Hi Not sure if anyone has seen this but just in case here is the link. There is a malware email running around (Yes, I have had one sent to me where I live and there are no parking restrictions anywhere) which contain malware and phishing. So please beware of any documents/invoices sent via email http://www.hoax-slayer.net/invoice-for-penalty-charge-notice-malware-email/

Would it not be a good idea to pay the unwanted income into a savings account then when they do come after you for over payments you have proof you have not used it and can repay immediately. Make sure you have a record of you informing them with dates and copies of letters and transcripts of your notes f Tele calls.

It could depend on either or both of the following The accounting system used The company policy on advanced payments I am a qualified AAT and in my last two companies I worked for the system would not allow advanced payments or receipt and the instructions were to post the whole amount the day it was dated, thus credit control missing the payment as it shows up as not paid and another employer either doing the same as above or posting to the prepaids account which many account staff have no access to and therefore post as scenario 1

Where is thier Consumer Credit Licence? I was under the impression that this has to be on all communications that involve collection of money or debt. I cannot see thier CCL anywhere

I don't think Teycan add the £50 admin charge either. Some one else will put you right on that one

If your card is chipped (like your ank card) then every transaction will have been recorded to a central computer Date, time, station details on entering and leaving the tube but ... It does not prove it Was you using it unless they actually see the card number and you putting it through the gate equipment.

I have a claim with FOS and was advised it could take two years or more depending on how complex the claim is. Also advised if due to severe hardship, creditor's chasing or serious illness FOS will push it allonng

If you are using Windows 10 go to (or search for) HP updated drivers. Any driver updates (not upgrades) are usually a free download

A county court judge 'stayed' the case as no CCA? I am querying this as overdrafts do not have a CCA as far as I am aware

> theoldrogue Many thanks for the email address, sent yesterday nd it did not bounce back so hopefully he will take notice very soon. Still worried about the Fraud / ID aspect though.

DX thanks for the Canada Square info but ..... I have my claim in at the PO Box 4904 address as per the website They don't realize that I am the claimant as they are stating there is a third party and require a Letter Of Authority. Have sent THREE emails to the address given because IF there is a third party this would be fraud by the third party, called the Citiphone and have got nowhere. They have sent a further letter saying they have not received the proof of change of address and therefore I have a bank statement plus a DWP letter with my NI number floating around. All I want to know is have they got it as post ccan take up to 21 days to arrive from the Philippines THREE Emails ... Oct 23rd, Nov 15th, Nov 22nd ... No response Citiphone cannot deal with PPI and have no access to the claims departmnent I find this quite poor for a multinational company Hence the CEO email address due to my Bank details and NI number floating around.

Good day all Has anyone got an email address for the Citi Cards PPI Claims as the one provided crt.pleaseassist@citi.com just does not get answered. The telephone help line 0800 00 55 00 is not much help as they dont have access to the PPI Claims Even if it is the CEO's email would be a great help to get this dealt with This is an urgent request as they requested proof of change of address which was sent but they are saying that it has not arrived. A bank statement with my name, address and my bank details lost .................................. A further document sent but now worried if that gets lost as it has my NI number on it along with my address. Purfect for someone to commit ID Theft Thanks a million for any help

Hi Polarbear Did you CCA Lowell's. I have a debt with Marbles that predates yours when I asked Lowell's for the CCA they couldn't provide one. Then I went for my PPI refunds and they refused on the grounds that they could not locate any of the original agreements. Seems like they were lost transferring paperwork to NewDay. By the way, Marbles is now NewDay

Hi all Found a solicitor to act for me if I make a claim against Marbles (Newday) but have to start the proceedings myself. Just wondering if I sent a completed N1 form to Marbles with a LBA and a note stating the claim was to be commenced if they failed to come to an agreement (is this legal/possible/breaking rules etc) Any thoughts, advice/amendments etc gratefully apprecdiated The claim is ... A … The claimant claims that the defendant mis-sold Payment Protection Insurance (PPI) that was not needed and indeed was unsuitable for the claimant B … The claimant claims the sum of the PPI including 8% interest per annum until settled £3312.76 C … The claimant claims solicitors fees of £130.00 and court costs £455 D … The claimant claims that no longer being resident in the United Kingdom was a major reason for the rejection of the claim and the defendant was not expecting to face a court hearing E … The claimant also claims that the defendant, after defaulting and selling the account wishes to recover the loss on the sale of the account. The account no longer belongs to the defendant but the new owners F … The defendant claims that a leaflet and information with the Terms & Conditions of the account and PPI were sent to the claimant. This is denied and request that the defendant are put to strict proof of sending the PPI information G … The defendant claim that the claimant was able to cancel the PPI as per the Terms and Conditions. However without the leaflet the claimant would have been unable to see what was required to cancel the PPI as no leaflet/information was provided H … The claimant requests that the payment made forthwith into the claimants nominated bank account

Apart from the Balkan countries the rest of the European Dictatorship leaders are spineless. This should have been stopped at Greece with the help f the rest of Europe using international law. They were safe in Turkey. As the UK is not part of the Shengen fiasco they should have closed the borders, stuff Junker and his ideal ology. If the Dictatorship didn't like e it then what would they Do? Throw the UK out of the Dictatorship? Any Syrian application aged 18 to 55 should be automatically refused and sent back to fight for thier country All economic migrants automatically refused and deported. If no papers to return to country of origin put them on a boat and anchor it outside of British Waters until thier papers arrive to deport Thankfully I am no longer a resident in the UK and I fear for my homelands future

Sorry to hear that you don't wish to travel but if the train operator is running the booked service and there is no government diktat advising not to travel then very little can be done.

I am unable to do anything with this as I am well outside of the European Dictatorship. I only managed to get in via a VPN As it was a free one I thought I would chance it and see if I could get my report. Yes I did and not one of the creditors have reported my address and nothing reported on the file since 2013 as this is when I left the UK. I know that all my creditors have my new address so they cannot deny that I have told them (keep all my emails and letters scanned in a secure place and encrypted) To be honest I will not visit that site again as I dont really care about the CRF as nearly all drop off anyway in 6 - 9 months

I was using Stake Your Claim as I was leaving the UK within a two week period. Marbles had both my new address and my old address as I was in some severe [mess] with them,but as I was leaving the UK they sold the debt on to CallQuest However I heard nothing from both Marbles or SYC and made a claim to be told that as SYC were acting on my behalf they were only required to inform SYC (found out this claim that SYC were informed after I left the UK) but four moths after Marbles rejection. As I am no longer in the UK and that the FOS wont help as NewDay stand by the six months rule I have found a UK solicitor who is prepared to act on my behalf on the condition that I send the LBA as I think there are many reasons why Marbles (New Day) will not re open this claim they are set to recover more than the outstanding balance (but the account was sold before I made the claim) I am unable to issue the claim myself due to the exhuberant costs fo returning to the UK with hotel and ;living expenses

Hi Just a simple question (I Hope) I have been rejected by New Day (Marbles) for my PPI. nd now past the time for the Ombudsman due to them passing the rejection to a claims company who never told me, plus, Marbles never informed me. Another factor is I am no longer in the European Dictatorship. Just wondering if I could use the CUPTR in a letter before action before passing on to a solicitor to complete Many thanks. Again

Try chrome canary. You will need to do a Google search for it as it is not advertised

@Bankfodder Been there and never go there again. Lost the password of the manager and had to spend days chasing sites for passwords. Worst one is Facebook, you are required to send proof of identity to them. @Coniff I use something called VeraCrypt to encrypt a small hidden drive partition of about 2Gb and all my mail and documents relating to finance and then hidden from view. If secutirty is a fear then I would seriously look at this one. Many say that it is better than the one that comes with Windows 10 Professional etc. I do not use it for passwords as it is too much hassle to initially load VeraCrypt, but once opened it stays until it is dismounted.

Best ... your brain worst ... using a manager if a manager is cracked then you Lose all Keep them in a card index file next to the monitor and locked away when not in use.

It will show on the enhanced Disclosures Scotland (CRO) check but not on the basic check.

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I was in the UK when registered with Nodule. When I tried to access my file after arriving in the Philippines I was able to so I tried without success to register. I now access Noddle via a moving VPN as I understand that my IP address prevents normal access As for Clears core absolutely NO CHECKS whatsoever upon registering as long as you knew some answers to questions. They could have used the same idea as Noddle by checking IP address (I did not use a VPN when registering) or they could have used the Visa Verification, I am unable to see where fraud comes in as it is MY data Will also add that I have no intentions or need to access my Credit as I have no intentions of returning t the European dictatorship