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About Me


  1. Hi All From recent activity and instilled confidence boost - going through all my SAR's and have literally hundreds ££ of charges to be reclaimed. SO - Initially Thinking of reclaiming unfair charges for a Lloyds CURRENT a/c running through Sep 2001 till 2007. The current account is now closed and has been sold to DCA. Just wanted to confirm ( as not many recent threads on this subject ) is the best route to take ( as over six years old claim ) is : - 1 ) Court Action ( MCOL Claim ) ? including Pre-Action protocol. Just read from from an old post c.2013
  2. 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
  3. Hi everyone I have an Energy Company giving data shares to a Credit Agency but the shares are not showing the outstanding amount or reduction in what's been paid every month. I was under the impression that to avoid breaching GDPR certain parts of the data share should include this to show a true reflection of the account and so other potential lenders could see where the account was up to etc. Some months inbetween others they wouldn't give any information! When I queried this with the Energy Company they then started showing the shares as an 'i' which I believe stands for Arranged
  4. 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 inv
  5. Can anyone tell me if this is the current address for GE Money? GE Money Home Lending PO Box 912 Newport NP20 9PB The loan i am enquiring about was originally through Loans.co.uk but they seem to not be operating anymore.
  6. Hi Peeps Slowly making my way through Payplan DMP..aiming to obliterate them all at last. Lloyds Current Account O/D £900.00dr sorry been paying them £1 month recently payplan. 10 year old debt - fallen of CRF. obviously being fleeced as debt not really gone down. What letter do I send to Akinika ? unsure of this one as current account. Thanks Peeps
  7. Good afternoon Caggers I purchased a 2nd property by re-mortgaging my current home. The Spanish property market collapsed and my house was not built. I am claiming my deposit back, however my current mortgage company does not have any history of my borrowing extra funds during 2006, nor do they have any history of the mortgage. Where do I stand on this? They have openly admitted they have no paperwork. maybe I can hold them to account for that and say that I paid it off???? Your help is greatly appreciated!
  8. Sent my appeal off with some brief details of why i was appealing , Had a Letter from DWP confirming that they received my appeal, and about how much ESA i will get until it's heard, But so far over 1mth since requesting the full written statement of the Atos wca Form IB /ESA85, But so far i have not been sent it, The person that i recently spoke with from DWP ,Confirmed that they could see that i had previously requested it, but could not understand why i had not yet received it, What can be done to force them to supply this info,(assuming it actually exists) ?
  9. Hi, I have read through a number of posts but only managed to confuse myself more, so thought i'd better just post. I have an old HSBC Current Account that I think was sold on in around 2000/2001 (memory a little hazy) to a DCA (but I cannot remember which one) and I paid them £1 a month. Around 2013 Cabot bought the debt and I continued to pay £1 a month. This was a joint account which they refused to acknowledge, said it was only in my name and they had no record of my partner on the debt - great! So fast forward to today. I stopped paying them in July thi
  10. http://www.welfareweekly.com/revealed-universal-credit-capability-for-work-questionnaire/ you want the first web link under the photo - has a download option Or you could use this? But I'd feel mean for not passing the DNS some traffic! https://www.scribd.com/document/368430893/Universal-credit-work-capability-questionnaire#from_embed
  11. hI, What I need is the current registered address for eBay (UK) Limited, I tried taking them thru MoneyClaimOnline a couple of years back but they never responded to the court papers served upon them, I'm presuming that I provided the wrong address, now I have two cases to serve upon them so if someone can confirm their current registered address. So far, from Google, I have four different addresses: eBay (UK) Ltd, Carmelite, 50 Victoria Embankment, Blackfriars, London EC4Y 0DX Whittaker House, 2 Whittaker Avenue, Richmond, Surrey TW9 1EH Ebay (UK
  12. Hello everyone, I have applied for current accounts with Natwest and RBS which have both been denied (even though I was originally accepted) I want to know why they have refused me as my credit file is in good condition, no defaults etc so do I need to send an SAR? if so, is there a specific template? Any help or advice would be appreciated.
  13. What with advice changing from that given a year or so ago, I thought I would just ask a couple of questions regarding a recent private parking charge. a charge was sent to the registered keeper of a car parked on council owned land that had a private parking firm (Premier Park Ltd) enforcing access to a site by way of APNR system. The driver has to access said site to gain entry to the work place, and had been using the site for several months whilst the ANPR was active, without any charges at all. Driver was led to believe the car was registered on the system by his employ
  14. I am in the process of getting all my ducks in order. I have an old hsbc current account opened in 2001. I had an agreed overdraft of £1250. In June 2010 I stopped earning and no money has gone into the account for 6 years. I cancelled all debits, but charges meant that I owe crica £1500. There is a default dated August 2011 and has now been sold on. I am confused about overdrafts as I have read a lot of conflicting data. Is is statute barred now or will I have to wait until next August? I am sure that there are a lot of fees and charges on the account,
  15. I opened an account in 2007 with Lloyds bank whilst I was 16 years old and living in the south of the country with my girlfriend at the time. I then moved back to the north of the country but did not change my home address and all my mail was withheld from me for about a year. I had gone overdrawn on my account by £5.40 and did not know of this because my mail was being withheld and had no cause for concern. (I should have changed my address). September 2008 I received a letter from Lloyds TSB demanding I pay £479.03 of the £679.03 balance in full in a couple of weeks. Due t
  16. Hi My ex partner and I had a joint loan for £3000, when we split up she decided to reduce our payments which were below the required amount. The Clydesdale Bank agreed this. I have always paid my share, I have just recently found out she stopped paying, then restarted but paying less than we had agreed. I have just had a letter from a company called Cabot saying they are now responsible for the debt. They are being all nice saying they are happy for me to continue paying the agreed amount and I should set up a direct debit to them. read a l
  17. Hi, I've received a PCN today from Euro Car Parks as my car was parked at their York store for 3 hours 31 minutes a few days ago, time limit is 3 hours. Yes, the car was there for that length of time, though I will not be stating here or anywhere else who was driving the car at the time (there are several people it could potentially be). The driver of the car did do shopping there during the visit, but did also do a few other things in and around the site of the car park during that time. I'm not sure yet if receipts are available to back this up, although 2
  18. I wonder if anyone can help me. I have a t mobile current balance showing on my credit file from 1999. The amount is for £155 It is not showing as a default, only as a current balance. How can I get this removed as experian said that T Mobile must do it? Any advise would be greatly appreciated as this is giving me a poor credit score. I have not been in contact with them since 1999 and have made no payments at all.
  19. Hi I only just noticed that £13.99 had been taken from my Santander123 cureent account by Ancestry.com via DD !!!!!! I checked the DD and it states it started on 29/07/16 and i most DEFINITELY did not start/confirm this Direct Debit. Thus far they have taken £13.99 on 29/07/16 and today 02/09/16 !!!!!! How do i go about cancelling this, i can not recall using this service !!!!! I have an excellent credit rating and am more worried about it effecting that. Also i have no details of an account with them, so would not know how to even 'log in' to cancel it on their s
  20. Hi I have 2 debts with Lloyds both managed by Apex but now owned by Cabot The debts are for £4K and £10K they are 8 years old and are for closed current accounts. I pay £1 pm I was originally in £60K of debt with various lenders but have brought it down over the years with Partial settlements, My 2 Questions are Q1; I do not remember a £10K current account debt and have asked for a copy of the original contract on both accounts, they have replied by saying they will send me a statement but do NOT need to send a copy of my signature as its a current account and not a loan
  21. Afternoon all. First time poster here looking for advice. I am leaving my current employer to take up a post with another company. I am currently undertaking a distance learning course (half of which has been deferred to 2017 due to personal circumstances), which has not yet finished, so under a signed training agreement I am liable for the full balance of the outstanding costs. I held a meeting with my current employer to attempt to set up a repayment plan, as the balance outstanding is over £3,000 and I am not in a position to pay this immediately, but I have informed that my
  22. Hi I have been directed to this group by a friend and I hope you can help me because I am worried. I have had a current account with Lloyds for around 25 years and until recently managed the account well with no problems. I recently came into financial difficulties and couldn't manage my overdraft repayments. My overdraft was £3000 and I couldn't even pay the £50 interest and overdraft fee. I contacted Lloyds by phone back in June 2015. I was informed that the account would be frozen and I would receive a letter in due course. I received the letter 26th J
  23. This is a strange one, hope someone can help. I took advantage of an offer to switch current accounts for circa £100 in May 2009. I filled in the forms, my salary and debits moved across. The problem was that Santander did not agree to match my existing overdraft (£500) and didnt communicate that the overdraft had not been granted but moved my finances over anyway. So I quickly moved back to my previous account and requested that Santander close the new current account. I recall speaking to a manager on the phone, who agreed to close the account with no charges and in exch
  24. Dear members, I'm a student in London. Yesterday I found that both of my account balance became zero and the money has been transferred TO RECONCILE Debit COVENTRY OPS 05 ADV. I went to a nearest branch to ask what happened to my account. They said they couldn't touch the money now and I have to write an email to reportasam (a barclays email, I can't post it here) to clarify the source of my money. After searching on the Internet I realized what happened. At the beginning of this year, my ex-boy friend has purchased a property in London. But in my home coun
  25. Lloyds customers are losing their free, interest-paying current accounts and told to sign up for one at £60 a year. Loyal Vantage current account holders will no longer receive interest of up to 1.49 per cent from May 3. If they want to earn interest they must opt for the Club Lloyds account, which pays up to 3.93 per cent on balances of up to £5,000. It also offers access to a savings account paying the same and a 0.2 percentage point reduction on Lloyds mortgages, plus perks such as free cinema tickets. But customers will be hit with a £5 monthly bill unless they pay
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