Jump to content


  • Tweets

  • Posts

    • this is a normal contract for when you forget your wallet and fuel up your car and then promise to pay them later. If you return righ5t away you dotn pay any extra and you can even demand your paperwork back from the garage as they then have no lawful reason to process it. Now is it a fair contract? well, yes and no, if you dotn have the means to pay for your fuel before you fill up then you are committing a criminal offence by doing so but as i many cases of this nature the company would rather farm all the aggro out to a third party who then screw you out of money rather than invoke the available law. So, as you werent offered the contract to consider before you fuelled up then none of it is enforceable and the petrol companies should get their heads around this rather than allow the third party just coin money out of the unfortunate or forgetful   what I fail to understand is why you didnt just pay for the fuel with the card that you were going to use to get the cash? As for the rest of your story listing your afflictions , that doesnt make any difference to a contract, if you are not capable of entering a contract you shouldnt be driving either.
    • 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
  • 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
        • Like
      • 0 replies
TomTucker

Applied for 118118 Credit card - Hard searches & now Fraud? search has killed ny score - help

Recommended Posts

hey 

 

I’m new to all this. 

 

Back story is very very bad credit.

Wanted to start rebuilding.

Chose 118118 money (wrongly) as a credit card.

They are constantly doing hard credit searches almost weekly and it’s bringing my score down. 

 

Ive complained loads.

Never get an answer.

 

Today I get an alert that they have again done a hard search but displaying differently.

It says AF.

I’ve searched and it indicates a application fraud investigation.

 

I’m horrified!

It’s searched a previous name I used 15 years ago.

I changed it legally due to an issue I had with something else not debt or credit rated.

It’s not massively different to my name now.

It’s linked on my noodle account which applied for the 118118 card for me (I just had to click a button).

 

I’ve called them and the American lady looked and immediately said “I can’t discuss this with you. Keep your phone line open someone might call you later. 

 

Ive got a few mental health issues and it’s going over and over in my mind. 

 

Do they do this kind of thing often?

Sorry I’m probably over reacting. 

 

Tom. 

Share this post


Link to post
Share on other sites

retitled for clarity and moved to the PDL forum.


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

Share this post


Link to post
Share on other sites

Hi and Welcome to CAG

 

Is this something that is appearing on the main Credit Registers or just one in particular ?

 

Andy


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

Share this post


Link to post
Share on other sites

It’s appearing on noodle as a search carried out this morning and my total money one isn’t allowing me to look at my credit report today just keeps showing 0 but it could be playing up I guess. 

 

Now call total money is saying it can’t access my credit file from call credit. No idea what is going on 

Share this post


Link to post
Share on other sites

Have you tried registering with the bigger boys ....Experian etc.....? 

 

Might be worthwhile to check what they are reporting.

 

andy 


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

Share this post


Link to post
Share on other sites

Hey. 

 

I have registered with noodle and this is where I seen it. 

 

I registered with Experian and nothing. Not even a search from them yet it states on noodle it was done today. 

 

Total has has now displayed my credit report and although score has dropped from yesterday strangely it isn’t showing there. 

 

Just odd. 118118 refused to even discuss it which annoyed me even more. I’m probably over reacting I know this but still bugging me

 

Tom 

Share this post


Link to post
Share on other sites

I did ask this on phone to 118118. All she said was that the code used is for checking against fraudulent applications. I don’t see why they would do it now as I’ve had card for 5 months. 

Share this post


Link to post
Share on other sites

Just giving them the 72 hours they say they want to reply. Interestingly I’ve found out something that I didn’t know. 

 

118118 identify as two separate providers on credit searches. 118118 money (madison UK) which is used for initial credit searches. Madison Cf Uk limited t/a 118118 money is used solely  by their head office In Cardiff so this indicates this isn’t the standard search or account management. 

 

Ive also noticed that the search they carried out this morning used a slightly different spelling of my name - used in 2010 for some strange reason. I think it was a Barclays account or something. It is linked to me as it’s appeared on my credit file under my birth name. I don’t know what they are doing but it’s certainly not application fraud as they claim (the code they used AF apparently only used for this purpose) if it was fraud i wouldn’t have such a low score lol. I don’t owe any money to anyone or have loans other than the measly limit they’ve given me. I’ve also not ever been accused of fraud in my life. 

 

The card is still active so I’m guessing if it has of been such a huge thing that would have changed by now. Still it’s a hard search without my consent. 

 

Plus ive complained before about them doing something else and they never answer emails or call back. 

 

Tom. 

 

Oh I should have mentioned I do have a card with them. Had it about 5 months now 

Share this post


Link to post
Share on other sites

About 4 weeks ago 

Called them this morning about this search 

Share this post


Link to post
Share on other sites

Hmmm - IF you have a card with them then thats interesting. So they are doing it because they search to see if you can have more products from them. Its known for companies you have a relationship with to do this for things like CL Increases etc and Admin reviews. 

 

Id be interested to find out whats triggering these AF searches on your side. You can ask them why they are doing this. 

Share this post


Link to post
Share on other sites

" I’m horrified!

It’s searched a previous name I used 15 years ago.

I changed it legally due to an issue I had with something else not debt or credit rated.

It’s not massively different to my name now. "


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

Share this post


Link to post
Share on other sites

Info for you from 118 - I know how to squeeze it out of them...

 

Quote

Any credit searches on your credit report such as AF, Anti-Money Laundering and Quotation Searches are all ‘soft’ searches and thus will not affect your credit rating. Whenever you search a comparison website for credit cards or even view offers on a credit reference agency website such as Clearscore, soft searches are made on your report to give an accurate response in relation to the likelihood of acceptance for the product.

 

Please note that we do not randomly perform searches on members of the public and any information from soft searches is provided for by the credit reference agency and the comparison website.

 

Other companies also performing AF (affordability) searches on your report is not due to 118 118 Money.


AF, AML and Quotation searches are all soft searches which all financial institutions run in order to comply with due diligence and KYC checks.

 

  • Like 1

Share this post


Link to post
Share on other sites

strangly they’ve just emailed 

 

They are saying it isn’t them. They state that any searches with AF are soft searches and not carried out by them more done by credit agencies. It doesn’t explain why it says them though and it’s definitely a hard search but I guess they’ve responded and the guy is saying there is no concern from them. He said yes it’s anti financial crime but after looking through my account there is nothing he can see that’s an issue.  

 

At least I’ve had a response. 

 

He said he will add a note to my account to watch for any further applications and check with me if anything is flagged. 

 

Looks like my over active brain ran away with its self. I’m £14.99 down though from Experian but it did alert me to both an email address and password combination of mine being displayed on a not so good website. I’ll chalk that 15 nicker down to finding that out 😬 

 

thanks for taking time to answer though. I don’t have much family and stuff. Simply having someone answer has helped huge! 

That’s brilliant. Thank you mate 

Share this post


Link to post
Share on other sites
Please fill in your quit date here

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...