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  1. Hi to you all who have taken out loans with this company me also being one I feel we are all same unite here cos we are all similar cases loans done by the company mine has been too trauma to put on here its cost me dearly in my nerves etc I just want to say thank you for saying on here to each and everyone of you I know we all have experienced same things to do with this company, please hang on cos I believe there is now light at the end of the tunnel. BLESS YOU all and try relax , sometimes it just takes one more to move the mountain . I had to remember nothing is impossible is it, release is coming we have to remember its just a loan and yours and my views count , whither its 1 person 2 people 50 people 1,000 plus people with same view multiplication is coming or is not needed because sooner or later it just takes the right place, action, things, people to change things.
  2. I found out yesterday that RBS have closed my account with no warning and they have said I can't get any funds out of the account. They say there is a letter on it's way - it leaves me in a bad way just a few days before Christmas. They told me to contact them in the New Year to see if there is any update. How long can they keep my money for? I had an old debt with Natwest going back 20 years - can they take this from my RBS funds??
  3. Banks have admitted that thieves are able to use contactless cards even if they’ve been cancelled – sometimes months after being reported stolen. RBS, Lloyds, HSBC, Barclays and Nationwide admitted that a ‘weakness in the system’ can allow fraudsters to use cards after they have been reported lost. The ‘tap and pay’ cards allow purchases up to £30 without requiring a PIN number. The problem stems from the fact that some shops complete purchases ‘offline’, without checking with the card issuer if a card is valid. Instead of checking ‘live’, some shops store transactions and check batches at the end of the day, meaning that stolen cards can sometimes be used. The FCA says that if customers fall victim to this kind of fraud, they are entitled to get their money back. https://uk.yahoo.com/finance/news/thieves-can-still-use-contactless-cards-theyve-cancelled-banks-admit-103749226.html
  4. A close friend of mine has come to me with an issue he has with these nice people. He is a very busy guy, so approached them to run PPI checks, he understand they take a wapping 35%. he had 4 results, cap one £160+, Natwest £700+ 300+ from another NWest and some other for £70+, He is YET to be paid out for the 2 larger ones, the other two sent the cheques to the claims guys, They called him up and informed him they would offset the smaller ones against what he owes on the other two, yet to be paid out, bear that in mind. minimum fees for the two larger ones is £350 :o0 and approx £80 for the other two £80 was fees of the small ones and £150 kept and off set against the other £350, he has an invoice asking for approx £200 for the larger two. He was talking to me this morning and he explained what was the situation, he was ok with it.. .until i pointed out, they have breeched their own agreement with him!! As he has NOT been paid for the larger two, and taking into account they run a system where you do not pay them until you have been paid, offsetting the other money is indeed breeching their own rules and agreement he has with them. be warned, these people WILL keep money owed to you BEFORE you get paid for any larger refunds. he has contacted them and is negotiating a outcome, i do not known what is the end result. I just thought this needs to be highlighted and a warning for any one out there to be careful
  5. Schools issue Snapchat Map warning READ MORE HERE: http://www.bbc.co.uk/news/technology-40509281
  6. I received a letter today from Collect Services regarding a penalty charge notice on the 16 May 2016. The vehicle was registered at a previous address where the person there an ex used my car and received a previous penalty charge notice for the car. I did not receive this as I spilt up with him and he did not give me any letters, it was not until later that bailiffs turned up at his property that he told me. Therefore I was scared to give DVLA my current address as I did not want bailiffs at my house. I now received a new PCN which i think was due to sitting in residental parking , It is a letter from Ealing council in London stating that a PCN was sent to the previous house in concern of legislation, this is usually the address to which the vehicle was registered with the DVLA at the time of contravention occurred unless an alternative address had been provided. As the sum due has not been paid a warrant has been issued to remove goods if not paid in full. IT STATED. I have a learning disability, and anxiety. I will write a letter to state I am self employed as I trying to legally start. Any help Can I have this sent aside, put back to court for the original charge and what about my ex driving for the first contravention, I cannot prove this??
  7. I was caught using a child's ticket by TFL (although my friend who is 2 years older wasn't stopped at the same station...) after received a letter about it, telling me to write back to them and tell my version of events. I wrote back a pathetically grovelling letter of apology and have received a letter in response telling me I will receive only a formal warning if I pay £254.90. An extortionate amount, but I can pay (thank you student loan) and my question is - would a formal warning show up on a criminal record? I study PPE and hope to possibly enter the realm of politics so that wouldn't bode well for me. if anyone could help and tell me whether this would show up on a check, that'd be great.
  8. Having booked a 17 day Sydney 2 day hotel room only stay and 15 day NCL cruise of Austria and New Zealand for Nov 2017. As the tv presenters had stated if you want to add any extra days on please just call back after booking as we are travel agents also so will make sure you get the best price? We contacted Cruise 1st customer service to request a quotation to stay an extra three days earlier in our hotel and change our flights out date. The email reply I have received offered to change our flights for £100 each and the extra three days in the same holiday hotel would be for a room only deal £845 each making a total cost £945 each to extend our booked holiday by three days. I found this quote unbelievable and therefore went online putting the three extra dates in for the same Sydney hotel for the double room only quotation. It came back £625 for the room and not each. so a different of over £1000 from the Cruise 1st one. I contacted Cruise 1st C/S and was told in an email reply that is the price we were given by our suppliers Travel Cube and if you can get it cheaper then I suggest you just pay for us to alter your flights and book your own accommodation yourself as that is the best price we can get. I replied I would be reporting this to the Salford Trading Standards and their suppliers Travel Cube as I and many others I have told think there is no way this can be treated as a fair profit and has to be a customer rip off price as it is done to a large tv audience and many may thing that is the best price and pay it? I feel strongly about this so I have reported this to both Salford Trading Standards and Travel Cube who are both investigating I have been told and will be in touch in due course. i have been told since a £100 per return flight each alteration charge is too high as well and more than Emirates would charge Cruise 1st to do it, also Cruise 1st have told me there is no refund to cancel my transfer cost from the airport to the hotel if arriving three days earlier on a coach!!! After my last email threatening to contact trading standards and Travel Cube there has not been a reply from Cruise 1st. So I have joined this forum to make sure other UK wage earners and retired people wanting a cruise don't get ripped off if wanting extras added. Thank you all Soundguy
  9. Hi My husband has had an account with JD Williams for the past 6 years, 4 years ago we experienced difficulties and they accepted interest free payments of £20 per month which we have paid religiously ever since. Last week he received a letter saying the account had been sold to Lowell and that all payments should now be made to them. I have no issue doing that but they have now started calling our landline (my hubby works nights so we could do without that really!) and we don't want to start being harassed when everything's been fine for 4 years. Is there anything we can/should do? My son answered the phone and is now worried sick :-/ Many thanks Maudy
  10. I recently bought a Origin Gaming Gift Card for my young nephew who is new to PC gaming. I bought it on the assumption that he (only being 8 years old) could activate Origins / EA games subscription service "Origin Access" which allows him to access a selection of EA games for a monthly fee of £3.99 I bought the card from a local Asda and thought it a great gift considering it stated clearly on the front of the card: " use this card for digital purchases - including full games, dlc & origin access subscription - no credit card required " (the key points of purchase being no credit card required and it can be used for Origin Access subscription) you cannot use these cards to buy Origin Access, even though the wording on the front clearly states you can. Upon speaking to Origin via webchat they stated that the card could not possibly have that wording on the cards as you cannot (nor have you ever been able to) use the gift cards for Origin access as its a subscription based service. However Asda (my local store) is selling a pile of them with them , all indicating you can use the cards for Origin Access - and this is in bold print on the actual cards themselves (not a Asda label, but actually printed clearly on the cards) Just a word of warning to anyone who buys these cards thinking like I did to use with Origin Access subscription, please do not buy them! As once you scratch the panel and enter the code on your Origin account, bang goes your refund, which is pretty annoying. Obviously you can use the gift card amount to buy a game etc but once again be careful with this one, as if the game exceeds the amount of the "gift" the extra you need to pay becomes a real headache as you dont get an option to pay the rest with a credit card etc.. well not without jumping through hoops & errors. I am in contact with both Asda and Origin at the moment, even sending photos of the card with the wording on it (as Origin need proof of the wording on the cards) To be fair, the card I purchased wasn't for a great deal of money and I wont be losing any sleep over it, although the principle of the matter is I bought the gift card on the assumption it could be used for Origin Access - when clearly it cannot be used for that !! Origin's attitude is pretty unapologetic and all they seem to be saying is you can still use the card to buy a game from us . Im pretty shocked a company the size of Electronic Arts (or Origin their kinda PC gaming subsidiary) are selling these cards with false information clearly printed on the front . I've contacted Asda regarding this too as in effect as the retailer they have some responsibility here be warned, dont buy Origin Gift Cards for Origin Access for use in the UK as your in for a big disappointment.
  11. A while ago I defaulted in paying a court fine due to mental health problems. I had a Bailiff come when I was out so called back and said that I had no money and nothing valuable to take and he could come and see. He said that the office would call me but they didn't. I had a letter in the post today regarding Warrant of Arrest warning. It is headed HM Courts and Tribunals Service but I have to contact a mobile number (I thought that was dodgy) and a name which is the same ne as the Bailiff that came. I know I was so stupid in defaulting and in no way am I refusing to pay but should I contact this mobile number? It really is setting off alarm bells with the fact it's a mobile number and the Civilian Enforcement Officers name is the same as the Bailiff.
  12. Good Morning to everyone here at CAG, another one of the many issues we've had to face at least it's not a council issue as before. I'm here to warn everyone and I have been a bit lazy and not searched the forum for any related articles, but I do feel this information needs to be passed on. This information concerns several business's and so I will Bold each one and to why I'm warning people of this. I will also provide as much information as I can, including links "BUT PLEASE DON'T USE THESE COMPANIES" The reason I'm posting this, is due to my wife. I run my own Small Business and by small I mean we currently only have one client, I also have a very bad credit history (though we are trying to resolve this) so trying to get the business of the off the ground with no money and no financial help is very hard work (Especially when you can't get credit). My wife works in order to bring in a steady income enough for our family to survive while we sort out our financial situation and get the business running. Now this concerns several business's in the "PayDay" loan sector and the mistake my wife made (Though not through any fault of her own), so I would like to pass this information on to everyone. So due to it coming up to Christmas, we have been short on money and so my wife looked at some loans and this is where it starts. Hypercross Limited: CN: 07720400 - Trading as Just Lend Cash They sent out a text message to my wife This appealed to my wife, as it was offering the loan to be paid back over 3 months. So she went to the website and saw it was a form for a loan and filled out the details. My wife being my wife, didn't think anything strange of this and so she hit the apply button and waited. This is where it all went wrong, as rather than tell her yes or no she's got the loan it redirected to the following site. http://www.loans-directuk.net/ Now if you look at the site, it tells you that it's a membership site and will cost you £69.95 to sign up. However this was not the case for my wife and it had automatically signed her up to the site. Though I have been through the email account in question and cannot find any emails from either company to confirm this, the only email I have is from me advising them that this was done fraudulently and advised if they take any money from the account it would be reported as so. So they did take the money from the account and subsequently been reported for fraud to the police, Action Fraud and the bank. We are just awaiting on the pending transaction to go through, at which point the bank will claw back the funds. DO NOT USE JUST LEND CASH - THEY FRAUDULENTLY OBTAIN MONIES BY DECEPTION Ok so the next one has got me very angry, even to a point I'm half tempted to visit this companies so called office of registration I only live 30 minutes from them. Frontier Finance Limited: CN: 06081861 - Personal Loan Finder (PLF) This was a cold call from the company PLF, I was around at the time of the call though not during the initial stages of the call. During this call they took details from my wife, including Debit Card details. I caught the call at this point and asked my wife to tell the lady on the phone that I wished to speak to her, she rang off as I said hello. My wife advises me that they had asked her to go to the website once she received the login details to approve the loan, so the text came through and this time I did the website information and looked at it. So I logged into the account with the details they provided and the first thing I noticed was the fee required, which was £39.99 at this point I said to my wife that there was no chance as I'm not paying a fee and we left it at that. Now my wife went to work and came home at 9pm, to advise me she had been paid a day early. So with the first part of this topic, I logged onto the account with the intention of removing all funds from the account to stop any money from leaving if it did. To my amazement, there was a discrepancy of £158.27 this rang alarm bells straight away. The £69 had been taken by Loans Direct for which was the reason for login into the account in the first place to make sure fund were not available to this company. There was however another £89.50 missing that was not accounted for, so we contacted the banks fraud department who have now advised that the £89.50 was taken by a company called Elite Loans Limited. This rang further alarms bells, as my wife had not had any dealings with this company and so I investigated and what I found is shocking to say the least. Elite Loans Limited: CN: 7179840 I've checked their website and also done a Companies House check on the company to see if they are a sister company of Frontier Finance who operate Personal Loan Finder and this is what I found and according to the details on companies house and on company check, they don't appear to be related but I know they are because it's the only other company that has taken my wife's debit card details.. Frontier Finance has in the last 24 hour since I raised a complaint to them (as the only way to contact them was through an email address, as the telephone numbers don't work) and advised I have reported them, have now removed their company number from their website or it's not at the bottom where it was last night. Since all this has happened, we have raised this with the police as fraud who have passed details across to Action Fraud. I've also contacted Action Fraud, who will be contacting me at some point today to discuss further. It has also been reported to the bank, who are going to claw back the monies and dispute against both companies. Now my advice to anyone and everyone, including those of you who feel you would know better. Investigate a company first, if it sounds to good to be true it most certainly is. Do all the necessary checks first and under no circumstance give out you Debit/Credit Card details over the phone especially if they require you to approve via a website and even then make sure you read the fine print. I've listed some links of useful site to use below. http://companycheck.co.uk/ - Check out the company first http://wck2.companieshouse.gov.uk//wcframe?name=accessCompanyInfo http://www.actionfraud.police.uk/ I will post up more information on how we get on, as and when we get it.
  13. Hello I had an old debt with HPH2 LTD (EX CAPITAL ONE) that was being handled by Robinson Way. The debt itself was settled back in 2005 but Robinson Way decided that they were going to continue pursuing it up until about 2011 when they gave up after being unable to satisfactorily prove that I actually owed them any money. I received this letter from them today... "It has recently been identified the above account should not have been sold to our client Hoist Portfolio Holding 2 Limited ("HPH2") and as a result we should not have been assigned to the account for collection. This means that the account will be removed completely from our records and our client, HPH2, now confirms that you have no outstanding debt with them. In addition to this, you are eligible for a refund of any payments made since our client, or the previous owners, MKDP LLP ceased legal ownership of the debt. The refund is currently being processed and should be with you no later than 14 days from the date of this letter. Please accept our apologies for any distress this matter may have caused." I telephoned to find out what they mean by refund as I have not made any payments to them since I settled the debt nearly 11 years ago!. The man on the phone very nicely apologised for the letter and informed me that "We've been getting a lot of calls about these letters" and told me that they had been sent out in error. Oh and "How would I like to be paying today?" This is obviously a bit of phishing by Robinson Way so just wanted to post it up here so that you could all be aware of it. I will as always continue to ignore this nonsense
  14. I was having disciplinary hearing and has been giving first written warning. I have appealed against this decision. Is it compulsory for my employer to conduct the appeal hearing?
  15. Apple have issued an urgent iPhone and iPad software update (iOS 9.3.5) that included a patch for a serious security vulnerability. The vast majority of iPhone owners are probably on iOS 9 right now, but you should check and install that version right away The malware in question, which was detailed in a report from Citizen Lab and Lookout security, is a serious compromise that’s never been observed against iOS devices before. But you can guard your devices and your personal data against the latest security threat simply by heading to settings and hitting the update button. http://www.theverge.com/2016/8/25/12651206/apple-iphone-security-threat-update-now
  16. Hi This is my first post so please bare with me. My wife was issued a Private parking ticket for Payment not made in accordance with terms displayed on signage by CIVIL ENFORCEMENT LTD at The Parade Firmley High street GU167HY so I appealed but I got refused and in few weeks I forgot about it, as I got busy with my work and young baby. Few weeks ago a debt collection letter came through my door asking for £200 double the amount of actual ticket so I replied but there response just got worse and now I have letter from their solicitors asking for £236 or they obtain a County court Judgement. Here are my details:- PCN issued- 17/08/15 on the PCN it reads vechle parked from 1500.10 hrs to 1625:42 hrs , the actual ticket reads 1513 hrs to 1713 hrs they have a 10 mins window to obtain ticket. £60 for 3 mins or after 14 days £100 for 3 min. I have the actual ticket and all the letter we exchanged with different parties. My defence:- 1) Discrimination against my wife as she was with our 2 months old baby, she was willing to pay parking charges and did paid but was penalised for being few minutes late just because she was not fast enough to handle her young baby. 2) The amount charged was unfair and is not the true representation of the cost incurred by the owner or company running the business. 3) I was not provided with a case or reference number which would have allowed me to appeal to BPA after Civil Enforcement Ltd. Shall I defend my case or just pay and end this matter, which I was thinking about but I just feel that I have been used to extract money , to me its unethical and my inner feeling wound not allow to give in to these cowboys. Please help me to defend my case I would happily donate the parking fee amount to this forum if we can beat these cowboys.
  17. As the title suggests this is a warning post to drivers and their parents about car modifications. I was out the other evening and i noticed three young drivers with very heavily modified cars, with tinted window, sports exhausts etc. As they were only in their early 20's, if they had insurance with all these mods properly disclosed, it would have made the insurance very expensive. Many people carry out mods to their cars and don't even think about insurance. If you fail to notify insurers of any modifications to a standard car, you are at risk of the insurers not paying out for any accident damage to your car. If you cause damage to third party property or injury/death to a third party, whilst your insurers may pay out to the third party as a duty under Road Traffic Act, they will come after you with court action if necessary to get their money back. The third party claim might be for tens of thousands. A friend of mine crashed a heavily modified car many years ago and the car was a write off. He had not informed his insurers of some mods and took them off the car before the insurers engineer inspected. The engineer was not fooled and could see some evidence there had been previous mods, so the claim was declined. My friend argued that the engineer had no evidence the mods were on the car at the time of the accident and after months the insurers paid out. If you are a parent and have Sons/daughters who modify their cars, please do make sure they advise their insurers and have the correct insurance. If they fail to do so, they risk a very expensive lesson. E.g no cover for car damage, liability for third party damages, having insurance cancelled making insurance unaffordable for years to come. They should check whether they can get insurance, before they start spending money on modifying their cars,
  18. Good morning all... I checked my credit files this week, and was rather shocked to see a default registered by Orange, last year for £65. Background is this: I have been an Orange customer for over 15 years, and towards the end of 2014 my handset stopped working and I decided it was time to upgrade and get a new one. Simple, or so I thought. I called Orange from my handset, and was quickly upgraded to a new contract by the representative who told me that my new contract was with EE but that it was all the same company and nothing would change. My account was not in arrears. The EE account has been running since, no arrears, no notification of outstanding arrears, until last week when I discovered the default and outstanding balance. I called 150 from my handset, and was transferred to a call centre in India where I was told that I had not paid my final Orange bill, which was strange as I can't remember the phone representative mentioning anything about it when I upgraded and I haven't received a bill or reminder about it and of course I am still an EE customer, they know exactly where I live and I still have the same number. I asked to speak to a manager, was kept waiting for 40 minutes, then hung up on and had to repeat the same process again. I finally got through to someone who told me it was my fault, they had apparently sent me my final Orange bill with an amount for the first months EE bill and insurance. This is even stranger; surely I would've been cut off if I hadn't paid my EE bill, and this is beside the fact that I was told nothing would change when I upgraded my phone? Orange told me I need to pay the DCA, and there is nothing they can do. I have received no correspondence from any DCA. Reading around other threads it doesn't look good for having the default removed, and I am so frustrated, as my credit file would be clean at the end of the year and I was looking to get a mortgage. It doesn't seem right that Orange/EE should be able to do this, and I certainly would not have upgraded my contract with them had I known, but understanding that mobile agreements are not bounded by the CCA I'm not sure how to challenge it?
  19. Hi, Not too sure where to put this or if anyone has already reported it. http://www.hoax-slayer.net/dvsa-receipt-malware-email/ If this is in the wrong places please place in the correct forum(s)
  20. Now their latest released video is about their disappointment towards UK government ignoring the video prior to this one. They were very disappointed that the UK government underestimated them and their released statements. Now, UK government will get what they deserve. This actually sounds scary. What would be Anonymous’ next action? Let’s stay tune. Watch Anonymous’ video below. Greetings citizens of the world, we are anonymous. http://weshapelife.org/2016/02/24/anonymous-is-back-leaving-a-warning-for-uk-government/ Now i went to a Anonymous do a while back and met some protestors,took a few pictures and had a chat. A fine evening was had.Mostly young and absolutely cheesed off with things. Same year that Russell Brand was seen unmasked in a protest in London. What do you think of this message.Are they making a fair point do you think. Tawnyowl totally unbiased as usual- Just wondering what your views are on points made.
  21. British Gas Smart Meters have issued a safety warning regarding the Power Adaptor for their Smart Energy Meter. The letter states the following; It goes on to say, that the actual Energy Smart Meter is NOT affected & you are to keep that aside. A replacement adaptor will be sent out within the next 8/9 weeks, along with a envelope for you to send back the old adaptor. Once the new adaptor arrives, plug the Energy Smart Meter back in. The letter does not state any kind of serial/part number or area, I live in Essex, so I've no idea who may be affected or not by this. Contact 08009806121 Mon - Fri 8am - 8pm. Sat 8am - 6pm.
  22. We live in a road, that is made up of privately owned houses and flats and which also contains around 15 social housing flats. These properties were built 5 years ago. This morning, a man from UKPC put up a load of parking notices, with various rules about parking in designated bays, displaying parking permits, time limits on parking in visitor bays and non return to visitor bays within 48 hours ETC. Charges are £100, reduced to £60, if paid within 14 days. None of the residents have been given prior notice that this company was going to be doing this! The road is a private road, operated by a separate entity to the lease holders of the properties, and is only for the 90+ properties in this road. At this point in time, no residents have been issued with any parking permits for their vehicles. It seems to us that this company (UKPC) could, in theory, start issuing penalty/charge tickets to anyone now using this road. Is there any legal right for residents to be informed that this was going to happen, or do the owners of the road have no legal duty to do so, other than putting up these signs? Thanks.JD444
  23. CAG, along with many others have been steering people away from Pay Day Loans. Now there is a new tactic from one particular bank. I have personally condemned Vanquis for their high interest rates and being no better than a revolving Pay Day Loan. CAG has seen many cases of how easy it is to get into serious debt with this particular type of credit card. Now Money Mail are on the case....
  24. I'll try to keep it brief but succinct: I've received various bog standard letters from Shoosmiths on behalf of Arrow Global, about a HSBC Credit Card debt they bought from the Bank in 2014. I have taken no action with regard to these. Shoosmiths have however today tried to up the ante by threatening Court Action unless they have my proposals for repayment within 14 days. Is it appropriate, at this stage, to send a CCA Request letter (and am I correct in sending it to Arrow Global, who are the owners of the debt, and not HSBC, the original creditor? The letter from HSBC that I have, dated July 2014, states that "Arrow Global is now the owner of the account"). Should I also request that Arrow Global advise Shoosmiths not to take any further action until / unless my CCA Request has been complied with? Should I further write to Shoosmiths, advising them of the request that I have made of Arrow Global? This debt was previously (2012) being handled by CapQuest, on behalf of HSBC. I sent a CCA Request at that time. CapQuest acknowledged that they were unable to provide copies of the relevant documents. Should I advise Arrow Global / Shoosmiths of this fact, or is it better to keep my powder dry at this stage? If the above course of action is not the correct one for me to take, I'd be most grateful if you could point me in the right direction! Many thanks Airtomoreira
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