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    • Can anyone help me. I am stuffed.    PayPal allowed me to deposit £4.4k into a gambling website when I had no cash in my bank.    It was the final straw and so I came clean with the wife and joined GA.    I didn't even think to search on the internet, despite how wrong Paypal's actions seemed to me.   This was a few weeks ago and I suffer with depression and anxiety, so all of this just crushed me.   I wake up every day and literally beat myself up.   After a lot of intervention and love I am able to lift my head out of the sand and address what has happened.    Here's the issue:  My wife was getting texts from Nationwide daily saying '£1,700 is due out of your account tomorrow' and so she found the money, and transferred it in.    We took on debt of £3k and Paypal have managed to get their hands on c£4k.    My Paypal balance is now -£420.   I initially posted this in the wrong place and dx kindly offered some advice.    yes I would get all the payments back from NW under chargeback and remove that account as a payment method to PP as well as you say via CPA..   I am not embarrassed to say that I don't understand how this works and the call to the bank is filling me with dread.    What do I need to say to the bank when requesting a charge back? Does this fall under unauthorised transactions?   PayPal aren't letting me remove the bank as a payment method atm.   Trying to not get my hopes up as this would be so huge for me and my family.    Truly grateful for any help.    Pierre  
    • Thank you so much for the reply and apologies for swearing. Will start a new topic.   Pierre
    • you need to create a new topic of your own please   hit create in the top red banner. please don't swear either..post above edited.   yes I would get all the payments back from NW under chargeback and remove that account as a payment method to PP as well as you say via CPA..   dx  
    • Can anyone help me. I am stuffed because of this exact thing.   I was allowed to deposit £4.4k into a gambling website when I had no cash in my bank.    It was the final straw and so I came clean with the wife and joined GA.    I didn't even think to search on the internet, despite how wrong Paypal's actions seemed to me.   This was a few weeks ago and I suffer with depression and anxiety, so all of this just crushed me.   I wake up every day and literally beat myself up.   After a lot of intervention and love I am able to lift my head out of the sand and address what has happened.    Here's the issue:  My wife was getting texts from Nationwide daily saying '£1,700 is due out of your account tomorrow' and so she found the money, and transferred it in.    We took on debt of £3k and Paypal have managed to get their hands on c£4k.    My Paypal balance is now -£420.   Nationwide are closed now I will call in the morning to cancel the CPA / DD.   Do I log a fraudulent payment claim against all of this? Or do I not have a leg to stand on now that I have paid? Should I contact the financial ombudsman?    Any advice would be appreciated.   I have payday loan repayments of £1,800 a month atm. and £4k would clear the majority of that debt... I have a 7 month old daughter and my Wife is on maternity etc. etc.   Suffice to say that the situation is dire.    Thanks if you read this far.   Pierre        
    • ring the clerk  ask what was wrong.   I think I know but not sure.   dx  
  • Our picks

    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 3 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      http://www.fsa.gov.uk/pages/Library/Communication/PR/2010/120.shtml
      http://www.fsa.gov.uk/pubs/final/redstone.pdf
      http://www.fsa.gov.uk/pubs/final/db_uk.pdf
       
      http://www.fsa.gov.uk/pages/consumerinformation/firmnews/2011/db_mortgages.shtml
      Do you have a mortage arears claim to make? Then post your story on the forum here
        • Like
      • 0 replies
lesly

rollovers issue **WON REFUNDED IN FULL**

style="text-align:center;"> Please note that this topic has not had any new posts for the last 2107 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

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Hi guys..

..For ages I have been getting excellent advise from this forum, but this is my first time posting on here.

 

I just wanted to share my dealings with Cash Genie.

 

After finding this page, I finally had to guts to do something about it rather than just letting Cash Genie rip me off every month!

I stupidly applied for a loan of £200 originally in December...just some extra cash for Christmas.

 

I had received the sameT&C's as posted on here. So i assumed that Cash Genie will take the £60 interest first

and the next month £200 to recover the full amount borrowed.

 

however this was not the case and Cash Genie had infact withdrawn £60 every month since December!

 

After seeing a few posts on this thread I took action,

 

I emailed the customer services department the following

 

Dear Cash Genie,

I would like to make a formal complaint on the basis that you are in breach of your customer charter and therefore in breach of CPUTR 2008.

I would ask to be refunded the extra £280 that you have unlawfully withdrawn from my account since January 2013 of £60 amounts,

when my original loan was £200 + £60 interest.

 

Clearly stating in your terms and conditions that first payment of £60 will leave my account and the second payment of £200 to pay the balance in full.

 

I withdraw your authority to take regular payments from my bank account

 

.Please note that I will only discuss this via email.

I will not call any number or wish to be bullied by your collections department.

 

Under no circumstances do I give you permission to call my work or send letters to my home address.

I do not wish to be contacted on my mobile phone number either by text or phone call.

 

If you do constantly text or call me this will be seen as harassment and a log of all the calls and texts will be sent to the OFCOM a

nd the OFT which means you will be liable to a substantial fine.

 

As it would put you in breach of section 40 of the Administration of justice act 1970 and the protection from harassment act 1997

and also the communications act (2003) s.197 Any calls from your company will be recorded.

 

I hope that you will be able to resolve my problem quick.

I look forward to hearing back from you shortly.

 

I got a reply the next day from a guy named Paul Geary

 

Dear Ms XXXX,

Many thanks for your email below and for raising the details within relation to the collection of the interest each month.

I have reviewed your loan agreement and can agree that you have paid the interest each month with no capital being collected,

 

our system shows that we had attempted to collect the funds from you in order to clear in full but they were not available.

 

I am investigating this further to understand if there were any issues which meant that only the interest was successful

and not the capital but in the mean time I can agree to refund the over payment

 

Please can you provide me with the following information to ensure the refund is processed correctly.

Bank Account Number:Sort Code:

 

Upon receipt of the above information, the refund will be processed as soon as possible.

 

If you wish to discuss direct with myself then please do not hesitate to call me.

Kind Regards Paul

 

My response

 

:Dear Paul,

Thank you for your email response.

I can assure you that full funds were never processed to be collected from my account as I have spoken to my bank manager regarding this matter.

The only amounts that kept being withdrawn were the interest payments.

 

I would accept a refund, please find below my account number and sort code:

XXXXXXXXXXXXXXI look forward to receiving the funds in my account shortly.

 

Should I have any problems I will contact you directly.

 

I then got 9 separate emails from Cash Genie the next day saying my account had been cancelled

- I'm assuming 9 = 9 months they have kept rolling over the loan without my consent and without contacting me!

 

So i then emailed Paul again

 

Dear Paul,

Please note that I have received a few emails from Cash Genie stating my account has been cancelled which I am happy about,

however I still don’t appear to have received a refund on my account?

Please could you advise me on when I will receive these funds.

 

I got this response:

 

Hi,

The funds will be with you within the next few hours, if you have not received the funds by 11 please come back to me.

Paul

 

So I am not checking my bank account every 30mins-

1 hour to receive my funds back!

I will let you know what happens.

 

Thanks guys for the greats responses you posted on this thread..

 

.they helped me alot when contacting Cash Genie

Edited by lesly

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Sorry guys but I dont know what's happened to my post above.....looks very messy! Sorry

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own thread created


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

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Thanks! Just a quick update I got my refund :) yay!

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