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    • I think it is too difficult for any party leader to negotiate withdrawal from the EU on their own. It will always be a cross party task, unless there is a General Election and the country gave the the Tories a big majority. But at the moment that is very unlikely.
    • 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        
  • 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
      • 0 replies
Jj8

VWFS Woes... No Comms, No one dealing with issues

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VOLKSWAGEN FINANCIAL SERVICES . WHITE AUDI A4

 

 

I have a contract hire vehicle with Volkswagen financial services (VWFS)

 

the car was due to go back at the end of April 18. In early march 18 I attempted to get in touch with VWFS to remove my private plate from the vehicle before I handed it back. in previous run ins with VWFS, its been an absolute nightmare to get back your private plate if you do not do it whilst you have the vehicle.

 

Anyway, I was told to pay an admin fee to remove the plate. This was charged to me and I was sent a form to fill out. I was emailed by VWFS who asked me to fill out a form for the plate and send it to a third party company. I was not willing to do this as it would include sensitive personal information. I instead filled out the form and replied back to my email from vwfs. I had no reply from this email.

 

This came at a time where I was suffering from a very severe bout of clinical depression and whilst I was coming through it, it was still an incredible and stressful time in my life.

 

I have had previous terrible conduct of administrative conduct from VWFS in the past and knew this could take a while. In the mean time I never instructed the bank to stop any payments to VWFS, and whilst I was unhappy about the prospect of having to pay for the use of the car for longer than I imagines, I nevertheless never stopped any payments.

 

The car has been very unreliable in the course of our contract hire period and its worth mentioning between the end of the contract and VWFS contacting me about the car, the car was in with an audi dealer for major repairs due to an electrical fault that took far to long to diagnose and fix.

 

Fast forwards to August 2018, not one piece of communication was received . Its worth mentioning at this point, I have another car with VWFS, same person, same address and contact details and I did carry on receiving letters about this second vehicle from VWFS. Annual Account statements and the like. Not one letter was/has been sent to me about this car in question

 

Now, British Car Auctions (BCA) got in touch with me in August with regards to collecting the car. Thank God I thought, finally they've realised to come and get the car thats sitting there not being used. It was only until BCA Called to confirm their inspection and collection I realised the number plate was still on the car. After speaking to BCA they said it wasn't a problem to cancel the inspection and speak to VWFS to finally remove the plate. In fact they encouraged it as I might not get the plate back if the car goes to auction with it on.

 

Around this period I was being pursed by a debt collection agent to forcefully take back the vehicle. This was strange to me as I was in contact with BCA about the collection.

 

17th September 2018

 

So BCA cancelled the appointment and I attempted to call VWFS. After phoning the correct number for VWFS I was given the run around by them and put through to 3 different numbers. Then the call was hung up not by myself. I thought Id try again later on when I had finished my days work. I called around 5.15pm as they advertise their opening hours are 8am-8pm. I was told that the department I needed to speak to was closed. They work 9-5

 

 

 

18th September 2018

 

Called again to try and sort this mess out, have my number plate removed and arrange collection of the vehicle. I spoke to an Ollie at 10:24 who hung up on me.

 

I called again and spoke to an Olivia at 10:28. She told me I had come through to the wrong department, wrong, I did, she just didnt want to deal with this.

 

I eventually got through to a Georgina at 10:30. In informed the woman I was recording the call and I explained my position to georgina who didnt want to work with me about a resolution, just argue the facts of what has gone on. I explained I had tried to remove the plate in march and I wasn’t willing to submit sensitive information to a third party company. I informed Georgina that I was suffering from severe mental health issues and I would appreciate their clear operation but I did not get this. She asked me If it was ok for her to record my communication of my mental health issues in her notes and I agreed. This call was recorded and she ended by saying she cannot deal with it and somebody more senior will be in touch within 48 hours. I confirmed what number for someone to try and get hold of me on as calls to this number are also logged and recorded, this goes for every call, not especially for VWFS.

 

26th sept

 

Tried to call again, guess what “wrong department” and then a hang up.

 

28th Sept.

 

I get a call from a collection agent who informs me that VWFS has instructed him to forcibly take the car from my possession. I had to say Carl who has been back and forth with me about this whilst I try and get some sense out of VWFS, has been incredibly good. I explained my mental health issues and he was very understanding and knows VWFS are not acting as they should. So much so his purpose of the call today was to give me a heads up to hide the car so it cannot be taken. I do not want to withhold the car, but I just want this sorting out. I have lost all confidence in VWFS, my ability to communicate with them has broken down entirely and I do not want this to continue. Its having a severe impact on my mental state and thus impacting hugely in my work life.

 

 

 

What should I do guys?! :( Im really appalled at how Im being treated :(

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Ive logged this with the FOS but i doubt it will help.

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They cant forcibly take the car

Its not been to court

 

Powerless repo agents


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Thanks for your reply. yes the agent said as much. It would all be voluntary if he turned up to collect but most people comply. I wont be doing. Until they sort this matter out.

 

Ive emailed VWFS again today and updated them as to whats happened and no body has called. typical

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Ive had the collection agent on again today,

 

 

Hello mr XXXXX, have you had chance to work out how you would like to proceed regarding the return of your vehicle to VWFS. I am in XXXXX in the morning if you would like the car collected, let me know and I will work round you. Best wishes

XXX

 

 

my response

 

Hi Karl. I’ve still had no response from vwfs.

There’s an ongoing complaint with the financial Ombudsman Service about all this. Because I contest what they’re doing.

is there any documentation I can give you to give to them?

Cease and desist etc? ����

 

His reply.....

 

"They won't respond to you now because they have terminated your agreement hence why it has come up for repossession.

 

They just want their asset back and they will argue the rights and wrongs afterwards.

 

I have no doubts that you are in a protracted battle concerning your car, I am just carrying out the instructions as they stand as of now.

 

VW want their asset and they have asked me to collect it, as I said last week I am not a policeman I can't make you do anything all I do is ask the politely for the vehicle. Kind regards"

 

I just said

 

"They told me they'd have someone in senior management call me and tell me what's going on. They haven't and I'm not happy. I will not let the car be repossessed at all as it stands me in a worse position legally"

 

PLEASE HELP GUYS! I dont know whats best to do

 

--- Let them have the car back via this agency?

 

--- Try and keep speaking to them to see if they can agree to take my plate off and hand the car back amicably?

 

The last thing i want is this company getting the car and then being charged stupid amounts and going through a load more stress in my current state :(

Edited by dx100uk
Spacing

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Ignore

Await the outcome


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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