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    • I'm on happy pills (anti depressants) but they aren't cutting the mustard anymore and I do need to see my GP soon to see if he can help in anyway. With regards to gambling it's so complicated; through my life I have made money (as well as having had some jobs)  being a "professional gambler" (gambling where the odds are in your favour - think card counting for example, fruit machines years ago for a long time.... Other things.) But I've also been totally compulsive at the same time. It;'s so entrenched in my psyche that it's hard to imagine just giving it up totally. I also have drug issues that have plagued me and it's a shame because I am fairly intelligent and could have been successful in life in theory but mainly due to those two things (and not really having any drive, ambition, whatever... I could go on and on but this isn't a therapy forum :P) I've not managed to. I'm 36 by the way. Cheers
    • Oh I just remembered I have a long defaulted account with Halifax balance approx £3700 I believe (from around 2015) but they aren't chasing me for it or anything. It was actually over £5000 but they refunded me a load of unfair charges (their words)  This does however push me over the £20,000 limit for a DRO I think?  
    • Hi.   I think you've made a good start by setting out in writing what you need to deal with. People should be along later to advise on how to deal with your creditors.   For the mental side of things, have you talked to your GP about getting some help with what's getting you down? Or support with the gambling issues?   HB
    • Hi people.   So I've managed to get myself into a sorry state financially. I'm insanely depressed which I guess is common for many. I don't think all of it comes down to the financial stuff but it is really crushing me now.   Facts: A lot of debt has been due to living on credit and gambling. I don't have a job. I know I should get one but I just totally despondant at the moment (due to many reasons). I don't expect any sympathy but I thought I would share this.   It's tempting to bury my head in the sand and wait for the inevitable calls from various collections departments but I want to be as proactive as possible. I think I've cancelled all direct debits so I don't get bouncing charges from the banks...   So onto the debts:   Loans livelend; £2400 was 4k 13% interest Bamboo £3000 (only just made the first payment this month) supid interest Likelyloans approx £3500 stupid interest  One payday loan for £200 I just got to cover some bills (knowing that I'd unlikely be able to pay it) - this is the only thing I haven't cancelled with the bank as they just take it from your card   Credit cards: Aqua approx. 3900 Capital one approx. 1200 Amazon approx £500 Paypal Credit Approx £1100 Overdrafts Santander £1500 Barclays £1k limit (I don't actually pay anything for this)   So all in all approximately £18,000     I also have a negative Paypal balance of £5000 but I don't believe this classes as a debt and I don't think they can do anything about this having read up on it quite a lot.   I guess my question is what is my best course of action. Should I look to do a DRO? Should I go bankrupt? (eurgh. Full disclosure I did this 15 years ago when I was 21. You think I would have learnt!) Should I write to each creditor and offer them £1 a month? Should I talk to one of the debt charities?   It is all my fault that I'm in this state but I also know that it's not the end of the world because they are all non priority debts. I probably am slightly behind on the council tax but not significantly.   I started claiming universal credit a couple of weeks ago and had my first appointment last week but managed to miss the next one due to not being able to sleep and then oversleeping and so I guess they've probably kicked me off that already and I might have to claim again.    So yeah. I take responsibility for what's happened but I don't see any way out. I've been very depressed lately due to this and other things. There is no one to "bail me out" and I probably don't need or want that anyway. Any advice appreciated          
    • Hi All,   I left the UAE 2 years ago. Have my bank clearance letter from HSBC.  I have been receiving emails from a company based in Hemel Hampstead IDRWW about money owed to the bank of RAK in the UAE which I’ve ignored as thought it was spam. I have now received a letter through the post saying the same thing (no idea how they have got my new address) that they are acting on behalf of RAK bank. I’ve never had an account with them but know how dodgy things are over there so would be nervous going back!.... Do I just ignore it or reply? It must be identity theft?  I am also nervous about travelling as I travel a lot & wouldn’t want to be arrested!!  I obviously have no intent on paying a debt that is not mine plus have no assets here anyway... Can they actually take me to court for something that isn’t mine??  Any info gratefully received.  Have spoken to citizens advice & they couldn’t help. Thankyou   
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deagotta

Lending Stream drained my JSA paid into bank account

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This has just happened to me now.

 

I bank with Halifax

 

i currently have no job (after been laid off) and so i am on Job Seekers Allowance

 

i got my JSA money every two weeks it have just gone in and i can't access it.

 

I rang the bank to find out why and was told lending stream has taken money £260 out of my account yesterday while there was only 0.08p.

 

So far tho the money hasn't fully been taken so hopefully i can get it stopped when i ring the disputes team in the morning.

 

The main problem is i no food left in the house and the £142 (which i get every two weeks thus doesn't go far) is all i have to buy food with

 

if don't get it i put afford gas for the heating or food to eat it is disgraceful that a company can act like this.

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own thread created

 

dx


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Single Premium PPI Q&A Read Here

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you need too:

 

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

 

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?353395-Letter-to-send-if-you-are-being-charged-bank-fees-whilst-on-benefits


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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the card details they have for me were old card details now when i ask the guy i spoke to on the phone to the bank he said they must have got my new card details from visa. Now isn't that illegal???

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Hmmm! Have u applied for any other loans recently? Maybe provided different payday loan company's with your new debit card details?


It never rains but it pours...

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No and even then no company should share you card details with another company, I mean sort of class a some sort of fraud or at least must be against privacy laws.

 

I mean it would be like buying something from amazon then them giving ebay you card details for them to take money from you.

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Oh, I absolutely agree. Just heard so many stories on here of PDL company's obtaining new card details. A lot of these payday loan company's are the same company with different trading names.

 

I think your bank is talking crap about Visa passing your card details on... Sounds like a bit of buck passing there.

 

Did I read somewhere recently that these CPAs only rely on the first 12 numbers of your card? When you get a new card from your bank after you've lost it, they only alter the last 4 digits. Please, don't quote me on that, I'm sure I read something somewhere about it.

 

I understand your points completely. Just wanted to throw that question out there (about applying for a different PDL) to try and establish how Lending stream got your details!


It never rains but it pours...

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Theyve used a cpa. do as advised by dx.


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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so i talked with the bank they said they couldn't do anything but told me to go to my local branch to see if anything could be done. When i got down to the bank i was told 3 times nothing could be done but they finally agreed that because it was JSA money they had to allow me to have it but it now means i have a debt with the bank i have to sort and i am going to have to find a new bank now.

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Name and shame your bank. They are 100% wrong. Perhaps you could make a complaint under BCOBS.


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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Op named them earlier in the thread... Halifax.

 

I think the main thing is, you're getting your money back even of it leaves you in debt with the bank.

 

This gives you some breathing space now to sort this out.

 

As renegade advises, follow dx's advice RE: CPAs.

 

I'd certainly make some arrangements to open a new account. It is always advised here to open parachute accounts after defaulting on a payday loan.... Unfortunately you've learnt the hard way the very reason this advise is given.

 

Have you tried Natwest or Co-op for a basic account?


It never rains but it pours...

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Natwest is the bank i am thinking of going to now i am going to have a word with citizens advice aswell see what they can do, but looking at the agreement from lending stream the way they have done this has gone against the agreed methods of collecting the money they themselves stated so they may have voided their own contract but we will see what is said when i speak to citizens advice. I would to thank everyone for their input and advice aswell.

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