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    • Thank you Please explain your words "The optics would not be good". I'm very stressed and not thinking right, sorry.  T&C are here:  Attention Required! | Cloudflare WWW.CURRYS.CO.UK   Each instore trade-in gift card says to use it to buy sepecfic product and that you can't use it towards airtime, certain phones or accessories but it also works on anything else.    Here example of voucher  currys voucher.pdf PS. my friend rang customer services in front of me and his card was emptied by the same person that emptied mine. He got his vouchers from 2x different stores so instore theft by employee isn't valid in this case. 
    • My main argument is that they are in receipt (on balance of prob) of my SAR 2022 letter and my letter of claim.   Regardless of this they chose to insist that my emails in 2021 are what my claim is about by saying:"   ". The Claimant has presented a claim seeking damages for alleged breach of the Data Protection Act 2018, Section 45 (3), following a subject access request he made in 2021.   However, the email chain makes it clear that the Claimant seeks information in relation to a third party's personal injury claim against him"   I'm arguing that they're (alleged) confusion is unwarranted as my most recent communications make it clear that I am intending to claim for my newest request dated 2022...   it seems to me they are purposefully taking advantage of the fact that my particulars of claim does not mention the exact date of my DSAR referred to in my claim, to pretend to confuse my claim with my old DSAR in 2021. Although my new letters which are on their system are clear.   They have:   1. ignored my letter of claim and my DSAR 2022 sent by letter 2. viewed their system and see my new letter for DSAR 2022 and letter of claim, and view my old emails in 2021. 3. insist that my claim is about my old SAR in 2021 and without asking for any clarity (on which DSAR my claim refers to) if they required, immediately fire of an application to strike out and supposedly spend hours on these documents.   (Also, technically, they are claiming that in my older DSAR dated 2021 that they provided all the data relating to me, that is their claim. However there is no evidence of that. I presume only the ICO can confirm such by reviewing their files...)     is what I'm writing making any sense? Please can the experts assess my defence, and let me know whether I should just pay the £1k in case the costs increase if it goes to a hearing.   My claim is only for a very small amount of money but they're claiming £1k..    
    • To answer the question whether Currys has a case against you, someone will need to analyse the detailed terms of the offer, anything you signed etc.    This is not the shoplifting type of case that RLP pursues. If anything, Currys will pursue you, but I can't see this happening. You took advantage of a weakness in Currys' design of the particular promotion. The optics would not be good.    I have the impression that your friend's gift card details may have been used fraudulently. Perhaps he should investigate it further with Currys. I am not sure he is right if his attitude is that you just don't argue any more. 
    • Morning DX,   Crashed out last night!   I shall submit the following defence today and have added point number 6 as you advised regarding the year until which I was in deferment and never earning more than the threshold.     The Defendant contends that the Particulars of Claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made.   1. Paragraph 1 & 2 are noted the Defendant has in the past had financial dealings with the original creditor - The Student Loans Company. I am unable to recall the precise details of the alleged agreement or debt nor do I recognise the agreement numbers the claimant refers to. The Defendant has sought verification from the Claimant by way of a section 77 request which as to this date has failed to comply and remains in default.   2. Paragraph 3 & 4 are denied. I am not aware of any service of a Default Notice pursuant to section 87 of the consumer credit Act 1974 by the claimant nor the original creditor, nor of any legal assignment pursuant to the Law and Property Act 1925 section 136 (1).   3. It is not accepted with regards to the Defendant owing any monies to the Claimant and the Claimant is put to strict proof to:   a) show how the Defendant has entered into an agreement; and   b) show how the Defendant’s alleged debt has reached the amount claimed for; and   c) show the nature of breach and service of a Default Notice and subsequent Notice of Sums in Arrears in accordance with the Consumer Credit Act 1974; and   d) show how the Claimant has the legal right, either under statute or equity to issue a claim.   4. As per Civil Procedure Rule 16.5 (4) it is expected that the Claimant proves the allegation that the money is owed.   5. On the alternative, as the Claimant claims to be an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of section 136 of the Law of Property Act and section 82A of the Consumer Credit Act 1974.   6.  The defendant was in continued deferment until 2020 and has never earned over the threshold.   7. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief
    • Pressure on consumer finances is set to increase over the rest of the year, the supermarket saysView the full article
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Virgin Money Closing my account


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Posted (edited)

I am at a loss. Last week I received a letter from Virgin Money saying they are closing my account in 60 days but no explanation. I called and was told to go into branch so I travelled 25 miles to the branch to be told it was nothing to do with them. 

 

Bit of background

I opened a Yorkshire bank account in 2014 as my town had a branch (long since closed)

 

A little while later I opened a Yorkshire bank credit card with a small credit limit

 

More recently I opened a B credit card as it had zero non sterling transaction fees , this was just before they closed that type of card to new applicants.

 

So Virgin money come along and transfer all my accounts to virgin money. 

 

I opened another virgin credit card with 12 months 0% as I had drowned my old iPad and wanted a new one.

 

Almost two months ago I found out by looking at my statement that the B credit card had changed its terms and conditions and now was only zero non sterling if the transaction was in euro's Swedish Kr and Romanian Lee. I called and queried this to be told it was a commercial decision but the call handler did acknowledge that I had not been told about this.

 

I made a complaint - to be honest this was the reason for keeping the card open . They have about another 3 weeks before the 8 weeks are up and I take it to the FOS

 

Anyway, after getting the letter giving me 60 days I made a complaint that they a) sent me round the houses b) were unable to tell me why. I was told I would get a call back within 4 days 

 

After 7 I called to be told the complaint had been closed as it had no standing and that the reason my account was closed was something really serious and someone would call me before the end of the 60 days.  

 

Just to confirm, I usually keep £1000 minimum in my account (to get the interest) , have never once been overdrawn and my wages get paid in every month. I pay all my bills from the account . I admit I did a bit of moving money around a couple of months ago and also made a couple of 1K cash deposits.

 

Is there anything I can do? Oddly they have not closed my credit cards

 

I have now opened a student bank account with HSBC and also checked my credit file. HSBC are doing a switch to move all my DD's. I have also opened another credit card that gives no charges on non sterling transactions or cash withdrawals ( I can't quite believe it as it nots Halifax).

 

I want closure but I also want Virgin Money to pay.

 

Sorry for the long rant  

Edited by dx100uk
now now.

Any opinion I give is from personal experience .

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You want them “to pay”, but for what loss?

 

They are obliged to treat you fairly, but don’t have to have you / keep you as a customer.

 

Since you “admit” to “ a bit of moving money around a couple of months ago and also made a couple of 1K cash deposits” - do you think you account may have been flagged as a risk for money laundering as the trigger for this?

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When I say pay I mean it figuratively, however, the change in terms and conditions of the credit card will have some real life costs to me- it was the card I use when we go on holiday which is often outside the eurozone. Our countries of choice are usually Poland, Croatia and the Czech republic and prior to the war, Kyiv.

 

I am indeed wondering if the movement of money has flagged something but there are really straightforward answers if only they asked. If that is the reason then fair enough and lesson learned , by the way it was not mega bucks, the maximum cash deposit was £1300.

 

I had also been paying the ground rent for my partner for 10 months and then deposited a cheque for 10 months ground rent.

 

When we go away , I like to have some money in different accounts incase any do not work where we are going, but I am not affluent enough to be able to have it sitting there when we get back.

 

I have checked an up to date version of my credit file and there are no cifas markers.  

Any opinion I give is from personal experience .

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Spot on then, just the transfer of money around A/C's 

and of course but not limited too, p'haps they peaked at the countries you visit too.

 

if the CC co. did not inform you in writing of the T&C change, as they must for you to have the option want to continue with the card,  you could have objected, but ofcourse they'd just say bug of then i suppose...

 

dx

 

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thank you of the heads up but casual readers will not be able to identify me from my usernames. Different places give different perspectives, to be honest, some can be quite judgemental some less so. 

 

I appreciate I will probably get nowhere but I would like an explanation if only so that, if they have found my actions suspicious, I can refrain from doing it again.

 

If Virgin money had told me they had also changed the terms of my current account so there were no non sterling transaction fees, I would probably have been fine. It's not spending on credit that is important, it's avoiding fees and lining the pockets of the banks that is.

 

I have been under considerable stress and anxiety relatively recently and this has been quite triggering. The irony being I am in a more stable financial and personal situation than I have been my entire adult life - I feel more affluent (remember affluence is relative ) than I ever have. 

  • I agree 1

Any opinion I give is from personal experience .

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