Jump to content
  • Tweets

  • Posts

    • Thank you BankFodder    Please can Andyorch advise me how to make the application and what to attach I will send this off tomorrow after 3pm, I can post up the final version here of what I need to send and send this on Monday if I know what I am required to do and what I now need to send to the Court to deal with this matter fully   Thank you so much to you both
    • I think you should probably follow the approach suggested by @Andyorch who is probably more up-to-date on these things and I am
    • Hi, we have managed to agree terms with this creditor, thankfully and finally.   Now we face another problem...my husband was declared bankrupt in 2018 by another creditor. Long story short, it's now in the hands of a trustee.  They have apparently completed a driveby valuation which is higher than the first creditor mentioned previously so the trustee believes there is more equity for them to take.  Our property is leasehold with a 54 year lease so tricky to value.  We made an offer based on the first creditors valuation which was rejected by the trustee because, guess what, their valuation stands. So, I am now fighting again to save our home. Is there anything we can do to challenge the valuation and suggest the equity isn't as high as they think it is? Will a trustee be brutal enough to effectively push us into a homeless situation during a global pandemic because raising the funds they are seeking, is somewhat out of reach? Any help is gratefully received. Thank you.
    • Hi Andyrorch and BankFodder   I have just read up the posts, I am confused as to what to do, please can I be advised which route to go finally and how this is done, based on the advices to date.   I will be able to look into this tomorrow as I am off work most of the day tomorrow after 3pm   Thank you
  • Our picks

    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
      • 49 replies
    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
        • Thanks
      • 3 replies
    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
        • Thanks
        • Like

pounds2day transfering from bank without my permission


Please note that this topic has not had any new posts for the last 3094 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

I have had several payday loans in the past and have a repayment plan with some whilst others have not been so helpful and therefore no plan is in force as of yet.

 

I have changed my bank cards and everything seemed to be gong fine until yesterday.....between 8 and 10 a 'transfer' was made from the account I used to use which is a basic account and therefore on overdraft facilities and only has a basic debit card attached to it. I called the bank and they admitted it was strange, but I needed to call them today when their systems updated to find out who/what/where etc this transaction applied to.

 

Just called them and it is pounds2day that used a previous card to debit £5. After speaking to the visa team, they could only advise me to speak to them. I asked how they could use an old card, and they said it was possible if I signed up to this. She couldn't explain how this payment also was accepted when it took the account overdrawn

 

I only use this account now for direct debits and my wages still get paid into this account (I transfer it first thing in the morning and leave enough in to cover direct debits for the month) but I really don't want to call them.....

Link to post
Share on other sites

Report to the OFT (Office of Fair Trading)

Their able to sanction or give underlinings to companies that do this apparently, take money without authorisation/permission

just something I picked up from Watchdog last week :razz:

 

As for getting money back

 

- Demand chargeback

- Ask the company - in writing

- Issue a claim, if it is a significant figure

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.”

 

:-)

Link to post
Share on other sites

If it was a visa debit card, then dispute the transaction and claim a chargeback.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

Get transferred to the complaints department and get a full complaint in with the FSA. Banks like to think they are infallible but theyre really not. All they have to do is flag the transaction as a disputed one and start the visa chargeback process.

 

It also sounds like the PDL has used the old code but made up a transaction number to force it through. There are a lot of reports on these forums about multiple PDL's who do this to get around any CPA removals on the account. Mention this to your bank, as it would be considered a fraudulent transaction.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

I have submitted a complaint to my bank on 3 grounds...

 

1) the passing from different departments without anyone taking responsibility for the actual complaint

2) why a cancelled card was allowed to be used

3) why did they allow it to take me overdrawn on an account which can not have any overdraft

Link to post
Share on other sites

Stick with it. The bank will try a lot of things to shift the blame away from themselves. The only way for a PDL to get around a cancelled card is to create a fictitious transaction number, which as i said before is blatant fraud/theft, and the bank is complicit with this.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites
  • 3 weeks later...

Hi, new to this but here goes.. this has just happened to me in exactly the same way, but I closed the account and thought that was the end of it then lo and behold £5 went out of a different account with the same bank! Went through the same procedure again only to be told by fraud team at my bank that they paid it as the loan company had written to the bank saying I owed money so the fraud team paid it on my behalf from another account. When I argued this I was told in no uncertain terms that they have to pay it if the company prove to them I owe it and the FRAUD TEAM CAN TAKE IT FROM ANY ACCOUNT I have!! and because it is only a small amount they do not have to inform me they have done this. I argued that they are the custodians of my accounts and should not pay people from other account because the say I owe money, surely that is between me and the creditor. The fraud team said not to worry they did not disclose the details of this other account and it was safe, I argued its obviously NOT safe from you if you are going to pay people. Now I do not know what to think or do, if I close this 2nd account they will take it from my only remaining account!!

Link to post
Share on other sites

You need to contact the police for theft/fraud, contact the banks complaints department and also contact the FSA.

 

 

I think it was either sillygirl or an admin of this site that said, the best thing to do when getting another account is to go with a bank that isnt in the same group of companies. Banks are private companies and they seem to be breaking the law all over the place and getting away with it lately.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites
Hi, new to this but here goes.. this has just happened to me in exactly the same way, but I closed the account and thought that was the end of it then lo and behold £5 went out of a different account with the same bank! Went through the same procedure again only to be told by fraud team at my bank that they paid it as the loan company had written to the bank saying I owed money so the fraud team paid it on my behalf from another account. When I argued this I was told in no uncertain terms that they have to pay it if the company prove to them I owe it and the FRAUD TEAM CAN TAKE IT FROM ANY ACCOUNT I have!! and because it is only a small amount they do not have to inform me they have done this. I argued that they are the custodians of my accounts and should not pay people from other account because the say I owe money, surely that is between me and the creditor. The fraud team said not to worry they did not disclose the details of this other account and it was safe, I argued its obviously NOT safe from you if you are going to pay people. Now I do not know what to think or do, if I close this 2nd account they will take it from my only remaining account!!

 

Which bank is this ?

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.

Link to post
Share on other sites

Hi, it is RBS . The account they paid it from is already in unathorised overdraft which I am clearing on a payment plan and was supposed to be frozen now its gone up by another £5!

Link to post
Share on other sites

You need to inform your bank in writing not to make any payments from any account to pounds2payday, they must follow your written instructions.

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.

Link to post
Share on other sites

Hi Ell-en, thanks for that but does that still apply if its RBS own fraud team who is paying it by internal funds transfer because P2D can prove there is still a balance outstanding ?

Link to post
Share on other sites

Hi Barnside, yes it appears that the RBS fraud guy I spoke to said the PDL had been concerned enough to contact the bank and prove I owed money and after the fraud team had investigated they deemed there was no 'fraud' as I did owe money so under the continuous agreement authority I allegedly signed the bank have to pay the money, and as the orignal account and card it was attached to has been closed and cancelled the the fraud team can send a funds transfer from any account I have with them even if it is a joint one! I was flabbergasted to say the least and kept insisting that any money owed is between me and the creditor and the bank is responsible for taking care of my money not dishing out as they see fit but he was having none of it, basically he was saying I have no control over who they send my money to if 'they' can prove I owe it.

 

I am going to ring again tomorrow and have another go at sorting this out with RBS fraud and also call into my branch and hand in a request to stop P2D being paid as Ell-enn suggested.

Link to post
Share on other sites

I wish you all the best with this but I've had exactly the same thing with Halifax and they simply refuse to:

 

a) Even investigate the possibility of fraud - as soon as the words "The Money Shop" are used they turn off. It's like PDL companies have carte blanche to commit any fraud without retribution.

b) Give me anything back. They've offered me £75.00 but still won't acknowledge it was their fault or that they've done anything wrong, which is nowhere near enough.

c) State anything other than CPA's are "guaranteed payments" no matter how much or what the available funds.

d) Stop any future CPA's going out even though I've asked them to in writing. Despite the FSA's guidelines they just ignore any evidence I send them.

e) Respect my First Right of Appropriation if I assert it more than once. If I do they'll close the account!!!!

 

It's now in the hands of the FOS and small claims court.

 

So it's true, if you believe the Halifax then you can take out as many loans as you like and they'll pay them all back for you even if you have no money!!!!! Cheers Halifax, can I have that promise in writing please? Despite having clear rules and charges in case a transaction 'bounces' due to insufficient funds. Why have these charges if this will never happen? They're complete idiots and it's going to cost them a hell of a lot in my case.

 

In fact - here's an idea - does anybody wish to lend me a few grand and in exchange for my card details? You'll get it all back if you try to take it from my bank even though I have nothing in there...

Link to post
Share on other sites

Hi, just a follow-up. Had another try but no joy....what you said is absolutely true huxleypig69, it seems impossible to stop these payments even in writing.

 

The fraud officer also said that if I close the accounts and bank somewhere else and the company then continues to apply for money the fraud team can do a credit search and tell them who I now bank with and to chase me there. UNBELIEVABLE !!:jaw:

Link to post
Share on other sites

That wont happen and if ut does its illegal. DPA stops them doing it as well as various laws.

 

If you close your account then that bank does not have any right to chase your bank accounts. They could try if its in the same group but if you switch completely then they are breaking multiple laws.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

I can not believe what the fraud officer is telling you is true. have you spoken to his/her superior? Have you asked him/her to put all of this is writing? surely in their charter it is their duty to protect the customer (incidently is p2pd also their customer?)

ACCOUNT DORMANT

Link to post
Share on other sites

yes, asked for for confirmation in writing about the info the creditor had used to prove I owe money, that would be the CPA by my reckoning, and for confirmation there was no 'fraud' on the account and that RBS would continue paying until the account was cleared, the answer was no they do not have to do that.

 

I asked how RBS would know it was cleared, what if the creditor just kept asking for money via the CPA even though I knew it was paid to which he replied 'in that instance it would be classed as fraud and they would get the overpayments back for me'

 

The point about the chasing of accounts came about when I said I was going to close ALL accounts with RBS, the fraud officer then said that if the creditor continued to contact them for money RBS fraud would do a credit search and tell the creditor who my new bank was, not that RBS would chase me.

Link to post
Share on other sites

Sounds like that guy doesnt know the law. The most he can do is get your new address and write to ou. If he tried to tell your new bank to pay without a court order then its blatant theft as well as multiple breaches of various laws.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

Thanks for that renegadeimp, I was starting to get paranoid thinking it seems like anyone can help themselves to money from my bank accounts. No wonder loads of people do not trust banks and keep their money 'under the mattress' so to speak ... if it wasnt for having to pay stuff by direct debits etc I think I would do the same!!

Link to post
Share on other sites

Rememver. A lot of banks reps do not usually tell you the truth. Sometimes what they say is the complete opposite to the banks policy

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

In my experiences with the Halifax they have lied continuously and when challenged to back up their lies and prove them to be true they simply ignore what you've said. I must've asked them a good 7 times to prove to me that CPA's are guaranteed and as yet all they've done is tell me to go to the local branch to read the terms and conditions! Even better is the fact that I've continuously asked for a copy of the contract that I signed that binds me to these fictional terms and conditions and it appears that they've lost it! So in this case it seems that they don't have a leg to stand on. However, it doesn't stop them trooping on regardless, adding charges and whatnot, chasing me for the debt that I'm in because of their mistakes!

 

They're going to the small claims court so they'd better get some resemblance of a defence together because right now they look pretty screwed. The can't/won't prove any of their lies. The flat refuse to investigate allegations of fraud. It's disgusting really...

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...