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    • to frighten and intimidate you most probably. don't engage.   have you done your WS yet? needs doing in the next 7days    
    • I just got the same response from Hermes below. What would you advise I do next?    "I am sorry you have had to contact us regarding the delivery of your parcel.    I have looked into your concerns and understand that as as you selected the maximum compensation level of £300 Hermes cannot exceed this amount as per your contract.   So that we can process this as quickly as possible for you, we kindly request that you send us some details:   - your bank sort code - your bank account number (the short one, not the long card number) - your name as it appears on your bank card   Once we have received the above information, we will send you a further email once the payment has been processed. This can take up to 5 working days to reach you   Please accept my apologies for the frustration this has caused you.       If you require any further assistance, please don’t hesitate to contact us."  
    • Hi had a call today and the number is associated with Moneyboat why would they be calling this close to the court hearing? Any ideas welcomed    Thanks G
    • Hello   In my view  a self imposed bankruptcy is not necessary.   Your friend just has to accept the situation he is in and set things up to deal with it.   I think that by following a plan off filing everything, saying nothing and letting the Creditors do all the work he will come out of it in the end.   He may need to get his girlfriend on board but once he understands what these creditors can (and cannot do) it may well become less of a worry and more of a sport!   In post #8 you asked for the stages of collection so based on my experience since 2006 I will give you the various stages and make some other comments:   You fail to meet a payment date:- the creditor writes a reminder letter You ignore the letter, they send another letter and possibly emails, SMS and phone calls, all of which are ignored. The cycle continues for a period of time with a number of letters arriving from the creditor. Sometimes the case will be handed off to a Debt collector for a time which is nothing more than a company set up to make phone calls and write automatic letters. They have no power and can be ignored. At some point the creditor will issue a Default notice. This is legally important to the Creditor (but not necessarily important to your friend as it is required by the consumer credit act before any other action is taken. It will give a date by which you must do something usually to pay the arrears. If you don’t pay the arrears then you are in Default and they can go to the next stage. After a period of some months account closure usually follows. It is unlikely the Creditor will take legal action. After a period of time where you continue to get periodic letters and communications from various debt collectors the debt is sold typically for 10p to 15p in the £ to a Debt buyer. This might take six months or as much as a couple of years. You receive a “goodbye” letter from the creditor which says it has sold the debt to the buyer. You receive a “hullo” letter from the debt buyer which tells you that I now owns the debt. Sometimes the above two are in the same envelope.   The debt buyer will start out very friendly but will then get more aggressive. Even at this stage it is best to ignore them. They will sometimes offer you an amount less than the full value to get a quick profit from their purchase. You might want to take advantage of it but I take the view that if they had a strong case to get everything why would they settle for less? They know they have a weak claim when you get this kind of letter. At some point they will do an assessment on you to decide if it is worth taking court action. The bigger the debt the more likely it is, also if you are seen to have assets such as a property or shares. They will start by instructing a solicitor to send a Letter Before Action. This states what they think you owe them and gives you a set amount of time to pay it or respond with payment proposals. It may be wise to respond at this point but best to refer it to this forum for proper advice on what to do. After you fail to respond to the above they will pay a court fee and issue a County court Claim. You will receive a claim pack from the court with a number of sheets of paper; the claim itself, an acknowledgment of service, a defence form. The claim is usually created on line with the solicitor typing in the details. The Court then automatically prints and sends the claim pack. As a result it will not have any supporting documents such as original agreements, statements or anything else. IMPORTANT: this is the first document you absolutely must respond to. First thing to do is find the paper that says acknowledgment of service and send it back. This gives you 28 days to respond instead of 14. If you don't do this or immediately defend then after 14 days you will automatically loose. After this you are into the world of defending the claim which is usually very defend-able as the Solicitor has in all likelihood not provided you with any documents. This is because neither he nor his client have any and they will have to go back to the original lender to get any and very likely they will not get them. (In my own experience I helped a friend by writing to ten creditors asking for copies of the original agreement and not one came up with anything). It is possible you could loose the case in which case you still owe the money and are not much worse of than before because the creditor still has to collect it and without assets it will take a long time to pay off.   Overall, though I don’t think it is a great idea to be in debt, given the extent to which your friend is buried my advice is to consider the old adage “If you owe a tenner it is your problem, if you owe Ten thousand it is their problem”.   To that extent I would follow this plan:   Save all correspondence including the envelopes they arrived in. Do it in chronological order and have separate folders for each debt. As a rule, ignore everything unless it comes from a solicitor or the Court. I cannot stress this enough. Be a black hole into which letters, emails, texts and phone calls disappear, never to be answered, replied to or spoken to in any way. Some people just cannot shut up! Make sure your friend does! The exception is if your friend changes address in which case write to every creditor (or debt buyer that has bought the debt) and advise of change of address WITHOUT signing the letter as such, just type the name at the bottom.   (This is so they don't send court documents to the old address). In most if not all cases that will be it. Just keep filing until six years have passed or five in Scotland. This is because after that time the debt becomes statute barred and the courts will not consider it as it has become too old. (The statue barred date begins 14 days after the date of the Default notice mentioned above and six years after that it is all over for court action). In one or two cases a Court Claim may be made in which case defend it which is a whole other ball game but basically ask them for proof of the debt which they very likely cannot provide, if they can provide challenge it's enforceability,  mostly it's game over for them.   Your friend can start to get on with his life if he follows this plan and learns to accept that these debts are not necessarily the millstone he thinks. He can live within his means and have a good and fun life which is what he deserves. The original creditors have accepted some money from the debt buyer so presumably are happy and the debt buyer will make a profit across the whole bunch of debts he bought even if he makes nothing from your friend so he is happy. If nether of them are happy then they should not have got themselves into the situation in the first place.   As always I finish my comments by saying I am not a legal professional just a guy that got into to trouble in 2006 and learned a lot of this stuff along the way.   I welcome any comments from other CAGers, particularly if they spot any mistakes.
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Hi All

 

I wonder if you can help?

 

I am looking to send complaints to the following PDL companies for unfair treatment, irresponsible lending and other poor practices but cannot find the details to send them to. Anyone know the email addresses?

 

Minicredit

CFO Lending (the major one)

Wagedayadvance

txtloan

poundstillpayday

Provident

moneyinadvance

 

Thanks in advance

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Give me 5 mins Ill have something for you. From my notes, please see below.

 

Minicredit have now been dissolved... If you had an outstanding balance, it is probably with OPUS ltd..

 

Minicredit - All Accounts With OPUS

[email protected] - Scott Dawson CEO

[email protected] - Margo Kidd - Some Compliance Person

[email protected] - Self Explanatory

 

CFO Lending

[email protected]

[email protected] (No complaint email addy)

 

 

Txtloan / MYJAR (Gareth Gumby Left Business)

[email protected]

[email protected]

[email protected]

 

P2PD- Malta Based Company - Unknown CEO - CFO is Lyn Farrugia Gaskell

[email protected]

[email protected] - Found CFO Email... Use It! Their CCL has lapsed with them being in Malta

 

Provident - My Favo By Far - Check Thread On Vanquis!

[email protected] - CEO of Group

Cant find MD and the Complaints Email is a Contact From - Trust me from Exp - You will get a response by emailing PC

 

MIA

Money In Advance Limited

 

 

Company Number 05439855C

Company Status Voluntary Arrangement

 

With Safeloans.... AKA SSL Capital

 

[email protected]

[email protected] Email works fine. (CEO Mark Bryant) - Funny How SL and Mr Lender are Hand in Hand (SLL Capital & Safeloans Website)

Checking out his linked in, he looks like a real smooth guy... Funny for a PDL company.

 

And remember CAG places spaces in email addresses, remove them! Also if you find these helpful please add to my rep :)

  • Confused 1

 

We could do with some help from you.

 

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**Fko-Filee**

Receptaculum Ignis

 

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Very apt name for the provident CEO

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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Very apt name for the provident CEO

 

Isnt it just eh? ^__^ , Anyhow, this is all the OP needs for now. When you get responses Messedaround - Let us know.

 

We could do with some help from you.

 

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**Fko-Filee**

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Very apt name for the provident CEO

 

Priceless :lol:

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Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Thanks for this :-D I will try and get through to them all now.

 

I am having real issues at the moment with QuickQuid. In 2010 I Had to take out a DRO due to all my PDL debt and being made jobless. I was discharged from this in early 2011. I have been trying for years to make QQ update my Credit Report to reflect this and also complaining to them that they are totally irresponsible lenders, but they will not. This was their latest response after I emailed their complaints team (normally they ignore me):

 

 

Thank you for contacting us regarding

your account. We understand your concern regarding your credit file and

apologize for any inconvenience. We have record of your bankruptcy filing

however,the default status of your account with us will remain on your file for

up to 6 years.

 

We apologise if there was any delay in responding to your

complaint.

 

Your query raised several questions on what loan affordability is

based on and what statutory checks are processed before assessing credit

approval. Please be advised of the following information in relation to your

query:

 

-We processed a credit check, the search id: LTJ-xxx

confirms one of the affordability checks that were ran. You can find additional

information on checks by contacting Callcredit which is one of the Credit

Reporting Agencies we use.

 

-We also run various checks, which include but are

not limited to, affordability assessment based on current financial commitments,

as well as verifying any personal details provided on the application.

 

 

-After the application was submitted, we send our customers an email which

contains the pre-contractual agreement and also contains a hyperlink that leads

to an audio version for your convenience.

 

-Prior to making a lending

decision, your loan application is reviewed and all of the information discussed

above is analyzed and taken into consideration.

 

-Once that information is

reviewed, we make a decision and subsequently contact the consumer to advise of

the final credit decision.

 

After careful review of your account and the

information you submitted at the time of your application, we have determined

that we diligently followed our processes and conducted a credit and

affordability assessment on each credit application that was granted.

 

If you

have any queries, our Final Resolution Team is here to help.

 

Kind

Regards,

 

June

 

Now, I have explained to this lot before that a DRO is NOT the same as bankruptcy, and the debt should have been shown as settled after one year..

 

How can I sort this?

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There reporting to the credit reference agencies should reflect the situation as it currently is and I would think that you are correct in that your file should now show the debt(s) as satisfied.

 

It might be worth having a word with the Information Commissioner and then the Financial Ombudsman.

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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  • 5 weeks later...
Give me 5 mins Ill have something for you. From my notes, please see below.

 

Minicredit have now been dissolved... If you had an outstanding balance, it is probably with OPUS ltd..

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

And remember CAG places spaces in email addresses, remove them! Also if you find these helpful please add to my rep :)

 

I have now contacted all of them and am waiting to hear back.

 

Some others I remembered having are below, any details for these?

 

Toothfairy Finance

Next Credit

Speedycash

Speedeloans

Tower Capital

1 Month Loan (think finance)

Edited by messedaround
Speed Tower
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Christ you did have you finger in some pots eh...

 

Toothfairy Finance - Dissolved... Thy are no more.

 

Next Credit - Swear this is similar to Toothfairy... Looks the same...

[email protected] - FCA Company Register Contact

[email protected] - Director (Listed)

 

Speedycash - Retired out of Market in UK

Some stores still around - Turns out WDA Ltd are owned by SRC Transatlantic...

Interesting about who is on the IP License

[email protected] - FCA IP Contact

[email protected] - MD Possibly...

 

Speedeloans

Collapsed into Administration...

 

I have some advice, Have you used Noddle from Callcredit?

Seriously get on there and see who is reporting...

 

We could do with some help from you.

 

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**Fko-Filee**

Receptaculum Ignis

 

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Post up the lower half too...

Advanced Payment Solutions Ltd... Cashplus MAstercard?

 

Did you use their Cashbuilder facility?

 

We could do with some help from you.

 

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**Fko-Filee**

Receptaculum Ignis

 

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Wow this is a new level of defaulted accounts.... Even for me...

 

We dont judge here at CAG and I know youve been here just over a year... But did you not think about not taking anymore credit after these ones defaulted?

Or am i missing something here?

 

Dont take it like i'm criticising you at all :) I just wondered.

Id like to help if I can.

 

For the first time ever, I'm going to say this... I WANT you to contact Lowell through email. I want to know;

 

- Original Creditors

- When They Were Purchased?

Edited by Andyorch
External Link removed

 

We could do with some help from you.

 

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Receptaculum Ignis

 

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I have no credit now :) - could not get it anyway!

 

All of these accounts are from between 2010-2012, where I ended up in a huge payday loan mess, just getting more and more to pay the rest back - they never ran a check and I was amazed they kept lending!

 

I am trying to contact each one to see what it is, all of these lowell ones suddenly appeared recently so I will contact them now. There is a fair chance some of them were covered by my DRO.

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Well possibly. But Id like to know about Lowell... Ive asked the Site Team to pop in and discuss...

 

Tell me about your DRO... How did it go? Was it completed and which accounts were supposed to be part of it?

 

We could do with some help from you.

 

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**Fko-Filee**

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The DRO was all good, and completed however ever since I have been trying to deal with those that gave me credit the year after I completed it, and those who were included in it that paid no notice to it.

 

Quickquid, Barclays, Barclaycard, LloydsTSB, Wonga, Payday Express, moneyshop, littlewoods x 3, Next were all included as well as a load of others I cannot remember but all have continued reporting on my CF. I have finally removed lloyds, wonga, littlewoods recently but the others I am still fighting.

 

Lowell have been emailed now.

 

I have not taken any credit now for around 2-3 years.

 

I suspect part of lowell could be some brilliantgiftshop related accounts I had around 2012 thinking about it

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Awesome, well lets see how this goes. Let me know when you get a response.

I hope to dear god that you have now come out of that dark tunnel :)

 

We could do with some help from you.

 

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**Fko-Filee**

Receptaculum Ignis

 

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I would think that your credit file should reflect that the debts were part of a Debt Relief Order and are now satisfied, so should not be reporting independently. It might be worth having a word with the Information Commissioner.

 

A DRO is a mini bankruptcy so I would think the same rules apply.

 

Do you receive a certificate of satisfaction after you have competed the term of the DRO ?

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I would think that your credit file should reflect that the debts were part of a Debt Relief Order and are now satisfied, so should not be reporting independently. It might be worth having a word with the Information Commissioner.

 

A DRO is a mini bankruptcy so I would think the same rules apply.

 

Do you receive a certificate of satisfaction after you have competed the term of the DRO ?

 

Yes, I got this in 2011 I think.

 

The problem is, quickquid are american, and every time I explain and link them to the DRO page, they refer me to bankruptcy rules and six years..

 

The others just ignore me. Barclaycard I am particularly disappointed with being a bank

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Yes, I got this in 2011 I think.

 

The problem is, quickquid are american, and every time I explain and link them to the DRO page, they refer me to bankruptcy rules and six years..

 

The others just ignore me. Barclaycard I am particularly disappointed with being a bank

 

 

 

 

 

 

 

Whilst the DRO is in force, and for three months afterwards, your details will appear on the Insolvency Service’s Individual Insolvency Register, which can be viewed by anyone.

The DRO will show up on the credit reference files.

 

Not allowed to get credit for £500 or more without telling the lender that you have a DRO. A lender might change their mind about offering credit, when they see a DRO registered on your credit file.

 

The note of your DRO stays on the credit files for up to six years after the date the DRO was made. This means it could be some time before you can get credit in the future.

 

You might also struggle to open a new bank account during the DRO period and for some time after it has ended.

 

You won't receive any official notice or communication to tell you that the DRO period has ended.

 

And if you can't remember when your DRO ends, you can check your entry in the Insolvency Service's register. This will show the end date of the DRO period.

 

I apologise, it would appear I was wrong - you are not provided with a Certificate of Satisfaction as you would with a Bankruptcy and it looks like the DRO stays on your files for 6 years after the DRO was made. I already explained this was a mini bankruptcy and it would appear the rules for reporting are pretty much similar.

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I apologise, it would appear I was wrong - you are not provided with a Certificate of Satisfaction as you would with a Bankruptcy and it looks like the DRO stays on your files for 6 years after the DRO was made. I already explained this was a mini bankruptcy and it would appear the rules for reporting are pretty much similar.

 

I received a certificate - I still have it on my email - maybe it was different back then? I was one of the first to do it I think

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Another question. What is the default date on all of those accounts.. not the update - the date the default was placed on record ?

 

It must not be a later date than the date of the DRO.. so it should be the same or before.

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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