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    • The employer should consult staff about furlough and ideally they should be transparent about what's happening, but this is all new.   Emmzzi may know more than I do.   HB
    • Email,. today from BW Legal    Without Prejudice Save as to Costs 09 April 2020 Dear XXXXXXX Our Client: PRAC Financial Limited Balance Due: £521.65 Hearing Venue: XXXXXXXX Original Creditor: Instant Cash Loans Ltd trading as Payday UK Original Account Number: XXXXXXX Hearing Date: 16 June 2020 We are writing to you because the court has listed our client's claim for a court hearing on 16 June 2020. We understand this is a difficult time for everyone, which is why our client is keen to resolve matters amicably by offering you the opportunity to pay a discounted balance on the sums due. We wanted to let you know that we are available to assist you throughout this time via numerous methods, from our Contact Centre, Webchat and our Customer Portal. We want to ensure that if you are or have been directly or indirectly impacted by COVID-19, that you still get to the best advice and reassurance about how to manage your account with us. Please call us on 0113 468 3021 or speak to us via Webchat so we can assist you at this time, we just need to understand your circumstances in order that we can help. Great News - 35% Discount Offer Our client wants to help with any possible financial burden that you may have and we are able to now offer you a pre-approved discount. This can be paid in one lump sum, or you can pay this over a pre-agreed instalment plan. This offer is open until 09 May 2020. What is even better for you is that you do not need to call us to accept this offer if this is affordable to you. Just log in, or register to use our Customer Portal www.bwlegal.co.uk and select "Customer Login". The pre-approved settlement and plan is ready for you to accept. You need to quote our reference, along with your address details and a couple of other security questions in order to register. Our Customer Portal is very easy to navigate and you can choose various different payment methods and payment dates. You can also use the payment calculator, view your account, statement and talk to us via Webchat if you need assistance. Strictly, without prejudice, the discount available is 35% from your current balance. If you do take advantage of the offer, the revised amount to pay will be £339.07 if paid by 09 May 2020. If you cannot afford to pay the discounted amount in full, do not worry. If affordable for you, you can still take advantage of the offer by repayment plan. We have a pre-approved monthly instalment amount of £20.00. The plan has been recommended to take into account estimated disposable income. We have also made it easy for you to accept the offer without having to call us. If this is affordable to you then simply log onto our Customer Portal and accept to pay the offer by instalments. You will be able to choose the first payment date and payment method. Once the offer has been accepted, we will withdraw the claim and notify the court that the hearing listed on 16 June 2020 does not need to go ahead. If you have filed a counterclaim, you will need to ensure that you inform the court and ourselves, in writing, that you no longer wish to proceed with the counterclaim. Important information about credit reporting When you opt to set up a discounted repayment plan, if our client already reports your account to a credit reference agency then they will continue to report your balance and payment each month. On receipt of your final payment, our client will then mark your agreement as closed with the status "settlement".   Yours sincerely, BW Legal
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    • Post 16  https://www.consumeractiongroup.co.uk/topic/420400-vcs-spycar-pcn-no-stopping-southend-airport/?tab=comments#comment-5040496   Post 23  https://www.consumeractiongroup.co.uk/topic/419312-vcs-pcn-no-stopping-in-restricted-zone-bristol-airport/#comments   Here are two good examples.  Tweak them according to your circumstances and post up what you intend to send.
    • FCA announcement 9/4/20 From interest-free overdrafts to credit card payments, the FCA has told banks to help borrowers during coronavirus crisis: What will it mean for you? The FCA said banks must offer interest-free overdraft buffers of £500 It also said people could put their credit card repayments on hold for 3 months This would not affect their credit score but they would still be charged interest This is Money explains what the proposals mean for consumers     https://www.dailymail.co.uk/money/cardsloans/article-8203647/What-todays-new-FCA-debt-measures-mean-you.html   https://www.fca.org.uk/news/press-releases/fca-confirms-temporary-financial-relief-customers-impacted-coronavirus
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hillards

Old DJ's old Hx account

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New thread as it is a different topic...

 

Whilst sorting out my claim for bank charges (http://www.consumeractiongroup.co.uk/forum/halifax-bank/39442-old-dj-halifax.html) my Hx bank account was closed.

 

What can I do about this, perhaps by way of claiming some compensation?

 

My view is that the Halifax caused the account to have problems through their Card Services people taking money without telling me, no notification or anything. That caused direct debits to bounce, hence incurring charges and quickly getting to the point where I was unable to use the account.

 

The branch cancelled all automated payments for me, to prevent more charges being added, but I did not know the account had been closed until this was mentioned in the initial offer letter, as they wanted to deduct part of my claim to settled the amount they had 'written off' - which in itself is a contradiction?

 

Between sending my SAR and getting the offer letter the account was closed by head office. No notification of this either.

 

I have always maintained that I was doing my best to keep my bank account funded to pay direct debits. No salary was being paid in and I had cancelled, and cleared, a previous overdraft arrangement. In the letters from the Hx they would say:

You are in breach of these conditions because without our agreement you have used your account or allowed someone else to use it so as to make your account go overdrawn.

I have highlighted that in my correspondence with them and pointed out that it was of THEIR doing, no mine, or under my authority, and I have never accepted any responsibility for 'allowing' my account to be mis-used.

 

I do feel that this action should not have been taken by them, although it appears to have been closed prior to them receiving my initial request for repayment letter. I do not know the exact date of closure.

 

As I don't have an account with them any more I have no problem in taking up the gauntlet and doing battle on this topic - but where do I stand? Am I likely to get anywhere with this, apart from a slight feeling of satisfaction if I send them a letter about it?

 

I have been inconvenienced in many ways:

1) the bills that bounced could not be caught up on (due to their charges), so I'm a month behind with a lot of things and cannot catch up just yet. I am going to use part of the reclaimed charges to try and balance this

2) I have incurred late payment fees for not paying my bills on time.

3) because I am no longer paying via direct debit, I am suffering from additional costs from some companies who gave a discount for direct debit payment.

4) my electricity and gas company have issued a default, demanding full payment of the account. This used to be on a monthly payment plan until the Hx bounced the payments - which meant that agreement was stopped. I cannot pay the full amount and face disconnection if I am unable to reach an agreement with them. (same supplier for both services BTW)

5) my reclaimed charges are having to be repaid by cheque as I don't have an active account for them to refund to (which has delayed payment).

6) Because my available funds have been further restricted, due to the account closure etc., I have not been able to meet other payments to other credit companies, putting my credit history at risk. This includes their own Card Services department, so we go full circle with them!

 

I've no doubt there are more points I could add, that is just to demonstrate what damage has been done because THEY mis-managed my money. I do feel justified in speaking out and taking some sort of action for damages.

 

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