Jump to content


  • Tweets

  • Posts

    • good idea take some pix and put them in a PDF read UPLOAD dx
    • thread title updated moved to overseas debt forum. sadly as they are outside any UK jurisdiction upon DCA rules which state in the UK they must not call employers, there not alot you can do to stop these scammers. make sure you totally make private ALL social media twitter/facebook/linked in etc etc as there no-way for them to findout where you work otherwise so you must have a leak somewhere. find it. your employer details arent even legally available to UK DCA's so how have they found it out to date???  simply write to the BANK informing them of your correct and current address ALWAYS!!. if you want to arrange payment or not TO THE BANK ONLY thats upto you. never ever ignore a Statutory Demand a Letter Of Claim a Court Claimform. if if if any of those ever happen. till then ignore and rewash. dx    
    • Date of issue –   13 may 2024 AOS date 31st may defence filing date 14th june plenty of lowell card claimform threads here use our enhanced google searchbox Lowell card claimform id be reading at least 5-10 threads a day. do NOT MISS your defence filing whatever happens.  
    • Hello All,  I’m hoping someone can help me urgently here. Firstly, I’d like to say I have read multiple other threads and have some what an idea of what I should be doing, however my case might be slightly different so coming with my own questions here.    my situation is I lived in Dubai and had a credit card and a loan, loan with HSBC and credit card with Emirates (or the other way round), I lost my job and was forced to leave the country as I was staying in the country on my companies visa.    since coming back, after a few years 2 different debt collections agencies have been approaching me (one being IDRW and the other J&P). I’ve never answered IDRWW and they constantly chase me by calling and messaging me and my employer. My current company is ok with this as I explained the situation but I’m soon to be joining a new company who definitely won’t be ok with being messaged and called. I’m afraid to continue to ignore them as they may message and calm the new employer as they have before and I’ll lose my job. However, it seems clear from these forums that dealing with the debt collection agencies is never a good idea. You shouldn’t agree to the amount or pay anything.    j&p caught me on my phone but I still haven't sent them any money or confirmed the amount they’re saying is owed, they keep pushing to pay off the “principal” amount by making monthly payments, from reading these forums it seems like if I make one of those payments (they have provided bank details for ENBD), then it’ll just be paying off interest and not actually clearing the principle debt and the bank won’t even approve receipt of payment or that it’s coming off principle.    this is my predicament as ignoring them might not be an option if they chase my new employer. Maybe there’s a way to ensure the debt collection agency don’t contact my new employer?? I don’t know? Massively appreciate peoples help here. Thanks, 
    • The clock is ticking for savings providers. They now have just a few weeks left to get their act together and start offering loyal customers a good deal.View the full article
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

StepChange DMP - Multiple Debts


Recommended Posts

reason?

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... 

Link to post
Share on other sites

Posted (edited)

I can't find the message now in the app for some reason, but it said something along the lines of it checks accounts from time to time and something about credit check agencies and unfortunately they are closing my account in 90 days and to make sure there is no money in my account by that time :(

Is this a problem I am going to have every time I open an account with someone new? I've had all my direct debits and standing orders changed over to Starling, which was a massive ball ache doing it manually.

When I was in panic mode over the Santander issue I applied for Starling, Monzo and Co-op. They all accepted me and gave me an account but I chose the Starling one (which I actually really like too).

If anyone knows how I find the customer service message in the Starling app please let me know and I'll copy the message to here. I can't see any option in the app though for messages.

Edited by LilMissM
Link to post
Share on other sites

Did it come as a notification or an actual text?

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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

Link to post
Share on other sites

I got a text notifying me of a customer service message in the app, so I opened the app and saw the message but it isn't there when I re-opened the app. I am not sure if it was a message or a notification sorry :(

Should I use the Monzo account and use the Switch feature to get all my direct debits, standing orders, wages etc moved in time for May?

My concern is that Monzo do the same as Starling and I find myself with no bank account and no one accepting me.

Link to post
Share on other sites

You can use Monzo if you want but don't use the Switch Service because it'll move your overdraft too.

To get to Starling messages tap your profile on the top right of the app, tap help then "Talk to Starling"

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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

Link to post
Share on other sites

I would recommend logging a complaint with Starling as well. They won't tell you why they've closed the account but you can make sure it's done properly and raise it with the ombudsman also.

There's not much you can do apart from getting your money moved from Starling to Monzo and moving your direct debits over.



 

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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

Link to post
Share on other sites

I don't have an overdraft with Starling, I didn't have (or want) the option and my account is well in credit.

As there is no overdraft should I use the switch service?

It just sounds so much easier than me having to do them all manually again.

Link to post
Share on other sites

This is the message I got from Starling (thank you @lolerzfor helping me find it in the app x)

 

Hello M,

We regularly review our customers' information to help keep Starling and our customers safe. After reviewing your information, we're sorry to say that we're no longer able to offer you a bank account. Because of this, we'll need to close your account on 09/07/2024.

Why we're doing this

There are several reasons why we might need to close an account. To inform our decisions, we review information from the credit reference agencies and fraud prevention agencies we've listed below. During our latest review, we found some information that concerns us. 

You're entitled to ask for a copy of the personal information held by these agencies blah blah blah

What happens now

Under the terms of your account, we can close your bank account by giving you 60 days' notice in writing. In this case, we're extending it to 90 days.

You'll now need to find another bank account with a different bank. Please make sure there is no money left in your Starling account by 09/07/2024. If there is still money left after this date, we'll move it to a holding account and you'll need to get in touch if you want to claim it.

If you have an overdraft blah blah blah (I don't have an overdraft)

We understand the decision to close your account is disappointing, and we're sorry about that. If we can help with anything else, let us know. 

Thank you.

6 minutes ago, lolerz said:

Can do, see what happens.

That sounds ominous :(

Link to post
Share on other sites

looks like you've got to do it yourself again then.

It's part of FCA guidelines that Starling won't tell you why they're closing the account as if a member of bank staff inadvertently tips a fraudster off they become complicit in the crime. It means that *no* account closures will be explained outside of generic reasons to protect bank staff.

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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

Link to post
Share on other sites

I have been in touch with Starling this morning, explained that they want to close my account but have rejected the switch to my new account and the lady I was talking with said she couldn't see any reason why the switch would've been rejected and she will look into it asap. 

My main concern at the moment is that I change all of my direct debits etc over and then the same thing happens. I've heard Nationwide are a good bank for people with poor credit scores, so I'm looking into opening a basic account with them. 

What a huge mess this is turning out to be :( 

Link to post
Share on other sites

Starling came back to me and said they have made some changes on my account and I should now be able to use the 'switch' option. 

I have a Monzo account which I opened when I opened the Starling account, but I have not used it as yet because I was happy with Starling.

I feel like I am seriously running out of options. 

If Monzo do the same as Startling and let me set up all my direct debits and standing orders etc and then tell me they're closing my account in so many months, what do I do then? Where do I get a bank account? 

I have applied to Nationwide, got the account set up and all the details etc. Then today received an email saying sorry they were not going ahead with the account and it would be closed today. They didn't give me the option of a super basic account.

I have tried RBS and Co-op too and they did and said the same. 

I feel like a leper or something.

I have only defaulted on my loans one month.

It hasn't even shown up on my credit report yet, but these knock backs are definitely to do with my credit score because RBS said " Unfortunately, having made those checks we are unable to proceed with opening your account at this stage." 

I don't know what to do. 

I did open a Co-operative account and have all the details and even a debit card, but when I'm trying to register for online/mobile banking it is just saying for security reasons the account is locked and to call this number, which I managed to get through to the other day after holding for an hour.

I am on hold again now but with what's happened with Nationwide and RBS, I am not feeling particularly optimistic.

Any advice on where to go or what to do next? x

Link to post
Share on other sites

have you got any more historic defaults or CCJs (Say, in the last 7 years) that you think would still be showing on your credit record?

Something's not adding up here.

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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

Link to post
Share on other sites

I think I might have had a CCJ but it was way longer than 7 years ago and I have been able to apply and get loans, credit cards etc.

I have been pretty fine with my finances until now, until this mess I managed to get myself into this year :( 

There is nothing showing on the TransUnion credit report about an old CCJ.

Is there another place I can look to see if there was one and if so how long ago? 

I have signed up to TransUnion and on there it says (in Search History):
 

ORGANISATION
PURPOSE
DATE
Transunion Consumer Id Check (Ml)
 
Identity Check for Credit
15 Apr 2024
 
Nationwide Building Society (Sr,Tac,Ct,Cval,R)
Nationwide Building Society Bav (Cval Ml)
Anti-Money Laundering
11 Apr 2024
 
Monzo Bank (Cosmos, Cr, Sa, Ar, Ct Batch)
Monzo Bank Limited 2 (Cosmos Ar)
AF
10 Apr 2024
 
Monzo Bank (Cosmos, Cr, Sa, Ar, Ct Batch)
Monzo Bank Limited 2 (Cosmos Cr Bsb)
Quotation Search
10 April 2024

I think AF means a financial association with someone or something, but I have just read that that could be something as simple as sharing an address with someone (which I do). 
 

Public Information

Details of any Bankruptcies, Insolvencies or Court Judgments that are in your name in relation to settlements of money.

Bankruptcies and Insolvencies

You do not have any Bankruptcies or Insolvencies on your credit report.

Judgments

You do not have any Judgments on your credit report.

There are no Cifas markers registered against you.

You do not have any Notices of Correction on your credit report.

Does any of this make sense?

I don't mean the information I have provided above, I mean why I am being rejected by every bank I have applied for, except Monzo (so far) :(

Every loan I have ever taken out has been paid and settled on time, I have never missed payments on things.

The only things I have outstanding at the moment are the ones I listed at the start of this thread when I completed the budget planner. 

 

I have just checked Experian too and there is nothing on there about CCJs or any other suspicious or adverse info that would impact me like this, other than my present situation of course.

 

Bankruptcy, CCJ or IVA

This includes court judgments (CCJs), debt relief orders, bankruptcies, individual voluntary arrangements (IVAs) and other public records recorded against you.

You have no public records.

GAIN (Gone Away Information Network)

Lenders use GAIN to tell each other about customers with unpaid debts. If in the past you’ve left unpaid debts when living at a previous address, you may appear on GAIN and so lenders may be less likely to give you credit.

You have no GAIN records.

 

Should I go to see the CAB or something? I just don't think I have the strength or brain capacity to deal with all of this. The mess I have gotten myself into is bad enough and now this on top. My head hurts. What should I do? 

It's all very horrible, I feel genuinely scared and stressed because of all this. I don't understand what is going on :(  

I have raised a dispute with Santander to see if they have done something. I have just explained my situation, what is happening and that it all seems to have started when I told Santander I was struggling, had approached StepChange and transferred my direct debits etc to Starling.

It was all going well with Starling, I actually really liked it, but now everything has just gone to !!!!!! and I feel sick to my stomach :( 

Link to post
Share on other sites

calm down and stop panicking about a nothing burger.

itll work itself out.

more later, you've done no lasting 'damage' 

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... 

Link to post
Share on other sites

Hi  :) 

It isn't working itself out though, it's just getting worse :( 

I am a fish out of water here.

Do you know why this is happening and what is happening?

 

Link to post
Share on other sites

what isn't working out....one very small issue, the rest is going perfectly fine.

stop doing your usually running around waving arms and screaming on my god oh my god...sorry too used to you LMM:eyebrows:

even if you cant hold down a new bank account all is not lost . 

ive not seen any reports that monzo refuse people 

so go with them.

pers as i said id NOT be using any switch service, as there are debts you want to stop paying and get them defaulted BEFORE you ever think of poss might could should pay them.

its only a handful of stuff like rent/ctax/ etc that you need DD for

ive not used DD's in almost 30yrs now nor use Standing orders, i do it by BACS each month priority bills first (can take roof from over my head if not paid) there REST all get paid if/when i've had the money.

2 well 3 things id dump too or get cheaper.

cable/sat tv - ££6PCM . which i will is internet/tv/landline ? from whom that is very expensive. mine is £27PCM for 100MPS Broadband etc all in.

tv licence... who cant tell you are watching live tv even if you dont....

mobile phone £27? - go over to giffgaff no contract and as cheap as £6PCM even with mobile data (but use your home wf-fi when indoors!!)

no need to keep using @Username, everyone that posted gets an alert like you do if someone posts.

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... 

Link to post
Share on other sites

  • 3 weeks later...

Good evening all,

I have had an email back from Cifas regarding my SAR. It turns out that there is a marker against me and it was made by MY COMMUNITY BANK for the £5,000. I took out, stating:

"Misuse of facility – opening an account,
insurance policy, or other facility for a fraudulent
purpose or the fraudulent misuse of an account,
policy, or facility; or the fraudulent misuse of
insurance policy documentation"

I did email them on 7th March and told them I was struggling and was taking out a DMP (which was the StepChange DMP) and asked them to confirm the direct debit was cancelled but they just emailed back saying "In order to change your direct debit details, you will need to contact our service team on 0800 289 120."

So what do I do now? It looks like I'm pretty screwed.

Link to post
Share on other sites

SAR to My Community Bank now imo.
 

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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

Link to post
Share on other sites

Posted (edited)

What are they going to tell me different to what the Cifas people have told me? 

Is it worth contacting them to tell them I'm struggling and hoping to set up a DMP soon? Or no? Just SAR?

Edited by LilMissM
Link to post
Share on other sites

Need to figure out why they've raised the CIFAS marker against you.

Also need to raise a formal complaint with them because instead of helping you when you're in financial difficulty (which they're legally obligated to do) they've instead raised a fraud marker against you.

Looking at the forum, there's another thread involving My Community Bank as of late where they've been difficult, refusing to stop interest etc.

I wouldn't even bother paying them anything, personally.

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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

Link to post
Share on other sites

Thanks lolerz, I'm doing the SAR now and will post it tomorrow.

To the very best of my knowledge I've never done anything fraudulent in my life! 

How can I not pay them back though, I do owe the money 😕 But let's face it, my situation can't get much worse surely!

Link to post
Share on other sites

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...