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    • Their Order is somewhat confusing...yes you get your set a side and they will not object.   No defence has ever been submitted so it can't stand.(unless you submitted a defence with your application ?) They then state Directions Questionnaires be issued (goes to allocation) and then the next paragraph states the claim is stayed.   Anyway the " Schedule  " is irrelevant it's the " ordered by consent " part that matters.....claim is stayed.     Typical Robbers Way     Andy    
    • Yes thanks both  Have been on the phone to a UC call centre today  to help someone in my Council ward, they said that there is NO paper based system, but if someone is blind or has a vulnerability that makes it difficult to access  then what TomTom has linked to is a way to do it.  That mythbuster link is very useful indeed. DWP are known for pushing easy options  (for them) but will help at a Jobcentre if no other way.
    • UKDomains that's a great shout, I'll open a support ticket on LBC & hopefully they can provide that information.   I've just spent 2 hours in branch, it turns out the fraud dept. never received the proof of entitlement that the branch scanned & emailed to 2 separate email addresses given. That has led to the 3 chargeback amounts, & once again the girl on the other end of the phone had "no idea" about the £685.16, & said "it must be a calculation" well that's good & vague. I have the name of the person in branch I've been dealing with (who has been great btw, & has suffered through this this with me).   Also, by sheer coincidence, she was dealing with the very same rude woman in the fraud dept. who refused to give me her name the other day, but did provide it to the lady in Branch. So now I have that in full, & her employee ID.    I did query with the woman in branch, why TSB aren't backing a customer who has proven beyond any doubt that the transaction was legitimate. Her response? "I got the strong impression when I called the Fraud  dept. on Monday, that we've already reversed the funds to Monzo Bank, this is why they want you to pay the money back into your account."   Well how stupid is that, based on what can only have been a verbal claim by Monzo's customer, this has led to TSB saying "here you go".  & then asking me to kindly underwrite their own stupidity.   I have also just received this by email:   Hi Gavin   Thank you for your note and for contacting me about the difficulties you’ve encountered with TSB.     I have passed your note on to my Head of Customer Service and asked her to ensure that either she, or one of her team, contact you as soon as possible.     Thank you once again for contacting me.     Kind regards     Debbie    Debbie Crosbie CEO, TSB         
    • Many thanks for this alternative advice tomtom   Andy
    • You can do it now. I have saved evidence that it was their mistake, so even if the letters arrive it won't come to nothing
  • 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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      • 0 replies
tonyc123

Nationwide frozen my savings account with wages in. Set off?? Taken £2400

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I believe nationwide have "set off" my wage,

 

i owe then 2895 for a credit card debt from 2 years ago,

ive only just started working and ive had my wages paid into my account then transferred them to my instant access saver account before i pay my bills

 

Im away working in a hotel and was unable to see the account when i logged in to internet banking..

 

ive spoken to their customer services who have said that their recoveries team has frozen my savings account and i cant speak to them until tomorrow,

they have taken/frozen my entire wage of nearly 2400 which has left me unable to repay monies ive borrowed whilst waiting for my 1st wage and my bills for the house..

i need to ring them in the morning but can anyone advise on this situation

 

I believe it could be know as setting off from researching online..

obviously now workimg i intend to repay the debt

but they havent contacted me about it and its my 1st wage..

 

i certainly cant afford to pay 2400 in one go!!

 

In addition to this im 250 miles away from home, due to work the week with 20 in my account

 

Any advice is very much appreciated

Edited by tonyc123

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Hi Tony

 

Yes they can offset - First off - You need to open a parachute account in future...

 

Speak to Nationwide tomorrow.

Pay attention to the CONC Sourcebook Section 7 - Arrears...

 

Dont be bullied

- While they can ROSO as i call it, you are entitled to your wages.

 

If they dont play ball you complain.

 

Come back to me when youve spoken to them.

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Hi Tony

 

Yes they can offset - First off - You need to open a parachute account in future...

Speak to Nationwide tomorrow. Pay attention to the CONC Sourcebook Section 7 - Arrears...

Dont be bullied - While they can ROSO as i call it, you are entitled to your wages.

If they dont play ball you complain.

 

Come back to me when youve spoken to them.

 

Hi,

Thanks for the reply, i have another account i can be paid in but seem as im working i have all itention of repaying it which is why im still using their accounts.

 

Im just really worried about my existing commitments and the fact im stuck at the other side of the country in a hotel im not going to be able to pay for.. and being able to work the rest of the month whilst keeping s roof over my head.

 

Ive had a quick look at the link you supplied but cant make out whats relevant

 

I will update tomorrow

 

Thanks

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Ive emailed the md outlining my situation, will just have to call them in the morning and go from there.. nice sleepless night ahead, will update tomorrow. Thanks again

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