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

[ERG1976]

Omg lol are you me ?????? I check mine online several times a day it is an obsession but if like me you aren't loaded with spare cash u can account for every penny. Just read another thread on here where companies have set back up direct debits - will be extra vigilant as i only just thought of that possibility. I meant to ask how u know they do receive incoming emails x

[irishgirl]

haha this is uncanny that its so alike.

 

Its like an obsession for me also checking online banking but its cos i live virtually hand to mouth lately to try get myself back on my feet that i have to account for

and keep an eye on every penny.

 

Thats why i was able to flag this up immediately when my account went into a negative balance.

 

What i cant understand also with santander is that they let any payments go out.

 

I know that if i tried to use my debit card with no funds in my account there is no way it ever would let me yet these people were able to access it with no funds in.

 

Santander say your debit card allows you to go overdrawn. Mine never ever has.

 

In relation to the incoming emails they receive them because when they were writing to me last week this james patterson man in particular

 

(though all their emails come from [email protected]) was telling me how they would send the baliffs round and get an attachment to earnings order against me etc etc

 

i responded saying get your information correct as baliffs do not now operate in northern ireland nor have they done in years

and advised that he couldnt take an attachment of earnings order against me as this could only be done if judgement was made and i didnt keep to that.

 

They then replied to that email ccing it to richard howlett telling them to put forward for litigation.

 

Im furious with myself though cos as that point i just couldnt be bothered with the hassle and decided to call them and set up a direct debit.

 

They said this was fine and could i make a token payment i said yes i will make one for £1 they asked can we make it £1.42 i said thats fine just take this,

set the direct debit up and be done with it.

 

As far as i was concerned that was it that i would pay every month and all would be ok until this happened.

[ERG1976]

Dont kick urself over it lovely we were just a bit silly being victim of scare tactics ...

I phoned them and offered an initial payment of 10.00 they asked for 12.00 so thats what i paid, and as u set up direct debit for future payments.

 

As u said i would happily welcome them to take me to court in fact with all what they have been up to i hope they do

 

i have offered repayment via a payment book or card so i can pay with cash and get receipts but something tells me they dont work like that.

 

I have had no response to the email yesterday but will post copy monday ...

 

. This has taught me a huge lesson i will never ever give my card details over the phone again !!

[ERG1976]

I have never had any reference to richard howlett made to me i only discovered his name whilst researching lasker and then spottin the connection - i dun think he is a nasty piece of work though i think he is a pen pushing bully would be interesting to see if he is even a legally qualified solicitor as stated x

[irishgirl]

I have seen different threads before talking about him and that he seems quite nasty by all accounts.

 

He is the head man as far as i can see in relation to payments etc from ccm and apparently people have said his job title is largely fabricated though how true that is i do not know.

 

I do know that there was a thread about ccm on money saving expert and someone was having trouble with him also.

[ERG1976]

I actually just read that thread he has had no luck and in fact he has been taken to court

although he doesnt seem to have had the same problems as us in fact he just asked for proof of debt and didnt agree any payment options.

 

It would be onteresting to see if they will take us to court with the chance of a counterclaim and criminal charges.

 

As i have said if i owe i will pay but in a way i can not by handing them full use of by bank account

 

- the other thing i wonder is if ccm are denying taking our money they clearly had no intention of taking it off the supposed debt

[dx100uk]

okyou two

 

i'm going to ask our specilist to do some digging around

 

can you please both

remember to add LINE BREAKS

and blank lines

 

in your posts so's we can read them better

 

 

if your post go up in a block

 

use the edit post in the grey bar to edit in blank lines

 

i've just done about 8 posts and added them

 

please help us to help you.

 

dx

[ERG1976]

Ok no problem sorry new to this.

 

Would appreciate any advice as this is a very upsetting time for me and my family as it obviously is for irish girl.

 

Have i done this one better ????

[dx100uk]

there you go

 

just await

 

someone is going to do some digging.

 

dx

[irishgirl]

Thanks very much for looking into it.

 

Feel free to correct me if i forget myself and dont do it properly. Just new on here and havnt much of a clue how things work.

 

Hopefully someone will know something. Fingers crossed

[Sidewinder]

Been digging with DX

 

Lasker seem to have been dissolved as a company in 2010 - has anybody had any RECENT communication in the name of Lasker?

[irishgirl]

I have never had anything from Lasker at all.

 

I didnt even know they existed to be honest until the bank told me thats who had taken the payments.

 

It is now showing on my account as Lasker Collections.

[renegadeimp]

Have you started chargeback proceedings? Your bank can chargeback first and investigate second. Dont let them tell you any different.

[Nao]

Been digging with DX

Lasker seem to have been dissolved as a company in 2010 - has anybody had any RECENT communication in the name of Lasker?

 

Lasker Limited has been dissolved on 17/08/2010, strangely enough ther is a website http://www.lasker.co.uk/ for a "private investigator" that calls itself Lasker Investigations and claims to be a division of Lasker Limited

Registered in England Company Number 04686395, which is the one that was dissolved in 2010.

 

The address given at the website is 30 Borough High Street, London, SE1 1XU

 

A quick search for that address reveals that it is the exact address where Microcredit Limited with trading names Minicashloans.Co.Uk and MiniCredit.co.uk are based, they are according to this source http://www.bbc.co.uk/news/mobile/business-17127951 the most complaied about PDL in 2011.

 

Last year MiniCredit issued more than 100,000 loans, however the Financial Ombudsman Service received more complaints about MiniCredit than any other payday lender in 2011.

 

The trade body, the Consumer Credit Trade Association (CCTA), of which MiniCredit is a member, has told the BBC they have also received complaints about the company.

 

The CCTA says it has warned MiniCredit that unless the company stuck to the OFT guidelines, it would risk getting in trouble with the regulator.

 

The debt advice charity National Debtline has also expressed concerns about the company.

 

There is also a Company called Lasker Collections Limited reg 07079294 that was dissolved 08/11/2011, that has however a different address given at companies house 47 CHANCERY LANE LONDON WC2A 1RH.

 

Strangely there is a current credit license number 0633170 for Lasker Collections Limited at the first address where the investigator and microcredit are, yet in the public register for credit licenses the company reg is 07079294, which would be the Lasker dissolved in 2011 from a different address.

[ERG1976]

Ok the plot thickens. Have u found the connection between lasker and ccm.

 

And where do we stand with the fact that lasker collections have taken this money without any notification

[Nao]

One of the Directors orf CCM is one Mr Simon Taylor, if you try to find a private investigator then you find the following,

 

[email protected] + [email protected]

Simon Taylor,

Lasker Investigations UK,

Creative Media Centre,

17 & 45 Robertson Street,

Hastings, East Sussex, TN34 1HL,

Tel. +44 870-321 3999,

Fax. +44 870-762 6199,

http://www.laskerinvestigations.co.uk.

General investigations, process serving, tracing, asset locating.

Data Protection No: Z8954297, ICO Database doesn't know about that number, neither do they have anything for Lasker

Member: NAIPS and UKPIN.

 

Source: http://iwwa.euro-detectives.org/world3

 

As well as:

 

Lasker Investigations UK

Owner

Mr Simon Taylor

Address

30 Borough High Street, London, SE1 1XU

Country: England, UK

Telephone

+44(0)870 321 3999

FAX

+44(0)20 7657 3888

E-Mail

[email protected]

URL

http://www.lasker.co.uk

Description

Lasker is an independent international investigations company. A full member of the World Investigators Network, Lasker specialises in discreet, effective investigations with a team of dedicated professionals contactable 24 hours a day across the world.

 

Lasker provides a complete investigation service including corporate investigations, business intelligence, due diligence, surveillance, debt recovery, tracing and lawyer litigation support.

 

Member: CSA NAIPS WIN BAG UKPIN IWWA

 

Source: http://www.einvestigator.com/pi_directory/united_kingdom.htm

 

As well as:

 

Website: lasker.co.uk

Telephone:

0800 3102199

Address:

Simon Taylor

Lasker Investigations

PO Box 312

Hastings

East Sussex

TN34 9EU

 

Source: http://askyourneighbour.com/laprofile.php?tid=17015&cid=0&uid=129802

[ERG1976]

Well i phoned CSA and the have no member called lasker who are accredited by them !!!

[ERG1976]

So what do you assume that all the above means its actually hurting my brain now

[irishgirl]

Im totally lost now to be honest.

 

 

That simon taylor is defnitely accredited with capital as on the direct debit instruction sheet i got i was told to pass any payment queries to [email protected]

[Nao]

So what do you assume that all the above means its actually hurting my brain now

 

its a bit hard to draw conclusions about Lasker as there isn't much official info due to them not officially existing.

[renegadeimp]

Have you checked to see if he isnt skirting the thin line of the law by using tasker as a trading name or similar? Many very shady business owners do this from time to time. It's not illegal but it is hard to track down certain companies.

[ERG1976]

The company ccm deny all knowledge of lasker and also deny having connection with them

[renegadeimp]

Time to get in touch with companies house/OFT and other regulators.

[bacondtf]

Just made a profile to say that this exact thing has happened to me.

 

"Lasker" or whoever the **** have taken £185 from my account over 8 payments.

 

I called Lasker today and was told that it was CCM who have taken this money,

 

I haven't been able to reach CCM but based on other people's replies,

it would seem that they are not going to admit liability or take any sort of responsibility.

 

I've quoted the FSA to the bank but the woman still said that the bank won't dispute the charge.

 

Bank is held with Barclays. I'm a DAS employee and will be discussing this with one of the solicitors tomorrow.

[ERG1976]

Please let us know what the solicitor says. I cant see how the bank can pay these people who have acted fraudulantly as the company who have taken it has said they havent therefore the bank is paying nobody who r authorised