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    • I do disagree with you regarding one thing - we are not very good with letters or these situations and are slow on the uptake. So far you have stood up to Excel and their threats, immediately given us the information in the sticky, done loads of reading up to educate yourselves, learnt from the mistake of outing the driver so you'll know not to do so in the future, got on to the organ grinder to try to get them to call off their dogs, etc., etc.  Good grief - we wish everyone who came here would do this!!! Most people who get these invoices sadly think they have been fined and if they don't pay a drone from Ukraine will be diverted and will fall on their home (or some such vague grand apocalyptic threat) and they fold and give in.  You haven't.  Well done. Don't worry - you won't be paying a penny.  Although it will take some time to see off this vile company.
    • Spot on!  You learn quickly. Who cares if the case gets sent to debt collectors?  They have no powers.  All the effort you will have to put in will be to open envelopes - and then spend time laughing at their daft "threats".  No stress at all!
    • I did ask them why, but seems they have more spare cash than we do .. ;-( .. I doubt their bank would even support a chargeback after a year has passed. Anyway I've constructed my first DRAFT Snotty Letter .. so here goes ..   RE: PCN 4xxxxx Dear ALLIANCE PARKING Litigation Dept, Thank you for your dubious Letter Of Claim (dated 29th April 2024) of £100 for just 2 minutes of overstay. The family rolled around on the floor in amazement of the idea you actually think they’d accept this nonsense, let alone being confused over the extra unlawful £70 you had added. Shall we raise that related VAT issue with HMRC, or perhaps the custodians of the unicorn grain silos? Apart from the serious GDPR breach you’ve made with the DVLA and your complete failure in identifying the driver, we’re dumbfounded that the PCN is still not compliant with the PoFA (2012 Schedule 4 Under Section 9.2.f) even after 12 years of pathetic trial and error. We also doubt a judge would be very impressed at your bone idleness and lack of due diligence regarding the ANPR entry / exit periods compared with actual valid parking periods. Especially with no consideration of the legally allowed grace periods and the topological nature of the Cornish landscape versus a traditional multi-storey. And don’t even get us started on the invisible signage during the ultra busy bank holiday carnage, that is otherwise known as the random parking chaos in the several unmarked over-spill fields, or indeed the tedious “frustration of contract” attempting to get a data connection to Justpark.  We suggest your clients drop this extreme foolishness or get an absolute hammering in court. We are more than ready to raise the issues with a fair minded judge, who will most likely laugh your clients out in less time than it takes to capture more useless ANPR photos. We will of course be requesting “an unreasonable costs order” under CPR 27.14.2.g and put it toward future taxis to Harlyn Bay instead.  We all look forward to your clients' deafening silence. Legal Counsel on behalf of the Vehicle Keeper.  
    • Hi,t I'm not sure if I'm posting in the right subsection but General Retail appears to be the closest to it I think... About a year and a half ago I got a new phone so I listed my iPhone 10 on eBay.  The listed stated 'UK only' and 'no returns accepted'. Considering I had had the phone for about 4 years, I myself was amazed that I had kept it in such good condition all that time - apart from being slightly scuffed around the charging port there was absolutely nothing wrong with it. It had the original box, its unopened original Apple cable, plug, and earbuds, and I threw in a case for it and It had always had a screen protector on it. Someone wanted it from Armenia, and I stupidly agreed to it.  She paid and I sent it off, fully insured. Not long after she received it, she sent a message saying it 'was not as described', so I asked to see photos of whatever was the problem.  She sent two photographs of the box.  Just the box.  I said I wasn't even going to consider refunding her unless she told me what she meant by 'not as described'.  I thought, if it's been damaged in transit, then it would be covered by the insurance. Anyway, she didn't respond at all, even though I had messaged her several times, so she opened a case with eBay. I have sold a fair few things of mine on eBay in the past buy had never had had anyone come back to me asking for a refund.  I got in touch with eBay several times by phone and by email, and found out they always side with the buyer, no matter what with their 'eBay Seller Guarantee'.  She had been told she could keep the phone and told me they would recover the money from me from my account blah blah.  So I unlinked all of my cards etc and changed my bank account to one that I never use with no money in it. My account got suspended.  I continued to try to explain to eBay that I had been scammed but I got nowhere. My account was permanently inaccessible by this point. I reported the phone stolen and the IMEI blacklisted but I'm not sure if that would make any difference being in Armenia, but it was all I could think of to piss the buyer off. A couple of months later I was contacted by email by a debt recovery company (I can' remember who now), to whom I explained I will not discuss the matter with them until I had received an SAR I had requested from eBay. As I could no longer access my account, I couldn't review the communication I needed to show I was not in the wrong. The SAR was produced but I was advised that the information I was looking for would not be included but I said I wanted it anyway.  There were so many codes etc. and hoops to jump through to access it, that even after trying whilst on the phone to them, I still couldn't get into it, so I never got to see it in the end.  I think they said they would send the code by post but they never did and I forgot about it after a while. I've just come across a couple of emails from Moorgroup, asking me to phone them to discuss a private matter regarding eBay.  I haven't replied or done anything at all yet.  The amount they are trying to recover from me is £200ish from what I remember. I know it's not that much but I don't want to pay the b*astards on general principle. I've had a lot of useful advice from CAG in the past about debt collectors but it has always been about being chased by creditors, I've never been in this situation before. I don't know what power they legally have to recover the 'debt', and most importantly, I am two years into a DRO, and the last thing I want is another CCJ to shake off if I'm cutting my nose off to spite my face.   Any advice gratefully received!!
    • Hi, I have the Sims 4 on Macbook. Over the last year I have paid for multiple add on packs spending a lot of money on them. I bought them all in good faith as my Mac met all the minimum requirements to play them. I have been playing happily for about a year and bought my latest pack just over a week ago. The games were all working fine yesterday. Then suddenly today EA released a new app to launch the games and this new app requires a MAC OS that my computer cannot use. Now suddenly none of my games are accessible and I am unable to play anything. They did not warn us about this change in requirements and if I had known they would be doing this I wouldn't have bought all these add ons as they are now all totally unusable. The games themselves have not changed, only their app to launch them and I can't afford to buy a brand new mac just to play. So my question is how can they change the minimum requirements after I have paid for a game? I agreed to pay for them based on the fact my mac met their requirements and was not informed when purchasing that this would be an issue in the future. I understand new games (like Sims 5 which is to be released next year) might not be compatible but this is a 10yr old game that they have suddenly made inaccessible due to their new launch app. Does anybody know if I can do anything or anyway to get a partial refund from them? Thanks   Here are their T&C... I can't find anything in there about them being able to do this so not sure what to do https://tos.ea.com/legalapp/WEBTERMS/US/en/PC/
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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
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HELP DCA Taken money from my account!


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hiya well maybe to stop any further payments, ring your bank and say your card has been lost somewhere in the house you think , and best they cancel it completly and get a new card out to you asap

 

this way i believe it will be a new card number and should the company try and get more money they wont as it will be no longer in use

 

thats what i did when before i got involved in cag, mbna were taking out monthly amounts for when i agreed only 1 payment with them.

 

then destroy your card in a million peices

 

take care dont let them take your money like this, this is even worse than direct debits that come out on different dates, which annoys me madly, and thats why i like my standing orders better

 

laters angel x

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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I had something similar happen to me with an unauthorised amount that put my account into deficit. Don't take for word that you have to wait for that long. for the money to be put back in. Mine was with abbey and once got through to the right person, they were quite good After I spent about an hour on a (frepehone) call, I finally got to someone who credited my account immediately as I had no money left with no overdraft over something I did not authorise. Mine was with daf.

Direct Auto Finance & DLC dispute ongoing.

Offer with confidentually agreement from DLC / DAF DECLINED :D

Please PM me if you have any cheap rate or 0800 number for DCA's to add to my list and also to my website

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What I would also do is to take a letter into the local branch of the bank today, with a simple letter for them to sign confirming receipt of your letter, stating that, under no circumstances are they to set up any form of payment plan to this company.

 

Then, if you want to set up a replayment plan to the OC at some point in the future you should do it by standing order which you have complete control over.

 

I hope this makes sense,

 

Feebee_71 :)

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This stinks. Nice to see the Bank will refund the money. Hopefully that should go through.

 

I would do as stated and phone the police. They won't be interested or take any action but it will give you a crime reference number.

 

Once you have that number write to HSBC quoting it and stating formally that you have never given permission, verbally or in writing, for CSL to withdraw funds in such a way and thank them for acting diligently in stopping any further fraudulent transactions by CSL and returning the monies taken from your account without your permission. (I say 'thank them' as sometimes it can prove useful to write in such a way.)

State that you will co-operate fully with any investigation they begin and that you have a crime reference number from the Police and that you have also informed the OFT.

 

I would write to CSL stating you will no longer communicate with them or reply to any further letters on the basis alone that you refuse to deal with a company that apparently is involved in theft and criminal activity. (If they view that comment as libel then tough. You added the 'apparently' remark and they are not going to take you to Court over it as they won't want the detail of their actions to get too much publicity.)

Quote the Crime reference number to them and state any further correspondence will be read and filled but not responded to but, on Legal Advise, will be retained as evidence for any future Court Proceedings.

 

If Barclaycard are still the legal owners of the account (and have not sold it outright to CSL) then i would write to them, stating that they are responsible for the actions of any DCA they appoint, give them copies of the letters you have sent to HSBC, CSL and the OFT complaint as well as the crime reference number.

Tell them you will no longer deal with CSL directly in any way, the reasons why, and state that should they object to this course of action then they are welcome to start Court Action for non payment. Whereby you will counter claim for damages and attempted fraud and considering they have not supplied an enforceable and valid agreement as per the CCA1974 they would not have a strong case along with the attempts of CSL to 'apparently' steal funds from your account. Under such circumstance you will also enlist as much media attention as possible in your belief that the fraudulent measures used by CSL, in your opinion, (and therefore sanctioned by Barclays by using an untrustworthy and disreputable Debt Collection Agency) are in the public and national interest.

  • Haha 1

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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Davey, will you marry me? :D;)

Never argue with an idiot, they'll bring you down to their level and beat you on experience ;)

 

Inca V Crapital One: Low monthly payments accepted - Paid

Inca V HSBC (Charges): WON - Charge reversed.

Inca V Barclaycard/CSL: Complaint sent after CSL illegally took money from my account. Dispute ready to send: Not heard anything since March 2009! Jan 2011 Rc'd letter from new debt collectors saying they have bought the debt. Joy!

Inca's Nan V Saga Card: Utter *****!! Low payments eventually accepted

Inca's Nan V MBNA: Low payments accepted

Inca's sister V Moorcroft: WON. Low payments accepted.

Inca's sister V Thames Credit: Nothing received. Dispute sent 08/01/09: Not heard a dicky bird since March 2009!

 

 

 

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Davey, will you marry me? :D;)

 

If you are as cute as your cat it's a distinct possibility! :D

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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Hahaha!

 

The first CAG wedding... fantastic!

 

Getting back to *ahem* matters in hand I have just spoken to Thames Valley Police (groan).

 

They will not give me a crime reference number as they have said it's a civil matter and not a criminal matter. They have said that this is because I have given them permission in the past and that I am having dealings with them with regard to the debt itself.

 

They suggested (haha!!) that I go to CAB.

 

I am going to write to everyone you have said above and see what happens.

 

I am having nothing to do with CSL from now on, I know that much!

Never argue with an idiot, they'll bring you down to their level and beat you on experience ;)

 

Inca V Crapital One: Low monthly payments accepted - Paid

Inca V HSBC (Charges): WON - Charge reversed.

Inca V Barclaycard/CSL: Complaint sent after CSL illegally took money from my account. Dispute ready to send: Not heard anything since March 2009! Jan 2011 Rc'd letter from new debt collectors saying they have bought the debt. Joy!

Inca's Nan V Saga Card: Utter *****!! Low payments eventually accepted

Inca's Nan V MBNA: Low payments accepted

Inca's sister V Moorcroft: WON. Low payments accepted.

Inca's sister V Thames Credit: Nothing received. Dispute sent 08/01/09: Not heard a dicky bird since March 2009!

 

 

 

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Withdrawing funds from an account without permission is potentially criminal behaviour in my view. The police are making assumptions that because of past dealings with the organisation in question they have your permission.

 

Where is the proof? Where is the evidence of permission given?

 

The Police stink.

 

I would write a formal complaint to your local constabulary. It may be the case they are less complacent when replying in writing as that is proof of what they have said.

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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Withdrawing funds from an account without permission is potentially criminal behaviour in my view. The police are making assumptions that because of past dealings with the organisation in question they have your permission.

 

My thoughts exactly.

 

If someone has taken something of mine without my permission in my eyes it is theft.

 

She did sympathise with me, but said there was nothing she could do.

 

I tried expalaining that on previous occasions I had given them permission to take monies from my account, but that was only when I was on the telephone and giving them the card details!

 

Madness.

Never argue with an idiot, they'll bring you down to their level and beat you on experience ;)

 

Inca V Crapital One: Low monthly payments accepted - Paid

Inca V HSBC (Charges): WON - Charge reversed.

Inca V Barclaycard/CSL: Complaint sent after CSL illegally took money from my account. Dispute ready to send: Not heard anything since March 2009! Jan 2011 Rc'd letter from new debt collectors saying they have bought the debt. Joy!

Inca's Nan V Saga Card: Utter *****!! Low payments eventually accepted

Inca's Nan V MBNA: Low payments accepted

Inca's sister V Moorcroft: WON. Low payments accepted.

Inca's sister V Thames Credit: Nothing received. Dispute sent 08/01/09: Not heard a dicky bird since March 2009!

 

 

 

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I'd make a formal complaint to the 'Police Complaints Authority' Making a complaints to the IPCC & your MP.

 

Withdrawing monies from your account without your express permission is theft pure and simple. Any previous transaction does not give implied authorisation for them to take future amounts. If it did supermarkets, garages and anyone else who had been given debit card details in the past would have carte blanche too! :mad::mad::mad:

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I wonder which part of THEFT the police are unclear about?

 

Definition = In criminal law, theft (also known as stealing or filching) is the illegal taking of another person's property without that person's freely-given consent. As a term, it is used as shorthand for all major crimes against property, encompassing offences such as burglary, embezzlement, larceny, looting, robbery, mugging, trespassing, shoplifting, intrusion, fraud (theft by deception) and sometimes criminal conversion. In some jurisdictions, theft is considered to be synonymous with larceny; in others, theft has replaced larceny.

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Well, I just checked my bank account and the b*****ds have taken £50 out of my account today!!!!!!They are not meant to hold my card details, let alone take a payment without me being on the phone giving them my card details!Is there anything I can do, this is theft surely?:(

 

Inca, as you have reported this to the bank, and ordered a new card, it is up to them to report the matter to the Police under the new Fraud Act 2006:Fraud Act 2006 (c. 35)

Take a look at this site:Card Watch - Card Fraud Prevention - Home

CNP (Fraud Card Not Present):Cardwatch Online: Increases awareness of card fraud and how to prevent it ...

 

My only question being, do you still sign for your transactions or do you enter a pin? I only ask as I have had to have my card changed back so I sign for each transaction, however not for online shopping. If, as I suspect, they have stored your card details, then under the new Fraud Act they have committed the following offences:Fraud Act 2006 (c. 35)

 

Fraud Act 2006 (c. 35)

 

Fraud Act 2006 (c. 35)

 

Fraud Act 2006 (c. 35)

 

And as they are all criminal offences, and can lead to a custodial sentence you would be wrong in assuming that it is a Police matter, it isn't. With the new Fraud Act the onus is now on the banks to bring legal action against these companies, and to investigate any trends, leaving the Police to their tea and donuts!;)

Fraud victims told: Go to the bank, NOT the police| News | This is London

Hope this may be some help, reporting it to the OFT, aswell as the FOS:our complaints procedure and how to complain

might be the ammunition they need to revoke their licence.:D

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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I know, I can't understand it either.

 

I said all this to her and all she kept repeating was that it was a civil matter not a criminal one.

 

Typical Thames Valley Police!!!!! Can't be bothered to get up off of their arses and do anything.

 

She sounded all of 12 as well.

Never argue with an idiot, they'll bring you down to their level and beat you on experience ;)

 

Inca V Crapital One: Low monthly payments accepted - Paid

Inca V HSBC (Charges): WON - Charge reversed.

Inca V Barclaycard/CSL: Complaint sent after CSL illegally took money from my account. Dispute ready to send: Not heard anything since March 2009! Jan 2011 Rc'd letter from new debt collectors saying they have bought the debt. Joy!

Inca's Nan V Saga Card: Utter *****!! Low payments eventually accepted

Inca's Nan V MBNA: Low payments accepted

Inca's sister V Moorcroft: WON. Low payments accepted.

Inca's sister V Thames Credit: Nothing received. Dispute sent 08/01/09: Not heard a dicky bird since March 2009!

 

 

 

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Inca, as you have reported this to the bank, and ordered a new card, it is up to them to report the matter to the Police under the new Fraud Act 2006:Fraud Act 2006 (c. 35)

Take a look at this site:Card Watch - Card Fraud Prevention - Home

CNP (Fraud Card Not Present):Cardwatch Online: Increases awareness of card fraud and how to prevent it ...

Will my bank do this automatically then??

 

My only question being, do you still sign for your transactions or do you enter a pin? I only ask as I have had to have my card changed back so I sign for each transaction, however not for online shopping. If, as I suspect, they have stored your card details, then under the new Fraud Act they have committed the following offences:Fraud Act 2006 (c. 35)
I use a pin for my transactions, haven't signed for anything in years.

 

Fraud Act 2006 (c. 35)

 

Fraud Act 2006 (c. 35)

 

Fraud Act 2006 (c. 35)

 

And as they are all criminal offences, and can lead to a custodial sentence you would be wrong in assuming that it is a Police matter, it isn't. With the new Fraud Act the onus is now on the banks to bring legal action against these companies, and to investigate any trends, leaving the Police to their tea and donuts!;)

Fraud victims told: Go to the bank, NOT the police| News | This is London

Hope this may be some help, reporting it to the OFT, aswell as the FOS:our complaints procedure and how to complain

might be the ammunition they need to revoke their licence.:D

 

All lord that all sounds fantastic, thank you for that post!!

 

I am going to sit down tomorrow afternoon and draft some letters to HSBC, CSL, Barclaycard and OFT/FOS... Just not sure what to say to all of them now you have posted all of this extra info.

 

My head is a whirl with all the letters I am having to write as it is! lol

Never argue with an idiot, they'll bring you down to their level and beat you on experience ;)

 

Inca V Crapital One: Low monthly payments accepted - Paid

Inca V HSBC (Charges): WON - Charge reversed.

Inca V Barclaycard/CSL: Complaint sent after CSL illegally took money from my account. Dispute ready to send: Not heard anything since March 2009! Jan 2011 Rc'd letter from new debt collectors saying they have bought the debt. Joy!

Inca's Nan V Saga Card: Utter *****!! Low payments eventually accepted

Inca's Nan V MBNA: Low payments accepted

Inca's sister V Moorcroft: WON. Low payments accepted.

Inca's sister V Thames Credit: Nothing received. Dispute sent 08/01/09: Not heard a dicky bird since March 2009!

 

 

 

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So if a DCA/Bank rob you it's a civil matter....vice versa it's a criminal matter? We're all doomed.....dooooooooomed!

 

vd1dnt.jpg

 

LOL Loving it :D

Never argue with an idiot, they'll bring you down to their level and beat you on experience ;)

 

Inca V Crapital One: Low monthly payments accepted - Paid

Inca V HSBC (Charges): WON - Charge reversed.

Inca V Barclaycard/CSL: Complaint sent after CSL illegally took money from my account. Dispute ready to send: Not heard anything since March 2009! Jan 2011 Rc'd letter from new debt collectors saying they have bought the debt. Joy!

Inca's Nan V Saga Card: Utter *****!! Low payments eventually accepted

Inca's Nan V MBNA: Low payments accepted

Inca's sister V Moorcroft: WON. Low payments accepted.

Inca's sister V Thames Credit: Nothing received. Dispute sent 08/01/09: Not heard a dicky bird since March 2009!

 

 

 

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I'd make a formal complaint to the 'Police Complaints Authority' Making a complaints to the IPCC & your MP.

 

Withdrawing monies from your account without your express permission is theft pure and simple. Any previous transaction does not give implied authorisation for them to take future amounts. If it did supermarkets, garages and anyone else who had been given debit card details in the past would have carte blanche too! :mad::mad::mad:

 

Good idea to try the IPCC. Can't let the Police fob people off like this. As said, if I took funds under similar circumstances the Police would prosecute and call me a criminal. A DCA does it and it's a civil matter and nothing to do with them. It's not on and we need to make a stand.

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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So, are the police saying that if you had a friend who came to your house all the time, and you sometimes lent them the odd £10 on an occasional basis, and one evening they turned up and stole £3000 that you had left on the kitchen table. This is not a crime as you had lent money to them before and you were content to let them into your house on previous occasions. I DONT THINK SO!!! I would threaten that pc with a complaint unless you get the right advice. Nothing like a complaint threat to get their idle bottoms of their seats and into gear.

X willow

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Hahaha!

 

The first CAG wedding... fantastic!

 

Getting back to *ahem* matters in hand I have just spoken to Thames Valley Police (groan).

 

They will not give me a crime reference number as they have said it's a civil matter and not a criminal matter. They have said that this is because I have given them permission in the past and that I am having dealings with them with regard to the debt itself.

 

They suggested (haha!!) that I go to CAB.

 

I am going to write to everyone you have said above and see what happens.

 

I am having nothing to do with CSL from now on, I know that much!

 

It sounds like theft to me. Taking someone's property (your money) with the intention of permanantly depriving you of it is theft as defined under the Theft Act. If the DCA used your signature to obtain unauthorised funds, they may be guilty of obtaining a pecuniary advantage by deception. The plod are just too damned lazy to act. They'd rather be out writing speeding tickets.

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Good idea to try the IPCC. Can't let the Police fob people off like this.

 

Reporting it to the Police and them saying there is nothing they can do about it is correct. Ever since the new Fraud Act 2006 was introduced it is no longer a concern of the police. But hey I'm all for complaining about the fuzz..just don't expect much back from it thats all!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Will my bank do this automatically then??

 

Well the onus is on them to report it, whether they do or not is a completely different thing!

 

I use a pin for my transactions, haven't signed for anything in years.

 

Then that clearly points to a fraudulent transaction, you did not give them permission to use your card on that date at that time to withdraw money from your account.

I would freeze all future payments to this DCA until this is resolved, you must complain to the FOS online our complaints procedure and how to complain there is even a phone number you can ring to complain to them.

Consumer Direct is also worth a mention, I have found them to be very useful over the phone, with very good advice as to your next course of action, plus, they will automatically forward your complaint to Trading Standards, who in turn will investigate the DCA.:D

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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I don't think anyone else has suggested this yet? Call the Financial Ombudsman and they will give you a reference number. Bcard took money out of my account as an offset because they had my debit card details from a previous payment. They paid it back as soon as they knew I had made a formal complaint.

 

If you phone your bank they say that you have authorised payments in the past to X company so they have to pay them if they make subsequent "raids" on your account.

 

Sadly, that wasn't the only time this happened to me. Goldfish once paid someone on an expired card, and then said that because I had given permission in the past to that particular company they were entitled to use the number again for another payment at any time in the future, even if the card was out of date. Goldfish -again - when they were owned by Centrica gave money from my account to British Gas to pay a disputed bill - and British Gas were (and may still be) owned by Centrica. I had authorised the undisputed figure and was quite clear that I was only authorising that figure. When I called Goldfish to complain about another £40-odd being taken and asked them to take the matter up with British Gas they refused to have anything to do with it - and it was only afterwards I realized they were part of the same group.

 

And people talk about the morality of any of us challenging our credit agreements.

 

DD

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That is a good idea DD - perhaps if we had thought of involving the FO when LTSB did the same thing to us things would have been different. But then we might have paid LTSB back like good little people instead of telling them to get stuffed:D

 

Banks and morality do not belong in the same sentence.:mad:

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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All this talk of fraud, theft and criminal activity is just stupid. If you think the Police are going to take the complaint seriously and do anything about it, or that a bank is going to pursue legal action or that anyone will get involved you're living on another planet.

 

The simple fact is that even if someone did take action against them they will just say that you'd given your card details and they were of the belief you had authorised regular payments. There is just now ay you could prove any criminal or illegal activity.

 

All you should be worried about is getting the payment back. If the bank have refunded it, let it go - you're just causing yourself more effort and worry with no chance of getting anything back from it. If they haven't repaid it, keep on at the bank and if they still don't repay it make the complaints against the bank.

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