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    • claim letter sent as an email with signed PDF attached. Now waiting for a response....
    • Look at some respected Viral epidemiologists working on this new virus on Twitter versus the crazy unverified reports of people 'dropping like flies'. Plenty of conspiracy theories from people trying to sell books too.   It's widely thought that some of the increase in cases is due to not having tests available at the beginning, and that there are large numbers of people who had mild symptoms, that never got detected.  Therefore it's likely that the mortality is much lower than thought. Also think about how many people are lining up in hospitals who might only have a cold but are terrified from all the panic.   However all are urging caution, that much more will be revealed over the coming weeks as the infections accelerate.   It is terrifying to see a city on lockdown, but also worth understanding even a 0.5% fatality rate in China is 10's of millions of people. That's why they are acting like it's a Hollywood disaster movie.    
    • Hello, can anyone help please?   As part of new City regulators affordability rules I'm about to have my barclaycard (£6000 balance) taken away from me as I'm only meeting the monthly payments and never clearing down the balance. Barclaycard wrote to me and asked for £750 a month which is way out of reach on my income.    Having been around this site for many years I'm very reluctant to speak to them, does anyone have any advice on how I should proceed here? This card is around 5yrs old and I'm committed to paying off the debt. Stopping the interest and agreeing a payment plan would suit me but will they go for it? Should I let it default and just deal with the debt agency?    Any advice would be most welcome.   many thanks
    • Thanks for the revision.   The other odd thing is that the recorded delivery letter I sent to the alleged recipient has never been signed for -  the tracking simply states 'we've got your item' although it was sent 1st class on Wed 22nd - it's now the 28th.  So I can only conclude that it was refused 
    • Thank you for all your help and advice, I do appreciate it.   I think really I just need to understand why, after going to all the effort of obtaining a warrant, Spark or Marston's wouldn't do a quick check on the electoral register to see who lives here.  If not there seems the potential for them to be breaking into homes without the correct information all the time.  If there were a debt from another previous tenant that I am unaware of then using that logic they could obtain another warrant and enter again could they not?   This has left me very upset and shaken and unfortunately echoes the same feelings as being burgled a few years ago.  I really hate the thought of someone I don't know having been in my home when I'm not here.   I'll just follow the complaint procedures with the energy companies and see where I get to and try not to shout at Spark when I open the accounts to clear the balance.  The balance I am talking about clearing is mine as Spark tell me they've been supplying the property since November, not either of my preferred suppliers so I have no choice but to give them money.  I really don't feel like giving them anything under the circumstances but I'm certainly not going to do anything to make the situation worse!    
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Hi, I had arranged a repayment plan with WDA. However, I was paid late and missed the deadline.

 

I contacted them telling them this and that I fully intend to make the next payment as planned and carry on with the plan.

 

They sent me a statement and they had in the meantime added £300 to my account!

 

I replied saying I will now not continue with the plan until the balance is reverted to what we agreed in the payment plan!

 

They didn't reply. And today is payday and they have somehow without my knowledge or agreement have set up a direct debit and taken money out of my account - for the agreed sum, but I don't want to pay them anything until I can confirm that the balance is what it was originally!

 

Is it too late to get this payment reversed back into my account?

 

What should I do next?

 

WDA aren't responding.

 

I had 2 months ago banned them from taking money out of my account with my bank but obviously this must have expired!

 

Any help would be great]

 

Thanks

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Call your bank and do a direct debit reversal. Under the direct debit guarantee.

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Also, ignore the £300. Its an unenforceable charge. As for expiry on telling them they cant debit... thats the first ive ever heard of it. It lasts until you tell them they can.


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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Thanks.

 

Do I call the fraud department?

 

Or should I call the visa card department? (The one I called to block them in the first instance)

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Just contact your bank and invoke the DD guarantee as the DD was TOTALLY set up without your knowledge or authorisation. You could get teh fraud department involved as well.


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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Thanks man, I might just go inside the bank tomorrow rather than on the phone.

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Make sure to speak to the manager and not the desk rep. get everything confirmed in writing before you leave.


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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Will do.

 

How do I proceed with WDA? I wanted to make the payment today anyway. But only paying against the total sum I actually owed not with the £300 added!

 

And we also agreed I paid by standing order not just robbing my account.

 

How can I get this sorted?

 

do I just pay them? or do I need written confirmation that this extra £300 isn't going to charged permanently to me?

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You stick with what you are already doing. Get the money refunded, ignore the bogus charges, and when the money is back in your account, get a full complaint going.


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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A complaint to them or the omburdsmen?

 

And how to continue actually repaying the debt once the money is refunded?

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Complaint to the lender. Ombudsman wont get involved until the lender issues a final response. They also shouldnt sell it on while a dispute is ongoing. If they do, you can get it sent straight back.


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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Thanks man.

 

How should I phrase the letter?

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Just state clearly what they have done wrong, why you are maing the complaint and what they can do to rectify/resolve the complaint. keep it short and simple. There are no templates as each complaint is unique. If you need help, post up a version of your letter and we can help with it.


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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