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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Are Immediate Financial doing me over?


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Hi dx100uk, glad your on bored.

 

 

I hope I can claim the charges IF have charged me back, because I don't think there fair because they didn't save me any money and also got a lot of defaults on my credit file. Only started getting a lot of defaults after I signed up to IF.

 

 

I'm not sure if there is a closing fee, I'll upload the terms and conditions if you want to look to see if I can claim them back.

 

 

And to answer your next question,

 

 

I have a copy of my account statement that shows all the payments. here's the list of what I paid them, then what they did with it.

 

 

What I paid them,

30/05/2014, POS, Receipt £80

01/07/2014, DD, Receipt £80

01/08/2014, DD, Receipt £80

01/09/2014, DD, Receipt £80

Total: £320

 

 

What they did:

04/06/2014, BAC, Retail Credit Management LTD £1.00

04/06/2014, BAC, Immediate Financial £75.00

04/06/2014, BAC, Quick Quid £1.00

04/06/2014, BAC, Payday Express £1.00

04/06/2014, BAC, Arrears Collection Department £1.00

04/06/2014, BAC, Easy Loans £1.00

 

 

09/07/2014, BAC, Retail Credit Management LTD £1.00

09/07/2014, BAC, Immediate Financial £75.00

09/07/2014, BAC, Quick Quid £1.00

09/07/2014, BAC, Payday Express £1.00

09/07/2014, BAC, Arrears Collection Department £1.00

09/07/2014, BAC, Certegy Ltd (FIS) £1.00

 

 

06/08/2014, BAC, Retail Credit Management LTD £1.00

06/08/2014, BAC, Immediate Financial £75.00

06/08/2014, BAC, Quick Quid £1.00

06/08/2014, BAC, Payday Express £1.00

06/08/2014, BAC, NCO Europe (Shop Direct) £1.00

06/08/2014, BAC, Certegy Ltd (FIS) £1.00

 

 

10/09/2014, BAC, Retail Credit Management LTD £1.00

10/09/2014, BAC, Immediate Financial £75.00

10/09/2014, BAC, Quick Quid £1.00

10/09/2014, BAC, Payday Express £1.00

10/09/2014, BAC, NCO Europe (Shop Direct) £1.00

10/09/2014, BAC, Certegy Ltd (FIS) £1.00

 

 

What bounced:

01/10/2014, DD, Receipt £80

02/10/2014, BAC, Receipt Bounced £80

03/10/2014, DD, Receipt £10

04/11/2014, BAC, Receipt Bounced £10

 

 

Thanks

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

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that's appalling

£320 in but pretty std for DMC's sadly..

 

£300 to IF

 

£20 to your creditors.

 

I suppose they claim the £300 Is your 'pot' for offering F&F's later in the plan

tat everyone forgets to ask to do so they pocket the fund.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I know it is, you should see my credit file after all this mess happened.

 

They have said they're going to pay me back £160 but I don't get there "Illustration of Debt Plan as of 3rd December" it says:

 

Amount Client has paid into plan: It says in the in box £420

Set up fees: out box 0.00

Monthly token payments of £1 to creditors: out box £20

Bounced payments: in the out box says £90

Closing fee drawn (150 of this is an outstanding invoice yet to be taken) in the out box says £150

Totals in the out box says: £260.00

 

Amount In Settlement Account (due to be taken for remaining 150 closing fee and £10 SAR request: £160

 

So firstly I don't see how I've paid in £420 because their statement only says £320,

think I'll check my bank to make sure.

 

 

Only thing I can think of is they counted the bounced payment into the total.

 

Do you think I have a chance to firstly,

work out what to do with Certegy Ltd and Retail Credit Management?

and secondly if I have a chance in claim the charges from IF to?

 

Thanks

Andrew

 

that's appalling

£320 in but pretty std for DMC's sadly..

 

£300 to IF

 

£20 to your creditors.

 

I suppose they claim the £300 Is your 'pot' for offering F&F's later in the plan

that everyone forgets to ask to do so they pocket the fund.

 

dx

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

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well if I were to be honest

it matters not they've paid that debt 'twice'

its only a few Quid.

 

 

dunno about the charges

 

 

you keep indicating the CRA file is naff.

if they've gotten all the debts under them defaulted & interest free now

they've done something for you...

 

 

don't understand about this £150 closing fee mind...is it?

 

 

if they are going to give you a £160 pers I'd grab it and run.

 

 

dx

 

 

 

 

hence

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

The reason I wanted to know what had happened is because I only owed £484.20 to the debt Certegy Ltd and Retail Credit Management are asking 501.12 each for.

 

And both DCA are the same company so they must be trying something since there asking for same amount for the same debt.

 

And do you mean even thou what they have done has caused me to be defaulted on my credit file,

since they got the interest stopped. I can't get them removed?

 

And it says on the Settlement Account Statement that each £75 left after the token payments where took. Has a £37.50 closing fee.

Since I made 4 monthly payments I've had 4 £37.50 closing fee's.

I'll upload a copy encase I've missed something.

 

And the £160 is because and I quote, "Looking through your file I can see that you had previously requested £150 back

when you terminated your plan in an email dated 4th November.

 

 

Your closing fee was £300, an addendum was attached to your terms and conditions when they were sent out.

I do not have a copy of this.

I have therefore made the decision, as a goodwill gesture to close your account to refund the £160 in the plan to you.

 

 

I have filled out a refund form and will send it to the payment details you gave in your email in the next seven to ten days.

 

 

Please let me know if you are happy that resolves any issues you may have had. Call me on ************ with any questions."

 

 

What do you think of what he's said?

 

 

Thanks

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

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if they have gotten defaults on your file

in all honesty that's good for you

as the debts will vanish on the defaults 6th birthday paid or not

if they have gotten the creditors to freeze interest that's good too.

 

 

so hes claiming they have 'saved you money'?

 

 

so they've settled some debts?

 

 

if not I cant see how they can charge £37.50 each for their successes!!

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Are I didn't think of that dx100uk,

 

 

There are late payment defaults for Payday Express and Shop Direct. my other creditors are no where to be seen on my credit report, but I've only checked Equifax.

 

Shop Direct got it the most with as much as 5 late payments in one month. I'll upload a copy so you can see.

 

 

They said they was going to try and settle Quick Quid, but that was what the £150 was for, so they can't of if there paying it me back.

 

 

That's why I want to know if I can claim them back because I won't mind if they did anything but by the looks of it they haven't.

 

 

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

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get 'em back if tyou can prove they did NOTHING for you.

 

 

its a tissue of lie to try and spoof you.

 

 

I can see no successes anywhere there.

 

 

just lines their pockets so they can drive posh cars.

 

 

did I show you where this type of money goes...

 

 

http://www.homesandproperty.co.uk/property-news/news/millionaire-debt-collector-digs-deep-south-kensington

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Well doesn't the statement prove they did nothing for me.

 

 

The only letter I got from them that was from a creditor said they where not going to stop the interest or charges.

They also haven't settled any debts.

 

 

And that is horrible, hope the DMC all get shut down!

 

 

Andrew

 

 

 

 

get 'em back if tyou can prove they did NOTHING for you.

 

 

its a tissue of lie to try and spoof you.

 

 

I can see no successes anywhere there.

 

 

just lines their pockets so they can drive posh cars.

 

 

did I show you where this type of money goes...

 

 

http://www.homesandproperty.co.uk/property-news/news/millionaire-debt-collector-digs-deep-south-kensington

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

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dx100uk,

 

Should I wait until the £160 is in my account until I make a complaint about the other fee's?

 

Any feedback will be much appreciated.

 

Thanks

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

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upto you

 

 

cant see it makes any odds either way

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Was just thinking they might be funny about it, not gunna trust IF not playing dirty.

 

How should I make my complaint?

 

This is what I've made so far:

 

 

Immediate Financial

Craven House

2nd Floor West Wing

Station Approach

Godalming

GU7 1EX

 

Date: 09/12/2014

 

Dear Sir/Madam

 

Account number: ******

 

I am writing to reclaim all closing fees on my account since the 09/06/2014. I am unhappy that these fees have been applied to my account and in this letter I am registering my complaint and I request that you immediately stop applying further charges to my account.

 

 

I need you to consider my case as a matter of urgency as I believe due to the fact, not only have I had several defaults added to my credit file as Immediate Financial handled my debt. There has also been no settlement achieved on any of my outstanding debt, and no interest/charges was stopped why my debt was handled. I will attach evidence of fees and banking information for the fees to be sent to.

 

 

I therefore request that you repay all my closing fees since 09/06/2014 which total £150.

 

 

Under the FCA guidelines, Immediate Financial has 8 weeks to resolve my complaint. I trust that you will deal with my case within this period. If not, I will refer the matter to the Financial Ombudsman Service.

 

 

I look forward to receiving a full response to this letter within 14 days

 

 

Yours Sincerely

 

(Signed Here)

 

My Name Printed

 

 

MY first thought is why was the first closing fee added months before I even closed the account!

 

And also not sure if it is just £150 charges because the "illustration of debt plan as of 3rd December" they sent me in the SAR says, I paid £420 into the plan and has a £90 next to "Bounced payments" But I've checked with my back the payment did bounce so I don't no why they have said I've payed £420 when It's £320.

 

Many Thanks

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

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go read that again lots of schoolboy grammar errors

.

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Ok my face is red :oops: shouldn't rush complaint letters, even if my tea was burning lol.

 

here's hopefully the right letter.

 

 

Immediate Financial

Craven House

2nd Floor West Wing

Station Approach

Godalming

GU7 1EX

 

Date: 09/12/2014

 

Dear Sir/Madam

 

Account number: *********

 

I am writing to reclaim all the closing fees on my account since 09/06/2014.

 

 

I am unhappy that these fees have been applied to my account and in this letter I am registering my complaint

and I request that you immediately stop applying further charges to my account.

 

I need you to consider my case as a matter of urgency as I believe,

several defaults have been added to my credit file whilst Immediate Financial handled my debt.

 

 

There has been no settlement achieved on any of my outstanding debt,

and no interest/charges was stopped why my debt was handled.

 

 

I will attach evidence of the fees and also will supply you with the banking details you will require to return the fees.

 

I therefore request that you repay all my closing fees since 19/06/2014 which total £150.

 

Under the FCA guidelines, Immediate Financialhas 8 weeks to resolve my complaint.

I trust that you will deal with my case within this period. If not, I will refer the matter to the Financial Ombudsman Service.

 

I look forward to receiving a full response to this letter within 14 days

 

 

Yours Sincerely

 

(Singed Here)

 

My Name Printed

 

 

Is this ok dx100uk?

 

 

Thanks

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

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I need you to consider my case as a matter of urgency as I believe,

several defaults have been added to my credit file whilst Immediate Financial handled my debt.

 

There has been no settlement achieved on any of my outstanding debt,

and no interestlink3.gif/charges was stopped why my debt was handled.

 

 

????

 

 

a DMC should get defaults registered and negotiate no further PENALTY fees being charged

so nothing to complain about here & no reason for any 'urgency'........

 

 

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

 

 

Dear Sirs

 

 

thank you for the SAR return of the XXXXXXXXXXXX

 

 

I make reference to the multiple 'closing Fees' you list within.

 

 

Can you please explain why these have been levied?

 

 

There appears to be no payment against or any resolution toward settling these outstanding 4 debts,

Thus l am somewhat puzzled as to why you are claiming such sums.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Are right ok I thought they needed to get the interest/charges stopped.

 

Should I leave the rest of the letter in and just replace what you highlighted or just send what you've said dx?

 

Is it to soon to be talking about the Financial Ombudsman Service or should I leave that in?

 

Thanks

Andrew

 

 

 

I need you to consider my case as a matter of urgency as I believe,

several defaults have been added to my credit file whilst Immediate Financial handled my debt.

 

There has been no settlement achieved on any of my outstanding debt,

and no interestlink3.gif/charges was stopped why my debt was handled.

 

 

????

 

 

a DMC should get defaults registered and negotiate no further PENALTY fees being charged

so nothing to complain about here & no reason for any 'urgency'........

 

 

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

 

 

Dear Sirs

 

 

thank you for the SAR return of the XXXXXXXXXXXX

 

 

I make reference to the multiple 'closing Fees' you list within.

 

 

Can you please explain why these have been levied?

 

 

There appears to be no payment against or any resolution toward settling these outstanding 4 debts,

Thus l am somewhat puzzled as to why you are claiming such sums.

 

 

dx

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

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Would this letter be ok dx?

 

 

Date: 10/12/2014

 

Account number: ******

 

Dear Sir/Madam

 

 

Thank you for the SAR return on the 5th of December. I make reference to the multiple 'closing Fees' you list within.

 

Can you please explain why these have been levied?

 

There appears to be no payment against or any resolution toward settling these outstanding 4 debts.

 

 

Thus l am somewhat puzzled as to why you are claiming such sums.

 

I look forward to receiving a full response to this letter within 14 days

 

Yours Sincerely

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

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sure

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

nope they sent you it in the sar

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Ok thanks for clearing all that up.

 

Think I'll wait until they send the £160 before I send this letter. Just to be sure, only a few days until it will be in my account.

 

Thanks

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

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Hi all,

 

Was just going through some old letters today and found a letter from adinika debt recovery. It was sent on the 21st of June 2013 and just to note, they have not sent anymore letters since.

 

The letter says:

 

 

Dear Sir/Madam

 

We still haven't heard from you regarding the payment of your debt.

 

The amount you owe is still £32.78.

 

You can pay the amount in full within 72 hours - details of all payment methods are given overleaf.

 

Or you can call ***** ****** between 8.00am - 9:00pm on Monday to Friday or 8.00am - 1.00pm on Saturday with your reason for withholding payment.

 

If we do not hear from you within 72 hours of receiving this letter we will assume that you have no intention of paying and we may then consider instigating further action to recover the full amount without further reference to you.

 

Remember, your eBay account and your feedback score of 0065 will remain suspended until this debt is resolved.

 

Do not contact EBAY MARKET PLACE as they will refer you to us.

Yours faithfully

 

Someone's signature

 

Then they have payment methods after that.

 

As I said above I've not had anything else from them. I didn't even know about this because I've only just opened it today.

 

Just wondering if I should be worried about this, also there's no mention of this on my credit file.

 

Thanks

 

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

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Just to note they used bold in the letter. Also I can only think there might have been some fees left on my old eBay account. I stopped using it just after something failed to sell.

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

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