Jump to content


  • Tweets

  • Posts

    • So I'm the one that's paying the mortgage for my kids to have a home so I have to let them no what goes in and comes out and pay them payments with my card so he just authorized me to talk to them when he ohones as they always have to as me questions and what not
    • Because I pay all the household Bill's my partner as always had to authorise them to speak to me on his behalf as I'm the only earner in the house 
    • No problem. Just thinking - if you are not named on the mortgage why is the lender discussing with you? 
    • I'm gonna try fill out income expenditure later on this afternoon hun x  
    • I am inquiring about how older, single people are treated on UC and how often they are likely to be sanctioned compared to other age groups.   I am 47 in September and have always been Single, and if I was to be put onto Universal Credit soon (as I think I may be) then I am wondering how often people in my group would be at risk of sanction. I have seen charts where, the older the claimant is, the chances of sanction are less likely, but I have not been able to find out information about single people. I have seen a pie chart of that kind mentioning single parents or couples and even disabled people, but no mention of single people at all. Are people in my group hit hardest or not?   I am currently on ESA as I have a physical "limitation" and have mental health issues (anxiety and paranoia) but I heard that next year, everyone on legacy benefits will be moved over onto UC. Is that still the plan?  
  • 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
HSBCandMe

Admiral Car Insurance and CRAs

Recommended Posts

Posted (edited)

I don't think I have a leg to stand on but must ask:

 

My Direct Debit bounced for my car insurance premium and Admiral have marked a Late Payment on my CRFs and will charge me £7.20 penalty.

 

Is there anything I can do about it (short of paying them off and not renewing later in the year)?

 

Also, are there any insurers who do not grass you up to the CRAs for late premiums?

Edited by HSBCandMe

Share this post


Link to post
Share on other sites

if you don't pay the cost of the insurance in one lump but opt for monthly payments, then you enter into a regulated credited agreement which quite rightly is reported to the agencies

if you then miss a payment and are late, they are quite entitled to mark your file.

but it shouldnt hurt you very much in terms of scoring or the availability of credit.

 

as for the penalty charge, that's unlawful under fca/oft rules and can be questioned to if you need to pay it.

 

though you might find its the finance company you need to complain too if its not financed by admiral themselves.

but eitherway its an unlawful penalty.

 

dx

 

  • Thanks 1

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

Thank you

Share this post


Link to post
Share on other sites

they can only charge you what it costs them to administer the bouncing DD so about 60p

Share this post


Link to post
Share on other sites

I received this letter (attached) today, from Admiral.

 

I have a few questions about it.

  1. Is it true that that no one there is responsible for sending data to the CRAs?  Admiral state that they cannot give me a name and contact details for any sort of data manager or someone there who controls data sent to the CRAs? is that right? I thought all credit businesses had to have a data control manager who has discretion? 

  2. They also state "You will be in Default under the Agreement: If any Direct Debits are refused by the Bank/Building Society within any policy term. “ The point I made is that I set the direct debit payment dates myself and, while some bounced, Admiral were paid within seven days of that under the same direct debit instruction (re-presented). Surely that is the “policy term”?  They also reported some missed DDs and not others, which is odd if, as they state, ALL DDs are reported electronically without human involvement.  I would also add that I have been with them about 10 years, without complaint, and they only started filing with the CRAs about 4 months ago.

  3. Whether they will or not, surely there is a data controller at Admiral with the power to remove adverse data?

 

This seems to be a classic case of an unhelpful case worker at Admiral with “the computer says no” mind set.  

 

Admiral response 17.4.19.pdf

Share this post


Link to post
Share on other sites

Admirals' refusal to provide me with the contact details of their data controller must be in breach of the DPA, surely?  Are they not required to have a data controller to exercise control over – and take responsibility for - the processing of customers’ data.? 

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...