Jump to content


  • Tweets

  • Posts

    • Standing order, payment via a debit card to online account ?  If you are making payment from your end, it is you authorising and not them having your bank details.            
    • You are the OP of this thread. As I said, I doubt the OP of the original question is following this as she has more important things to worry about.   I'll ask you this:   1. have you ever been in a Magistrates' Court when a Statutory Declaration to set aside a motoring conviction was made?   2. If so did you ever see the maker quizzed or questioned  to test their honesty in connection with the SD?   3. Have you ever seen such a Declaration rejected for want of truthfulness (rather than a procedural or administrative error or mistake)?   My answers to the above would be as follows:   1. Yes on, I would estimate, at least two hundred occasions (six or seven on one day last week alone). It may be more, I've never kept a proper count.   2. No, never.   3. No, never.   Now it could be of course that I have been particularly fortuitous and that all the makers of those SDs were paragons of virtue and/or that all the Magistrates concerned were exceedingly gullible and believed everything they were told without question. On the other hand it could be that during their training the Magistrates were instructed that when hearing an SD they were simply witnessing that it had been made before them and that they were not testing its truth. I imagine they were either shown or have probably seen since a copy of this form which is completed before making an SD:   https://www.justice.gov.uk/courts/procedure-rules/criminal/docs/2014/crim-pr-form-part37-statutory-declaration-revised-feb-2014.pdf   In the "Notes for Guidance" is this:   "Under the Statutory Declarations Act 1835, the defendant’s declaration can be made before anyone who is authorised by law to hear it (e.g. a solicitor), or before any Justice of the Peace (a magistrate or District Judge (Magistrates’ Courts). The person who hears the declaration need not enquire into the truth of it. That person’s function is limited to hearing the declaration, and certifying that he or she has done so by signing it. If the declaration turns out to be untrue, the defendant making it may be punished for perjury."    The bold type is my emphasis so I think I know which of my two scenarios above is more likely. I hope this wasn't too rude or arrogant for you and  I'll leave it at that now. But I will ask you (politely) once again to please stop providing misleading information to people who have enough to worry about. It confuses them, others have to correct it and it leads to unnecessary stress for the posters.
    • Thank you for your help, just to clarify please. In the CPR 31:14  request do I just ask for 1. the agreement .....etc and delete the the items 2. to 6. as listed since these have already been sent to me by the claimant (btw the 'solicitor' is IDEM's litigation dept) or do I ask for all the documents again as they are part of the 'Particulars of the Claim'    Thank you again
    • As its council tax, they have no right of entry, so don't let them in, and they cannot force entry nor  climb through windows, but cn walk through unlocked door  They have no right to snoop into your bank accounts, and would be in serious trouble if they did.  I'm sure others will be along soon with further advice/suggestions.  Did you apply for Council tax Relief, if not do so NOW, and get your local council member involved pronto as in now.
    • Sorry its so complicated right now.... totally temporary but totally complicated.  I just dont want bailuffs knocking in the interim, thats my main concern. The standing order is going out still to Lowell,  what was happening was other things were going out the same date and that was leaving not enough money in the bank to pay lowells SO.....hence it looked like Id just stopped paying, hence CCJ. It went out last month and again this month though.
  • Our picks

deagotta

Lending Stream drained my JSA paid into bank account

style="text-align:center;"> Please note that this topic has not had any new posts for the last 2495 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

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.

Share this post


Link to post
Share on other sites

own thread created

 

dx


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 

 

Share this post


Link to post
Share on other sites

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 

 

Share this post


Link to post
Share on other sites

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???

Share this post


Link to post
Share on other sites

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...

Share this post


Link to post
Share on other sites

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.

Share this post


Link to post
Share on other sites

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...

Share this post


Link to post
Share on other sites

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

Share this post


Link to post
Share on other sites

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.

Share this post


Link to post
Share on other sites

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

Share this post


Link to post
Share on other sites

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...

Share this post


Link to post
Share on other sites

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.

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...