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  1. I am looking for advice on gaining the removal of a default notice recently applied by HSBC. I'm new to this site and therefore have not previously followed any advice provided by this site. I'm requesting the default be removed from my credit reports as I believe I have been unfairly treated and this default has not been applied correctly. I believe HSBC has treated me unfairly as they refused to offer and agree a payment plan that their Final Demand letter offered, their communications, and application of process have contained many inaccuracies that have meant resolving
  2. Hi, I ended up with an overdraft as a company I was working for managed to trick me into giving them my card details, allowing them to take £3500 out of my account when there was no money in the account, ending up in an unauthorised overdraft... This was 3 months ago. I was lead to believe that id be paying back £225 pound a month (roughly), on the 29th of each month. Now that I checked, they are charging me interest and some other card charges, totalling in 3 extra charges on the 3rd of every month, adding to £75 on top of the overdraft, I only have a debit card? One charge is £
  3. After the recent changes to unauthorised overdraft fees/charges, i believe every effort should be made to force the banks into repaying the money they have squeezed out of their customers, especially Lloyds. The fees/charges were disgraceful, £10 a day for a maximum of 8 days and then the interest on top, also a charge for being overdrawn was applied, basically there were months i received almost £90 in charges for being merely £20 overdrawn, it's downright disgusting that these banks have been allowed to get away with this for so long. I tried on a few occasions to arrange an over
  4. Posting on behalf of my partner who has experienced an issue with unauthorised transactions on her HSBC current account. Between the 10th November and the 13th several transactions were made at a local coop supermarket to buy goods and get cashback as well as one ATM withdrawal of £130. Upon discovering the transactions had been made my partner immediately contacted HSBC and reported the card as stolen and went through their fraud process aswell as reporting the theft to both Action Fraud and our local police. Now, I was under the impression that the FCA guidelines stated that
  5. My wife is employed in the public sector at a school. She has a term-time contract (fixed hours per week, employed over 2 years). Recently she collapsed at work as she was being bullied by her line manager. She was advised by her doctor to take the rest of the week off work, which she did (self-certified). These events were reported in writing to the employer, and my wife returned to work. Related to the stress illness, her mother, who lives in a developing country (where my wife comes from), has become quite severely ill, and has lost lots of weight, and may die sometime in the
  6. hi folks, need some advice on this one, recently i have returned from spain, while out there i don't know if i lost my wallet or if someone pickpocket it, was a strange moment when someone bumped into and my friend asking what was all that about. i have hired a car from the same company for the last 8 years 2 to 3 times a year, always taking out the full insurance, and have never had a problem before dealing with them. while car was parked someone hit it causing cosmetic damage to the bumper, left his details, but he was still there when i arrived.
  7. My Aunt died aged 94 in hospital from Alzheimers which she had for over 10 years during which time she never left her home . I and my father,(her brother) cared for her. I was executor and it was apparent that over the past few years there had been withdrawals of large sums of money from her bank : £13,000 £5000 £6000 etc a total of £75,000 in 6 years. Her outgoings were very small, under £300 per month. I bought clothes, food etc. There was no POA. The bank refused to state who had withdrawn these amounts but when my father died aged 92 two years ago i
  8. I am having problems with Virgin Media taking an unauthorised payment from my bank and making me go overdrawn. When I phoned Virgin Media last week, they did not inform me of an outstanding balance for £18.34. Today, I got a letter from my bank informing me that because Virgin Media had attempted to withdraw £18.34 I would be incurring a £10 charge. I did not authorised this payment to be made and I knew nothing about this because I received no notification from Virgin Media. I have sent an email to Virgin's Chief Executive Tom Mockridge complaining of the matte
  9. Hi, can anyone offer me some advice. I've recently discovered a default on my Credit file from 2014, i don't know why I've not seen this before, either blinkers on or I've just not checked thoroughly. Its for £154 from Lloyds, i moved bank accounts a few years ago and in doing so once the overdraft facility had been removed etc there was a negative balance on my account for £154, it was there for a few months and then paid once i had realised, so is settled but the default has been registered. I don't recall receiving a default notice for this at the ti
  10. Hi, I'm hoping that someone can help me here. I have just been sorting through my Direct Debits and have realised that I have been paying a DD monthly to Dom and Gen for 4 years and I actually have no idea what for. I realise that I must have agreed to some kind of warranty cover with them initially, but I also know that I have no warranties on any of my appliances that are currently active so I have no need for this cover. I am utterly confused and crestfallen because I am absolutely meticulous about keeping records of all correspondence on these things, and ha
  11. Hi all, In need of some of your excellent advice please. Almost 2 years ago I purchased a cheap laptop from a Currys store through my business, at the time the salesperson asked if I wanted any sort of extended warranty - I always say no, they are a complete con of course. Fast forward to now, I have just noticed that he did in fact sign me up for this at £9.58 a month, without my permission. I rang the Currys 'Knowhow' helpline and requested a refund; the lady said she could only refund 6 months' worth of payments, which I declined as I want a full refund, for obvious reasons.
  12. Hi All, Looking for some advice please (I have a number of debts I am looking to gain control of), I will start one at a time and create a separate thread for each. I had an HSBC Advance current account from 2009 - 2014, during this time on several occasions, HSBC allowed me to go into an unauthorised overdraft and charged significantly (many times charging £100 - £150 for this "priveledge") - admittedly my poor account management was to blame for the situation, but ultimately meant every month my account would go overdrawn by up to £150, most times made up solely from the charges
  13. Hi Everyone. I am a relatively new customer with Halifax and noticed some transactions on my account that i didn't recognize from WHO internet (William Hill) these transactions totaled to 457 pounds there was also a credit on my account from WHO internet for 400 pounds around the same day these transactions took place. I contacted the disputes team and they refunded the 457 pounds straight away, however at the same time they also deducted 400 from my account in order to reverse the initial 400 credit. So i ended up getting a total credit of 57 pounds. Fast forwar
  14. Halifax are charging £5 a day for being overdrawn - irrespective of how much you are overdrawn. Is this lawful- potentially £155 charges in a 31 day month for being £1 overdrawn? Sorry, to clarify, unauthorised overdraft- even if they allowed it to go overdrwan
  15. Hi guys/girls I do not know where to start on this one. Around 2011, HSBC closed my current account for financial reasons and I was left with an overdraft debt of approx. £2500. Strangely enough (in which I won't go into detail at this stage) there was no overdraft facility authorised or in place, I had asked them on previous occaisons, but they declined. Should I request a copy of the overdraft facility letter to start with? I did send them a SAR request and they sent me four reams (2000 sheets) of paperwork, It's actually guite daunting to look at. I recen
  16. Good Evening Wise Ones, I just wanted to tell someone about my issues that I am having with PayPal and Unauthorised Transactions on my account over the last few months. It all started when I woke up one morning to find funds had been taken from my bank account and PayPal account from a Gambling Company. To cut a long story short with lots of emails back and forth with PayPal they agreed to refund the charges. I was a bit in shock after all the stories that I have heard about the PayPal. But when checking my bank and PayPal account, only some o
  17. We parked in Asda car-park in Brighton Marina from 19:05 hours until 23:09 on 17/11/2014 as clearly shown in the PCN photos of our number plate. We have we received a PCN from Smart Parking dated 02/12/2014. I understand that the PCN has to be sent by the 12th day in order to be valid. My question is, is this 12 working days or 12 days? And .. where do I find that information please? Incidentally, neither of us saw any signs indicating that parking was time-limited. I have looked at Google Earth, and you can drive in without seeing any signs. You successfully helped me get a PCN
  18. My apologies if this is covered by another existing thread. I am on ESA and having problems with my BOS current account. Basically, I have been getting into an unauthorised overdraft position as the bank states that retailers have a floor and ceiling of rates they allow before checking if there are sufficient funds available. It is a basic account and I am led to believe that it is not possible for me to get into such a state. Not sure if I am communicating my grievance properly, so forgive me. I am in a bit of a state, as it is causing me real hardship.
  19. In June this year i made an online top-up from the Delight Mobile website, this month July i noticed that my Debit card had been charged £10 for a top-up, i contacted Delight customer services to ask why this money had been taken without my consent, I was told that it was an auto top up and that if i never wanted auto top up i should have unchecked the box to prevent auto top up, i explained that this is not my 1st top up and i have never had to uncheck any box regarding auto top up, the reply i received was that Delight do not do refunds but the auto top up will be cancelled from next month (
  20. Hi there folks, just wondering if you could help me a little. I have had a account with k & co (previously great universal) for over 10 years now. After having my laptop repaired i asked to extend the guarantee which works out just as much for a year as it was for the previous 4 years (but that's another matter) Anyway, whilst in email conversation with a customer service rep, he mentioned that all insurances automatically renew when the policy ends. I was totally unaware of this and could well still be paying insurance for items i no longer have!!! Ive read the s
  21. Hello, I am new here as you can see, I am not sure where to post this question. My ex partner and I are members of the same credit union, about a week ago he contacted them making a claim that I had accessed his account and transferred money from his account into mine (apparently done a year ago) the credit union has reimbursed funds to him from my account and have extended my credit to pay him back. I was told previous to this I could not obtain a top-up loan until I had paid the current loan back in full, so how is it possible they were able to 'loan' me more money so-to-speak. I knew
  22. Hello I in bit of a pickle. I have been recently buying some credit from a gaming company through the use of debit card online about.. . 6 times now and my last transaction was on the 8th of July. Now, everything was fine and dandy UNTIL the 10th of July, I was charged £9.99 out of no where by the gaming company which I never authorised. Now, this was very unexpected, if I did not notice this in time, I could have been billed £30 or more, by my bank due to insufficient amount of money in my account after the charge (gym membership payment every month
  23. I paid my daughters car insurance premium last December because she was struggling. This week I noticed a payment on my bank account to the same company. I did not authorise this payment. My daughter is currently out of the country, and although that figure may be owed I thought it illegal for any company to retain card details. Am I correct in this belief? If so who do I take this illegal payment up with, my bank or directly with the company involved?
  24. I purchased Hastings direct cover a year ago and made it clear that they are not to auto-renew my policy because I always compare quotes. I had this confirmed by a telephone call so I was happy. I have noticed that without any prior correspondance in any form whatsoever, Hastings direct withdrew a very substantial amount (way over the going rate) from my account and have sent a token email after the event to an old email address I no longer use regularly. I have now sent them 5 emails asking for an explanation as to why they went against my specific instructions never to take money
  25. On checking my statement there was a transaction for just over £28 paid to a pub in another town whcih is about 12 miles from where we live. We never visit this town and checking on Google we have definitely not been to this pub. We have contacted Nationwide who were unable to tell us whether the transaction was on my wife's card or my card. They cannot even tell us the time of the transaction as we can prove our movements on the day in question. Although they have taken the details and told us they will look into it, we have heard nothing further and are st
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