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Found 119 results

  1. I found the threat about Fendy-v-HSBC https://www.consumeractiongroup.co.uk/forum/showthread.php?83821-Fendy-Can-I-Get-Statements-From-Old-Midland-Bank-Account-20-Years-Ago I was interested because i was a customer with Midland bank, then rolled over to HSBC when HSBC took full control over Midland Bank. I had a situation where, after rolling over to HSBC, i spent time away losing contact with the HSBC representatives who Dealt with my every needs (Year 1994-1995). I returned to HSBC in 1997 to open a new account, staff then did not want to provide me details of older accounts (1994-1995 accounts). i opened new accounts and lived my life avoiding the intimidation. In 2016 I read an article the HSBC can trace or locate Midland bank accounts, and that there is an Inactive account process where HSBC may hand dormant accounts to the BBA. i filed forms with HSBC and the BBA to see if they could locate the accounts. I was not asked, but the accounts i held in 1994-1995, the accounts i wanted to recover where frozen due to attempts of Unauthorized access. I only assumed they had gone in to dormant or inactive account process. HSBC representatives tell me The bank only holds records for a period of seven years, Unless i can prove HSBC holds records for a longer period of time. I referred to the Inactive accounts. Now HSBC Inactive accounts state that "If your account is in credit and has been dormant for at least 15 years, we may transfer balances of dormant accounts to Reclaim Fund Limited (RFL)" HSBC also claim that Yes Midland Bank became part of the HSBC Group in 1992; therefore we can help you trace any dormant Midland Bank accounts and reunite you with your money. how do i get in touch with the right people working for HSBC, to get reunited with my Money as, so far, They claim they can not find any records as HSBC only holds records for 7 years. Let me know if you guys know of laws or other i can highlight to get better assistance from HSBC who do not reply to me after i highlighted HSBC holds dormant accounts for at least 15 years.. I was trying to get back over A £ 1 million pounds, But i do not know how to get HSBC to find the account that was frozen during the 1990's due to unauthorized access attempts
  2. I've been asked by a neighbour to see if I can find any contact details for a mortgate broker called Key Consultants, who I'm told provided advice and / or an intruduction prior to her obtaining a secured loan and PPI from a company called National Home Loans. She's been advised she may be able to claim PPI compensation, however the mortgage company has rejected her initial approach and stated that a 3rd party provided advice upon which her application was based. I've serched for 'Key Consultants' online and on the companies house website, and come up with a large number of possibles, but nothing conclusive. Can anyone point me in the right direction ? Many thanks in advance.
  3. Hi I had a credit card debt with Providian that was sold to Cabot a number of years ago. The last monthly payment I made on the account was in July 2012. In August 2012, I wrote a CCA request to Cabot using the CAG template from the library. They wrote back stating that they would attempt to get the information requested within 40 days. In October 2012, Cabot wrote that they had not obtained the info I needed under S77/78 CCA 1974 and as a result, the debt was unenforceable. In the meantime, they recommended that I continued to make repayments to the account. Obviously, no such repayments were made and I made no further contact with Cabot. Similarly, they have not been in contact with me in the intervening years until this month. Earlier this month, I received a letter from Cabot out of the blue, offering to write of the debt for around 12% of the apparent outstanding amount. The figure is a few hundred pounds. This “offer” to free me of the account as they called it, was valid for twenty days. The said payment would mean that they would no longer contact me about the account. I made no contact with them regarding the matter. This week, I’ve received what no doubt is the first telephone call from one of their call centre staff. Upon asking for me and revealing who they were, I said “All communication in writing only” and put the phone down. It seems to me I have two options here: 1. I could photocopy the October 2012 letter from them and write something like “still waiting for the documentation” on it and enclose a copy of their begging letter or 2. I could send them a Statute Barrred letter from the CAG library. Which of these would you advise or is there an alternative? I take it that as no payment has been made since July 2012, the entire debt is Statute Barred? Thank you very much for your continuing help
  4. Hi.. Sent a SAR request last week to Lowell for a Vanquis CC debt and Halifax loan . Got a letter back today to say they have received and sending all paperwork from when they purchased the debts but if I require anything before that i need to SAR the OC. Surely as the supposed owner of the debt they should contact the OC or have all original paperwork such as statements etc sent to them once purchased ..or do I indeed have to contact OC ? Wanted to check before I send a curt reply letter back to Lowell
  5. I stole from primark, stupid choice and will never happen again. The goods totalled to £53 and I was told that, because of this, the police had been notified but will not show up today. This leads me to believe I will hear from them - will this happen? Regarding RLP, everyone has said to ignore the letters which is exactly what I'll do. My only concern is the debt collectors - will they show up at my house? Or just letters? The security guard took my passport and photocopied it with my address and mobile number. The local mall security also showed up and took my details. I know I'm banned from this store and now on some sort of list that, if I'm seen, they have to keep an eye on me. Basically, will there be any outcome from the police for this matter? I'm 21, female. I have never done this before and I am extremely embarrassed by it. I don't want my family or other half finding out, so will the letters be it? Thanks
  6. Hi all, First off, fantastic community here. I have spent a fair amount of time researching and it really is incredible how companies can act. I have a slightly different situation which I couldn't find anything comparable from searching the forums. I signed up for a 12 month Fit4Less membership where the first payment was taken October-2016. I cancelled the direct debit sometime about August 2017 where the last payment was taken August 2017, this was due to me moving about 1.5 miles away and wanted a gym in walking distance. Therefore, I have only paid 11 of the 12 months. I know I should have waited and paid the last month but didn't check fully. Subsequently, I have received the Harlands letters like many on this forum. What are my options? Should I offer the final payment while stating I refuse to pay any admin or cancellation fees? Thanks,
  7. Now old Tawnyowl has moved into the import market,sometimes a little exporting after buying a few goods from China. I did not think I ever would but I cannot resist their prices. Watches and other articles on a small scale,just in case the Taxman is watching i did say small scale.You never know where they are these Tax Men from what i have read. Then i sell to my friends,online or on the car boot. Now of course i want sales and even compete the Chinese if possible out of business to win sales from wherever. But no matter how i try am convinced that i am on an unfair playing field.In one way. How can the Chinese businessman or lady ship goods half way across the world so cheaply when i try to sell items but sometimes the postage makes me frown when only going to the next town.Postage costs are holding me back. Now a year ago i did say to my postmaster who had done the job for decades.Hey Mr Postmaster how come your parcel delivery service over 1 or two kilo say is so damn expensive.Do you not want to compete,do you want to let competitors take your business away. He said it is the cost of Pensions,that is why they are so high.But surely you have to compete not let that part of the market be ripped away. I thought when people pay pension contributions the money goes into a pot and the wise ones invest so plenty is available when employees retire. Now of course he may just have been trying to calm me down,there was a big queue by then behind me. May have just been saying anything to get rid of me,but always found him truthful and a pleasant chap. Another thought out of my head.Think what you like about my one thought for today.And say what you think. I am sure there are many wise ones out there want to put me right. Carry on, i do not mind.My skin lately has got a little thicker,i can take it. Tawnyowl.
  8. Please bear with me first accident in well over 10 years. Coming out of a junction last night saw a moped with no lights at last moment, so stopped. The moped skidded and fell over. The rider stated if it hadn't been raining he would have stopped okay. He said he was okay, but we exchanged telephone numbers and parted ways, and he said he would call as it only looked superficial. I'm not sure if he wants to pursue a claim, do I report it to my insurance now, or wait until he contacts to see what he wants to do. Realised today that even though there was no contact and he fell due braking sharply in the rain, could be seen as a non contact accident.
  9. And Hello everyone, I have just registered on the Forum and this is my first post! I was hoping to pick your brains a little regarding a similar issue I have found myself in. I have travelled from St Pancras to St Albans on the Saturday just gone. My partner and I have stupidly used my bank card - thinking that St Albans was still covered by the London zone! It's a complete mistake on our part which I have admitted to the staff at St Albans station, and apologised. I have asked if it's an option for us to purchase a ticket now (hoping they would exercise the discretion) which they have not. In fact, the first officer said that I ought to pay the penalty of £25 which I thought was too much (given the standard penalty is £20). I have simply asked him to explain to me why it is more than £25 pounds. At the same time my partner was speaking to the second officer who said to him that he can pay the amount £11.80 now, and the rest he can appeal later. When I heard this, I asked "my" officer if I could pay the same to which he said no. I asked why that was the case but he just said that was up to him - essentially charging me more than my partner, and for the same offence. I though it was not fair, and refused to pay the £25. He automatically started filling in the MR 11 notice (the "witness statement"). I had no idea what that was, and asked if he could explain which he just said - this is a legal document. I asked if he could please confirm that he is indeed entitled to serve this to me - I asked for his employee reference number and to show me a badge with his picture on. He told me his employee number, and refused to show any documentation to support it and said that I would just have to believe him. At this point I said I would rather pay the £25 penalty fare (I did not understand the MR11 but it sounded scary), but "my" office said that it was too late. I suspect I will be receiving the notice to prosecute very soon. My question is whether I should wait for it to arrive, or should I contact the Prosecutions department now, before the notice arrives. I never not wanted to pay the penalty fare, I just wanted to be treated in the same way my partner was - i.e. pay £11.80 penalty fare rather than £25. I still want to pay for the journey I made/penalty fare, but I can't do that via Thameslink Customer Department (because Penalty Fares Department is independent to GTR). I would be grateful for your thoughts, Many thanks in Advance Majka13
  10. Hi, I'm in am unusual position, I think. Back in 2003 I had a cracking salary and mega limits on my credit cards (46k) I was made redundant after I became mentally unwell and so went back to uni. I *asked* the credit card companies to reduce my limits (not wanting to get rid of my cards altogether) but they refused. Point blank refused. Later that year I became ill again and was diagnosed with bipolar. I managed to spend £21,000 in 3 months, with very little to show for it (or take back!) The banks refused to help. I paid back just under 1/2. I now have a limited income and only really my benefits to live on. I stopped paying when CCCS went under. I was given a CCJ in absentia. On one of the debts. Another, who CCCS weren't actually paying off, are continually chasing me. They seem to have now passed it on to Restons solicitors. I know they *can* apply for a CCJ. But if I don't contact them, will the debt be statute barred after 6 years, which is 6/2018. What is the best thing to do? I'm usually an upstanding citizen. But - I can't afford to pay anything, I didn't run up the debt other than as part of my illness, and the banks refused to lower my limits! I think after 14 years I need a life I can live and keep well - depression being a major problem. I just live within my means. I had paid a huge amount off all the debts, before I joined CCCS. They've had their pound of flesh, so to speak. Can I now hold on for the remaining 14 months for statute barring, given a solicitor is involved??? Or has anyone else any helpful advice? I just long to be the responsible person I am without this cloud hanging over me. Thanks.
  11. Blemain changed its name about a year ago its now called Together Finance the address is Lake View, Lakeside, Cheadle, Cheshire SK8 3GW.
  12. Hi I am hoping somebody can provide advice on next steps please. For background my left my husband last year. At the time we had a Together mortgage with Northern Rock. He remortgaged the joint property and paid the existing mortgage -job done. He did not repay the loan but agreed that he would continue to pay instead of buying me out of the property - I agreed. Unfortunately he has fallen on hard times and agreed a repayment through a debt management company for reduced payments to NR. They are now taking us both to court for the full amount. I only found this forum a few days ago, the Court Order was dated 3rd March, I responded with an AoS yesterday and sent a CPR31 request to Eversheds as well. I know my defence should be back at the courts by the end of March - can I do anything in the meantime or do I just wait for a response from the CPR request. I cannot post any of the agreements or DN or Termination of the agreement because they were not sent to my new address (even though NR had it!) and my ex just kept sending them the the Debt Management company thinking they were resolving it. Any advice on what to do next would be great - what should I do if I don't get the CPR information back in time?
  13. Hi Looking for some advice. I have written to Lloyds Bank 4 Times now regarding claiming back our packaged bank account fees. Sent them recorded. I have had no replies at all. Wondered if anyone has an address for this process please. Do not seem to be getting anywhere with them as yet. Thank you.
  14. hi I recently finished a full time course at the end of january and started signing on to job seekers allowance while looking for work. At the first meeting at the job centre before anything else was discussed i was told that at the start of all new claims there is a mandatory 12 weeks of daily contact. After questioning this i was told that this is a national policy for all new claims. although im not attending every day i'm getting appointments to attend 2 or 3 times per week and must email my job search activity, jobs applied for, and forward all email responses from applications. i was told this was to help me find work but after almost 2 months all it has involved is keeping them updated on my work search activity with no help whatsoever towards finding work. after searching online i cant find anything about a mandatory 12 weeks of daily contact for all new claims so suspect that it is just some local thing. can anyone let me know if this is a national or local scheme? i expect that things like this are intended for people who who need help or encouragement towards looking for work rather than everybody, and as i was placed on this before anything else was discussed they have no reasons whatsoever to suspect that i might need this extra attention. Is there any national criteria to determine who gets placed on this daily contact which i could use to complain & be placed on the normal fortnightly signing?
  15. Does anyone happen to have a contact email for Aqua and marbles? Im aware its the same company but i cant find one? A colleague of mine had to take some time off work due to various personal issues. He's now back in work, but is behing with other more important bills and wants to arrange a reduction in payments, a payment break or even better stopping interest for a couple months. He refuses to deal with them by phone, as for the last 2 weeks, marbles has been attempting to contact him 8-9 times per day, going by his call log. Anyone able to shed some light on the elusive email?
  16. Good evening one and all. I have, over the past several weeks received several emails from these companies chasing a debt. As I have never heard of these companies, nor received any letters, etc. from the original creditor I have told them that I will not deal with them as I have never signed anything with them, no contract, nothing, indeed until the emails started arriving I had never even heard of them. The Zinc Group emails are pretty straight forward, however the CRS ones come with an envelope in the email to click, like opening an attachment. I do not open attachments from anyone I do not know. Can any of you give me chapter and verse on where I stand with these companies legally as I will not provide personal details to anyone I do not know. I appreciate that these two companies have been mentioned in the Health and Fitness forum but that doesn't really cover my issue. On another note, when a company rings me up and asks me to confirm details I tell them to tell me what they have, and if correct I will confirm. This usually results in "data protection" getting mentioned by the call centre operative, and an ending of the call. Where do I, indeed any of us, stand in such a situation? Do we have to provide details and what can happen if we refuse? Again chapter and verse if you have it please. Apologies for the long post. Best regards The Teacher.
  17. A bit of background, when I got my first job after being a student circa December 2008 I got my first CC - a Barclaycard Platinum. Within the space of 2 year they'd thrown a £9,500 limit at me and having something of a love for travel back then it got used up. At the time I was living at home with the parents and therefore regular payments of £600-700 were not a problem to keep the balance going down faster than it went up. Roll forward to 2013, I move out and start renting, the Barclaycard becomes my only source of 'offset' spending and the payments I'm able to make drop down to the minimum amount of around £200 which when combined with interest barely shifts the balance and it slowly rises and hovers around the £9000-9500 mark for about a year - some months it crept over the limit and I'd have to find the funds to get things back in check. In 2014 I admit defeat and go on a payment plan, they refuse to freeze the interest but do reduce it and my monthly repayment goes down by around £100. I keep to that plan and when it expired I renew for another year. When that second plan expired they refused to offer me a third agreeing only to an informal arrangement of £110pm but with frozen interest which I've kept to. The months on the informal plan appear on my credit file as months of sustained arrears. On November 28th I received a letter saying my debt - which has now reduced to £5700 has been transferred to Link Financial who I've yet to hear anything from. The letter from Barclaycard says I should go on paying them until I have details for Link and any funds will be passed along, my informal agreement will also be honoured for at least a further 6 months. Since the debt is no longer with BC, should I continue making payments to them or stop payments all together until Link get in touch? if the answer to that is yes, will not paying anything in the meantime put me at a disadvantage when it comes to them continuing to honour the informal arrangement? will I in a sense forfeit that arrangement. I've also read horror stories about Link and they're love for CCJs, how likely are they do this if payments to a debt are being maintained? the thought of a CCJ fills me with horror as I work for a company who deals with Pensions and as part of that I get credit checked every other year - I don't know what affect a CCJ would have on that check and I'd like to avoid having to find out! Am I stuck in a state of limbo until Link eventually pipe up? I've seen people speak of full and final offers, were I in a position to make such a proposal in a few months time - assuming they bother to get in touch - would a history of paying a decent chunk per month go massively against me compared to someone who has paid £1 for instance? would they see I'm good for more and try and rinse me for every last penny? Thanks in advance for any advice, it's stressing me out no end.
  18. Hi, Recently stubbled onto the site and wondered if anyone could help me. I currently work at a supermarket and have done since August 2016, I started on a 12 hour contract over three days (per week) but have never actually worked only 12 hours. I am consistently working above and beyond these hours ranging from about 24 to something 38 and occasionally entering overtime at above 39 hours per week. This is great, an I am not complaining but I am wondering there were grounds on which I can ask for my contact to be raised so I will be guaranteed more that 12 hours pay per week. Does anybody know if there law or legislation that I could use to back my case when i eventually ask for my contacted hours to be raised? I have read a discussion on here refereeing to holiday pay in a similar situation.. .as I have a weeks holiday booked will i be paid my 12 hours or the average of the last 12 weeks work hours? If I am entitled to the latter if I only get paid the basic 12 hours can i appeal this somehow? Thanks in advance, any information anybody has would be of great helps Thanks a lot Justsaying
  19. An interesting one that could end up with severe consequences if found out to be true.
  20. Hi All Would anybody be able to find me the contact details for the CEO of UK Mail? I am beyond anger with these people. Three times in a row I have scheduled a collection of some bits I sold on ebay, they don't turn up, don't apologise, don't give any reason and don't give a rats ... I pay through the roof for it to be next day, and they don't arrive. The people on ebay then have a fit at me, and it reflects in the feedback. If I had enough money I would sue them for damage to my account
  21. hi all, I have a ccj with Cabot for over £7000 which I have been paying regularly for atleast the past 10yrs. i have started receiving letters from them stating:- "We need your attention - potential legal action", "your credit file indicates that your situation may have changed", The ccj relates to a loan from Bank of Scotland, my situation has not changed, my only income is carers allowance (all other benefits go direct to disabled wife). i do have other debts and pay them off at the same rates per month £5 each, at least one of these debts is held by cabot. at the bottom of the letter there is a brief explanation of what legal action could mean but that refers to a ccj. any thoughts on this would be gratefully recieved sorry if this post is a bit rambling volac123
  22. There is a tree on the side of a path runs past my house that is overgrown to the point it is coming into contact with the side of my house, the roof and is also hitting the windows of my property. I have contacted the council about this previously in 2011 when it was dealt with by way of a crown reduction, however 4 years later and its bigger than so i again reported it last summer and was advised that it would be cut back in 6/8 weeks. However 16 months have passed since my local borough council made that promise and despite several calls and emails nothing has been done about it and today i received an email from my local county council telling me that they were going to do nothing more about it. Would appreciate any advice, if there is anything i've left out that i should have included please let me know and i'll update. Thanks
  23. Scottish Power Scottish power causeway Wilderspool causeway Warrington WA4 6QD This is not the head office of ScottishPower – but it is the address of a major customer service centre with at least 100 customer service operatives and over 50 other support staff. If you have made your energy contract in England/Wales and you live in England/Wales then you can sue ScottishPower in England/Wales if you have an address for service within the jurisdiction. This address in Warrington will be fine. Don't worry about having to sue out of the jurisdiction in Glasgow or any other thing like that. A few more people suing these inept and irresponsible energy companies like ScottishPower and npower will do the whole of the consumer environment a lot of good. So come on people – bring it on.
  24. Just out of curiosity. Since initial letter/email contact from a agency (this goes for anyone and no idea if in right bit of forum so please move if need be) What's the record time that you've seen off the agency? Think I broke my record today lol i.e. 4 hours
  25. I am mightily confused. I have been signing on for 12 months, at the start of my claim I signed a claimant commitment stating I will do X number of steps each week to find work, IE look in papers, ask family and friends, use UJM etc. I completed my job search online and always filled in my activity history on UJM, ensuring I recorded X number of steps as required in my claimant commitment. Part way through the year I was told not to use UJM instead I was given a paper template to fill that stated I must do 35 hours job search per week, this had a section to fill stating the time each task took. Some time later I was issued with a pie chart diagram which showed different activities I could include in my 35 hour job search. Now I have been given another paper template form which states I have to apply for and record 10 vacancies jobs per week. What the heck as happened to my claimant commitment, no where in that did I agree to a 35 hour week job search nor did it state when I signed it that it was a requirement. Secondly, I would never agree to applying for X amount of vacancies per week , what if the only suitable vacancies are ones I have already applied for. And now they have just reissued me a new claimant commitment to sign which is basically same as my old one except they have added “ engage with the work program” Can they enforce this 10 job application rule and what is in place to prevent me from just jotting down bogus applications. Obviously I am fulfilling my claimant commitment still but as there is no actual way to record that activity any more am I even obligated to carry it out. From what I can gather the 35 hour per week is only a suggestion and not enforceable as long as client shows they have took reasonable steps they cannot be sanctioned but I cannot find any info at all regarding the 10 vacancies per week.
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