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    • Hi i have just had the following from packlink.     🗂 TAMPERING :Investigation complete hermes_uk,GB2021EBAY0033657884,H0067A0017227833,H0067A0017227833-0 Dear   After completing the investigation with the carrier the shipment has been confirmed as subject to tampering. I am writing to let you know that the dossier has been transferred to the Claims department for the final evaluation.   PACKLINK ORDER:  SHIPPING LABEL:  CARRIER NAME: hermes_uk CLAIM TYPE: TAMPERING CLAIM STATUS: Investigation complete/Transferred to claims department What happens now, when I will receive the compensation? The Claim Department will now analyse the documents and evidence provided and give you an answer as soon as possible. From this communication we aim to settle to your claim within 30 days. In Packlink we do everything we can to resolve all the claims with the insurance company and/or the carrier as quickly as possible. However, keep in mind we need to contact the carrier to verify the liability for the incident, and to report the outcome and/or respective liquidation of the case. Do I need to provide additional documentation? If you have submitted all the documentation correctly though the claim form, no further action are required. All relevant updates will be provided though this email thread. If the documentation you attached to the claim form is incomplete or incorrect the claims department will reach out to require additional documentation to process your claim, below there is a reminder of the mandatory information needed to process a claim.   📑PROOF OF VALUE In order to handle the claim, it is necessary to include in the claim form online:   ➡ eBay Sale Record: Go to your paid and dispatched item, then sales record and attach a screenshot of the sale record, in which the sale price and buyer's name are visible.   ➡ PayPal Transaction Confirmation: If your item was paid through PayPal, attach a screenshot of the PayPal transaction, in which the sale price and the buyer's name are visible.     📷PHOTOGRAPHS FOR DAMAGE or TAMPERING   In case of damage or tampering, the Claim Form will instruct you to attach 4 photographs of the package and the goods with the following characteristics:   Photograph of the damaged goods and not just a single close up. Photograph of the goods as it arrived packaged in its respective internal packaging that protected it during transport. Photograph of the entire package as it arrived on delivery so that the package can be seen in its entirety and with the carrier’s label visible   ➡ Since you have to attach the documentation to the Claim Form, we recommend you prepare this type of documentation beforehand so that you can fill in the online claim faster.   📦OBLIGATORY CONSERVATION OF THE PACKAGING In cases of damage and/or tampering, the packaging and the goods must always be kept in case of possible expert examination until the acceptance and/or resolution of the case. On certain occasions, the carrier, claims office or the insurance company may request more photographs either the package or the goods after the investigation has started, or an onsite examination.   📅TIMING FOR THE OPENING OF THE CLAIM FOR DAMAGE o TAMPERING It is possible to open a claim case for tampering within thirty (30) calendar days from the dispatch date of the shipment. Riza Claims Specialist eBay Delivery powered by Packlink
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CFO drained my account RBS say its allowed - help


Spiral123
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Hi,

Last week Capital Finance One took £175 out of my account from a loan going back to April 2011,

which I was unable to pay fully back at the time.

 

Stupidly I applied for a loan a few weeks back which must have been a sister company

and they then proceeded to attempt to empty my account.

 

I have been in contact with my bank Ulster/RBS who have been useless,

quoting that in your terms & conditions on original loan you would agreed to them using your debit card if passed to them from 3rd parties.

 

I did not send any letters to my bank unfortunately to cancel continuous authorisation payments,

 

is there any hope for me getting this money back as the bank are fobbing me off with telling me to take it up with CFO,

 

which will be a waste of a phone call, as it is nothing to do with them.

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own thread created

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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We have been telling people to put a letter into their bank instructing them not to make any payments under any circumstances to these companie

http://whatconsumer.co.uk/visa-debit-chargeback/- it works!

 

banks MUST follow written intructions from their customers !

This fsa guide has now been updated:

 

http://www.fsa.gov.uk/pubs/consumer_...ghts_guide.pdf

 

Here's the text:

 

Cancelling a regular

card payment:

 

When you give your credit or debit card

details to a company and authorise

them to take regular payments from

your account, such as for a gym

membership or magazine subscription,

it is known as a ‘recurring transaction’

or ‘continuous payment authority’.

These are often confused with direct

debits, but do not offer the same

guarantee if the amount or date of the

payment changes.

In most cases, regular payments can

be cancelled by telling the company

taking the payments. However, you

have the right to cancel them directly

with your bank or card issuer by telling

it that you have stopped permission for

the payments. Your bank or card issuer

must then stop them – it has no right to

insist that you agree this first with the

company taking the payments.

Be aware, though, that you will still be

responsible for paying any money that

you owe.

see: http://www.consumeractiongroup.co.uk/forum/showthread.php?336569-How-to-remove-a-lender-s-continuous-payment-authority(2-Viewing)-nbsp

http://www.fsa.gov.uk/pages/consumerinformation/product_news/banking/know_your_rights/solving/index.shtml

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Write a formal complaint to the CEO. Never call them as you are dealing with minimum wage desk jockeys who havent been trained in the correct legislation.

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

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What was the name of the other company you applied to?

 

Did you actually get a loan from the new company?

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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Did you receive a text on your mobile phone suggesting you apply to this other company? (this is how they lure you into giving your new details)

 

If you did not give CFO your new card details then they have obtained them fraudulently and you should be talking to the bank fraud team.

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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Tbh thats pretty shady anyway. Having to provide your full bank/card details before you are even accepted for a loan.

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

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Letters off to Complaints Dept & their CEO as follows:

 

Hopefully will get a better response than from the fraud/Chargeback & Investigations people I rang up, feckin useless they were, taking the loan company's side:

 

 

 

xxxxxxxxxxx UlsterBank

 

xxxxxxxxxxxxxxxxx ComplaintHandling Centre (CC.CEO Jim Brown)

 

xxxxxxx

 

xxxxxxxx

 

11th September 2012

 

 

 

Dear Sir/Madam

 

I am writing to complain about the complete lack of assistance provided to me by your customer service team over the past 72 hours.

 

S/C: xxxxxxx A/C No: xxxxxxx

 

Branch: xxxxxxxx

 

Having checked my account balance on Friday 31st August 2012, I noticed 5 unauthorised transactions which were placed to my account totalling £175.00 by a company “Capital Finance One”. I called the chargeback service 0870 number and was put through to the disputed transactions team. They informed me that I should, in the first instance, contact the company responsible for the transaction and call them back once I had furtherinformation.

 

There is an outstanding loan I have with them which I am disputing, going back to May 2011. I have never at any time since this dispute authorised this company to take any payments from my debit card, and assuch these 5 transactions are fraudulent.

 

I have spoken to several members of the your disputed transactions team today and have now been told that because the company, Capital Finance One, is a financial institution, Ulster Bank cannot initiate the chargeback system orrefund the payments, which I understand to be against FAS guidelines. (I have lodged a complaint today with Neil in complaints section of investigations).

 

I have checked my legal position and have been advised that because I have disputed the payments, U B should have stopped and refunded the payments immediately. In fact, I also believe that U B should have declined the payments immediately given that the payments were of a repetitive nature in such a short space of time. I also understand that according to the Financial Services Authority Guidance for Banking customers, the following applies. Please not my comments are annotated in Bold.

 

"Your bank must refund an unauthorised transaction. Money can only betaken from your account if you have authorised the transaction or your bank canprove you were at fault.

 

I did not authorise the payments

 

Contact your bank immediately if you notice a payment out of your account thatyou did not authorise. If you are sure that you did not authorise the payment you can claim a refund.

 

I contacted you as soon as I became aware of the problem.

 

However, your bank does not have to refund you if you do not tell it about the payment until 13 months or more after the date it left your account.

Not applicable."

Further, it states:

"Your bank must only refuse a refund for an unauthorised transaction if:

it can prove you authorised the transaction – though your bank cannot simplysay that use of your password, card and PIN conclusively proves you authoriseda payment; or

it can prove you are at fault because you acted fraudulently or, because youdeliberately, or with gross negligence, failed to protect the details of yourcard, PIN or password in a way that allowed the transaction."

And Finally:

 

"The bank must make the refund immediately unless it has evidence that oneof the above reasons applies.

 

Your bank may ask you to answer some questions and fill out a form confirmingwhat has happened, but it cannot delay your refund while it waits for you toreturn the form. If the bank has evidence that one of the above reasons forrefusing a refund applies, it may investigate before making a refund but mustlook into it as quickly as possible.

If your bank rejects your claim for a refund it should explain why.

The fact that the person taking these payments is a financial body is not anacceptable reponse, and would not pass tests by the regulator

If the transaction was on a credit card, the refund may not happen immediately.But the card issuer cannot charge interest or ask for repayment of the amountunless it can prove that you are liable to pay."

 

 

 

 

Accordingly, I therefore instruct you to:

 

 

1. Refund the unauthorised payments immediately, pending investigation.

 

 

I would appreciate it if this could be actioned expeditiously, preferably today, as these funds taken from my account are for essential living expenses. Should you wish to discuss this with me further,please do not hesitate to contact me on xxxx xxxxxxxxxx, with a relevant telephone number I can contact and discuss the matter further.

 

If I am not satisified with the outcome I will have no option to place a formal complaint with the financial ombudsman, in which a £500 investigation fee will be charged to your company, regardless if thecomplaint is upheld or not.

 

 

 

Yours faithfully

 

 

 

Spiral 123

Edited by Spiral123
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Did you receive a text on your mobile phone suggesting you apply to this other company? (this is how they lure you into giving your new details)

 

If you did not give CFO your new card details then they have obtained them fraudulently and you should be talking to the bank fraud team.

 

Can you answer this please - we are trying to put together a picture of how CFO are operating - in effect they are using other companies as a debt collecting tool and are enticing poeple who owe them money by sending texts to get them to apply to the companies which will pass your bank details to them. We need to establish as many cases of this as possible in order to take it further.

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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Checked my email Ell-enn, it appears to have come from CFO lending.

 

So is it CFO Lending you applied to for a new loan? Capital Finance One changed their name to CFO Lending!

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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You effectively applied to the same company that you owe money to from a previous loan so they used your new details to get the money. You would have no chance fighting CFO for the money back, but you should certainly pursue with your bank for a refund.

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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See what happens with the complaint. If nothing comes of it, send a direct letter/email to the CEO of the bank. If you still dont get anywhere, then you can send a LBA. However, if you do this, make sure you are ready and willing to follow it through as banks get issued legal threats all the time and are ready to defend.

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

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Had a phone call from Ulster/RBS Bank this morning regarding complaint I lodged. Basically they have checked with CFO and as there is an outstanding loan with them, (which I dont disagree with - it's the exorbitant charges that they levy is why I refused to pay all of it back in the first place.) they cannot do a chargeback in this case and the fact that in my terms & conditions of the loan said that CFO could debit my account if they recieved these card details from a third party. He also claimed that he has checked this position with the Ombudsman and the FSA and they have told him that they are right in this case!

 

Now, are the bank able to check with the Ombudsman/FSA in a dispute like this before stalemate? I think these guys are chancers and are hoping I will just take the word for it and go away. Any ideas on my next move or is this worth fighting for?

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Yoh must write to the ceo and exhaust the banks complaints system. Make sure to ask for a final response. Then you can take it to the fos andfsa.

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

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Will do Renegageimp. Do you think they are try to pull the wool over my eyes? It clearly states on FSA:

 

"The fact that the person taking these payments is a financial body is not anacceptable reponse, and would not pass tests by the regulator".

So if FSA told them that they are in the right then they are going against their own guidelines!

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Your bank is breaking the law. Plain and simple.

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

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The Financial Services Authority told Money Box it had a clear interpretation of the directive regarding the cancellation of payments by bank customers: "Customers have the right to stop any payment leaving their account. No distinction whatsoever has been made for pay-day lenders or indeed any other group.

 

Source: http://www.bbc.co.uk/news/uk-19598492

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