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    • I think it is too difficult for any party leader to negotiate withdrawal from the EU on their own. It will always be a cross party task, unless there is a General Election and the country gave the the Tories a big majority. But at the moment that is very unlikely.
    • 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        
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    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
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    • 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....
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    • 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/
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    • 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
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seadog01

Money taken by PDL from partners A/C Natwest REFUSE to refund **REFUNDED**

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Can someone help with this

 

Today cash genie took out £170 from my partners bank account for an unpaid loan last year.

 

 

The money was actually mine and was two weeks benefit money that I had asked the dwp put into her account as I do not have one

and they will no longer pay by Giro Cheque.

 

Natwest bank won't act and the loan company will not reply to my E-mails.

 

Where legally do I stand ?.

 

Thank you

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They actually took over two hundred pounds without warning in 3 blocks.

 

 

and got her card details as she applied for a loan with another company last week.

 

 

can I see a solicitor and charge them for said solicitor plus apr etc?.

 

 

They used her Visa Debit card the loan was in her name.

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I sent C G this E-Mail today they will not answer nor will they answer the Complaints line

Dear Sir/Madam

 

Today 21/11/13 you took £170.00 of my cash from my partners bank account

This money is benefit money I had paid in as I do not have my own account.

I can and will prove this fact.

That is by law the minimum the government allows for me to live off

I Insist you return said monies today.Take Notice legally as I can prove the money was taken unlawfully I will be charging you £100 Per hour for my time and an APR yet to be determined.

Plus any legal costs incurred to retrieve this sum.If I have to seek a solicitor tomorrow.

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I have merged your three threads here. Please keep to this one thread for this issue.

 

The guys will be along to help as soon as they are available.


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Tell your bank to do an immediate chargback for an unauthorised transaction. Ignore the front line phone reps. Speak to a senior manager.


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

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renegadeimp

It was not my Bank and even the fraud Department at NatWest were unwilling to help sort it out.

 

 

I am not up to speed on these matters but I deem this transaction as unlawful

 

I did send CG this E-mail but never received a reply.

 

Dear Sir/Madam

 

Today 21/11/13 you took £170.00 of my cash from my partners bank account

This money is benefit money I had paid in as I do not have my own account.

I can and will prove this fact.

That is by law the minimum the government allows for me to live off

I Insist you return said monies today.Take Notice legally as I can prove the money was taken unlawfully I will be charging you £100 Per hour for my time and an APR yet to be determined.

Plus any legal costs incurred to retrieve this sum.If I have to seek a solicitor tomorrow.

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The transaction was unlawful and unauthorised. Thats why CG took the amount in multiple amounts.

 

You wont get a reply from CG as they took it unlawfully. As i said, your bank is wrong and you need to be firm with them. You wont get £100 per hour either from them as costs/compensation. The most you will get is the current LiP rate, and maybe a few admin costs.

 

Also, how did they get your partners account details for YOUR loan?


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

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Hi

It was not my loan it was not in my name .

 

 

It was a loan my partner took out in 2012.

 

 

I was Unaware of Said loan...

 

 

. It also transpires they (C.G) have been trying to do just this for some time and prompted temporary freezes on my Partners account.

 

Nat West failed to contact my partner to let her know that this was going on ..

... Naughty or Complacent I don't care

 

 

I personally have called NatWest half an hour ago to get the transaction frozen until the morning but Khofi In India is unable to do that.

 

So how much can I charge them bearing in mind I am suffering sever Depression and under the GP for this...:sad:

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You can only charge them any loss you have incurred as a result of their actions.

 

 

You cannot make up any figure and then add interest to it.

 

I suspect that they took the money in 3 tranches because they wanted to make sure that the amount they claimed would be paid.

 

 

I note that GM have tried to take money before so I daresay that GM would have asked for a fourth time for their money

 

 

.If they didn't it would leave one to suspect that GM knew how much money was in the account................................

 

In addition, it might be difficult to arrange a cancellation of those transactions because the money was owed by your GF and it was in her account.

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I am phoning the DWP tomorrow UK Law states that's the minimum I can be paid to live off also I believe money within a Bank legally belongs to the Bank its in until withdrawn Is this correct?. C.G Have apparently been trying for many months to take money but my partner had stopped the card, She applied for another loan with her new details , Hence CG obtaining them leading to the events that I have outlined

I will update further after I make a few telephone calls tomorrow I am lets say a wee bit naffed off ATM....:-x

 

Thanks for all the advice given thus far I appreciate the help.

Edited by seadog01

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sorry that all wrong

 

 

you MUST phone the bank and get a chargeback done on the first transaction

 

 

then ask for the CPA to be cancelle on the others.

 

 

this is the LAW NatWest CANNOT refuse it.

 

 

it was NOT your loan matters not where the money went

they have NO RIGHT TO THIS + 12mts later.

 

 

get action fraud involved too.

 

 

PHONE NATWEST NOW AND DEMAND A CHARGEBACK AND CPA..


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

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Who was the company your partner applied to for a loan last week - I am interested to know how Cash Genie got the bank details from a different company??


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The other company are Bonga Loans.... but on investigation Cash Genie have 9 other companies . I may be able to get the monies back according to the FSA it will take 8 weeks or more. NatWest will not discuss it with me I told them I am logging complaints against both them and CG.

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Natwest are wrong. Time for a full complaint. Perhaps use 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

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If Bonga Loans don't mention on their website that they are part of Cash Genie - report them to the OFT. You should easily be able to see that they are affiliated. These sub companies are usually set up by the main lender in order to trap people who owe them money into applying for a loan with the smaller company so they can then get new bank or card details to recoup the old loan. It's despicable, but then that's the filthy industry of payday loans :(


Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

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you really need to nail NatWest on this issue.

 

 

ask them the direct question..

 

 

were these payments taken under a cpa?

 

 

if they were , THEY MUST refund you

 

 

http://www.fsa.gov.uk/pages/consumerinformation/product_news/banking/know_your_rights/solving/index.shtml

 

 

see the new june 2013 instructions to banks

 

 

dx


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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

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Thanks for all the information I will update on Monday with a progress report :|

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Thank You all for your advice

 

Today NatWest are refunding all monies to clear in the account by 18.00 and issuing a chargeback to recover the sums from Cash Genie.:whoo:

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That is good news. It is about time that the banks are at long last getting the message. Well done for your perseverance-I'm sure it wasn't easy to get them to change.

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Actually it was fairly easy apart from having to study their own T&C's and threaten to take it further. Once I found out the I had a case from you guys and elsewhere and what course of action to take. It took less than five minutes on the phone.Oh I got interest and expenses back too lol. :-D

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then it might be an idea to expand on how you did it for others?

 

dx


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

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Ok

 

Firstly I researched NatWests T&C's that state A CPA can be stopped.

 

Which they failed to inform my partner.

 

I then told them to issue a chargeback as the transaction was unlawful for several reasons as outlined above.

 

I mentioned my displeasure that even though CG had attempted this many times activating Natwests own anti fraud software

nobody had the decency to inform my partner what was going on.

 

And I also let them know I would have gone to the ombudsman and beyond over the issue.

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good point, never used that , the anti fraud software

 

gonna include that in the advise.

 

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

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