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    • its better you put letters up as a PDF please  read upload that way you have to be a member to download them and we can see if the enemy are looking at your thread.   but anyway yes ofcourse you ignore that its nothing more than a threat-o-gram.   I could recommend a washing powder to my wife if she buys it or even listens to me is a totally different matter
    • retitled and moved to the HFC forum plenty of like stories to read here.
    • Hello everyone. Another letter for IDRww today. I have attached it. Please could someone put my mind at ease or advise? From all your advise before- I assume I still ignore. They are saying they are now going to advise their client to refer to solicitors.  Thank you Lou
    • Hi all    Long story short, I am South African living in the UK for the past 6 years. Roughly 4 years ago, I went to Thailand for a 3 month holiday. That was cut short due to O2 taking money out my account including clearing out my overdraft, roughly £2200. At the time I had no idea it was O2. I thought I had been robbed. Any way turns out, there is a overseas tariff for using your contract overseas?! I never knew about this, nor was I told or sent any updates regarding my usage in Thailand. The total bill they say was £8000 and some change!!!!! I cancelled my contract, with immediate affect and said I was not going to pay this. They then sold there debt to Lowell's. I have asked for a CCA, unfortunately I did it by email! Not sure it's still valid if it's done by email? I got a response saying, they received my email but unfortunately they need me to send my name address etc. Which I refused as worried it would make me look like I acknowledged the debt! Since then I have heard nothing, until today. I got a letter of pre legal assessment. Now the question/questions are. What do I do? Do I send a written letter requesting the CCA again or do I not? Worried if I ask again then this will give them more time to acquire the CCA request. I need this out of my life, as I am wanting to buy a business next year. I am worried as it's reflecting on my credit score. This has been a nightmare. Any help would be greatly appreciated. 
    • stop paying  they'll never get an enforceable agreement back for a MBNA HFC GM card of that era they were all shredded in the late 90's when PPI reclaiming really took off.   have you checked theres no PPI on your card? as I bet there was..
  • Our picks

    • Future Comms is a Big Con. How to get out of it. Read more at https://www.consumeractiongroup.co.uk/topic/417058-future-comms-is-a-big-con-how-to-get-out-of-it/
        • Like
      • 4 replies
    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 5 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies

Gemster vs RBS - weird one ? HELP !

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My husband and I run a company. This Feb we went to switch the Business Account from HSBC (boo) to RBS, we also asked at the time to have a £15,000 Business Loan to help launch a new product. We filled in the application forms for a new account and loan, etc and waited and waited and waited. I received a call from the person I was dealing with in branch and they said it had flown through. Yes! we though and ordered a new website and put stuff in motion for our launch. We signed personal guarantees (any help with these also - my parents got stung by these not long ago and had to pay put £70,000) for £15,000 (oops). We heard nothing. By this point due to commitment from the things we started we got into real trouble with HSBC (unfair charges claim going through now - thank you!) both personally and business wise. This wrecked our credit scoring completely!. RBS rang and said they had lost all the application forms and could we come in again, we were really worried at this point because any credit check (this was now June) would look really bad. Sure enough they rang me and said the loan couldn't be put through and they couldn't open an account forus.


We had been into HSBC to try and ask for help to get us through this time and a long story short on them, they have admitted negliance and we are going to try and seek compensation - no idea how - help here as well please.


I rang RBS back in cold fury and asked for all our info to be returned and the personal guarantees to be destroyed. We had some of our stuff back, they have lost some of our business card statements and receipts completely and she said the personal guarantees would be destroyed.


We then wrote to RBS again claiming negligance against us for losing our application forms, etc. They rang back and said we could have the loan, which we ha deposited in our HSBC business account. We did not sign any further documents for this loan, we have not seen a loan agreement we were just told to deposit £196.08 every month in this 'holding account' they had set up. We don't know how long the loan is for, what the apr is, anything. I had a statement from the holding account the other day and I notice that the loan is mine and my husbands personal names and I'm really worried, we will be trying to get our first mortgage soon and already have an unsecured consolidation loan for £20,000 with HSBC and am worried this will affect our ability to get a mortgage.


Does anyone think we can get out of this loan? - I read on someone else's thread that if the lender can't supply an original signed document in 12 days it is unenforceable?


Also due to the length of time this took to sort out and the trouble with HSBC too, this money came in too late to save the Business and we having to close the company. I have a personal guarantee with HSBC for £7500 - do you think I could get out of this as they have admitted negligence.


Sorry so long







HSBC - Owed £1315, settled at £1150 - 08/06

First National Tricity Fiance - Owed - not sure ? DPL sent 20/09/06

Alliance & Leicester - Owed £595 - Moneyclaim started 20/09/06

HSBC for Dad - Owed £1500 - Moneyclaim started 20/09/06

Capital One - Owed £495, Settlement Rejected £195, LBA sent 12/09/06

Barclays for Dad - Owed £3200, LBA sent 12/09/06

SPML & Blemain Finance for Mum & Dad - Awaiting Statements could be huge !



Failure is not an option ! - NASA

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Right, im sorry i can't be much help but i may be able to help you locate things you will need to chase this. You need to contact some credit agencies and for two pounds you need to view your credit file and see what is on file for you to see if there are any errors on here you will find these at Your Credit Report Help Centre, from Experian UK and then for Equifax its at https://www.econsumer.equifax.co.uk/consumer/uk/sitepage.ehtml?forward=gb_elearning_credit14 i think you will then need to send in a Consumer Credit Act Request to the bank asking for all information on this that they hold on you. Other people will come in here and help you further. Cheers. Good Luck.

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"


My advice is only my opinion, I am not a legal expert.



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