JGJ
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Wage Day Advance Moorcroft Debt Recovery
JGJ replied to JGJ's topic in PayDay loans and Short Term loans - General
Hello All, Thank you for your as usual, advice and information. Contact was made with Moorcroft by landline (Not by me) and a re arranged full/final settlement payment minus "most" charges/interest was agreed. Apparently WDA would have nothing to do with it, so they must (IMHO) sold it on for pennies. Relative happy with outcome, so thank you all again for info and assistance. "EXEMPLO DUCEMUS" -
A close family member has received a letter from Moorcroft re a loan they had with WDA. They were suffering financial difficulty and informed WDA of this, the amount was total payable £278. Letters e-mails and financial statements were sent to WDA to make offer for re-payment, this was sent by Royal Mail signed for del, which was received and signed for by WDA in May 2014. WDA had requested they send them Bank Statements which was refused by relative as they had sent them financial statements and step change docs. To date no agreement has been reached, the last contact with WDA was 16th June 2014.The amount now outstanding according to Moorcroft letter is now £480. 00. Moorcroft are threatening a home visit and also they are willing via their client WDA to offer a discount from the outstanding balance. This means that if you are able to pay an acceptable lump sum we /they will not attempt to recover the remaining balance of the debt. In addition your credit file will be marked as partially satisfied and our staff will be happy to explain what this means when you contact us. Question 1, is what should they do next. Question 2. Should Moorcroft be ignored and solely deal with WDA. All information and assistance will be gratefully received. "EXEMPLO DUCEMUS" "EXEMPLO DUCEMUS"
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Hello All. Just received letter today from SKY, stating that they (SKY) have sold an outstanding debt of £73.00 to CABOT, Credit Management Group and that they are the now effective owners of the alleged debt. SKY also claim that. We also previously made several attempts to contact you and discuss the outstanding amount. Cabot will now take over the reclaiming of monies you owe. If you would like further information you can visit WWW.sky.com/cabot. We have had an active acc. with sky for many years and they, nor any other have attempted to make any contact regarding this issue. All advice will be gratefully received. Could site team please open another thread, just realised still on this one. "EXEMPLO DUCEMUS"
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Hello All, SUCCESS AT LAST!! Letter received from Barclays. Case Ref : **** ** AUGUST 2014 Tel No 0345 945 4545 Overseas: 0044 1928 584421 Fax number 01604 25 4474 Text Phone: 02476 53 4973 Dear Mrs***** About your Disputed Transaction Sort Code / Account No ************** Debit CARD Ending: **** With reference to your dispute with WWW. THE1LOAN. CO UK for the amount of 58.99 GBP. We have completed our investigations and can confirm that your Account has been refunded in settlement of your dispute. We hope that our response resolves your dispute and we will now make arrangements to close this case. Yours Sincerely, Your Barclays Team. This Letter is the result of constant contacts with their Debit Card Operations Team, who do not seem to, or want to understand customers genuine complaints, regarding a despicable company of National notoriety and shady dealings. Barclays DCO team do not seem to know what other colleagues are doing, as one would authorise and give chargeback, only for it to be re debited, to some other commercial bank, who also were claiming monies from me re THE!LOANCOMPANY. The FOS were also involved and Barclays were informed in writing by them, that they had to make a chargeback. All in all it was a pretty SHAMBOLIC effort from BARCLAYS. and it took fom May to December to resolve and chargeback my 58.99GBP. "TAKE NOTE BARCLAYS" "EXEMPLO DUCEMUS" AKA, BY EXAMPLE WE LEAD
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BankFodder, Thank you very much for your swift response it is as usual greatly appreciated. Vehic le has 45000 miles on c lock and circa £6000,yes there are so many fair wear and tear c lauses. All will be taken into consideration. "EXEMPLO DUCEMUS"
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Hello All, Bought a used car recently which had 3 months Warranty as above. Had starter motor prob in 2nd month, the garage which have been excellent for customer service replaced motor without quibble. The 3 months warranty is expiring shortly and I am considering taking out the above named RAC Warranty, Gold Parts and Labour Cover at £299 for 12 months cover. I have always had the opinion, rightly or wrongly and reading press reports etc, that these Warrantys are not usually worth the paper they are printed on. The dealer I bought the vehicle at, have been as stated above. I would appreciate any further info/advice from the CAG team and posters, as to have the car Warranty cover policies improved or are they still tied up with Legalities as to why they will not/cannot pay for repairs. "EXEMPLO DUCEMUS"
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BRIGADIER2JCS, Thank you again Sir for your swift reply,it is greatly appreciated. "EXEMPLO DUCEMUS"
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Hello all, Re entry #2, Original creditor CRA file showing as Satisfied, should this not now show as "Settled" Debt purchasers updated entry showing correct amount and default date. "EXEMPLO DUCEMUS"
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BRIGADIER2JCS, Message received and understood Sir. "EXEMPLO DUCEMUS"
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Hello all, I have just noticed on my Experian file that Lloyds Assigned an alleged debt to CAIS member Capquest, circa August 2013. 1)Lloyds have still got the original info on Experian. 2) Capquest have the same alleged info also on Experian. 3) They both have the same acc start date and the same default date. My question is are they "both"allowed to have the same alleged debt displayed on Experian cra files? As usual all advice/info will be gratefully received. "EXEMPLO DUCEMUS"
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ims21. Thank you will do am Mon. "EXEMPLO DUCEMUS"
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ims21, Thank you for your as ever swift reply and yes a good idea. I do not trust LLoyds at all after lots of previous problems with them stemming from the bank charges debaucle. "EXEMPLO DUCEMUS"
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Hello All, After talking to a named person from the Recoveries Commercial Banking dept of LLOYDS on Friday, re the PPI on the 3 accs being upheld and after looking at the form of ACCEPTANCE from the Customer Care, Payment Protection. I am rather dubious of signing the acceptance form. The named person told me that there will be no "set off" of the upheld funds and that I would receive the "full upheld amount" and the cheque would be sent to us within 28 days. He rang us at the agreed time the next day, after we had contacted them re the "set off" and he confirmed that there would be no "set off" applied. The Acceptance form is thus: If you agree to this offer, please sign and return in the envelope provided. We, Mr & Mrs ****** , accept the offer made as per the letter dated September 2014 in full and final settlement of our complaint. We understand the refund will be paid for by cheque and will include interest where appropriate. We understand that you will use part or all of the refund to repay any arrears that are due at the time the payment is made. Mr ****** Signed Dated Mrs ****** Signed Dated. After obtaining the verbal terms from the named person who contacted us, that no "set off" would be applied and we would receive the full upheld amount by cheque within 28 days and now reading the above letter, we are at odds with signing the form of acceptance I really do not trust LLOYDS. All comments, words of warning/advice, will be gratefully received. "EXEMPLO DUCEMUS"
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ims21 Thank you for your swift reply it is greatly appreciated. "EXEMPLO DUCEMUS"
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ims21 Further info re the alleged debt LLoyds are referring to ( Tel call from there Recoveries Commercial Banking Dep} late pm today and they have revealed that the alleged debt they will set off the upheld PPI against is an old debt from the bank charges debaucle which was stayed in the courts system and is now more then 7yrs old his words. This forgotten about acc is surely Stat Barred and they will not be able to set off with PPI award.Looking through old docs Wescot made a failed attempt at collection and stated they were taking it off their files and we would not hear anything more from them Wescot and subsequently this alleged debt has not been serviced by ourselves for 7 yrs plus. All further advice/info/guidance will be gratefully received, they have informed my wife by tel call that they will call us Friday 19th pm. This alleged debt will be well over stat barred guidlines. "EXEMPLO DUCEMUS"
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Hello all, We have received confirmation of PPI refunds for 3 very old Business accs which were mis-sold. Inclusive in the docs received from LLoyds was this page stating: Please be aware that if your credit agreement is in arrears when we make the PPI refund, we will use part or all of the PPI refund to repay towards these arrears. If the PPI refund is more than the arrears on your account we will then refund the remainder of the PPI to you. Your loan has been transferred to our Wholesale Banking Recoveries department and the amount we pay will be used to reduce your outstanding debt. 1)There were no outstanding debts on any of the 3 itemised business loans. 2) There is a ref on a CRA file to an old defaulted acc. LLoyds assigned this acc to a CAIS member in 2012 and CRA file marked satisfied. 3) Do LLoyds have any claims or can they "set off" bearing in mind they assigned the defaulted acc to a third party, who subsequently gave up the chase and it is now Stat Barred since 2013. All information guidance or advice re above points, before I consider sending the forms of acceptance back to LLoyds,will be as usual greatly appreciated. "EXEMPLO DUCEMUS"
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renegadeimp, I agree with you entirely. "EXEMPLO DUCEMUS"
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renegadeimp, I have had mixed reactions from Barclays staff re chargebacks on many occasions, they are either ignorant of the regs or they are deliberately being told to be obstructive. There does not appear to be a standard retort from them re the chargeback procedure, some have been spot on others are a total shamble, upon asking Barclays staff for their names and ID etc when making complaint re chargebacks, they have become obstructive and are very reluctant to offer up their names etc. they definately have a policy for obstruction in making the chargebacks. They (IMHO) are shambolic in their Customer Service. "EXEMPLO DUCEMUS"
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Hello All, What a fiasco trying to nail this lot down, who have now apparently vanished from the business world. Complaint to FOS as company were not replying to letters sent to them, the FOS were dealing with apparently hundreds of complaints re these characters. The FOS advised to contact Barclays and request an immediate chargeback from them, Barclays of course refused point blank over the phone so letter of complaint sent to Barclays who investigated and sent some forms out to us. The FCA apparently have strict instructions/regulations as the Banks are obliged to apply to customers written requests for immediate charge backs, for this type of mal practice by companies such as The1loan or whatever they call themselves now. Contacted Barclays Chargeback Analysts at DCSA Customer Care enquiring as to why they had not responded to my letter/forms I had sent and when they were going to Chargback my monies taken by The1loan. Surprise surprise they agreed over the phone to apply an "immediate chargeback" and a little bit more for the inconvenience of having to wait etc. I have dealt with Barclays previously about chargebacks and they do not seem to have a constant consistent reply/procedure, even after having conversations with managers, they love to send countless numbers of time consuming paper/forms to fill in and send them to another dept hoping you will give up the chase. I find dealing with them to be frustrating and I am convinced that it is a ploy of the Bank. On previous occasions they have applied an immediate chargeback over the phone and then some days/weeks later they take it back from your account and it starts over again. Calling them dysfunctional is not strong enough a term. All comments will as usual be greatly appreciated. "EXEMPLO DUCEMUS"
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Wage Day Advance (Financial Difficulties)
JGJ replied to JGJ's topic in PayDay loans and Short Term loans - General
toptrapper, Thank you for the excellent advice,it is greatly appreciated. Signed for del letter with Formal Complaint already sent to WDA re the DPA. "EXEMPLO DUCEMUS" -
Wage Day Advance (Financial Difficulties)
JGJ replied to JGJ's topic in PayDay loans and Short Term loans - General
Anyone with further thoughts/info/action re my recent reply from WDA, #9 refers. All or any input will be as usual greatly received. "EXEMPLO DUCEMUS" -
Wage Day Advance (Financial Difficulties)
JGJ replied to JGJ's topic in PayDay loans and Short Term loans - General
Hello All, Response from WDA ref.#1 above. Dear *** ******** I write in regards to a complaint you have made against Wage Day Advance, the nature of your complaint being: Your claim to financial hardship and subsequent offer of repayment were not accepted on the basis that you did not supply bank statements. Thank you for raising this complaint with our company and allowing us the time to investigate this matter. On behalf of Wage Day Advance I have now completed my investigation and can provide you with a full and final response to your complaint. I can confirm that Wage Day Advance do require bank statements to verify the income and expenditure form that you have sent into us. Please note that we are more than willing to help you whilst you are in financial hardship, but we are unable to enter you into a long term hardship plan without the requested documents. I appreciate in your letter that you will not be providing us with bank statements, therefore I would advise you to to speak with a Non Profitable Debt Management Company for Impartial further assistance. Please see below for their contact details PAY PLAN STEP CHANGE Wage Day Advance pride itself on delivering good customer service and we would like to thank you for taking the time to write in and allowing us the time to investigate this matter thoroughly. I trust that the above explanation is satisfactory in allaying any concerns you may have however if you are not completely satisfied with outcome of my investigation you may refer this matter to the Financial Ombudsman and ask for an independent review within six months of the date of this e-mail. Please reference your complaint at http://www.Financial-ombudsman.org.uk/publications/consumer-leaflet.com to assist you with your decision. Yours Sincerely, Ella Edwards Compliance Administrator. All advice /info will as usual be gratefully received. "EXEMPLO DUCEMUS" -
Wage Day Advance (Financial Difficulties)
JGJ replied to JGJ's topic in PayDay loans and Short Term loans - General
toptrapper, They certainly did, shambolic seems to spring to mind. "EXEMPLO DUCEMUS" -
Wage Day Advance (Financial Difficulties)
JGJ replied to JGJ's topic in PayDay loans and Short Term loans - General
Hello All, Re #5 above,letter of complaint was sent to WDA 7th July and received by them signature obtained on the 9th July. Nothing heard from them until this morning 26th August, when I received a letter from a lady (unknown to me) from the Norwich area, in which she has forwarded a letter from WDA addressed to me, with Private and Confidential information included in it and dated dated 1st August and which was included along with 3 other letters marked (Private and Confidential) to different people inside a letter addressed to herself. A Rebecca Greengrass, Quality and Compliance Administrator being the sender. The lady from Norwich has lodged a formal complaint to the FOS. All advice/info regarding my actions to take will be as usual be gratefully received. "EXEMPLO DUCEMUS" -
ims21, Thank you for your wise words, they are as usual, greatly appreciated. "EXEMPLO DUCEMUS"
