payday loan taken out 2 years ago, now capital credit management/Lasker International taking my money

[renegadeimp]

Call them back and get that conversation sent to you by email.

 

Santander are almost as bad as the PDL's for denying something was ever said on the phone.

[irishgirl]

I should have done that.

 

Cannot call back now to lunchtime at work and took a sneak out there when had to go do banking for the office.

 

I will be checking the bank all day in hope more than anything else. Im still not convinced they will stand by their word.

[irishgirl]

Checked my bank - Two of the transactions have now refunded. The £50 and the £5 so hopefully the £30 will now also

[irishgirl]

Very happy to report all has now been refunded. Thankfully.

 

The bank may still well take them back when they have completed their investigations i dont know but i will cross that bridge if and when i come to it. For now im happy.

[renegadeimp]

Honestley i would consider moving to another bank due to the treatment you have recieved. I would also issue santander a full complaint, as well as copy in the regulatory authorities and maybe the BBC.

[irishgirl]

I am going to write a letter of complaint as to be honest i didnt feel it was handled correctly.

 

It is almost a week now since i told them the transactions were fraudulent and the minute i told them that they should have sorted it. I shouldnt have had to phone them several times. I will also presumably be charged £5 per day for my account being overdrawn.

 

If they dare try to take them charges i will be on to them again.

[renegadeimp]

If you are charged any overdraft fee's due to their incompetence, write to them and demand they are removed. If they fail to do so, then get the FOS and FSA involved.

[ERG1976]

Very happy to report all has now been refunded. Thankfully.

 

The bank may still well take them back when they have completed their investigations i dont know but i will cross that bridge if and when i come to it. For now im happy.

 

They shouldnt as they are fraudelant transactions

[irishgirl]

I know so hopefully they wont.

 

Have they refunded you yet? Did you get back on to them?

[ERG1976]

They have given me a reference number at santander and said it will be back in within 48 hours - the first person i spoke to was 15 days etc.

 

What I don't understand is why did the complaints department say it was going back in if it wasn't and didnt even log the complaint !!!!

 

48 hours .... We will c

[irishgirl]

It should be in by now if mine is as they both happened at same time. The 48 hours is up today.

 

Keep at them if it isnt in by close of business today.

[ERG1976]

It should be in by now if mine is as they both happened at same time. The 48 hours is up today.

 

Keep at them if it isnt in by close of business today.

 

They said 48 hours from now it appears all my other calls - about 20 of them were not logged even when i spoke to security last wednesday because they have only just logged complaint !!!!!! Frustrating to say the least

[irishgirl]

Thats disgraceful. Honestly get back on to them and let them know you made them aware of this 6 days ago.

 

It is not good enough

[ERG1976]

Thats disgraceful. Honestly get back on to them and let them know you made them aware of this 6 days ago.

 

It is not good enough

 

Will wait til the morning ... Fingers crossed the money will go back in - will keep u informed though

[irishgirl]

Thanks for that i know totally how you feel as we have both had this nightmare together.

 

Hopefully all will work out and we will have to keep a good eye on our accounts from now on to make sure they dont try to re set up direct debit details.

 

I will pay my account to capital in £10 per month standing orders. I certainly will not be allowing them my account details again

[ERG1976]

Most definitely not i have requested a payment book off capital .... Have had no response about the email i sent last week.

 

Hopefully ordeal over with !!!!

[irishgirl]

I have their account details if you wish to set up a standing order. U just need your own reference for them and set up your own standing order that way they have no access to your account.

 

I can give them to you if you want

[irishgirl]

Meant to ask you also have you got your new card yet? I got my pin on saturday but no card yet

[ERG1976]

Yes i will have those details off you please x and no card yet but had pin yesterday

[ERG1976]

Money refunded woo hoo hope they look into it and report the guilty parties now

[irishgirl]

Brilliant delighted to hear that.

 

Il pm the bank details here shortly

[ERG1976]

Brilliant delighted to hear that.

 

Il pm the bank details here shortly[/quote

 

Great thanks and thanks for being a fellow 'fraudee' with me probably wouldn't have got this result on my own x

[markosoft82]

Glad for you both, however irishgirl, unless you need your funds in your account to pay bills, I'd think about withdrawing them. Santander are utterly useless (and worryingly I'm with rbs... So guess who my account is being moved to. Should be interesting if they try and screw up my account).

 

And don't forget about ccm, because what they did borders on theft. Which isn't all too surprising, but nevertheless disgraceful.

 

Still, at least you both got your refunds

[ERG1976]

To be fair i havent had any other problems with santander prior to this and they have now returned my money.

 

From what i have read on forums we would all be better off keeping our money under a pillow where only we have access to it.

 

Certainly wont be forgetting ccm though and im sure seeing as i have cancelled my direct debit that they wont be forgetting me either. But the offer to repay any debt is there but i am to be in control of it

[renegadeimp]

You need to write to the creditor and revoke their permission to use the DD. If you cancel it on your end without telling them, then they can simply reinstate it, unless you have explicitly told your bank to block ALL forms of payment to them.