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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        
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    • 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
anon55

PRA Group

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Posting on behalf of a Female friend who is not a Techno Genius ,

 

She sent PRA a GDPR request, this turned up the other day, 

 

The letter with, stated that this was what they had on her,

unfortunately there are no copies of the letters she has received nor does it  include any copies of what they are saying is a ' Complaint '

 

She has written to them asking them to confirm that this is all the data they hold,

according as I read it from the letter it is,

 

I've advised her to make a complaint to the ICO as to PRA's shortcommings,

would this be the correct approach ?

 

thank you for your understanding

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She has received the data from PRA, but it doesn't include copies of the letters she has received, from reading their letter it says thats everything,  even I can see its not true, what she is asking is. is a complaint to the ICO in order ?

 

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WHY has she requested this sar

what is the reason for it?

 

dx

 


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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She received a Letter offering her a settlement, from a supposed account she had back in 2014,

 

she has had no paperwork at all,

she has not moved,

 

She requested details which they have not supplied but keep on sending letters,

she was advised to SAR them to find our exactly what was going on,

 

They have sent paperwork she has never seen,

She has no recollection regarding this,

 

the paperwork that PRA have sent does not include any copies of the letters she has received,

they have sent telephone logs of calls they were meant to have made,

 

She did call them to try to get to the bottom,

from what she says the announcement at the start stated

' All calls are recorded for training and security purposes , 

This also was not included,

it also does not include any bank details

ie, Sort Code or Account number, is it a fishing letter ?

She is now getting worried that this could go further

 

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settlement on what?

 

name the original creditor

and what type of credit they are wanting this discount settlement on they have bought the debt on

 

usually these letters mean they have poor or no legally enforceable paperwork but want to fleece people lining their pockets and resetting the SB date if her last payment is not outside of 6yrs.

 

ideally a CCA request should have been sent NOT an sar.

 

dx

 

 


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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SAR is useful to send the original creditor, to find out if there is reclaimable PPI, Fees and also when the last payment date was on the account, so that it can be determined if it's Statute Barred.  It is pointless to send one to PRA.

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The original creditor according to the paperwork is ALL IN FINANCE ,She has never had a account with them, apologies for the late reply work commitments unfortunately 

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