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Cheque Book Loans / Debit Card Loans nightmare!


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Back in August these cowboys set up a standing order (this one I had signed), but when I realised what they were trying to do I cancelled it - they tried to take £300!

 

I have a payment arrangement in place and I am paying them weekly.

 

They have now tried to set up the SAME S/O for the 30th Sept with another payment of £300 - which I have just cancelled.

 

I have spoken with NatWest and they cannot do anything about this as apparently Standing Orders DO NOT have to have a wet signature they can be emailed or faxed!

 

So they can keep sending the same S/O again, and again and again!!!!!

 

NatWest did however say that what they are doing is illegal so if anyone has a letter template or somewhere where I could write to help put these bar stewards to rot, then I am more than happy to send it!

 

Thanks LL

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Hi, you should also write to Natwest (by recorded delivery) telling them that you have not given instruction to that company to set up a standing order and that under no circumstances should they act on any SO they may send to the bank.

 

In your letter to CBL/DCL (again by recorded delivery) you should state that, as you already have a payment arrangement in place, you have given written instruction to your bank not to act on any SO that they try to set up and that you will be reporting their actions to Trading Standards.

 

Ell-enn

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a marker can be put on your BANK account

if any payday loan company try to set up a dd

standing order etc

 

the bank will send you the paperwork first

 

you in person will then have to pop into the bank to action it

 

ive had my fill in the past on these pay day companies

 

dont take any crap from your bank

 

ELL-ENN

 

ANY CHANCE OF A LOOK IN

 

UP YOUR STREET

http://www.consumeractiongroup.co.uk/forum/repossessions/222704-hounded-after-12-years.html

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Thanks for the info, I am going to put in a complaint with the bank.

 

I have also sent this company a snot-o-gram and informed them that they are carrying out illegal processes etc., not that they will take any notice whatsoever!

 

I will also put this in writing to them RD:mad:

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See my thread. Some good info there.

 

http://www.consumeractiongroup.co.uk/forum/payday-loans/213647-debit-card-loans-taking.html

 

Will post my draft letter I sent to them shortly.

 

I have also written to the Financial Ombudsman but are still waiting to get a reply, I suggest you write to them also, the more people who do the better.

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2nd Letter went something like...............................................................

14 July 2009

To whom it may concern:

Thank you for your letter dated 8th July 2009, the comments of which have been noted.

As you are aware I wrote to you on 17th February 2009, disputing the amount owed and complaining regarding the fact you have been trying to set up fraudulent standing orders on my current account with Barclays Bank PLC.

I understand that under the Consumer Credit Act 1974, as the debt is in dispute it is unenforceable, and would welcome you to attempt to take me to court. This would give me the opportunity to explain to the court exactly what you have done in pursuit of this debt including the criminal activity of attempting to set up a standing order without my knowledge. To which I still have a number of pieces of evidence.

I am still considering whether to make a complaint with the police, as I have spoken to my solicitor who said it may be possible for me to bring charges not only against the company, but also the employee who filled out the fraudulent standing order mandate.

Furthermore, as you are aware I have lodged my complaint with the Financial Ombudsman regarding your pursuit of this debt and fraudulent activity, who have written to you, requesting you respond to me in writing to which I have heard nothing. I will be forwarding your correspondence on to them.

As I stated in my previous letter and to the Financial Ombudsman I am now seeking financial compensation from YOU due to the underhand tactics you have displayed in pursuit of this debt.

 

I look forward to your reply.

 

Yours faithfully

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  • 3 weeks later...

I got home last night and received one of their letters about threats and bailiffs etc., this duly got ripped up and went in the bin!

 

Funnily enough this SO has prompted a letter from NatWest thanking me for setting this up! Given I have set up loads of SO I have never ever received a confirmation letter from NW until this one arrived - they will soooooo be getting a snot o gram reply!

 

Am tempted to move my account as well, had a £10 charge on my account for a stopped cheque today, turns out it was in error!!!

 

Do these guys actually know the ar*e from their elbow? I think not!

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Due to these cowboys attempting to take £300 from my account from a fraudulently set up SO, I am now incurring charges in excess of £100!

 

I have printed off the charges statement from my bank and emailed Debit Card Loans with the details telling them I am taking this off the balance - let's see what they say about that then!!! :mad:

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Hi Looby

 

Good luck, I can guess their response :)

 

These lot are the biggest chancers going. Your bank must be one of the few that doesn't refer these SO to their fraud dept. They look that 'dodgy'

 

The trouble is that when these docs are successful they can get your cash the same day they hand the form to the bank :eek:

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Well luckily I set up a SO for an account I do not use, so there is always minimal amount in this account LOL!!

 

They have just called me at work after receiving my email saying she is TRACY from NATWEST!!!! How dare she say this surely that must be a claim in itself????

 

I told her that she wasnt allowed to say she was from NATWEST and she said "I didnt think you would want us calling you at work saying we were a loan company"!!! FLAMING CHEEK!!!! :mad:

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This is their reply - help in responded would be appreciated as my reply won't be polite!!......When the loan was taken out with us you signed 3 forms one which was a standing order mandate which you signed and left blank, also an authorisation form was signed by youself. The authorisation form clearly states if you default in any of your payment we can clear your account with any methods you have made avaiable to us. The first method would be your debit card and the second is a standing order mandate.

The balance on your account is XXX Plus charges, we have received 3 payments of £5 a month from yourself via standing order however this isnt a payment we would be able to accept without a financial statement.

They will continue to try to clear your account and if you are occuring charges unfortunately there is nothing we can do about this as your account is still in serious default. We have been trying to contact you. We have tryed to contact on your mobile and home telephone number also have sent you letters.

We need to sort your account urgently.

Many Thanks

 

Well my reply would be something along the lines of:

 

Firstly, how DARE you call me at work and secondly, how dare you impersonate someone from NatWest when you are clearly NOT calling from said company.

 

I would also like to state that I did NOT signed endless copies of a standing order form and having spoken to my bank, they have said that only ONE standing order can be used/presented, given that I have confirmed to my bank that I have only ever signed ONE which was presented and stopped at the end of August. You cannot continue to present the same SO month after month when there has not been a newly signed SO.

 

Ok so something along those lines, so any further comments greatly appreciated, thanks

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Good stuff Looby

 

Watch them like hawks, they can set up the standing order same day they want the cash and before you can stop it.

 

I bet you never checked your account so often before getting in with these companies ;)

 

I changed banks, great weight off my mind :)

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The account they are trying to take the money out of has £20 max in at anyone time as that is not my salary account, you see I wasnt that stupid when taking out the loan..... I sent them this today...

 

Balance owed £300.

 

Minus charges of £38.00 ; £35.00; £28.00; as per my recent emailing

showing you the charges I am receiving because you tried to take £300

from my account!

 

This leaves a balance of £161 (£300 original loan minus £139 in

charges).

 

Minus payments:

 

19/08 - £5.00

04/09 - £5.00

05/10 - £5.00

19/10 - £5.00

 

This therefore leaves a balance of £141.00 - this will be paid £5 two

weekly until cleared.

 

If you attempt a further standing order and I incurr further charges,

this will be deducted from the original balance owed.

 

What I don't understand is WHY are you attempting to take £300 from my

account when I do not owe that!

 

DO NOT try and call me at work and pretend you are someone else as you

will not be put through - I have already received a warning about

having personal calls at work and this will not be tolerated

 

Yours faithfully

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This was their reply...............

 

We will not be responsible for any charges from your bank. As stated in my email below, the standing order you have signed is a method you have made available to us.

 

We are not willing to accept £5 every two weeks, unless you contact us before close of business tomorrow which is 5pm with a reasonable offer we can accept court proceedings will commence.

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Hi, you should reply to them saying you will be happy to let a judge look over your agreement to consider the Unfair Terms and Conditions in consumer credit agreements, together with their fraudulent bank mandates and written evidence from your bank, which will be produced in court.

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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hI THERE ALL

 

I have a loan with this company- I had never signed an agreement with my details or bank details on , and they even had my pay date inciorrect on their system, and my address details. They then sent me threatening letters wanting hundreds of pounds, although they attrempted to take the payment on the wrong day, and when I finally had enuff and tolsd them that they didnt even have a signed agreement, they said they didnt need one and that it wasnt legally required. I was then told on the phone that they would send out a new one immediately and would I sign that one!! I didnt and wonder whther I should be bothering to pay back this company whatsoever?? Please help:(

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  • 2 months later...

Hi Guys,

 

Can someone help please. I have been reading the comments on this company and have fallen victim to them as well.

 

They took 800 pounds from my account today through the form of an SO, this is something I was completely unaware of and so was very shocked. I know I defaulted on my repayment but was going to repay this month however they have charged 600 for one late payment. Seems a little steep.

 

Also, I didnt sign a SO Mandate when I took the loan out - the advisor told me to leave it blank. I spoke with Natwest this morning who confirmed the signature on the SO was similar however not exact.

 

I have reported this as Fraud with Natwest and requested my money back because I am now financially screwed for another month having spent the last three sorting my finances out and making an effort to ensure my debts are paid in full each month. Is there anything else I can do?

 

Any help or advice would be really appreciated. I think this is completely illegal as I have had no prior advice of the SO being set up against my account for such a huge amount nor did I sign the SO mandate.

 

Thanks

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