This topic was closed on 03/07/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 03/07/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

most of the companies I've asked to accept reduced payments, have done so without defaulting the account. Only one defaulted the account but as long as make the lower payment on time the account won't be passed to an external dca. they were even really understanding when i explained that i couldn't reduce the payments on my staff card, because of it being seen as gross misconduct. that's because i was honest about why i needed the exta £60 a month for one creditor rather than trying to fiddle the figures on my expenditure.

the indian staff have been told that if you request to be transferred to the UK, they're suppose to. UK staff work 8-8 week days and 8 - 6 weekends. we've started outsourcing to Canda now as well.

Robert Udy isn't a ghost, he's a manager of the department that has nothing to do with chasing payments, but still he's a pretty important manager, so I'm shocked that someone said they didn't know him! as far as senior managers go, he's quite nice. As for that phone call you received, and i work for crap.1, that's appalling!!!!!!

email isn't secure. if your account is up to date, you'll be able to log on web site and send a secure message through that.

I didn't mean to be patronising, it was meant in a light hearted jokey way. i did not read my t&c and the joke was made at that. Er... yes... Why don't you have a quick look at the Litigation board, and read? And momentum is gathering, as Data Protection Act request and court claims are reaching their conclusions. i'm sorry, i'm not great with computers. it took me a long time to figure out how to add a thread and i still can't open some of the folders. I was simply asking the question. I wasn't expecting someone to so openly and sarcastically mock my inability to use a computer. :cry:

good to hear that it helped someone.

This seems so unclear to me and I'm confused????? Are you against the bank staff (like me) who have debts using this site to help them get refunds on their own personal accounts and until the refunds come through, giving their knowledge to help others??? That's not really fair if it is. Its the same as saying a doctor shouldn't get sick because they know how to fix it. I personally couldn't give a monkeys how much profit my empolyer makes or all the other nitty gritty stuff. I only care that come the 16th, they've paid me correctly. or how stupid they look at press conferences when they defend the £20 fee and then backtrack to reduce it to £12. what i wanted was help and support getting my fees refunded, and to help by giving info about the bank i work for that i think people may find useful. but if the attitude is that i'm not welcome on this site because i'm paid by one of the banks, then i don't see why i should risk my job to offer people what i thought was helpful advice Or you against the acutal bank snooping and spying at what is said on this site? which is completely different

i've been told if a settlement form comes back not accepting the reduced fees, we're to send out another letter saying that our offer is still open but it is the final response and if you're not happy with our final response, you can complain to the FOS. So you're more than likely have to go to court to get more back

you can't email.

have you received copies of the signed app forms yet?

'lee powell's' department is below anyone who replies from ERC office. You can tell the difference by the reference on the on the letter if it starts RR it's l'ee powell' if its erc its the complaints office. Most letters go through 'Lee Powell' and depending on what's said in the letter it'll be passed 2 erc office (only if meets fsa guildelines of a complaint). So even if you send the same letter 10 times addressed 2 all sorts of people in different offices it will end up with 'l p' before being passed on. Also I soooooooooooooooo didin't say this and please do not quote this in any way shape or form or mention that you got it from this site if you do put it in your letters. lee powell, left cap1 at xmas, they just haven't got round to changes the signature.

ok, i'll give you an example which might help. Say your balance was £200 and you paid this in full but it was a few days late so a late payment charge and interest would be added (say £25). This would give you a balance of £25 (because you cleared the previous balance in full). If you then didn't pay and the account eventuallt defaulted six months later for £150. We'd be able to remove the default because the balance was just charges as the £200 payment had cleared your transactions. If your balance was £200 and you only paid £10 but paid it late, getting charges. you then refused to pay because of the charge you received, causing more charges and the account eventually defaults for £365. We'd be unable to remove the default because even if all the fees were refundedm you'd still have your original £200 that you've not paid for. As I said before, i don't deal with those going through court claims. The amounts I deal with, the refunds still don't clear the balance. So I can't tell you what would happen to the default if the refunds cleared the balance.

why would fraudsters pay bank staff when they can just 'bin hit' accounts which is far easier and cheeper? A Bin is the banks identification number. Each account that is the same within a bank e.g. all Gold MasterCard accounts with bank x would have the same first few numbers with random numbers after it. All fraudsters do is guess the rest, if the transaction goes through, they'll repeatedly 'hit' it until the bank's fraud team stops it.

if a number of credit checks are done in a short space of time, lenders become paranoid that there is some sinester reason why you need the money and not that you've just shopped around, or are one of the industry 'rate tarts' (0% hoppers). A search should only last 12 months. Another thing lenders might tell you is 'we don't put a note on your credit file to say we declined you a card/loan etc'. Although this is true, any lendor viewing your credit file would see the search and then not see an account. To them this is a decline, even if the application was cancelled by you, it looks like a decline.

that's why it's sooo important not to bury your head in the sand and hope it will go away if you ignore it long enough. it won't it just gets worse. I do know it's scary, admitting anything usually is. But from what I see at work, the sooner you seek help the more help you can get and the less impact it will have on your credit rating.

definately! or any other free debt managment company like the Consumer Credit Couselling Service/ CAB. Don't use a fee paying one, they offer the same advice as the free ones only your first installment won't pay your creditors, it pays them.

also if you think this was helpful and/or would like more stuff like this, please leave a reply and I'll work on it for you. a bank worker who wants to help

hi, I make amendments to customers credit files at the bank I work for. As far as I'm aware a default can only last for 6 years and will auto remove from the credit reference agencies regardless of when it was settled if at all.

hi Vampiress asked me this in a pm and I thought I'd put my reply on hear for all to see (hope you don't mind me saying so) 'I can't comment for certain, but it sounds like something known in the business as 'insider dealing'. This is not only considered as gross misconduct and you'd be instantly dismissed, it's also v.illegal and the bank could take legal action as it's technically stealing their money. (although from all that's going on with charges I wouldn't like to be the solicitors arguing that one) Capital One makes us do a training package on insider dealing every 6 months, they treat it that strongly. We're not allowed to look at an account if we know who it belongs to, even if it's our next door neighbous great aunty we only ever receive an xmas card from.lol ' So please don't think that bank staff get special treatment, that usually stops at being the guinea pigs to test the new offers. As soon as we mess up, we're treated the same as jane and john do.

I know we'll remove the default if the only balance was charges. If you didn't pay before the default notice was issued and the balance was your transactions and charges, we wont remove it. This is because we're bound by our credit licence to report a true and accurate picture of the way you've managed your account. If your balance included your transactions, you're obliged to pay for them. even if you're disputing part of the balance, you still have a part that you're not disputing that you have to pay for and didn't. I don't know whats happening with those who've gone to court. I can only say what I've been told and that's if any part of the bal was genuine and no payments made the default is correct. Also there is a hugh difference between settling a default and removing it. If you can't get the default removed because of a genuine balance and definately go for the next best option of gettingit showed as settled.

I still work there and it is nothing like that anymore!!! (although some of you may disagree) I've been in the customer relations dept, the payments dept, the letters dept, complaints dept and i'm just about to move to the fin diff support dept. On any outbound call we have to say we're calling from capital one. the refund policy has changed considerably. so i'd stick to sending the letters from this site rather than chancing on the phone as the phones advisers only can auth one fee per rolling 12 months. Also if we do actually speak to you we discuss what's causing the late payments. if its fin diff you should be told to contact the dept i'm joing in writing (see my post under general - if the original charge was caused by fin diff) if it was just a short term thing, we adv temp payment plans. We also now have a thing called the fee spiral. If you make just the minimum amount due, (not including the ovl or arrears amount) on time consquetivly for 2 months and then continue to do this and also stop spending on the account, no further fees will be added (from the 3rd month) until you've cleared the arrears/ovl amount. As much as I can't stand fees and some of the polices they have, they do rank in the financial times top companies to work for and have done for many years. but that has nothing to do with main aim of this site which is a place to get help and support whilst fighting charges:)

I agree with the comments made about putting everything in writing (see my thread under general, if the original charge was caused due to fin dif) but you may still need to speak to them once on the phone just so they know. Until they receive your letter they just assume you won't pay not can't pay and call more. However, I completely and utterly disagree with giving banks false numbers. In May alone we prevented over £400 000 of fraud by calling customers to check unusal spending patterns. If the bank can't speak to you about possible fraud, then they have to write which could leave more fraud trans/identity theft etc.