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Found 22 results

  1. Hopefully this hasn't been covered elsewhere - I've spent lots of time trawling the Erudio forums. I have student loans from 1998 & 1999 which have been transferred to Erudio. I have an earlier loan with Thesis and so they handle my deferment application for all three loans. I came off a period of deferment in March 2016 but Erudio did not start collecting payments via direct debit until September 2016 meaning there were a total of 6 monthly payments that were not collected. I wasn't on top of my admin last year and so didn't pick up that only Thesis were coll
  2. The Direct Debit Guarantee says: "If an error is made in the payment of your Direct Debit, by the organisation or your bank or building society, you are entitled to a full and immediate refund of the amount paid from your bank or building society If you receive a refund you are not entitled to, you must pay it back when the organisation asks you to" Twice now I've succeeded in getting a refund within hours. Both times with the Coop Bank, but all banks seem to have similar or worse procedures. The Coop says "before making [a refund]... we need to establish whether the claim fal
  3. At the end of my previous mobile phone contract I decided to change provider and move to Vodafone. It was one of the worst customer experiences of my life. Coincidentally, at that time, I became unemployed and having registered my old number with many recruitment agencies and former colleagues/employers I desperately needed my original number to be available for them to contact me on if/when any suitable roles came up. I was told by Vodafone that the transfer of my number would be straight forward and there would be no problems. It would all be sorted within 24 hours. Unfortunately I tr
  4. Hi all, I have been a member of my local DW Sports gym for around 2 years. I cancelled my DD with my last payment being 3rd Nov without letting the gym know. I did not attend my gym after September due to a knee problem that i was/am struggling with. Yesterday I received my first correspondence from the gym through "Major Law" in which it claims that they have prepared a county court claim and is ready to be issued against me. They also claim to have contacted me "previous correspondence sent to me by ARC" which i have not had one single letter. I find it pretty disgusting th
  5. Hi everyone, this is my first post on a forum so please be gentle if I make any mistakes regarding forum etiquette. I am at a loss as to where to turn to next so I am hoping that you guys will be able to help me (thanks to everyone in advance by the way). I have been a member of DW gym in Oldham for a while and out of the blue I received a letter saying I have cancelled my Direct Debit (DD) which I haven’t. I popped into the gym and they confirmed that they have tried to take money from my account on ‘several occasions’ but they have been rejected. Panick
  6. We run a Combi Boiler and the Electric is Via a Key Card Meter with Scottish Power on the fixed plan for Gas and Southern Electric for Electric. Our bill is fixed until 2015 for Gas & the Electric Tariff is about to Increase from Southern Electric . Here is the crunch. We received an update from Scottish Power telling us that the Gas & Electric combined with them could be fixed until 2015 if they remove our Key Meter and transfer the Electric to them along with our current plan on Gas! Would we be better off with the fixed plan and Unit Tariff frozen until 2015 or keep our existi
  7. Hi There, I hope you are all well! As the title suggests, I'm just fishing for information about exactly what happens when one sets up a direct debit ... is it only if i miss a payment that the address would be passed to the credit agency? Thanks in advance, James.
  8. Hello all I am in the middle of an argument with MBNA and would appreciate some advice. 1. I set up a direct debit on their advice many moons ago so that the minimum payment would be made on my credit card account as a backup if I forgot to pay manually or was working away and unable to get on the internet. 2. The direct debit is meant to collect the minimum amount due 3. This month, as in the past, I paid more than the minimum 10 days before the direct debit was due. The amount owing on the account clearly said zero. 4. Nevertheless they took the direct debit an
  9. Hello I'm looking into cancelling my membership for three reasons: - I can no longer fork out £60. - There is ALWAYS something faulty, out of order, or just poorly maintained - They have moved the work out areas around and it now looks like it's aimed at young men who enjoy using the weight room! I'd never joined a gym before, with the Chafford Hundred Bannatyne being the first time. I really wish I hadn't as it's one thing after the other causing the regret! First of all, I was made redundant a month after I joined, and my new salary is less than I was previously paid
  10. Hi, I've been having an ongoing problem with vodafone concerning the repair of my blackberry which has created larger problems which i'll explain. This has now led to me wanting to cancel my direct debit for the contract and start a new phone contract with another company. My blackberry had software problems which meant that it wouldn't turn on and would simply keep restarting itself. It was taken to the vodafone store and they sent it to be repaired on the manufacturer's WARRANTY , which is supposed to cover such internal phone issues. In-shop a receipt was given to m
  11. If this post serves no other purpose, it may at least include some useful links It seems Local Authorities, for their own advantage, are selectively implementing the law under the 1992 Council Tax regulations. Council's recovery policies reveal how they're circumventing regulations and using the threat of a Liability Order as bargaining power to negotiate take-up of Direct Debit. After recovery action has commenced, it seems council tax payers who agree terms laid down by their respective councils are having recovery action reversed. Concessions differ from one authority to another b
  12. Hi Forum, I am new here, so I hope someone can help. Back in June 2011, my mobile phone contract with t-mobile was coming to end, and I was keen on getting the best deal for Samsung Galaxy S2. The best deal was with "Three", so I decided to order the phone and contract for 24 months online, and all went well. In the meantime, I contacted t-mobile and asked to terminate my contract. And as you may know, they throw a big offer that was better than the "Three" offer. Having been happy with t-mobile, I decided to cancel my order with Three. I received the phone from Th
  13. Hi all, Ive had a contract pay monthly mobile with Tesco for a year now and have always paid by DD but a of recently with problems including debt and having to get my tax credits etc paid by giro now I wish to pay by payment slip..theyve just told me I cant??!! Obviously Im thinking theyre reckoning me for a muppet so I wanted to ask those in the know what the crack is with this?? Surely I can pay how I like as long as I pay?? Basically I will have a new bank account at some point but Im trying to get out of the fee-charging cycle for missing DDs and such so really want to be clear of any
  14. I had a policy to cover the CH, plumbing, electrics, drainage etc with Corgi HomePlan Plus. I gave them notice on 23 Oct 2012 that I was moving home on 5 Nov 2012. But they said they could not take advance notice to close the policy I must call back on 1 Nov. Unfortunatley I could not call back on that date, and then with the stress of the move (I was moving abroad)...I forgot. They have now taken another DD from my acount for December and refuse to return it. They acknowledge my call of 23 Oct - it is on their database. But they say "it is not their policy to take advance notic
  15. Hi. I received a payday loan from Cash Converters a couple of months ago. I set it up so that I would come into the store and repay the loan and interest when my DLA was paid into my bank account... They said that they would need my card details to check that the bank account and card were indeed mine, by taking a couple of pounds out and then replacing it. They also said that they could also take the repayment as a debit card transaction, if I fail to pay, or I instruct them to. I won't give all the ins and outs of what happened, as I don't want to bore everyone to death, but to c
  16. hello. bit of a story so please bear with me. some time ago, (an embarassingly long time), i had a mobile phone upgrade carried out over the phone directly with t-mobile. i'm self employed so i wanted a phone to keep as backup and i accepted a basic model sony ericsson to keep in case of problems with my other phone. i never intended to use it so i refused the insurance and all extras and within a month or so changed address. fast forward to feb 2012 and a chance conversation about a debit card revealed a direct debit, that i knew nothing about, for £6.99 a month wh
  17. Hi! I had a quick look, and there seems to be no posts about my precise problem with these and even CK Edrupt. I took out a Provident loan of roughly £1000 a year or two ago and was paying it off as agreed. In spring last year i went to China for 3 months, so i set-up a direct debit with a 'friend's' account so he could pay the agent on my behalf (a bit silly i know). Basically the whole thing fell-through, the money had problems sending and when i came back i was 3 months behind my payments. That's when CK Edrupt got in on the action, saying i had to pay them instead, and the rest of the
  18. Hi, Hoping someone can advise me on this. I have a car insurance policy funded by Premium Credit Ltd. and every month they take £19.36 towards it. However, on a couple of occasions I have not had the funds in my bank at the time of the DD being called for, although paid in the same day. So the bank refused the DD, I get that part but what this company are doing is then calling again for the DD, again I understand, but they are also taking a £20 penalty charge (stated in the areement) directly from my account without notifying me when, although they say they have sent letters - never recei
  19. My girlfriend & I are currently in a battle with Ashbourne (AMS). It’s clearly not a good sign there are so many others with the same problem, but its comforting to know were not alone. Address: PO BOX 10920, Shirley, Solihull, B90 8YB (to make sure we’re talking about the same company). My girlfriend joined Body Lab in Bletchley about a year ago. At the time of joining she was told the contract could be terminated via one months notice or transfer the membership to another person. My girlfriend has since stopped using the gym due to work commitments, she contacted the gym to
  20. Hi all I have pretty bad credit, 8 defaults (yes I was very stupid in the past) and luckily they will all of fallen off by March next year so happy days! I now have a Halifax account and so far they have been brilliant with me and ive had no issues. My problem is with my old HSBC basic account that I had as a emergency account for my wages before the Halifax was opened. I misses one direct debit to my car insurance which was a couple of pounds short (stupid I know) and then checked my credit file a month later. It says im 1 payment late with a balance of zero?? My first iss
  21. Hi there, long time reader and big fan, Not sure if this is the right place for this but anyway.... As many have, I fell into the payday loan spiral, and in February decided to do something about it. After reading all the great advice on here I've sorted myself out with a debt management plan and I'm paying of my creditors a little at a time. The only company I haven't managed to get to agree anything is Early Payday loans. I cancelled my cards, shut down my account at my bank and opened a new one, as per advice from the CAB, yet this morning I've logged on to find a DD for £365 pend
  22. i set up a direct debit twice and both times it's failed. on my Virgin bill it just says...D.D Denied-No Account i have def' given the correct bank and virgin details, but Virgin don't seem able to take out the money. *september - set up direct debit *5th october - D.D Denied-No Account *on holiday so didn't find out until got paper bill [i usually get E-bills] sometime after the 18th of october [when i got the REMINDER bill] *22nd october - paid balance by PayPoint. *6th november - sent DD form to set up direct debit AGAIN *7th december - D.D Denied-No Account -> i fo
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