erm, a little more detail?? seems genuine as far as I can tell....I dont see what kind of [problem] they can be running...I have NO money and cant get any form of credit so not worried about my identity being stolen.....and have also not paid anything whatso ever in the way of fees etc....

just to update, bin asked to provide copies of passport etc for anti money laundering purposes etc...sent off so lets hope this does progress! pointed out to the solictor that rather than wait 5 months for goldsmiths to send out the file they should simply request it under a SAR....seems worying taht i ahve to point this out! xx

good point....that sees to be the case,that even when we ARE right we cant do anything because it simply leads to a reduction in hours!! but, point in note, we are not provided with lockers and several staff members have had phones,money,tips,clothes etc go missing from the staffroom, things such as charity collections, tips and other personal belongings have gone missing fromt he office that only mgrs have access too.....which is a joke as a manager is suspected of being the one behind it.....so exactly where are we supposed to put our belongings?? and dont say dont bring personal items into work....its just not possible not to carry keys, cash, phones, wallets etc......i know i whingeon a lot about where i work, sometimes with what seems like little justification but believe me if civil servants, posties and BA workers were treated like myself and my fellow workers they would be on permanant strike.....

anyone got any ideas?? Had a partial success, wrote to them asking for breakdownd of fees etc, first refund I got was a mortgage exit fee the difference between what i was quoteed and what i was charged, they are also offering 500 refund of late payment fees, plus interest but have not detailed the interest amount?? can i charge them what i was charged?? im sure the charges they added were somewhere in the region of 2-4k so will deffo hold out for more!! anyone know how to word a letter on the kmc standard rate and how to find out what the actual rate was meant to be?? my mortgage shortfall is just over 30k and i intend to reduce this as much as possible and then mayby offer half of whats left if my legal case is successful against previous mortgage companies, if they dont like this will just advise them im declaring bancruptcy!!

Congrats on your success!! just started claiming mine back! I have about 800 on a goldcard outstansing from around 2003 defaulted around 07, im claiming ppi to reduce the balance before i pay it back, and putting in a complaint to the fos about irresponsible lending, 2000 limit to a student already heavily in debt!! anhee! I sent off a request for a refund and a few weeks later got a reply saying they accept my claim and will refund premiums and interest....BUT sorry we dont keep statements more than six years so we cant refund you unless you have statements!! silly me for binning the ones I got for charges refunds! I still have some but only a handfull!! since one account is still active should they not keep records?? anyway to catch them out on this one?? also do they refund interest at 2% or the rate they charged me at? surely they keep account summaries if not statements? any advice appreciated!! xx

sorry to reactivate an old thread, but hsbc did this to me my score was eleven out of a hundred!! they deffo do this! very annoying!!

ignore them!! donr admit to any debt at all!!! they have to provide a signed and true copy of the original credit agreement and a deed of assignment.....thats how i understand it anyway and how i've so far kept them off my back for a 30k debt!!

thanks for the info!! how do I go about this? do I just writ and point out the p60 thing? thanks xx

it might be....but i dont have the info after moving house, i'll have to write to them and get copys of what they have sent, some of them seem quite how tho for the sal i was on!! basically i had the same tax code for both jobs.......but im assuming since i was paying tax at both jobs they should have known the code was wrong?! x

Hi everyone! big problem apparently i owe the tax office around 3.5k!!! going back to 2007/8 ive almost always worked two jobs and it appears my tax codes were wrong....silly me i never bothered to check!! first question other than flat rate expences of around £60, are there any other allowances i can claim?? i started gettin these demands in november, unfortunatly at the same time I lost one of my jobs, had to move house and obvs had xmas and new years comeing up.....settled in the new place and have a new job as well.....not sure what to do now? need to write to them as i have no idea how they worked these figues out and it was so long ago!! a friend works at hmrc and said they might code it out if i can claim hardship....ths is the way i wanted to do it in the first place, but they tried to take it as BR almost missed my rent coz of that, ive also heard that there is a way to write off some of the amount owed?? any help and advice much appreciated!!!

ok so took a loan may 2005 for 6k with 175 lifecare added interest at 33.8% apr was not told what lifecare was and didnt want it but was advised would "help" my application, have requested a refund of this, they say they have posted me a ppi questionaire as have citibank and hsbc....i have no intention of filling these out.....only if it gets to fos stage....but!! before they will process my complaint I have to send them a copy of a recent utility bill and passport or driving liscence!!! I have no intention of providing these either, apparently its for extra security to prove i am who i say i am?! what a joke!! any ideas or advice??? thanks in advance!! xxx

how would people know i was at work? or where i work? thats not information that most people have, and certainly would not get in time should i need to be contacted urgently!!! like it or not mobiles are an intrinsic part of life these days and in many cases simply essential!!

funny how the same manager that confiscates phones will then return from holiday and while on shift spend a considerable period of time showing off holiday pics...this works both ways......

erm kind of? instead of just cancelling it they sent me the amount as an advance on my mortgage can they do this? x

lol, while we are talking about mortgages, I had a gran ppi added to my mortgage think it was with phonix? i cancelled it and instead of taking it off the mortgage they just sent me a cheque and kept it added to the mortgage....would there be a case here? xx

cool! lol, that would work at at quite a sunstantial amount!! would i have to got o court tho or just via the fos for the compound interest? xx

only 175 added tot he loan at the start.....can I charge them interest on this at the same rate they charged me? 60 odd percent.....

and here lies the problem, we are routinely expected to work after the end of our shift and not be paid, also working a 4-10.30 would entitle you to a 20 minute break, which you can take but it looks like your being arkward and ultimatley your hours get cut.....i really dont see the harm in checking texts etc as long as its not affecting your work!!!

Hi, thanks for that! but i dont have all the info, i binned all the statements as soon as id finished claiming back charges!! i have a handful of statements by chance from most credit cards, will have a go anyway and see where it takes me, quick one tho, i had a £175 ppi added to a wellcome loan, face to face application said i had to have it....but it was called lifecare plus....im assuming its the same principal? xx

im a waiter so i dont think comparing answering a text while its quite is the same as a brain surgeon updating facebook at the same time he handles the scalpel!! valuables are meant to be left in the office but its a joke and sometimes not even locked, jackets and bags etc are left in the staff room, no security and there have been a number of thefts....even leaving stuff in the office is no garentee of safety, we have had tips and charity donations go missing.....but im sorry, as long as your doing your job properley and you have a quiet minute or two whats the harm in checking your phone? just for the record we get splits not breaks, a typical shift will be 12-3 4-10.30 apart from that unpaid hour there ARE no breaks and i see no reason to go all that time with out at least some outside contact to keep me sane!!

oh, and ive also had a look at the oft guidline for irresponsible lending, it appears that vanquis would have breached this, what are the consequences for them and for me if this is actually the case? x

cheers guys, whats an soc?? i was so on the ball with the charges thing, guess i need to read up more on this.. .looks like im in trouble lol, just to clarify im not looking to avoid debt, but with over 50k and a minimum wage job my only option is to declare bankruptcy which im trying ahrd to avoid hence im trying to reduce debts as much as possible then pay them off... ..just to clarify tho I was under the impression that if an account is in dispute then further action cannot be taken by a debt collector or have I got this wrong?? i have advised lowell on a number of occasions that the debt has been paid but they still chase me!!! can I report them to the fos for this? or would it be money shop i report? thanks all !!! xxx

I agree with most of the above posts, most people i knjow dont have my work number so a mobile is the only way people can contact me, i agree that you shouldt use your phone at work and i rarely do like some people i work with and it was an isolated instance, what i dont appreciate or agree with is being treated like a child, and yes honeybee i intend to raise as many issues and grienvences before i leave as possible, it just really annoys me that they get away with soooo many things on technicalitys and theres nothing we can do about it.....i like the dpa thing tho, have mad a note of it......thanks all xxxx

citibank and hsbc have both sent me ppi questionaires, will have to look into this more i think.. whats a cca? do dca's not have to prove ownership of the debt? with a deed of assigment and copy of the original credit agreement? also another quick question, lowell are currently chasing me for moneyshop which has been paid and vanquis which has not, i have advised that both accounts are in dispute and not to contact me etc, can i complain to the fos about this and would they award compensation? xx

lol might try that, so easy to put of the dca's tho!! hsbc have been thru about 4/5 never provide original paperwork or deed of assignment....