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    • So I make a post and ask you some questions and you then go in and make a response which deals with something completely different and which ignores the questions which I have asked completely. I don't see how we can move forward on that basis
    • Thank you. First of all, this is not chronology so we don't have any sense of the timeline. It's still rather complicated – but maybe when you produce a chronology it will come more into focus. However, there are a few things that we can start to tease out. You say that you accepted £250 in an offer which was intended to reflect distress. Although you say that you accepted this offer mistakenly, it may well be that you have no further rights on this issue because of course it would have been up to you to understand the situation properly before accepting any kind of financial offer. However, it would be useful to understand the reach of this offer and so please could you post up the offer letter by uploading it in PDF format. You say that "high-volume messaging" is not explicitly covered in the terms and conditions – but there may be references to "fair use policy" and it may be an interpretive problem rather than looking for words which specifically match your situation. So it will be helpful to know what words Vodafone were relying upon and also what was the extent of your high-volume messaging. Did they give you any warnings. You say that they referred to terms and conditions which you did not sign. However, it isn't necessary to sign terms and conditions. We would have to understand more about the context – but generally speaking if there is an agreement which refers to terms and conditions from the outset and you then embark upon the agreement and use the services, then all the signs would be that you've accepted the conditions of use. Signed written terms and conditions are generally speaking only required in contracts for property or copyright or shares. You say that the contract was put in your sole name despite the fact that the company name was on the agreement. We don't have a chronology so we don't see how long this went on for and you don't explain why you didn't raise any objections to this – or maybe you did? You say that you have sent Vodafone and Lowell an SAR but "so far" you are waiting for a response. This suggests that you sent the SAR some time ago – but you haven't told us anything about when this might have happened. You are referring to obligations under the Consumer Rights Act but I'm afraid that these obligations refer to contracts between a trader and a consumer – and you are not trading as a consumer so these probably wouldn't apply to you. Finally, you are worried about expressing a claim in legal language. If you begin a small claim then you certainly don't need any legal language – and in fact that kind of approach simply gets in the way. Also, it seems to me that you are gearing up to bring a court claim – which is fine, in my book – but you haven't identified your cause or causes of action and you don't have a plan. I think we need to slow down and have a more careful and methodical look at the situation. Otherwise you're simply going to find yourself in trouble
    • Late to this, sorry - my wife claims contributory ESA and got her P60 about two weeks ago. Now I know she's overpaid on her tax and I'm just waiting for HMRC (the department I currently work for) to figure it out. They owe her about £150.
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Greendeco

Benefit payment not in bank account DWP have sent it

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Hi

is anyone else having an issue where a payment they were expecting is not showing in their bank? 
my ESA should have been in my Citibank acct on 2 Jan 2020, it’s still not there

DWP have twice confirmed they sent it and it’s been accepted by the bank.

 

i can’t get any sense out of the call handlers, they keep asking what bank is the payment from and I keep telling them it’s from the U.K. govt.

ive referred them to the previous payment for reference purposes.

 

ive seen nothing much on social media apart from problems with fast payments at Lloyd’s (Citibank did use Lloyd’s for depositing cash as no branches in Manchester)

I’m getting increasingly worried as I feel so helpless, ill ring the bank again tomorrow but to be honest it feels pointless as the call handlers are not understanding what I’m saying.

 

anyone else having problems? 

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Oh Yes - Lloyd had issues with payments on the 2nd Jan... IT would explain the issues you are facing. 

However I truly am stumped on how to get you your money quickly. 

 

I would suggest raising a complaint over the phone etc and speak to a Complaint Handler. 

 

What maybe longer term is

 

- Raising complaint via CEO Level @ Citibank

- Raising Formal Complaint with DWP

- Sending DSARs... 

 

But these wont resolve your issues quick enough. You might need to harp on at DWP as if the payment failed - It would have probably been returned due to the issues.


 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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Receptaculum Ignis

 

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don't the DWP do emergency payments?

 


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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The DWP won’t help as according to them they’ve made the payment, and it’s the bank who has the money and they need to put it in my account.

 

ive raised a formal complaint via secure messaging on the online banking and if it’s not in tomorrow I’ll ring again.

trouble is I really found it hard with the call handlers, they didn’t seem to comprehend this was coming from DWP.

 

ive sent all the references from the last payment so I’m hoping they can trace it.

there was no sense of urgency with them and they had no idea why there was an issue. 


I’ll escalate it if no joy.

I’m really surprised there’s nothing on social media, only seen one other person who hasn’t had their pension payment 

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I suspect the payment will appear tomorrow.

 

There were problems with some Banks on Thursday and Friday last week, with the problem being fixed Friday afternoon.

 

As the Banks don't then process such payments at weekends, the amounts should then be credited on Monday.

 

If the amount is not showing Monday morning, contact Citibank and they can search their system for payments waiting in the system to come through.

 

If the payment is rejected by the Banking system for whatever reason, DWP systems should  show it as rejected on Tuesday.  They can then re-process it as a faster payment if necessary.


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If you want advice on your thread please PM me a link to your thread

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Thank you and yes you were right, however, I’m still raising a complaint.

at no time did Citibank inform me that there was an issue and why. 
when I called them they were unclear about what was happening and unhelpful.

 

this has caused me huge stress, and I have fibromyalgia so stress causes my pain to flare up, so I’ve been bad for two days now.

obviously my illness isn’t their fault but not being able to deal with customers with concerns adequately is.

thank you to everyone who responded. I really do appreciate your help.

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You are welcome... If Lloyds were the problem then your complaint rests with Citibank if they use them for banking services etc


 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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