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    • Many thanks for those helpful comments. I have done a revised draft - not sure that Point 2 re signage is expressed very well. Still looking for more ammo on POFA Section 4. Does this look a bit tidier?  DRAFT DEFENCE.docx
    • If you’ve handed in your notice : what help do you want / expect?. You’ve handed in your notice & not raised a grievance .... that is the wrong way around. Now you’d have to prove constructive dismissal, and (if you hand in your notice rather than pursue the grievance route first) that is a high bar to meet.   How long have you been employed there?
    • Thank you so much for heads up.
    • Thanks DX - I wondered about the blacked out bits. That's their doing not mine obviously.   Attached is the exhibits part of the bundle. Sorry about this, no matter what I compressed the whole thing down to I got the oversize message, even if the filesize on my computer was showing as well under 4.8mb   The_exhibits-compressed.pdf
    • Thanks Bankfodder!   Hello again everyone.    I received my SAR back from Elderbridge and what and absolute load of **** it is!   1.  They did not send any transcripts or recordings of any phones calls  - both myself and my husband spoke to them in Aug 2016 (noted in their diary notes) and I called them in Dec 2018 (again noted in their diary notes) it was the same day they sent the reply even though they have mentioned me calling in their notes on that day, so not sure I should let that go or not!   I also spoke to them in July 2016 (again in the notes) and I spoke to them in Dec 2012 (again in the notes)    2.  Going through the diary notes in the beginning notes were sporadic mainly because we were making payment and everything was ok, then later as things changed there were notes almost once a month, then in NOV 2012 and Dec 2012 frequency of notes increase as this is when they began court proceedings.  and throughout 2013 again lots of notes made - mostly their in house stuff about court dealings and so on - so that's fine. then in NOV 2013 hey made a not re the court date in OCT - saying that they were ordered to treat the loan as having a fixed rate from inception and sent off etc.  BUT from 21 Nov 2013 to 17th June 2014 there are no notes at all!  Now the hearing was on the 10th Jan 2014!   17/06/2014 14:43 *****Substantial EVS costs to be added to any SF ****** 17/06/2014 14:43 EVS Defended + At the hearing on 10/01/2014 an SPO for 500 on 26/01/2014 and then CMI + £60 wef 26/02/2014 plus MJ for £103,331.03 suspended on the same terms. It was also held that we could add our costs - Defended costs on this case are £33,879.80. 17/06/2014 00:00 Reviewed Reviewed 17/06/2014 00:00 ***Defended Costs*****:To be added to any SF ***Defended Costs*****:To be added to any SF 21/11/2013 04:13 ADHOC Statement Printed From 03/10/13 To 13/11/13 Batch 2015 Sequence 28 Printed 13/11/2013 00:00:00   Above you can cleary see the gap then suddenly the first notes talk about the court case and costs etc, at the trial in OCT the judge reserved cost till the next hearing (also stated on the documentation from the court)  but then at that hearing in Jan 2014 we did not discuss costs - the 6 month gap I feel is very suspicious.    The final court document  dated 13th Jan 2014 says to pay the claimant £103,331.03 which is the amount outstanding under the mortgage and goes on to says order were not to be enforced as long as we pay etc.  no mention of costs at all - so they seem to just be adding them   3.   They sent a field agent to me in Jan 2018, I only knew this as on the 9th Jan 2018 I was working at home and heard the letterbox, thought it was the postman, went to the door to find an envelope shoved through the door with a letter in it saying they had been requested to visit me and that they called today but I was not in! and gave a number for me to call ( I saw the woman walking down the driveway - but she did not ring the bell! and I wasn't about to run after her!)   But in the notes they have written this utter lie!   30/01/2018 12:44 Field Agent Report Received The field agent visited the security address on three occasions. The customer was spoken to through the window. They refused to discuss and refused to answer the door. The contact number on file is not recognised. RFA - Not known Reasons for items not verified:N/A Details of variances of items outside of expenditure guidelines and reasons N/A Property is a detached house in good condation valued at £406,000. Equity not known. I actually cannot believe what I have read here! Can I ask them for some kind of proof of this, because I don't know who they are talking about but it certainly wasn't me!   4.  the documents they had sent me a joke, they have sent 77 documents in total, none of these are copies of letter from Elderbridge (which is who I sent the SAR to) all from First Plus and certainly not ALL of them, they have been bulked out by sending me copies of documents that I sent TO THEM for my court defence and there are strange Black boxes over some of the text!? which I don't understand!     After receiving this info from Elderbridge I decided to send a SAR to Barclays and I got a small package with a couple of letters, some diary notes and screen shot of the account, as well as a short statement of account. This was for our ORIGINAL loan from Feb 2006,  (we topped it up in June 2006) and the first one was closed.  The second one is the one that has been transferred to Elderbridge but Barclays seem to know be denying ALL knowledge of it! and I know that they still hold the beneficial interest of these loans and that Elderbridge regularly contact Barclays for help and advise - I have contact with other account holders who have diary notes from Elderbridge showing contact to Barclays!..   This week I also had a reply from the FOS (only from an adjudicator not an ombudsman) and his initial opion is that it's ok for Elderbridge to claim the costs as we defaulted, he seems to be ignoring my argument that the relationship is unfair etc but I will be sending this back and asking for it to be looked at by an ombudsman.   But was hoping that someone here could give me any advise re all of this - sorry I know it's a lot!!
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Akasha8uk

Payday Express - Emptied my Account

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I have just checked my account and found £8 left of my £1K wage. I rang my bank and found payday express had withdrawn £375!

 

I owe PE £450 i have an agreement that i repay £50 pm for the next 8 months, this is now month 3. Last month they took out an extra £12.50 and they refunded it 6 days after i flagged it but this really takes the biscuit they have wiped my account!! how am i to feed my kids and get to work with £8.93??

 

I am soo tired of the taking whatever amount they wish, they took out 8 lots of £12.50 and then a whopping £275 all in one day, how is this legal???

 

What can i do, im unable to wait 6 days for a refund. And i can't do this every month, why are they so incapable of taking £50 from my account pm as agreed.

 

Does anyone have any advice? I will be calling them first thing in the morning as their offices are closed this evening but found a number with a voicemail and left them a message.

 

PLEASE HELP!!:-x


Lloyds Credit card - £6K - PPI and interest refunded - £1200 remain F&F sent & accepted £360

Lloyds Overdraft - £620 - charges & interest refunded - £188.10 remain F&F sent & accepted £56

Black Horse loan - £10K - £2879 remain - F&F sent and rejected - CCA sent 3/6/13 deadline

Orange - £128 - £39 remain although CRA file states £11

Orange - £132 - £51.06 remain although CRA file states £45

 

Next stage F&F's to be sent - a step closer to being debt free

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It is NOT legal for them to do this, get onto the bank and get them to reverse the money. Use the chargeback mechanism.

 

Complain also to the OFT and Trading Standards

 

http://www.consumerdirect.gov.uk for the Office of Fair Trading, they are doing an in depth investigation and would like your story

http://www.tradingstandards.gov.uk for Trading Standards

 

You could also contact the Daily Mail who have been running stories on Payday loan companies, they would love this story.

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Don't call Payday Express - only communicate in writing so you have written proof which could be invaluable

Get new bank account (only way to prevent any further raids)

Request bank details for PDE and you pay them in future - Do not give debit card details

worse case - you can walkin and pay cash at your nearest Money Shop for Payday Express payments if you need to make future payments which is what may happen, should you claw money back from your bank

Report away to all and sundry

Edited by asmilecostsnothing
add

Happy to share my experience but for your own protection, please check and double check what myself and other Caggers inform

...

“Nothing in this world can take the place of persistence.”

 

:-)

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The bank claim they are unable to dispute the transactions because payday express are registered with the fsa.

I need the money back into my account asap but it took them 6 days last time and I cannot wait that long


Lloyds Credit card - £6K - PPI and interest refunded - £1200 remain F&F sent & accepted £360

Lloyds Overdraft - £620 - charges & interest refunded - £188.10 remain F&F sent & accepted £56

Black Horse loan - £10K - £2879 remain - F&F sent and rejected - CCA sent 3/6/13 deadline

Orange - £128 - £39 remain although CRA file states £11

Orange - £132 - £51.06 remain although CRA file states £45

 

Next stage F&F's to be sent - a step closer to being debt free

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Be really strong and firm with the bank, ask and make sure you speaking to someone senior (say you could take them the bank to the FOS as a complaint)

Can you approach a credit union? or ask employer for a small advance on next months salary to get you through

 

If it worked before then get hold of PDE tomorrow, perhaps their systems have failed them

please try and get everything that happens in writing

 

x


Happy to share my experience but for your own protection, please check and double check what myself and other Caggers inform

...

“Nothing in this world can take the place of persistence.”

 

:-)

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Thank you soo much for your help, i really wished they had answered their phones this evening I am furious!

 

I will keep you informaed.

 

Thanks again x


Lloyds Credit card - £6K - PPI and interest refunded - £1200 remain F&F sent & accepted £360

Lloyds Overdraft - £620 - charges & interest refunded - £188.10 remain F&F sent & accepted £56

Black Horse loan - £10K - £2879 remain - F&F sent and rejected - CCA sent 3/6/13 deadline

Orange - £128 - £39 remain although CRA file states £11

Orange - £132 - £51.06 remain although CRA file states £45

 

Next stage F&F's to be sent - a step closer to being debt free

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Who do you bank with ?


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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barclays, he told me to contact payday express if i get not further then to ring trading standard and report my issues to the FSA but i need the money back now not 12 weeks down the line.


Lloyds Credit card - £6K - PPI and interest refunded - £1200 remain F&F sent & accepted £360

Lloyds Overdraft - £620 - charges & interest refunded - £188.10 remain F&F sent & accepted £56

Black Horse loan - £10K - £2879 remain - F&F sent and rejected - CCA sent 3/6/13 deadline

Orange - £128 - £39 remain although CRA file states £11

Orange - £132 - £51.06 remain although CRA file states £45

 

Next stage F&F's to be sent - a step closer to being debt free

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rubbish do a chargeback

 

http://whatconsumer.co.uk/visa-debit-chargeback/

 

barclays are well aware what it is

 

DEMAND it - dont give up till you get it.

 

what garbage about FSA are they going on about - nothing to do with them at all!!

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Good news!!!

I rang payday express and actually spoke to an ok person

he advised me to go to their sister company "the money shop" with a bank statement which clearly shows there was enough money in the account to cover the £50.

 

Their excuse for taking out £375 from my account was that barclays denied their payments

so PE thought this was due to insufficient funds or/and they thought I broke my agreement

and thought hell we'll just take the lot instead!

 

i managed to get £300 back in cash from Money Shop

but PE are disputing the other £25 which I am happy to wait

and dispute by writing only and to of course arrange another way of paying as the debit card route is certainly not working.

 

many thanks for all your help!!


Lloyds Credit card - £6K - PPI and interest refunded - £1200 remain F&F sent & accepted £360

Lloyds Overdraft - £620 - charges & interest refunded - £188.10 remain F&F sent & accepted £56

Black Horse loan - £10K - £2879 remain - F&F sent and rejected - CCA sent 3/6/13 deadline

Orange - £128 - £39 remain although CRA file states £11

Orange - £132 - £51.06 remain although CRA file states £45

 

Next stage F&F's to be sent - a step closer to being debt free

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Don't forget to complain about this behaviour - even though you got a resolution THEY breached an agreement

 

http://www.consumerdirect.gov.uk for the OFT who are investigating payday loans

http://www.tradingstandards.gov.uk for Trading Standards

 

Your complaint could tip the balance.

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Great news ! chuffed for you. Yeah I always found the men at PDE way, way better to speak to ever then any of the women... just follow it up in writing Moneyshop it on future payments or I have their bank details back in one my postings on this section for Payday Express (posted Dec 2011 time) which you could check thats still correct and use x

Edited by asmilecostsnothing

Happy to share my experience but for your own protection, please check and double check what myself and other Caggers inform

...

“Nothing in this world can take the place of persistence.”

 

:-)

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I have the bank details but I'm afraid they will still take the debit card payment as well as the standing order

because they are either that stupid or arrogant but most probably both.

 

They are totally refusing to put the repyament plan in writing and actually was quite rude,

he even said he was unable to guarantee this cock up wouldn't happen again yey!!

 

I'm half through writing my letter of complaint which I will send to PE also copying in Trading Standards and FSA.

I've already reported PE to Consumer Direct.

I've also ordered a prepaid Visa card which I am going to use solely to pay PE so they canno go over the agreed amount.


Lloyds Credit card - £6K - PPI and interest refunded - £1200 remain F&F sent & accepted £360

Lloyds Overdraft - £620 - charges & interest refunded - £188.10 remain F&F sent & accepted £56

Black Horse loan - £10K - £2879 remain - F&F sent and rejected - CCA sent 3/6/13 deadline

Orange - £128 - £39 remain although CRA file states £11

Orange - £132 - £51.06 remain although CRA file states £45

 

Next stage F&F's to be sent - a step closer to being debt free

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Write a letter to your bank instructing them not make any payments to PE. They have to follow your written instructions as detailed in the FSA guide. If you can hand it in to the bank it would be best, otherwise sent it to them by recorded delivery.


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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i have just tried searching for PE on the FSA register and they aren't registered, what the hell was my bank talking about.

 

I have looked into stopping re-accuring debit payments and they all say the same thing to write to PE and formally ask to remove the recurring debit payments, but what happens if they refuse.

 

The bank has point blankly refused they say unless i ask PE first and provide evidence to the bank that i have requested payments to be stopped

and PE again refuse they can put the payments into dispute which can then involve VISA

and is a very lengthy process which is leaving it open for PE to continue to take what they please.

 

The really annoying part is i have honoured all repayments and will continue to do so

but i would like a little more security and go for a direct debit or a standing order,

 

i will sign a contract to say i will not default.


Lloyds Credit card - £6K - PPI and interest refunded - £1200 remain F&F sent & accepted £360

Lloyds Overdraft - £620 - charges & interest refunded - £188.10 remain F&F sent & accepted £56

Black Horse loan - £10K - £2879 remain - F&F sent and rejected - CCA sent 3/6/13 deadline

Orange - £128 - £39 remain although CRA file states £11

Orange - £132 - £51.06 remain although CRA file states £45

 

Next stage F&F's to be sent - a step closer to being debt free

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Why don't you setup a standing order (only) for Payday Express? as you have their bank details to do so write and confirm that to them.

 

Are you in a position to change banks because this is another option - this way at least they just won't then have live debit card details - end of problem

 

Failing all this, check out your nearest Credit Union because I didn't realise some can provide pre-payment cards to use (and I bet it will be much cheaper then ordering one through an online service)


Happy to share my experience but for your own protection, please check and double check what myself and other Caggers inform

...

“Nothing in this world can take the place of persistence.”

 

:-)

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its funny you say that i have just applied for a pre paid debit card think im going to give payday express this card so they don't take my family budget account.

 

I can't thank you enough for your help, i love this site and the people who are so willing to help another person out x

 

I'll keep you posted x


Lloyds Credit card - £6K - PPI and interest refunded - £1200 remain F&F sent & accepted £360

Lloyds Overdraft - £620 - charges & interest refunded - £188.10 remain F&F sent & accepted £56

Black Horse loan - £10K - £2879 remain - F&F sent and rejected - CCA sent 3/6/13 deadline

Orange - £128 - £39 remain although CRA file states £11

Orange - £132 - £51.06 remain although CRA file states £45

 

Next stage F&F's to be sent - a step closer to being debt free

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Get a letter sent to your bank instructing them not to make payments to PE - they have to comply. All you need to say is

Dear Sirs, Account No:XXXXXX

"Please act upon my instruction not to make any payments from my account to Payday Express effective 3rd February 2012".

 

Signed XXXXX


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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hello have u cancelled ur card with the bank say its lost and ul get a replacement otherwise they will again raid ur account and cancel any direct debits asap:whoo::x:-x


:violin::ban::lock1::bump::clock:

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sorry but the bank that says they wont stop it you must name and shame

 

its YOUR MONEY

 

you tell them what they can/cannot do with it!!

 

disgusting and TOTALLY against the bank code

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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letter typed up and sent via recorded delivery to BARCLAYS bank stating they MUST stop all debit card transactions to Payday Express due to unauthorised transactions on my account. Also letter done and sent via recorded delivery to Payday Express with an extract i enjoyed writing: I would like to make you aware I have sent a copy of this letter to Trading Standards and FSA. Please be aware of the complaint procedure time guidelines. If these instructions are ignored I will be forwarding my complaint to the Financial Ombudsman.


Lloyds Credit card - £6K - PPI and interest refunded - £1200 remain F&F sent & accepted £360

Lloyds Overdraft - £620 - charges & interest refunded - £188.10 remain F&F sent & accepted £56

Black Horse loan - £10K - £2879 remain - F&F sent and rejected - CCA sent 3/6/13 deadline

Orange - £128 - £39 remain although CRA file states £11

Orange - £132 - £51.06 remain although CRA file states £45

 

Next stage F&F's to be sent - a step closer to being debt free

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