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    • Looking for some advice, back in 2015 I bought a ee sim card for data not a mobile phone and it was not on a contract it was a monthly thing where as I understood I paid £20 and had 20gb of data to use.   I stopped topping up after 2 months and the data stopped, after applying for a c/c I was refused and my bank account was cancelled and I was told to check CIFAS file and was shocked to find   First party fraud - (Opening an account or other facility for a fraudulent purpose or the fraudulent misuse of an account or facility;or taking out an insurance policy for a fraudulent purpose or the fraudulent misuseof an insurance policy and/or insurance policy documentation)   Which looks like they are saying I opened my bank account to commit fraud, I had the bank account 7 years before.   So any ideas how I go about getting this removed
    • The SRA should take action but they dont and I think one of the reasons is the lack of court cases to show  malfeasance.
    • I am a bristol energy customer and last month my payment was incorrectly entered as being £xx.72 instead of £xx.73 so the extra penny was added to this month's bill to correct the error. A day after I got the new bill their debt collection people are on the phonme to me demanding I pay my arrears. Now ignoring the fact that it was only 1p for a moment it had already been agreed that the shortfall be commuted to the new bill so why on earth was it then sent to the debt management department? When I spoke to the apologetic member of staff there- not the person who phoned me, I wouldnt entertain giving them personal details over the phone to a cold caller- I popinted out that it would have cost them a minimum of £4.40 at minimum wage to go through with this charade. Do the people who are tasked to harass people not nother to read what is in front of them or do thay as it was intimated just grab a bundle of computer printouts and get phoning people and then have to work on the fly when they get caught out. I think I know the answer but their superiors should be held to account for placing their lower paid people in an invidious position and stop making them look stupid.
    • should the oc have paid the refund to me? by the sounds of it, the balance continues, only just unenforceable. i would have thought the bal would have been written off?
    • can't see a wayout here sadly.   if all is true and you went through a broker and he did all they claim and you laterly signed and returned stuff..   up creek with no paddle are you IMHO.   bit cheeky on all the fees mind!  
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    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
      I’m so stressed,
      can u appeal this or should I just accept it?
      Thanks for reading 
      • 16 replies

Mate has just got a payday loan

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Hi guys, girls


Recently my flatmate got a payday loan out from a company called 24 7 moneybox. I think it was something like £100 something like that. Anyway he just can't be arsed to pay it so he was wondering what will happen? They were sending him emails saying that they couldnt deduct the repayment from his bank because of insufficient funds in his account (not much wonder seeing as though he is on the dole and skint) anyway the emails have seemed to stop and we've not had any letters to our address from 24 7 moneybox. What further action will they take? A DCA? We was in the pub the other sunday and someone mentioned they could take him to court for fraud? What will happen because as of now weve heard nothing?



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if he said he was working and he was not when he took the loan out then yes this is fraud which is proably a criminal offence whereas not paying a debt is a civil offence.the people on this forum want to pay there debts off at an amount they can afford to pay. they are not on here to find out how they can get away without paying :mad2:


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Well on a practical level it is not enough to enable them to bankrupt him, but it sounds like he would not care anyway. Don't these types of loan have a huge rate of interest? Also it sounds like he'll be getting bank charges for bounced payments, it won't take many of those to swallow up £65.00 per week JSA.


I think it's more a case of what he intends to do.

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Recently my flatmate got a payday loan out from a company called 24 7 moneybox. I think it was something like £100 something like that. Anyway he just can't be arsed to pay it so he was wondering what will happen? /QUOTE]

With a little bit of luck he'll grow up, or begin to take responsibility for his immature actions, if they don't harass him to death and threaten him with some immature nonsense which scares the pair of you, maybe you will both find another teen website to discuss irrelevant nonsense on?

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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