Jump to content


BankFodder BankFodder

Search the Community

Showing results for tags 'four'.

More search options

  • Search By Tags

    Type tags separated by commas.
  • Search By Author

Content Type


  • The Consumer Forums: The Mall
    • Welcome to the Consumer Forums
    • FAQs
    • Forum Rules - Please read before posting
    • Consumer Forums website - Post Your Questions & Suggestions about this site
    • Campaign
    • Helpful Organisations
  • CAG Community centre
    • CAG Community Centre Subforums:-
  • Consumer TV/Radio Listings
    • Consumer TV and Radio Listings
  • CAG Library - Please register
    • CAG library Subforums
  • Banks, Loans & Credit
    • Bank and Finance Subforums:
    • Other Institutions
  • Retail and Non-retail Goods and Services
  • Work, Social and Community
  • Debt problems - including homes/ mortgages, PayDay Loans
  • Motoring
  • Legal Forums
  • Latest Consumer News


  • A Say in the Life of .....
  • Debt Diaries
  • Shopping & Money Saving Tips
  • chilleddrivingtuition

Find results in...

Find results that contain...

Date Created

  • Start


Last Updated

  • Start


Filter by number of...


  • Start



About Me


Found 18 results

  1. Four unknown soldiers killed during WW1 are laid to rest with full military honours READ MORE HERE: https://www.gov.uk/government/news/four-unknown-soldiers-killed-during-ww1-are-laid-to-rest-with-full-military-honours
  2. Four-time bankrupt hit with fourteen-year restriction READ MORE HERE: https://www.gov.uk/government/news/four-time-bankrupt-hit-with-fourteen-year-restriction
  3. http://news.sky.com/story/car-insurance-costs-rising-five-times-faster-than-train-fares-10740471
  4. http://www.mirror.co.uk/money/high-street-banks-charging-customers-8381277 Got to get back some of that money they have been fined over the past couple of years !!
  5. I am trying to get my finances in order and have been reading up on forums about those who have had successes dealing with DCAs, but unfortunately my accounts don’t seem to make sense. I have four default accounts on my credit file, showing a D sign every single month on my account, but I have three payments from DCA going out of my account two I know why I am paying but PRA I don’t know what its for, and the two bank account overdrafts I have defaults for I don’t know what is happening with them and what to do. Should i send out CCA letters to all creditors including barclays and natwest? On my credit file are these four defaulted accounts Lender Idem Capital Securities Current Balance £1,868 I am paying this via direct debit reduced monthly installment at the moment, this has been passed from Agilent to Moorgate and now to Idem and I it was so long ago now I cant even remember who the original company was who I took a loan out with. Lender NWB Current Accounts Current Balance £1,691 It says I am paying £5 per month but I cannot see any standing order or direct debit going out of my account for £5 per month, so I have no idea what is going on with this account. Both Barclays & Natwest overdrafts have been passed over to DCA I am sure of it, but I am unclear on who they are or what is going on with these accounts. What shall I do? Do I chase up with the actual banks to see what information they can pull up (send SARS) Lender Barclays Bank plc Current Balance £1,590 Similar to my Natwest account, I do not have anything on my bank account showing I am paying them, yet it shows I am paying £18 per month, once again I do not know how to handle this and whether I have a DCA I am paying, I haven’t received any letters for a while and I don’t have a clue what I should do. Lender MKDP LLP Account Type Credit Card Current Balance £264 Finally I have a PRA Group direct debit set up for £8.86 per month but yet again I don’t know what debt this is for now, as it seems to have been set up some time back, with moving and getting married last year I lost a lot of paper work and I cant remember what DCA is for what account and why now. DCA payments: Idem Robinsons Way this is on my credit file under MKDP (are they the same company?)But there is nothing on my credit file saying I am dealing with Robinsons Way PRA Group £8.86 No clue whatsoever why I am paying this and for what account.
  6. Link bought four of my barclaycards with average amount of debts over £10k each and I am paying £1 one of them and the rest of £55 each I had the cards for a long time over 12 years but nine month ago they have sold it to Link Link wrote to me at the time and said they are happy for me to carry on these payment And so I did pay on time since and they have not said anything so far. MY debts is about £50k and this was mostly due my business But the good thing about this is There is NO DEFAULTS on my file with any of my barclaycards I am wondering why this is or any suggestion what i should do I am happy to carry on with the payment for next few years but where would that ends
  7. [problem]s Awareness Month is running throughout May to warn about the fraudsters preying on hard-up households Fraudsters are “picking the pockets” of up to four million people each year, finds new research from Citizens Advice. The charity warns that as people across the country struggle to make ends meet they are being sized up by devious con artists. [problem]mers are targeting the elderly and desperate people with squeezed finances to swindle them out of their money. Fraud offences in England and Wales rose by 25% in 2013, compared to the previous year, with 207,252 cases reported to Action Fraud. But Citizens Advice has calculated up to four million people could be [problem]med each year as many [problem]s go unreported. Citizens Advice, Citizens Advice Scotland and the Trading Standards Institute today launch [problem]s Awareness Month and throughout May are urging people to “fight back against the fraudsters”. Top tips for dealing with [problem]s If it sounds too good to be true it probably is. Never give out your bank details or send money unless you are certain you can trust the person contacting you. Contacted out of the blue? Be suspicious. Your bank and the police will never collect your bank card, ask for your PIN or come to your home. Make sure the website’s secure, if you are buying online – check for the padlock or “https” next to the web address You shouldn’t have to pay anything to get a prize and you haven’t bought a ticket you can’t win it and . Pressure to make a decision straight away? Take your time and just say: “No thank you”. Walk away from job ads that ask for money in advance. Computer firms do not make unsolicited phone calls to help you fix your computer. Don’t suffer in silence – tell others about [problem]s. What to do if you have been [problem]med Report it to Action Fraud on 0300 123 2040 to help stop it happening to others. Often you can't get your money back if you've been [problem]med, especially if you've handed over cash. If you've paid for goods or services by credit card you have more protection and if you used a debit card you may be able to ask your bank for a chargeback. Get advice and report [problem]s to Trading Standards through the Citizens Advice consumer service on 08454 04 05 06 (for advice in Welsh phone 08454 04 05 05) or online advice at www.adviceguide.org.uk http://www.citizensadvice.org.uk/index/pressoffice/press_index/press_20140501.htm
  8. Similar to the other thread recently started I also received the sorry we have been reporting to CRA wrong and heres the default notice. Default date is end Jan-2010. Background for me is got into trouble due to lack of work in 2009 after some back and forth with BC (a lot via their internal DCA's) trying to reduce payment to £1 a week they agreed to stop charging interest and eventually a 1% a month payment was agreed and direct debit setup, this was Jan 2010 they never took any payments and have had no contact from them since so the default date is probably in line with last contact/payment. I also previously had the default notice letter for each account from Mercers in the past which I suspect from reading here and other sites that was never a 'real' one, that dated a few months earlier in 2009. The accounts date from the early 90's and I did CCA then in the past but they sent the reconstituted agreement they seem to send as standard so am pretty confident they don't have a signed agreement. Balances are @2k and @14k What is my best plan here have 28 days to contact them if want before the default (my credit record is full of defaults from this time so not worried about it on my file) but my feeling is to wait for the default date to pass and see what their next response is? Suspect will get passed to Mercers and at that point can start again down the CCA or SAR route? Does this seem sensible or should I contact them now and try and get a f&f offer from them. They are also my mortgage provider in case that complicates matters. Was just getting back on my feet financially and out this comes from the woodwork got that stressed feeling all over again.
  9. From This is Money :- http://www.consumeractiongroup.co.uk/redirect.php?x=http://www.thisismoney.co.uk/money/news/article-2554472/Four-million-savers-short-changed-Aviva-compensation-Insurers-323million-bill-merger-blunder.html
  10. From This is Money :- http://www.consumeractiongroup.co.uk/redirect.php?x=http://www.thisismoney.co.uk/money/news/article-2554472/Four-million-savers-short-changed-Aviva-compensation-Insurers-323million-bill-merger-blunder.html
  11. Hi guys, keep getting robots calling the missus asking for her by her previous surname ( stat barred, thanks for telling me) on 01789473888. Its one of those horrible automaton voices that are damned hard to understand. Anyway, its a female robot called Jayne. and it sounds like its calling on behalf of QL Four? Does such a company exist ( or something like it), who are they, and do they have any links to Equidebt? Theyve left a reference number, which is damned good of them, because usually these firms expect you to give every detail of your previous existence so they can flog it on and make a buck whilst hassling you with it at the same time. Cheers guys.
  12. Hi, Today my partner received a letter from Mortgage Agency Services Number Four Limited saying that they believe he now lives at our address and can he fill in the form to confirm this. He had a home repossessed from him about 2 years ago and has heard nothing since, so I'm assuming this is what it is for. Can anyone advise us the best thing to do? Shall we fill the form in, ignore it, call them?? Has anyone ever had dealings with thes people before? I'm worried sick over this as we've just found out we're pregnant and are going to struggle as it is! Any help would be really appreciated.
  13. Britain's growing debt problems are causing mental health problems, relationship breakdown and family discord, Citizens Advice has said. The majority of those in debt claimed that their money worries were harming their health, according to the charity. In a survey of people experiencing debt problems, three out of four said they had an impact on their mental health, while half said it was causing their work to suffer. A majority of those surveyed said money worries caused problems with a partner, while one in three said they had a detrimental impact on their relationship with their children. The findings from Citizens Advice come as a nationwide poll by YouGov suggests that one in three families will go into debt over the Christmas period. The survey suggests that as many as one in 10 lose track of their spending over the festive period and will rely on credit cards or overdrafts to fund spending. It is estimated that outstanding personal debt in the UK now stands at £1.4 trillion, including outstanding mortgages. Link: http://www.telegraph.co.uk/finance/personalfinance/borrowing/9755389/Debt-is-affecting-our-mental-health-say-three-in-four.html
  14. Some four million adults in the UK intend to take out a payday loan to cover the cost of Christmas this year, according to new research. A survey of 960 people by R3, the trade body for insolvency professionals, revealed that 8% of adults are considering turning to a payday loan due to the pressures of spending over the Christmas period. More: http://www.credittoday.co.uk/article/14645/online-news/cost-of-christmas-will-push-four-million-to-payday-loans
  15. hi CAG team, I have four entries in my credit report for two credit card accounts. Two of them show the original company that the credit cards were with and they show the accounts in default, the last time these were updated was roughly two years ago. However the same accounts are shown again with a different company which shows them as settled and these were updated recently. I have not settled these accounts myself. Both these cards were only in my name. Can somebody explain this, any ideas? regards
  16. Slow and steady wins the race..i have no more dealings with CFO and the Money shop..Take heart people it can be done x
  17. The Royal Bank of Scotland has sacked four traders over their alleged involvement in the Libor-fixing scandal, it has emerged. BBC business editor Robert Peston says the dismissals happened at the end of last year. RBS is one of a number of banks being investigated for possible rigging of the key bank lending rate. The news comes days after Barclays became the first bank to be fined for false reporting of it. Barclays was fined £290m ($450m) after the Financial Services Authority (FSA) found its traders had lied about the interest rate other banks were charging it for loans. Giving a lower reading than the true rate would give the impression other banks thought it was a better risk to lend to than it was. Libor (London Inter Bank Offered Rate) is the rate at which banks in London lend money to each other. More: http://www.bbc.co.uk/news/business-18665508
  18. FSA/PN/071/2012 29 Jun 2012 The FSA has today announced that it has found serious failings in the sale of interest rate hedging products to some small and medium sized businesses (SMEs). We believe that this has resulted in a severe impact on a large number of these businesses. In order to provide as swift a solution to this problem as possible we have today confirmed that we have reached agreement with Barclays, HSBC, Lloyds and RBS to provide appropriate redress where mis-selling has occurred. The banks will move to provide redress directly for those customers that bought the most complex products. They have also agreed to stop marketing interest rate structured collars to retail customers. Interest rate hedging products can protect bank customers against the risk of interest rate movements and can be an appropriate product when properly sold in the right circumstances. During the period 2001 to date, banks sold around 28,000 interest rate protection products to customers. These products range in complexity from comparatively simple “caps” that fixed an upper limit to the interest rate on a loan, through to the more complex derivatives such as “structured collars” which fixed interest rates within a band but introduced a degree of interest rate speculation. Over the past two months the FSA has conducted a review of these sales. We have reviewed a significant amount of documentation from the firms (including sales files, customer complaints and taped conversations). We have also talked to over 100 customers who have come forward. We have found a range of poor sales practices including: Poor disclosure of exit costs; Failure to ascertain the customers’ understanding of risk; Non advised sales straying into advice; “Over-hedging” (i.e. where the amounts and/or duration did not match the underlying loans); and Rewards and incentives being a driver of these practices. Not all businesses will be owed redress, but for those that are, the exact redress will vary from customer to customer, but could include a mixture of cancelling or replacing existing products, together with partial or full refunds of the costs of those products. This exercise will be scrutinised by an independent reviewer at each bank appointed under the FSA’s powers. Martin Wheatley, managing director of the Conduct Business Unit, said: “For many small businesses this has been a difficult and distressing experience with many people’s livelihoods affected. Our work has focused on ensuring a swift outcome for these businesses that form such an important part of the economy. “I am pleased that Barclays, HSBC, Lloyds and RBS have agreed to do the right thing by their customers and offer redress or a review of past sales. These firms have responded to the need to provide a fair deal for customers by working with us, and I welcome this outcome. “I am particularly pleased that the CEOs: Bob Diamond, Brian Robertson, Antonio Horta Osorio and Chris Sullivan have provided a personal assurance that they will have responsibility for oversight of this work and will ensure that complainants are treated fairly. They have also committed that, except in exceptional circumstances, they will not foreclose on or vary existing lending facilities without the customer’s prior consent.” Link: http://www.fsa.gov.uk/library/communication/pr/2012/071.shtml
  • Create New...