.........

Hi all,

A final update.

They have upheld my complaint, and I also received an apology from the CEO's office.

They have also said they will be resubmitting the chargeback, however, whatever happens my refund will remain in place this time regardless of the outcome.

Thanks and good luck to everyone else trying to get their money back from these thieving &*(£^&*£%

Hi dx,

Thanks for the reply.

Basically they have said they have provided documents showing that I applied through them as a broker, which I didnt.

I did get a payday loan (unrelated to the place in question) but unsure if my details have been passed on to this other place.

Regardless of which I never gave them permission to take a "brokers" fee!!!

The supposed "evidence" is littered with errors, like time in residence, time in employment, salary, etc etc.

Also the follow on document doesnt even have my name, and the terms and conditions boxes are not even ticked. Although my bank says it's just a generic example. So what does a generic example prove? Uh nothing!

I submitted a formal compaint to HSBC, and they will resubmit the chargeback, and let me know what the other bank comes back with.

I have also emailed the CEO and they have replied saying they will be investigating it from their end.

Thanks.

Hi all,

Not sure if this is the right section, but I need some advice.

My card was recently debited by a place calling itself QuidFinder.

When I disputed this with the bank, [HSBC] they immediately refunded the money, and said they would investigate.

Some time later, they claim they have been in contact with this place, and accept that the charge is correct and that the refund will now be reversed!

I am spitting feathers!!!

Any advice as to what I can do about it?

Thanks.

Just wanted to add a quick update. I've received a letter of apology from Crapbot, and a reassurance that this matter is now settled and that they affirm that neither themselves or any of their agents will be contacting me again.

Hi Lee, having looked more closely at the paperwork and cross referencing the details I can now say with 100% certainty that this is one and the same account that you dealt with. There is no need to contact you as I have confirmed this myself already. Thanks anyway. Feel free to follow this up as you see fit.

Thanks citizenB ...

DonkeyB, I have had a look at the old paperwork and it would seem to be the Vodafone -> Crapbot -> Mucky Hall chain of debt chasing. Apart from the fact that Vodafone's own CAG rep confirmed this as SB, I now have MH's letter stating the same.

DonkeyB I'll be honest and say no idea. I've lost track of who has been chasing what.

I'll dig through the paperwork and see if I can work it out.

Thanks guys. Much appreciated. Playing devil's advocate I think what they meant to say is that although they have agreed to close the account having been informed that it is Statute Barred, there is nothing that prevents someone else from chasing the debt. Or is that also wrong? They can't just play pass the parcel with the debt?

UPDATE : Mucky Hall - We have investigated your complaint and find that your account does fall within the definition of the limitations act ... blah blah blah .... therefore we are closing the account and passing it back to the client ... blah blah blah .... however you need to be advised that although legal proceedings cannot begin this doesn't mean that the debt cannot still be pursued ... blah blah blah .... Your complaint has not been upheld but we will not contact you again.

Thanks all.

UPDATE :

Mucky Hall - We are still undertaking investigations .... blah blah blah ...... we will contact you in due course ..... blah blah blah.

Lowlife Port. - Further to my recent communication, I have concluded my investigation. Whilst the information available indicates that the debts are due and payable, we have decided in this instance to take no further action and close the accounts. Blah blah blah .....

UPDATE : From Lowell, a letter stating "we are still investigating your complaint. We aim to get back to you with more information within 8 weeks. blah blah blah".

So not much to say really.

UPDATE : After sending my application for Certificate of Cancellation, I have had a letter back with the PO enclosed. They state they cannot issue the certificate as there was no judgement made. The outstanding amount was paid before the due date and therefore there is nothing to cancel, and thus nothing to certify. Follow me? LOL

Oh well. I guess that means it's case closed.

Form 443 - Certificate of Satisfaction/Cancellation Application.

Advice please. I am filling in Form 443. Do I tick the box for Cancellation?

Thanks.

Right you are. Thanks Brigadier.

Just rung the court customer service telephone number and spoke to someone who said that the case has been marked satisfied/settled so all done and dusted. I asked if we receive any kind of formal document stating that and she said no. However, if I fill in form N443 and pay £15 they can issue a Certificate of Satisfaction. So just leave it at that, or apply for the certificate?

UPDATE: I got a little fed up waiting to hear from someone, so I sent an email to the court asking what is happening with this case, as I've heard nothing.

Here is the reply that I received :

The court has marked the case “case Paid, Pre-Judgment” on xyz date.

Huh? Sorry for being thick but what does that mean?

Thanks.

Roger that Sir.

Thanks Brigadier.

UPDATE : Just received a letter from CrapBot where they acknowledge my CCA request and that they are investigating, however, it may take up to 40 days. They will let me know.

40 days!?!?!? I thought it was 12+2 days that they were allowed.

Hi citizenB,

Thanks for updating the thread.

An apology from Crapbot? You're joking right? LOL

And yes I am relieved!

Thanks Lee for all of your efforts.

I am happy to report that this matter is now officially sorted as all parties have agreed that this is indeed SB and that the account will be closed and no longer chased.

Also thanks to the forum members for answering my questions in the beginning.