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    • Just for the record, I am uploading the original letter from CCSCollect, which asks me for the money from "BT" (if it is BT).   You can see here that I scribbled some notes at the foot of the letter indicating that I phoned the number CCSCollect gave me as the BT number, and I was told by "BT" that there was an outstanding balance of £48 in the account. They first tiold me that the account wasn't even closed. Then they changed their mind and told me that the account was closed, but that there was a £48 balance still owing.   Assuming that I was speaking to BT, I kept telling them that the email address did not work, which is why I closed the account.    I recall that I had kept telling BT at the time that the email address didn't work and that I either wanted them to fix the problem or stop charging me their PREMIUM rate charges for an email that didn't work!   On the phone on this occasion the BT man I spoke to (before he called me a mother****er) had asked me if I had actually used the words "! want to cancel this account" specifically. He seemed to be saying this as an excuse for their behaviour of not closing the account when I had complained about it. However, all that is irrelevant, since what I was clearly saying was that I was NOT going to pay good money for an email account that didn't work, and that they shouldn't be charging me money for it in the first place.   Later that day, though, I phoned BT using the operator number (not the number that CCSCollect had given me for BT) and spoke to someone at BT who accessed my accounts (I actually had two old accounts, one for each of the two phone lines that I needed then to do the work that my single Virgin Media account can do now) and he confirmed that neither of these showed any outstanding unpaid balance. I have a recording of that conversation.   So which version is the true version?     
    • Hi DX   I have contacted ASDA who have said they have no involvement with the machine and need to contact the owner who are Barclays - they could not give me any contact details.   I rang Barclay's who were no help whatsoever and could not give me a number to contact - they told me to check the contact details on front of the machine.  However there are no contact details on the front of the ATM.  There is only a sign saying ASDA have no responsibility for the machine and to contact your card issuer in the event of any problems.   I am going round in circles with this and think my only option may be a complaint to the FCO?    
    • There's no mention of using the job application part of the online journal on my claimant commitment. As I say, there's only this one Advisor that seems to want to make it a massive issue - terminating the meeting if I dare to argue back.   I simply have: check it often - complete to-do list (has only ever been meetings to attend on there) - update circumstances
    • he Financial Conduct Authority today launched a legal action against the bosses of a Gatwick airport carpark investment scheme that collapsed after raising £230 million from thousands of savers. Yesterday, it was revealed that investors were suing Park First and its controversial founder Toby Whittaker for fraud and today the FCA launched a separate action alleging the scheme made “false and misleading statements” in its promises to potential investors. A total of 4500 largely elderly investors put money into the scheme, many of whom also lost money with London Capital & Finance. A large number of them used their self-invested personal pensions to buy the product, which involved buying car park spaces at Gatwick and Glasgow airports then leasing them back to the company in return for high rates of return. https://uk.finance.yahoo.com/news/fca-sues-park-first-directors-094900289.html?guccounter=1
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good morning have been reading on here for a while as i have an outstanding loan with speedcredit.. so most emails that i get from them dont bother me i just keep sending in my request for payment plan but this morning i got a totally different email from them which has thrown me now...this is it

 

 

This is a reminder that you committed to pay back your Speed Credit Loan*** debt.

 

This debt is now very overdue. We have allowed you to extend the loan as a goodwill gesture.

 

As part of settling this debt you are committed to paying GBP 2461 by 13.12.2012.

 

In accordance with the Standard Terms and Conditions you agreed to, we will be automatically taking payment tomorrow as agreed to therein. Please ensure the amount of GBP 2461 is available by midnight tonight.

 

IT IS ESSENTIAL THAT YOU HONOUR THIS AGREEMENT AND THE PAYMENT.

 

If there are insufficient funds in the account and/or the payment fails, your file may be fast tracked to Door Recovery Agents and failed payment fees of GBP10 per transaction applied.

 

If payment continues to be non-fo rthcoming, then the file will be passed to our Solicitors for review. This may lead to a County Court claim (or Sheriff Court claim if you are in Scotland) against you.

 

IF YOU DO NOT WISH FOR US TO TAKE THIS PAYMENT YOU NEED TO CONTACT US ON 0843 381 0843 IMMEDIATELY SO THAT YOU CAN ARRANGE FOR REPAYMENT, STOP YOU INCURRING FURTHER LATE PAYMENT FEES AND ESCALATING ACTION!

 

If you have any questions regarding this, or will be unable to pay contact customer services NOW!

 

Yours sincerely,

 

 

COLLECTIONS

NORTHERN DEBT RECOVERY

0843 381 0843

 

 

should i contact them as my pay goes in tonight and i dont want to wake up in the morning to no money in my account..i am going to the bank to stop the cpa but as a lot of people on these threads have said going to the bank and stopping them does not always work..

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hello ohh

 

I am sorry i cant help you with this i do not know enough to advise but this reply will bump your thread back to the top so others more knowledgable will see it and perhaps advise you. I hope you have got something soreted out now and wish you all the best.

 

Daisy


Daisy

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Speed Credit are known for making mulitple requests for payments from bank accounts. You really need to get in touch with your bank and demand they do not permit any unauthorised withdrawals.

Edited by citizenB
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3: Feel Bullied by Creditors or Debt Collectors?

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4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

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2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hi ohh,

 

This email is one of their automated threatening emails, so no different to the ones you received before.

 

You should cancel your card (lost) and get a new one (in addition to the request to the bank to not honor CPAs to them). I understand your incoming money was today, so let us know how you got on and if anything happened or if you need more advice.

  • Confused 1

24/7 Moneybox: 195.00 - Oustanding: 0.00

British Pearl/Spondoolies: 752.10 - Oustanding: 0.00

Cash on go/Peachy: 206.30 - Oustanding: 0.00

EarlyPayday: 325.00 - Oustanding: 0.00

Lending Stream: 1398.46 - Oustanding: 0.00

MicroLend: 780.00 - Oustanding: 0.00

Minicredit: 520.00 - Oustanding: 0.00

MonthEndMoney/PaydayUK: 937.50 - Oustanding: 0.00

MrLender: 715.00 - Oustanding: 0.00

Pounds2Pocket: 2328.00 - Oustanding: 0.00

QuickQuid: 1800.00 - Oustanding: 0.00

SafeLoans: 450.50 - Oustanding: 0.00

Speed-E-Loans: 516.00 - Oustanding: 0.00

SwiftSterling: 1295.00 - Oustanding: 0.00

Toothfairy Finance: 544.00 - Oustanding: 0.00

TxtLoan: 450.00 - Oustanding: 0.00

WageDayAdvance: 670.80 - Oustanding: 0.00

Wonga: 1336.86 - Oustanding: 0.00

Total: 15220.52 - Oustanding: 0.00

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Have a read of the following..

 

Once you have advised the company that you are withdrawing your permission and told the bank NOT to pay.. then they should follow those instructions.

 

 

 

 


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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hi sorry for not replying been a busy week..

no money got taken out thankfully have written to the bank to stop all cpa attempts so fingers crossed.

 

have had e mails this morning to say they are going to take money at midnight tonight and a voice mail left saying if i dont pay or contact them they going to send my file to solicitors and will then apply for attachments to my earnings remove items from my house get ccj and so forth....one question can they get a attachment on my earnings as most my earnings have to pay higher priority bills???

 

thanks all for the help and advice

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They would have to issue a claim through the courts which you would have the opportunity to defend. They would then have to obtain a Judgment against you. The Judge might have other ideas, especially if you put forward a proper defence which shows that you have made serious attempts to enter into a repayment plan - where all you have been met with is threats.

 

If it does come to a time when they issue a claim, then you would also need to provide a budget sheet for the court - who would take your other commitments, especially priority commitments into consideration.

 

Keep a check on you bank account.


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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