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    • In 2004 myself and my now ex husband went into Lloyd's for a consolidation loan, based on a loan and credit card he had taken out. He was in the navy and I worked part time and was a full time mum. As he had debt and I did not, we were told for a lower interest rate they could give me a loan based on his wages. The loan was for £22000 and paid for his previous loans and an £8000 credit card he had. The loan was in my name alone and he made the payments from his account. In 2007 he was medically discharged from the navy, I called Lloyds and attempted to make a claim on the ppi, I was told that as the loan was in my name I was unable to. I argued that the loan had been in my name alone and that it had all been based on his wages. I ended up going to the financial ombudsman. Eventually Lloyds agreed to pay the ppi, this only lasted 12 months. At the time we were in no position to pay as he was not working and I was a student. I came to a repayment agreement with Lloyd's. All interest was stopped and the agreement plan continued. This continued until I got a letter from robinsons way saying they had taken over the loan from Lloyd's. In 2013 my ex and I split, leaving me as I see it with his debt and which he refuses to take responsibility for. I have continued to pay robinsons way whom I recieve letters from, I also get 6 monthly updates from Lloyd's on how my debt repayments are going. I would like to challenge this as a misold loan and I hoping someone reading this can point me in the right direction   Thank you for reading.
    • have you bank statements prior to 6yrs   dx  
    • looking at the comms log sheet.   it reads to me that PPI must have been activated before the card was even approved!!   13/10/2003 [the supposed date of the phone call] Decision is REFER 20/10/2003 application pending.   2003/11/11 decision is accept.   sorry but how can someone sign you up to PPI when the credit card the PPI will protect is not even approved   they have LIED that the phonecall 13/10/2003 was to activate the card, it WASNT, the card application was not accepted until 1 month later 11/11/2003   which tallies with no PPI charges till 17/12/2003    PPI                        £0.85    the 1st bill after activation  
    • I notice that on their PCN under the Parking Charge Amount it states "    PAYMENT TO BE MADE WITH 28 DAYS OF DATE ISSUED: 11th July 2019  when what they mean is that payment is to be made   WITHIN 28 days. Does that invalidate the PCN as not only is it totally meaningless but does not comply with the legal wording either.            " "
    • Following copied pasted from credit file all personal info removed   LENDER BALANCE UPDATED STATUS   Lowell £ 246 09/07/2019 Default   Account type Mail Order Account number ;i;;;;;;;:;::6995 0       claim form= P9323927 Account start date 26/04/2013 Opening balance £246 Repayment frequency Monthly Date of default 31/01/2014 Default balance £246   LENDER BALANCE UPDATED STATUS   Lowell 1,319 09/07/2019 Default   Account type Mail Order Account number ;;;;;;;;;;;;;7001 0         claim form= Y8900056 Account Start date 19/10/2012 Opening balance £1319 Repayment frequency Monthly Date of default 29/01/2014 Default balance £1,319   LEN DER BALANCE UPDATED STATUS   Lowell £1,209 09/07/2019 Default   Account type Mail Order Account number i;i;::;i:;;:i;4533 0       claim form= 105540308 Account start date 21/09/2012 Opening balance £1,209   Many thanks Trace Repayment frequency Monthly Date of default 25/05/2014 Default balance £1,209 As you can see numbers on all claims totally different in last 4 figures Have further checked accounts for Littlewoods and no payments to that name exist from any bank account      
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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.

 

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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..

 

 

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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.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

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

 

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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 :(


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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


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

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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

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 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


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

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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

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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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