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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  
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    • 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
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Hi,

I hope I have posted this in the rigjt place.

 

I wonder if anyone can help me.

 

I was served a default notice by Nationwide in December of 2007 for arrears on a personal loan account.

 

I eventually managed to bring the account up to date but in 2011 defaulted again

and was served a default notice in July 2013.

 

I have read on other threads that an account can not be served with more than one default notice.

 

Is this correct ?

 

if the account was brought up to date then defaulted again?

 

I have the paperwork for both defaults which state different amounts being owed but for the same account.

 

Also if it is correct that I should only have one default

then what should I do to get this changed on my credit file?

 

I am working hard to pay off the amount still owed and also on another couple of debts.

 

I have 3 defaults in total on my CF

but the other 2 are 3 years old so I am half way to cleaning my file.

 

Another question that I have is that

 

it will probably take me another 3 years to clear the debt,

will the monthly DF on my credit file mean that even in 3 years my when the DF fall off

I will still be in a bad position as the debt will only just be paid?

 

Sorry for the multiple questions.

 

Any help would be very much appreciated

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All references to a defaulted debt must be removed from your credit files after 6 years has passed from date of default,

whether paid off or not.

This is so that someone who continues paying something even after 6 years from default should not be at a disadvantage

to someone who pays nothing after default and ends up with a clean file after 6 years.


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Hi thanks for the reply, the 2007 default is not showing on my CF but the 2013 one is. So can they do that? Serve 2 defaults on the same account?

 

Essentially it looks like they have defaulted me twice, but only the 2023 one is on my CF. Is this because I defaulted then brought the account up to date then defaulted again?

 

*2013 not 2023 obviously :-D

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they cant change the original defaulted date.

 

so if it was defaulted in 2007

and you did not rectify that default in the first 14 days

it would have been registered.

 

when that default reached its 6th birthday the account should have VANISHED

 

complain to them.

 

dx


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Wow so the account should be closed and the debt no longer exists?

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no the debt just should not be showing

 

just because a debt is not on your cra file

 

does not mean it does not exist

 

dx


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Ok you're probably right.

 

I really need some advice on my debt and where I stand with it all.

 

Could you recommend an organisation that can help?

 

I need to know the best way to clear this debt.

 

One is for an overdraft and I am so I am not even sure how much the monthly repayments should have been.

 

I am getting married this year and I really want this all delt with so I can start a fresh

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tell us about your debts please.

 

dx


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£850 to M&S credit card,

 

£2240 to Lloyds TSB over draft,

 

£1994 to Nationwide (this is the default account)

 

was made redundant on medical grounds in 2010 due to brain tumour and couldn't pay.

 

Back working full time now.

 

M&S and LTSB have defaults from July and October 2011.

 

I want to know the best way to tackle all of this debt so that I can get my credit performing again as quickly as possible.

 

Any help would be great.

 

No PPI owed on M&S or Nationwide and can't see anything on LTSB that would suggest ppi on the overdraft

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there p'haps light on the NW default situation.

 

but the other two

theres little you can do to get them removed.

 

have you paid anything on any of them since when?


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I am on a very small repayment plan but it is only £5 a month on each so

 

I will be very old before they clear at this rate.

I am in a position to increase.

 

When I look at my CF it shows as DF each month on these accounts.

 

Would it be best to get them satisfied ASAP or does the monthly df not affect as badly as the main default?

 

I was thinking that if I satisfied them all as soon as possible then it would help then just 3 years till the remaining df notices fall off.

 

I would need to borrow that money from family if I was wanting to pay it all off immediately

and I am not 100% sure that would be an option.

 

I just want to know whether it matters how quickly they are paid now so long has gone past - in terms of my CF

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the killer will be the default date in each debt summary.

 

it will matter not what you do

 

paid or not

 

the default remains for 6yrs

 

on the defaults 6th birthday

the WHOLE ACCOUNT VANISHES

paid or not.

 

if you three debts all have defaulted dates in their summary line

paying them off wont improve anything on your rating.

 

bottom line sadly.

 

are these all still with the original creditor & not with DCA's?

dx


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Hi Sorry I wasn't alerted that you responded.

 

All accounts are now with DCA's. So

 

if I understand you correctly,

I should just remain on the payment plan that I have as no matter what I pay for the next three years it is not going to improve or worsen my CF?

 

Then I will just continue to pay them the £5 a month if that is the case.

 

Also could you point me in the direction of who to write to, to have the default notice date changed back to the 2007 date on the Nationwide Account?

 

Thank you so much for all of your help,

 

this site is so amazing!

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if all your accounts are with DCA's

I would seriously consider a CCA request to everyone of them.

 

in relation to the default date issue

you need to complaint to nationwides compliance manager.


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Please excuse my ignorance/ stupidity but what is a CCA request and why would I need to do it?

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click it and read

 

if whom you pay do not hold the required signed agreements then they have no legal right to demand money from you.

 

DCA's are NOT BAILIFFS

and have

 

NO SUCH BAILIFF LEGAL POWERS


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Right, great I will get on to that. Thank you very much this is a great help. Would this apply to the overdraft as well?

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sadly no

 

who are the DCA's you are paying please

 

and when were these debts originally taken out and with whom? [original creditors]


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I am paying KMPR (I think) for Nationwide, Acktiv Capital for Lloyds TSB (Overdraft) and BMS for M&S credit card

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KPR are nationwide

 

urn AK eh..well known cash cowers ..we call them A Kleeners.

 

BMS a name I've not heard in years.

 

who's listed as the owner on the cra file for the M&S card?

 

looks like an SAR might be in order to each ORIGINAL CREDITOR too

 

if theres penalty charges involved here


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Penalty charges....repeating my stupidity here :???::oops:

 

Oh the BMS has been sold on to Idem Capital Securities

 

Strangely the Nationwide account is still showing on my CF as being with Nationwide but I have letter from KPR showing them as having the debt. I am getting this information from Noddle.

 

So to be clear,

 

I should send CCA requests to KPR and Idem Capital Solutions?

 

I know that M&S don't have a copy of the original signed agreement as I sent them a SAR last year

and all they could supply me with was print outs of statements historically.

 

I am not sure about penalty charges though.

I am pretty sure all of them put penalties onto my accounts for non payment.

 

Also should I be double checking the dates of the defaults?

 

I have no paperwork from any of the other ones showing that they were going to default my account.

 

I am very good at keeping paperwork and I have both DF notices for Nationwide....

 

The M&S card was taken out around 2002,

 

the Nationwide loan was 2005 and

 

the Lloyds TSB account was from 2004...

 

What should I do about the Lloyds TSB overdraft..

.nothing?

Edited by dx100uk
merge

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for whomever you are paying the M&S card to..send a CCA request.

 

sadly I think on this I think you are being cash cowed.

 

......................

 

as for the Lloyds OD now owned by AK

pers i'd stop payments, but that's your coice

 

if LLoyds sold it years ago

no doubt its 90% bank charges

typical for Lloyds to sell these on

 

i'd start a new thread in the Lloyds forum for this one

then we can get the paperwork up.

dx


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Sorry what do you mean by cash cowed?

 

I will send a CCA to M&S,

 

should I also do this for Nationwide?

 

How can I just stop the payments to AK?

 

Will they not come after me?

 

I was very seriously ill and the debts defaulted because I was made redundant on medical grounds with a brain tumor.

 

The debts have caused me to have serious anxiety to the point that I am now agoraphobic.

 

I am scared of these companies and what they will do to me.

 

I couldn't cope with the letters and phone calls starting again....

Edited by dx100uk
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Sorry what do you mean by cash cowed?

paying for a debt that does not legally exist.

 

I will send a CCA to M&S,

you said you were paying BMS?

who are you sending the money too?

 

should I also do this for Nationwide?

you cannot CCA a bank account.

 

How can I just stop the payments to AK?

if they have been fleecing you blind you can!

 

Will they not come after me?

 

seems to me you've fallen for the oldest trick in the book

scary threat-o-grams that say everything bar WILL anything.


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Wow ok....this helps. Nationwide was a personal loan not a bank account. Lloyds was a bank account

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