got caught out by a phone holiday spoof to the tune of a few hundred quid and became paranoid about the company knowing her account details so we decided that maybe a change to a new bank was a good option. Barclays is my and my sisters bank as well and as difficult as it is to talk about if something happens to mum before it happens to me we theorised that if we are all at the same bank things would be eas
  4. Hi Im not sure if this is correct place to post this so I'll be brief and wont object if someone moves my post to the correct place! I have done a DSAR and noticed on my Bank Statement in 2007 that a cheque I wrote was presented on Tuesday 02/01/2007 and it bounced. It was further presented on the Friday 05/01/2007 and bounced again.* 02/01/2007** *Tuesday 05/01/2007** *Friday If cheque clearing took 4-5 days at that time, how could it be possible that a cheque could be represented 3 days after bouncing in the first place. I am mystified! Please can anybody shed any
  5. My 86 year old aunt still pays her council tax in full by cheque every year. Her cheque stubs show a cheque written for exactly the right amount and there is a corresponding debit entry on her bank statement on 4th April. She's now however being threatened by the council who claim she hasn't paid. The payee wasn't filled in on the cheque stub I've only looked at the date and amount and admittedly made an assumption that such a very individual figure was in fact her council tax. Do banks still keep cleared cheques? Can we ask for it back t
  6. Hi On Saturday morning we paid a cheque into Natwest, it was a PPI Refund, I was wondering why it is not showing up? It was paid into our account and were were told it would be cleared this week, surely it should be showing as paid in? We were given a receipt and I have the letter to prove we were given the cheque , thing is I can not find the receipt but was definitely given one. Any idea why it is not showing as paid in?, even on the balance and the actual amount nothing shows up Thanks in advance Sandy
  7. http://www.fca.org.uk/news/cheque-centre-stops-selling-single-repayment-payday-loans-fca-tougher-consumer-protection One down. Many more to go
  8. It's just a cash gift to me as he's "splashing the cash" after the sale of his deceased parents' house, but I don't know if I should declare it to the DWP, because they might then decide I don't need the ESA or HB at all and just use that money instead for a couple of months. I wouldn't put it past them, frankly. What should I do?
  9. Hi All I heard that Cheque Centre had gone out of business? I had a payday loan with them a few years ago (xmas 2013) for about £300 that then became over £500 with their added interest. They took £200 from my account before I contacted my bank to prevent them from being able to take anymore money. I then stopped hearing from them for a few years, however they started contacting me a few months ago demanding the outstanding balance. My experian credit report is showing the debt as settled and not defaulted - I did say this to them when they called but apparent
  10. Hi Again, I'm still struggling with Accord mortgages over a shortfall from them selling the property for half of what was paid 9 years ago. My ex did a deal recently so I'm left with my half of the debt. I've made a small settlement offer 8% of debt over a month ago. Accord keep pushing me to deal with them over the phone, which I have no wish to do. They also keep pestering me to fill in an expenditure form. I've explained I'm about to be out of work so I don't see how filling in the form is a fair representation of my financial position given I have one more pay day before
  11. We stopped for lunch with friends in a country pub in the middle of nowhere yesterday. As we tucked into the main course the waiter appeared and said they could not take card payments as their machine was down. We didn't have enough cash on us to fully cover the bill and it was roughly five miles from the nearest ATM. I mentioned a cheque and the waiter didn't say anything. The bill arrived and the bar staff and then the Manager refuse to accept the cheque which was already signed and completed. It was being handed to them and they refused to take it as a solution to a p
  12. Daniel Head can’t take credit, move banks or even secure a new mobile contract because his bank mistakenly put a fraud flag against his name and refused to remove it Daniel Head has worked hard to build up a strong financial base and an excellent credit rating over the years. He has never fallen into debt or suffered financial difficulties. But he can’t take out credit, move banks or even secure a mobile phone contract because Barclays (LSE: BARC.L - news) , his bank for 12 years, mistakenly put a fraud flag against his name and refuses to remove it. Fina
  13. just op[ened this mornings post and 2 my surprise a cheque from rbs relating to a charge they made on a loan I had with aa in 2007 . the only loan I can recall with aa was through centrica the parent company which was paid in full and in correct order, the £50 cheque was compensation for rbs giving my data to a dca incorrectly I must add ive never heard of the dca but lo and behold guess whose name pops up: the leeds losers, who claim the account is still active, on further examination of letter its a preprinted letter from Lowell,RBS don't nhave a head office in Sheffield, a little bit naug
  14. Hi, I received a letter in the post today with a cheque attached for £50. I have dialed the number for customer services but no anwer just automated then music. I have an old debt to Capital Bank lost my job and defaulted but think it was after 2007 so if they passed the debt out to a DCA would be around 2009. Anyway things going through my mind 1) is this just an out an out $cam 2) Is this a clever new DCA technique I bank the cheque they now have my confirmed home address and my bank account can be identified from the account it is cleared through. 3) Just paranoid
  15. Hello all from this forum, Lets start back from 2012, on september 2012 I was going to complete 14 year living in this country and for the ones who think I am another foreigner trying to reach the easy life, i can assure you that I have done more to the english elderly than a lot who has bourned here and I am very well documented about that. but the matter is not that yet. Two months before I completed the 14 years life in the UK which would give me the right to apply to the ''leave to remain'' the prime minister, Mr Cameron changed the rules of 14 year to twenty two years, but gav
  16. Anyone have experience in litigating against their bank for reputational damage over an incorrectly bounced cheque? Brief story. I issued a cheque for £20k as a deposit for a property bought under auction terms and conditions. Cheque seemed to clear my account but then was returned. More than sufficient funds in the account. Bank said that they didn't have an up to date cheque mandate for the account despite the fact that I submitted them for both my personal and business accounts. Bank made no effort to contact me by phone to confirm whether I had issued the cheque. I submitted a c
  17. Hello I am currently going through the reclaiming of PPI from Halifax.. but I am also considering applying for additional compensation to help me make repayments of the loan, I took out a loan through B O S ( Halifax), but insisted on a sound and secure insurance protection.. Reason being that I had a Stroke a couple of years previous and wanted to protect myself.. I was also Self Employed!! So as to kept this first step short. . I went to great lengths to cover myself, and now I have been ill again. . second minor Stroke the Halifax has told me " I am not Covere
  18. Hi just wanted a of advice - I had a pay day loan with these, and after defaulting managed to get reduced payments. However, although I asked them for bank details on many occasions they did not give them to me and I paid via postal order, sending it recorded delivery for several months. I am now finally paying them via bank transfer at £2 per month. Do I have any rights to take off postage and postal order costs as they would not respond and give me bank details? The debt is not on my credit report. Many Thanks for your thoughts
  19. HI, a friend of mine who i have been helping with PPI reclaiming has just recieved a whole host of cheques totaling almost 10k, thats the good news. However one of the reclaims was for a loan she took out with a friend of hers about 15 years ago when they started a small business together. The reclaim has been up held and she has recieved a cheque for around £1600 but it is made out to her and her friend instead of 2 seperate cheques for equal amounts. They ceased their business partnership at least 10 years ago and no longer have a bank account in joint names, so there is no where to pay this
  20. If this is fact,will they check on your employment. http://www.dailymail.co.uk/news/article-2576609/Now-rogue-payday-loan-firm-targets-jobless-encouraging-debts-sky-high-interest.html Regards,John.
  21. Hi friends, I have been trying to find information on the forum about Barclays' cheque handling fees but most threads are very old or unresolved. I would like to know what is the latest on reclaiming Cheque Handling Fees. Can I reclaim them? Thanks
  22. Undercover film reveals inner workings at loan firm The Cheque Centre Reveals hard-up families on council estates are targeted by company Many sold loans with interest rates of up to 3,000 per cent Managers boast 'they've never turned anyone down' on camera Workers instructed to cold-call previous borrowers offering new loans Staff 'swipe' customers' accounts when they don't pay up Comes as Financial Conduct Authority announced new rules on industry Read more: http://www.dailymail.co.uk/news/article-2571091/Undercover-MoS-film-exposes-payday-loan-firm-preyi
  23. my ltd company bought a laptop from someone on the express condition it wasn't faulty , stolen and as described. He was paid by a crossed cheque (ac payee only) A day later i got a call from a cheque cashing company who asked me a couple of questions , namely did i issue the cheque , how much , who to and what for. they also asked me if there were funds in the account to cover it and that there were no stops on the cheque. i answered all their questions.. I only tested the laptop breifly on mains power , after a day i found that the battery wasn't holding a charge and that if y
  24. Hi, I have recently received a statement from Nationwide and i have been charged £15 for a cheque that i wrote and had no money in the account to honour. However i wrote the cheque of £10 which was to pay for a SAR at another bank, that other bank returned my cheque and although i have tore that cheque up, i have a letter from them stating that they returned it. The reason they returned it is because i complained that the bank in question was being deliberately obstructive when it came to the SAR, so im assuming they chose not to charge me for this as they were at fault in taking so long to up
  25. Hi, Today I received a cheque from RBS for a Service Charge Refund relating to an account that I closed in 2008. This was a business account which was me trading as a business name so the cheque is made payable to "MY NAME T/A BUSINESS NAME" My question is - can I pay this cheque into my personal account which is with Santander? Hopefully as my name is on it it won't be a problem? Thanks Mick
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