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    • Different statements. One has “at 59 mph overtaking on the approach” and the other “it was overtaking on the approach and in ....... at 49 mph”. So not the same statement (same ethos, different sentence structure).   perhaps they chose that site for the officer because it is an accident hotspot, and they know people do dodgy overtakes (while speeding) there .....??  
    • Hi.   I've moved your thread to the Bailiffs forum. People should be along to advise later.   HB
    • So a little update;   Of the 6 letters I sent 3 were acknowledged. One accepting £1/month for now and two from the same creditor trading under different names asking for full I&E which I haven't done.   In a moment of madness I managed to depsoit 5k to a gambling site I didn't have due to paypal's crazy policy of allowing payments which are to be collected by direct debit after a couple of days to gambling sites! Mad they allow this but this will show as a negative paypal balance (in a different account to the original "debt"). The first paypal -£5k account has been closed and passed to a DCA now. I have ignored them.   My council has appeared to have stepped up their collection efforts for £2.5k in alleged housing benefit overpayment from 2015/16. I have acknowledged their letters over the past 3 years each time by email but they rarely respond to my pleas. I truly think if there was overpayment then it was for less than half the amount they claim. At the time I didn't think I was being overpaid because I wasn't really working but I had stopped claiming JSA/ESA (and told them as much) but earned a couple of hundred pounds a month from sporadic work.   Also what I thought was a dormant debt from 2016 to Halifax has been actually sold ( to caboot? I think. Hard to keep track of everyone)   I've been getting phone calls daily but ignoring them for the most part. I did request all communication in writing in my original letters.   I feel incapable of dealing with these creditors and whilst initially I was feeling that I would be happy to just ignore all the letters (arreas, defaults and the like) and phone calls for an indefinite amount of time and  hope to make it 6 years to statute barred-ness and accept or defend any CCJ attempts that did arrive. I figured that avoiding these creditors for 3 months so far is 5% of the way there to statute barred! But I figre for these fairly sizeable amounts they probably won't all let it go and I will get some CCJ docs (never had to deal with that) However now my mood and thinking has changed.    I am looking again at insolvency. I'm over the DRO limit now so its BR or nothing. I was wondering why you said to not consider this and it would be stupid @dx100uk? Although shirking my debts/responsibilities it does seem like an "easy" way out at the moment. It would be so nice to know that what's done is done and to be able to draw a line in the sand and start again in a year or so and not have to avoid creditors or worry about what's coming next...   It certainly would help the environment what with the amount of letters that are arriving already(!) considering the first payment I missed was october/november (excluding the old halifax and council debts). I am exordinately stressed about it now even though I thought I would be already . Any advice would be great if it was to get my head out of the sand and contact people/do the ignoring thing and seeing what happens/reasons  to do or not to do bankruptcy for these unsecured debts?   Thanks      
    • Hi everybody   Had a knock on my door and was confronted by either a Bailiff or enforcement agent (not sure about the specific job title). When I opened the door he stuck his foot in so I couldn't close the door. I was video taping him so I took a few steps backward (to get him in shot) and he just fully entered the property despite me saying that I was denying him entry and he refused to leave thereafter.   Turns out that he was there to collect a court issued fine. I think from a Magistrates Court. He worked for this outfit:   www.marstonholdings.co.uk   The reason for the fine was something to do with "driving without car insurance". Now I had a cheap car a few years ago but it broke down and would cost more to fix than it was actually worth. So I sold the car for scrap and cancelled the insurance. Turns out you have to inform the DVLA when you scrap a car and them that it is no longer on the road (I was unaware). So this was the circumstances of the visit.   My question is did he have the lawful right to enter the property? I always thought these people were like vampires i.e. they can only come in if you invite them in.   tia Bear  
    • oppss again then if its the same person.   knows the road well so should know what the speeds are and where they apply..      
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lee79

Bank account opening in my name - not mine!

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Hi all.

 

I’m looking for some advice.

I recently opened up a noodle account and noticed that a TSB account of some sort had been opened in my name. I think it was a loan as there have been monthly payments and now has a balance of £0.

 

I know I should have checked sooner but in the past we used ones like Experian mainly for our credit score.

 

Here are more details anyhow.

 

The account was opened approx 3 years after we left the address it is registered at in 2014.

 

There have been regular payments into the account/loan and everything other than it being false, seems ok.

 

Payments stopped in April of this year and is marked up to date as of the end of April.

 

Not sure how they managed to get my details as we had a redirect on for the mail and quickly notified people of our change of address etc. but something got through or left behind in the move.

 

I’ve contacted the bank and have been given the number for their fraud department and have also marked the account as disputed on noodle.

 

What I would like to know is what steps should I take to make sure this account is dealt with appropriately.

 

Thanks and any questions that might help let me know.

 

Spoke to their fraud department and it’s a current account, not loan etc.

They’ll investigate and send me a letter in 10 days detailing what evidence was used to open the account.

They’ve stopped the account and put a note on it.

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Id also raise a formal complaint With them...

 

Will do.

Looks like whoever opened it has finished with it now as well.

There’s no deposits since April.

 

Just can’t understand why they would do it.

I associate bank fraud with loans to gain money.

Edited by dx100uk
Spacing

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Typically its done to launder cheques that have cone thru in someones name

Youd have to get the statement s

Used to be hmrc tax rebates years ago

As those letters never got redirected


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

 

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Also funds laundered on from Criminals.

They ask you to pass it on to another account... Typical [problem]...

Ends up with CIFAS... Its never good.

 

IF you struggle with TSB come back and let us know.


 

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I’ll keep the thread updated. Hopefully it will be sorted out eventually. Thanks for the replies.

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Accordingly to TSB’s Senior Operations

Manager the account is mine.

Not only that but 5 others are mine as there are also 5 savings accounts.

Funny how I managed to forget about them.

I think it’s fair to say they dedicated about 10 minutes looking into this.

 

Now I have to appeal the decision by repeating what I said on Saturday.

 

I’m not trained to the same level as their Ops Manager but surely the accounts being opened 3 years after leaving the address and being opened very close to each other should have set off alarm bells somewhere.

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yes it should have

 

pers I think id ring actionfraud too in this instance

one A/C ok but numerous.

 

this is fraud


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

 

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So given all these accounts are yours...and the Senior OPS Manager having fully investigated it all within 10 mins...perhaps time for a DSAR request...of course they couldn't possibly breach the DPA given the fact that Senior OPS Manager has thoroughly investigated and is happy that you should be supplied all data in connection to the 6 accounts.

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?387306-Full-Subject-Access-Request-under-the-new-GDPR-2018-regime

 

You can email the request.


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yes it should have

 

pers I think id ring actionfraud too in this instance

one A/C ok but numerous.

 

this is fraud

 

I think I will dx, thanks. I’m really annoyed at how little they care and the arrogance of the person who looked into this issue especially considering the reason I’ve contacted them.

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So given all these accounts are yours...and the Senior OPS Manager having fully investigated it all within 10 mins...perhaps time for a DSAR request...of course they couldn't possibly breach the DPA given the the fact that Senior OPS Manager has thoroughly investigated and is happy that you should be supplied all data in connection to the 6 accounts.

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?387306-Full-Subject-Access-Request-under-the-new-GDPR-2018-regime

 

You can email the request.

 

Good point and I was thinking along similar lines - taking a more active approach investigation.

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Update. I know this is my fault but I let TSB decide the speed of the complaint. Letter after letter was sent, telling me how they’re looking into the complaint and finally it’s been closed as far as they’re concerned. The outcome? Well, apparently these accounts are still mine. What a surprise.

 

I’ve just contacted the Ombudsman and they’re are looking into whether they can investigate or not. It’s seems it’s a bit of a grey area due to me claiming not to be the consumer.

 

TSB’s complaint team are absolutely appalling. I genuinely feel they’re trying their luck in terms of palming me off. They’ve clearly not looking into the complaint in detail as I’ve proven I didn’t live at the registered address.

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