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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  
  • Our picks

    • 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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im new and im so hoping someone could help me ,

im 38 year old woman and im actually scared everytime the door knocks or the phone rings ,

 

i lost my mother through breast cancer last week , i didnt pay ANY bills in fact i even got an £80 penalty because my direct debit didnt go through for tax on my car ! so i obviously didnt contact anyone

 

but these people at perfect homes oh my ,

they were ringing around 12 times a day (my brother took my mobile off me as i was in a mess)

 

well i finally plucked up the courage to ring them today and i explained that id lost my mother and asked if it was okay i pay £25 a fortnight for a few weeks as i have to pay towards funeral costs ,

she said to me first off :

 

"im sorry but the lowest we can take is £32" (which is £2 under my normal paying amount)

"you will have to come into the store or someone come out for you to sign some paperwork"

"we will need to see the funeral costs"

 

i burst into tears and said "do you seriously think im going to ask my dad for a copy of what i have to pay towards my mothers funeral"

her answer "yes"

 

i told her "no i will not we are still in a mess over this"

she said to me "well we will send someone out to you at 2pm tomorrow and they will come up with a solution for you"

 

what do i do ?

 

im in no fit state to see people i was hoping they would agree to the £25 a fortnight and i could pay online like before ,

i have 3 items with them and been paying more than the normal amount for over a year , they said i HAD to take out there cover for insurance :

ive worked out ive paid £158 just for this insurance i had to have "TAD" it shows up as on my summary page of whats due to be paid

 

i really dont want them to call out here tomorrow and i cant i just cant ask my dad for the funeral costs its hard to even type this let alone ask

 

any help i gladly appreciate

thank you

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Helpless Welcome to CAG!

 

Sorry to hear of your loss, Always very difficult when you lose a family member, especially such a close one.

Please dont be scared. What do you have from PH as products?

 

Can you tell us more about the agreements?

 

No they dont have to see funeral costs... etc .. .Plus Funeral costs wouldn't be down to you to pay as it would normally come from the estate.

 

And NO NO NO!!! They can't force anything to see any info etc. At this time, you should be treated as a vulnerable debtor and they are failing to do this.

 

You can be better than this with them. Take control, you call the shots, they do not.

 

Explain to them that is your offer due to the situation and if need be draft up a very basic I+E.

It may come in handy should you need to take this further.

If they dont play ball, you can also complain. But for now, lets help you get back in a better place! :)

 

Pay by Standing Order if required...

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Hi Helpless and welcome to cag, you are in the right place.

 

So sorry to hear if your loss and the insensitivity of the vultures that are PH.

 

First and foremost, PH cannot actually do anything, they cant enter your home, they cant repossess anything, they are not bailiffs and have no such powers, ignore them if they try telling you any different .

Do not entertain them at your door and if you can summon the strength, send them a letter demanding they dont call at your home and to keep any and all communication in writing.

 

 

I havent seen the PH online payment system but does it allow you to choose how much you pay or is it set at your weekly payment?


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hi

thanks all ,

their website allows you to see your agreements and how much you have paid

im so shocked at how much it says on one agreement £11 a week and £7.66 is for the credit and then £3.34 is off the item !

 

ive screenshot the payment button it says you have to pay a week at the least

and they're sending someone out to me tomorrow what should i do ?

 

ive uploaded the payment page on there site and

i rubbed the ID info as im not sure if im allowed to post it on here

 

pefect home payments.jpg

 

perfect home.jpg

 

perfect home33.jpg

 

my mum wasnt working only my dad was part time the dwp said they would pay a bit to help but my dad and all of us want the best for her so we will pay the extra

even me writing this in here just seems so unreal it still has not sank in ,

wish my mind would work properly i hate feeling bullied x

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my mum wasnt working only my dad was part time the dwp said they would pay a bit to help but my dad and all of us want the best for her so we will pay the extra

even me writing this in here just seems so unreal it still has not sank in ,

wish my mind would work properly i hate feeling bullied x

 

They are most effective (DCAs and Companies similar to BH / PH / BAYV) when you are feeling at your most vulnerable.

Ignoring all of this, The grieving process is tough. Have you sought help with the emotional side of losing your mum?

 

https://www.mariecurie.org.uk/help/bereaved-family-friends/dealing-grief/supporting-a-grieving-family-member-or-friend

 

by phone?

0800 090 2309

Calls are free from landlines and mobile phones. Find out more about our Support Line.

 

http://www.samaritans.org/

 

CALL US

116 123 (UK)

116 123 (ROI)

If there's something troubling you, then get in touch.

 

We're here 24 hours a day, 365 days a year. If you need a response immediately, it's best to call us on the phone. This number is FREE to call.

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http://www.consumeractiongroup.co.uk/forum/showthread.php?381844-Harassment-Letter&p=4136657#post4136657

 

Visit the link above helpless, there is a template you can adapt there

 

Martin


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

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thank you all i cannot thank you enough such wonderful caring people willing to help others i think is amazing x

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so ill ring them tomorrow and say for them not to come out and see me ?

if they ask why what should i say (the woman was not so nice on the phone today)

and what should i do next ?

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Ringing them wont get you anywhere, they will respond better to the written word


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

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but they said they have someone coming out tommorow at 2pm ?

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Ok if you think you are up to it, could you adapt the letter and hand deliver it to the store in the morning?

If not, you could always be out when they call and post the letter.


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

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however

if someone does turn up

tell them to leave

or you'll call the police

 

 

they ARE NOT BAILIFFS

and have NO SUCH LEGAL POWERS

never ever discuss you debts over the phone

or

at your door

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

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Go out for the day :-)


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

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First of all, sorry to hear of your loss.

 

Sadly Perfect Homes are no different to any of the others.. Brighthouse, BAYV etc. Fortunately the Financial Conduct Authority have them in their sights and have recently dealt BAYV a huge blow - hopefully they will target the others now.

 

You do NOT have to open your door to any representative of the company, especially if you are feeling fragile at the moment. You could print/write your letter and simply pass it through the letter box to them.

 

As already pointed out - they have absolutely no authority to enter your home and if they threaten you in anyway (if they turn up) then you should immediately jot down as much of the conversation/their actions outside your home.

 

Report back to us after 2pm whether they turn up or not and we can then advise what you need to do next, if anything.


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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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If you have a smartphone film them through the letterbox to capture their threats, it would come in handy later. They cannot demand you stop.


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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

 

If you want advice on your thread please PM me a link to your thread

 

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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Thread is 18mts old

Now closed to stop newbie bumping


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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style="text-align:center;"> Please note that this topic has not had any new posts for the last 598 days.

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