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    • If there is a whitelist and few intruders there only seems the residents to make money from. It would leave wondering what the incentive was for the MAs if there was nothing in it for them except the obvious complaints from the residents. Not that I am saying that they are getting a backhander but there seems little other reasons unless they are trying to show how well run the place is managed-not. If they ran it properly there would be no need for OPs.
    • we're much better. pers i'd stat fighting back with debt, as if you don't you will never be rid of it. you've already most probably extended the life of all your debts by another 6yrs by going the IVA route, because the IVA will fail..they always do. these providers always find some reason at the end of the 5yrs to extend it by inventing some weird and wonderful schemes like sell our mates your equity in your home before we will say it's finished and sign you off. despite all the bluff and bluster these companies come out with, there is really very very little legal wise they can do to you id you tell them to go......and stop paying and ignore them. as i said a few postback im really shocked you fell for the IVA and are now falling for more bluff and bluster and thats why you are in the state you are in. by the way. i was going to ask Credit Expert are a credit file company, are you sure they are the ones Hanover have got to pressure you? doesn't sound like their remit to me, 1st ive heard of a CRA company winding up debtors for a fee. can you dump all these emails into a PDF file after redaction so's we can see.? read upload dx    
    • now do you want help or just come here to rant at the 1st chance. is this indictive of why you have this issue with BG? there isn't one really just you being pedantic? now give us a chance to decide lets have some info. we don't accept .jpg picture files as they are displayed directly to screen whereby anyone members or not can see them, hence we require a multipage pdf properly redacted. theres a good upload guide to read on that. so ball is your court... we still would help our worst enemy regardless . dx
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newday wont refund fraud - having sent new card to old address


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I moved home on march 26th and was placed in temporary accomodation before being placed in permanent accomodation .

 

 

I am disabled and was without resources for three months .

 

 

After settling in 3months later I rang up my credit card company aqua to find out why I had not been sent a creditcard

as the one I had was expiring at the end of June.

 

 

I found out that £1788 had been debited from my credit card without my knowledge .

I immediately Informed them it was fraud and filled in all the forms to state so even informing the police .

 

 

on Saturday I received a letter dated 28th July that after all their investigations

they could not accept it was fraud as the chip and pin had been used and not a copy.

 

 

I found out that they sent a new card on the 12th May which I never received .

I am not well physically and all this stress has damaged my health as I m not able to contact them on the week end.

 

 

I rang up the credit card company and told them that I never received the card or pin and that I had left the property on 26th march

they informed me that they could not do anything till monday.

 

 

What rights do I have

I want to claim compensation for the distress it has caused

as they hadnt conducted their investigation throughly

as they would have realised the card I had was the old card as stated on the declaration form

and unknown to me a new card had been sent out which I never activated?

 

 

This is all very worrying and they couldnt even ring me during their investigation to inform me of their decision or ask anyother questions

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is the Halifax or newday ?

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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how did the fraudsters get the correct pin?

old address too?

 

 

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

I advised them in June but I did not receive the card nor was it activated . I done some research they have to proove I did receive the card and acted fraudulently .So I have a case I hope all will be revealed on monday another 18 hrs to go

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I had attempted fraud with santander whereby I didnt receive the card of pin and someone tried using it . Luckily the card wasnt activated so it did not work but santander informed me and asked me if I had been trying to make transactions. So my case rests upon the activation code as it obviously didnt have one as the card was used without it

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I advised them in June but I did not receive the card nor was it activated . I done some research they have to proove I did receive the card and acted fraudulently .So I have a case I hope all will be revealed on monday another 18 hrs to go

 

If you advised them in June but they had dispatched the card & PIN in May expect them to claim you had a duty to inform them of a change in address.

If they do so, you will need to press them on the fact they allowed the card to be used when it wasn't activated, or that they explain how it was activated with you being at fault.

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I have had an update i told them about the situation of not receiving the card and not being activated . they said the reason why they said i was liable was that an item was purchased using the old address. and that someone had rung up on the 7th may to change the pin. All this without my knowledge . They have agreed to investigate further and have in the meantime refunded me the missing money but it will take up to four weeks. Im Helpless till then

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urm so how did the fraudster pass the security questions to get that pin?

 

 

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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Maybe the OP didn't tell anybody about his change of address so the fraudster got other mail at the old address and used info from that mail.

 

That's why its important to tell financial institutions you new address as soon as you can.

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good news After ringing the ombudsman and stating my case , they wrote a quick note to aqua and informed them that this was uncharacteristic spending and to look into it. I got a call from their complaints team the same day telling me that I was NOT liable for the transactions and as a gesture of good will they will credit me 60pounds.. So after allthat I finally got justice

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