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    • I see jenrick has stuck his head up with them, and I'm sure this wont faze their nasty rhetoric one wit-less UK growth since 2010 has been lacklustre and largely driven by immigration, says report UK growth since 2010 has been lacklustre and largely driven by immigration, says report | Economic growth (GDP) | The Guardian WWW.THEGUARDIAN.COM Resolution Foundation report suggests parties are dodging the economic challenges facing the country   Net migration is more than two and a half times the 2010 figure despite a string of Tory pledges to reduce it Immigration: how 14 years of Tory rule have changed Britain – in charts | General election 2024 | The Guardian WWW.THEGUARDIAN.COM Net migration is more than two and a half times the 2010 figure despite a string of Tory pledges to reduce it    
    • Will get them done asap My job changes week to week so at the time I didn’t know. 
    • You will probably get a couple more reminders followed by further demands fro unregulated debt collectors with even increasing amounts to pay. They are all designed to scare you into paying.  Don't. It's a scam site and they do not know who was driving and they know the keeper is not liable to pay the PCN. Also the shop was closed so they have no legitimate interest in keeping the car park clear. So to charge £100 is a penalty as there is no legitimate interest which means that the case would be thrown out if it went to Court.  Keep your money in your wallet and be prepared to ignore all their letters and threats. Doubtful they would go to Court since a lot more people would not pay when they heard  MET lost in Court. However they may just send you a Letter of Claim to test your resolve.  If yoy get one of those, come back to us and we will advise a snotty letter to send them.  You probably already have, but take a look through some of our past Met PCNs to see how they are doing.
    • Hello, been a while since I posted on here, really hoping for the same support an advice I received last time :-) Long, long story for us, but basically through bad choices, bad luck and bad advice ended up in an IVA in 2016. The accounts involved all defaulted, to be expected. In 2018, I got contacted by an 'independent advisor' advising me that I shouldn't be in an IVA, that it wasn't the solution for our circumstances and that they would guide us through the process of leaving the IVA and finding a better solution. I feel very stupid for taking this persons advice, and feel they prey on vulnerable people for their own financial gain (it ended with us paying our IVA monthly contribution to them)-long and short of it our IVA failed in 2018. At the same time the IVA failed we also had our shared ownership property voluntarily repossessed (to say this was an incredibly stressful time would be an understatement!) When we moved to our new (rented) property in August 2018, I was aware that creditors would start contacting us from the IVA failure. I got advice from another help website and started sending off SARs and CCAs request letters. I was advised not to bury my head and update our address etc and tackle each company as they came along. Initially there was quite a lot of correspondence, and I still get a daily missed call from PRA group (and the occasional letter from them), but not much else. However, yesterday i had a letter through from Lowell (and one from Capital One) advising that they had bought my debt and would like to speak with me regarding the account. There will be several.of these through our door i suspect, as we did have several accounts with Capital One. Capital One have written to us with regular statements over the last 5 years, and my last communication with them was to advise of of our new address (June 2019), I also note that all of these accounts received a small payment in Jan2019 (i'm assuming the funds from the failed IVA pot). Really sorry for the long long post, but just thought id give (some of) the background for context.... I guess my question at the moment is.....how do I respond to Lowell...do I wait for the inevitable other letters to arrive then deal with them all together or individually...? Do I send them a CCA?  Many thanks
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Parachute Account - Lloyds TSB & Upgrading


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Opened a current account with Lloyds TSB yesterday and gained a bit of useful info for anyone wanting to open a parachute account.

 

Basically if you are not credit worthy enough for a full current account, you get offered a cash-account. It doesn't have a solo / electron card, just a cash card, but you can do internet banking, DD's and Standing Orders.

 

The big difference I think though is that there is a genuine chance of your account being upgraded to a full account after 6-12mths. Basically he told me that they have their own scoring system on a scale of 1-9, with 9 being the biggest risk (think I have got that the right way round) and if you operate your account well, not getting charges (!!!), paying money in etc, then your 'risk' number gets lower. Once it gets to a certain level the computer automatically will let you upgrade to a fully functioning account. You can do this via internet banking as there is a tab on there to see if you are eligible yet.

 

My husband has been with TSB for years and his credit record is far from perfect - by their own terms, he should not have a Credit Card as he has a CCJ registered against him and yet just last week he applied and got one...with a hefty credit limit too.

 

Just wanted to make people aware of it as I know it is not one that gets mentioned a lot.

 

Hope that helps some people.

  • Haha 1

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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I applied & was accepted for the cash account (I was knocked back for a current account surprise surprise!), and was a bit miffed to find out that you can't add Paypal to the account to transfer money into the cash account.

 

I didn't want to fund my Paypal account from the cash account, just take out the £300 that's stuck in Paypal with me not being able to use it!

Lloyds Current A/C DPA sent 7th May 2009 Closed and charges wiped Summer 2010.

 

Barclays A/C DPA sent 4th June 2009: no reply, no correspondence as of 2011.

 

Littlewoods Data Protection Act Section 10 sent 09/06/2006 - Fraudulent A/C closed and CRA data removed November 2006.

 

HSBC Default & Debt wiped March 2009 (6 yr Statute barred reached)

 

RBS - Claim 1 - Settled in FULL £766.00 20/06/2006.

RBS - Claim 2 - Settled in FULL £777.95 08/09/2006

 

 

BOS A/C No. 1 & 2

Amount - £586.39 claim plus 8% interest

SETTLED IN FULL 08/09/2006 - CHEQUE FOR £625.25

 

Halifax Visa Data Protection Act Disclosure Received

 

First Direct Data Protection Act Disclosure received

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I didn't want to fund my Paypal account from the cash account, just take out the £300 that's stuck in Paypal with me not being able to use it!

 

Really??? Wow, I had NO idea about that. I wonder why that is? Is there no other account you can transfer it to, anyone that you trust?

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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I didn't want to fund my Paypal account from the cash account, just take out the £300 that's stuck in Paypal with me not being able to use it!

 

As long as you have the account number and sort code, you should be able to add it to Paypal.

 

Click on Profile > Bank Accounts > Add.

 

Fill in the relevant details, click 'Add Bank Account'.

 

After you've done that, it will ask you to confirm the account. No need to do that unless you want to use it to put money into Paypal. If you want to use it to transfer money from Paypal to your account it should let you do it straight away.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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Opened a current account with Lloyds TSB yesterday and gained a bit of useful info for anyone wanting to open a parachute account.

 

Basically if you are not credit worthy enough for a full current account, you get offered a cash-account. It doesn't have a solo / electron card, just a cash card, but you can do internet banking, DD's and Standing Orders.

 

The big difference I think though is that there is a genuine chance of your account being upgraded to a full account after 6-12mths. Basically he told me that they have their own scoring system on a scale of 1-9, with 9 being the biggest risk (think I have got that the right way round) and if you operate your account well, not getting charges (!!!), paying money in etc, then your 'risk' number gets lower. Once it gets to a certain level the computer automatically will let you upgrade to a fully functioning account. You can do this via internet banking as there is a tab on there to see if you are eligible yet.

 

My husband has been with TSB for years and his credit record is far from perfect - by their own terms, he should not have a Credit Card as he has a CCJ registered against him and yet just last week he applied and got one...with a hefty credit limit too.

 

Just wanted to make people aware of it as I know it is not one that gets mentioned a lot.

 

Hope that helps some people.

 

Wonder if ALL banks do this? Anyone her work for A&L and can give us any further info?

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Hahaha!!! Tis all mine (Well, rent money!)

 

I asked at my branch and on their customer service tele number. I asked because you get a charge back of £14 from Paypal if your bank rejects the bank details, so thought it best to check first before adding the details.

 

In all honesty tho, it was an indian call centre I got thru to and she said no, went into the branch the next day to be told you can't as well :(

 

One miffed and STILL skint student...

Bah

Lloyds Current A/C DPA sent 7th May 2009 Closed and charges wiped Summer 2010.

 

Barclays A/C DPA sent 4th June 2009: no reply, no correspondence as of 2011.

 

Littlewoods Data Protection Act Section 10 sent 09/06/2006 - Fraudulent A/C closed and CRA data removed November 2006.

 

HSBC Default & Debt wiped March 2009 (6 yr Statute barred reached)

 

RBS - Claim 1 - Settled in FULL £766.00 20/06/2006.

RBS - Claim 2 - Settled in FULL £777.95 08/09/2006

 

 

BOS A/C No. 1 & 2

Amount - £586.39 claim plus 8% interest

SETTLED IN FULL 08/09/2006 - CHEQUE FOR £625.25

 

Halifax Visa Data Protection Act Disclosure Received

 

First Direct Data Protection Act Disclosure received

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I also have a cardcash account from years back (as well as a full current account) so I am going to give it a go with my paypal account and will let you know the outcome. At the moment Paypal are transferring the two amounts to my bank account so if they go in I would assume that everything is ok.

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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I asked because you get a charge back of £14 from Paypal if your bank rejects the bank details

 

That's only if you confirm the account and try to set it up for direct debits.

 

You should be able to just add an account without confirming it, see my previous post.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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That's only if you confirm the account and try to set it up for direct debits.

 

You should be able to just add an account without confirming it, see my previous post.

 

But you are allowed DD's from the cardcash account anyway, so I can't see why TSB have a problem with it?

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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But you are allowed DD's from the cardcash account anyway, so I can't see why TSB have a problem with it?

 

In that case I have no idea why Sazz thinks the account can't be used for Paypal unless there's something she hasn't mentioned here.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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I have cash account card with black donkey no problems withdrawing funds from paypal

Account does allow DD and SO but card can only be used at LTSB cashpoint or over counter only, BTW our nearest cashpoint is 15 miles away and quite often is "Out of Order" do you think they would credit travelling expenses:p

Lloyds TSB - N1 claim issued 18/07/06 - £3440 Offered unconditional settlement 23/08/06

Vodafone-Information Commisioner assessment -default removal -25/07/06

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I can confirm on the Lloyds TSB thing...

 

I opened a cash account, which wasn't the most fantastic, as I only had a card that could be used in their cash machines...and I live in a tiny village so tha didn't help.

 

Had the account about a year when I got asked to join their select account. Got a current account at long last, with a visa electron, so getting there!

 

Laura

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Just had this response I sent via internet banking email:

 

Dear Dolly

 

Thanks for your e-mail about whether or not we accept payments from paypal.

 

We do in fact accept payments in this way. However in order to find out the process on how to set up the payments you would need to contact paypal directly as it is their process.

 

I hope this information is helpful to you.

 

If there's anything else we can help you with, please don't hesitate to let us know.

 

Many Thanks

 

Jennifer Ramsay

Customer Support

Lloyds TSB

 

 

:D

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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Nope, not any more info I can give you, but I called again yesterday during the day and spoke to someone again.

 

I explained that I wanted to add my cashaccount with LLoyds to my Paypal account. I only wanted to add it to transfer funds FROM Paypal, I don't want to fund the Paypal account. I told her that I'd been told twice I couldn't, but neither of the members of staff I spoke to didn't actually know who Paypal were, hence the reason for asking on here when I saw this thread.

 

I called yesterday after speaking to you guys and explained what I wanted to do again. She said she wasn't sure as it was a basic account only, so she would check with someone for me. She put me on hold and came back stating that I couldn't use this account with Paypal as it's a basic cash account. I said that I only wanted to transfer funds INTO LLoyds, not take funds FROM Lloyds to Paypal. I also asked how come I could have DD and benefits paid into the account but not Paypal transfers as they work on the same principle! She then asked me if I'd thought about upgrading to a current account, which would let me use Paypal transfers. I told her I'd applied originally for the Student current account but was declined & offered the cash account, which I took. (Parachute!)

 

I honestly have no idea now!! I think I'll just add it & try it. I just find it strange as I have a First Direct DD for insurance and benefits getting paid in, so how come I can't give LLoyds money from Paypal? You think they'd want funds going into the account!!

Lloyds Current A/C DPA sent 7th May 2009 Closed and charges wiped Summer 2010.

 

Barclays A/C DPA sent 4th June 2009: no reply, no correspondence as of 2011.

 

Littlewoods Data Protection Act Section 10 sent 09/06/2006 - Fraudulent A/C closed and CRA data removed November 2006.

 

HSBC Default & Debt wiped March 2009 (6 yr Statute barred reached)

 

RBS - Claim 1 - Settled in FULL £766.00 20/06/2006.

RBS - Claim 2 - Settled in FULL £777.95 08/09/2006

 

 

BOS A/C No. 1 & 2

Amount - £586.39 claim plus 8% interest

SETTLED IN FULL 08/09/2006 - CHEQUE FOR £625.25

 

Halifax Visa Data Protection Act Disclosure Received

 

First Direct Data Protection Act Disclosure received

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Sazz I think they are just saying no because they don't have a clue what Paypal is.

 

I suspect they are typing 'Paypal' into their computer and "computer says no".

 

Just add the account to Paypal - I'm 99.99% sure it will work - there's no reason why it won't.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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  • 2 weeks later...

Just wanted to bump this to say have had paypal money paid into this account no problems at all :)

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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Just going to pick eldest brat up from school - will send you a PM when I am back :)

Value is the total, including the 8% interest (but not the court costs as that automatically puts it in)

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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I have a barclays- cash card account- no current- have been refused god knows how many times- becoming very frustrating! ....i was also told here that after six months if i operated my account well i could have a current acccount- so i go back in six months- but refused- and i have BEVER gone overdrawn0- and have a large wage paid in every month- plus other monies i get from freelance work....so i think i might go and swap- and go to LLoyds!!

Just bit of info for you all.

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Wonder if ALL banks do this? Anyone her work for A&L and can give us any further info?

 

Most banks have their own internal credit rating systems for existing customers. Experian etc charge per search so it's cheaper for them to do it in-house where possible.

 

They don't like parting with money ;-)

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