Hello, One year ago out of curiosity I decided to set the account on the quickflirt.com website. Quickly found that running the website's account on this portal is linked with high fees - money taking out from your bank account in LLOYDS. Due to this I decided to close the account asap. The close and removal of my quickflirt's account was confirmed by website and by quickflirt staff by calling intervention. Unfortunately this month I spotted there is suspicious withdraw out of my bank account on the amount of 40£. Quickly went through the history of my transactions and it turned out that every single month at the same time the identical amount of money was taken off my bank account and it summed up I was robbed on the amount of over 400£. Thats what I want to do is to close the bank account to not to be charged any more. I also would like to open an investigation and get the full refund from the website that was charging me or from LLOYDS directly. Could I easily get the refund for this if I'll prove the money was taken without my knowledge? Shall I inform the Police about this issue? I would appreciate every comment below.

here goes i was contacted my an ebay sellers club on facebook just a few weeks before christmas 2014 asking me to sell michael kors bags through my ebay account, i would recieve the money from the customers and i would send it on to the alleged seller, they would pay all my paypalicon fees and ebay fees, im very vunerable and fell for this [problem], i started to send money onto the supplier andd customers didnnt revieve thier items so requested a refund back through paypal (im glad these customers got thier money back) however my paypal account is now in a deficit of £4500 .. this wouuld be the total amount i sent through to the alleged supplier.... the plot thickens.... i contacted the email address that i was sending money onto she said she thought she was recieving money for goods as contacted by the original [problem]mer, the [problem]mer advised her to send the money she had recieved from me to a western union account and the [problem]mer would send the goods out to me.... so now the [problem]mer is no where to be seen ive reported to action fraudicon we have the western union name and the [problem]mer has set up various other facebook pages selling stuff action fraud have passed this onto the met police and said they can help but will reply in 28 days as to what they are gonna do however paypal are now pursuing me for the money even though i have advised of all of the above paypal say i authorised everything on the account and the account is my responsibly and so therefor i need to make a payment.. borrow it, anything to get the account balance down basically i said i do not have the money none of the money has physically passed to me i have a crime ref number from action fraud they said that is no use to them and if i dont pay the amount outstanding it will be referred to a debt collectionicon agency, even though it is being investigated by action fraud/met police and i have to wait 28 days... what do i do where do i stand? i even rang citizen advice and they said they cant pursue it while its being investigated please help me, this is distressing me so much thanks in advance

Hello, I hope someone on here can help before things get worse. I have taken out car insurance with Octagon and emailed them all the required documents. I even called (expensive hotline which is the only way to contact them) to confirm they received all documents. All of a sudden I have received a text message saying they will cancel my policy unless I get in touch. I have called them again and asked what the problem was. All I was told is that some documents are missing. When I told them that I have emailed all documents twice and have previously been assured that they have all required documents, I was just told that no one from "that department" was in today. I was then advised to just email all documents again "for a third time". Having done so I today received a letter that they will cancel my policy on 17/11/2015 because I have responded to them. Firstly I have responded every time they text, wrote or emailed me. Secondly they are not saying in the letter what it is that is missing or why they want to cancel my policy. I am worried that this is just a [problem] where they cancel your policy to charge a cancellation fee and then charge an additional deposit to re-start the policy. Can someone please help me?

Today I received an emails from supposed HMRC This is part of what it contained..... Dear Taxpayer - We are sending this email to announce that after the last annual calculation of your fiscal activity we have determinated that you are eligible to receive a tax return of £148.32. In order to receive your refund online you need to create a Government Gateway account. Has anyone else received anything like this? Is it a [problem], and how did they get my email? Thanks in advance. Miss A. PS Note that the spelling of "determinated"....I don't even think that is a word!!

I purchased a ticket before travelling today, only to discover that my train was cancelled and the next one wasn't due for an hour. I went to a member of station staff, asking who I should speak to about receiving a partial refund due to the delay. My ticket was then taken from me and they wrote on the front of it that it wasn't valid. I looked for the station manager to complain, but I was told that I would have to purchase another ticket if I wished to travel. I was then told that, as my new ticket was purchased after the cancelled train was due, I would no longer be entitled to a refund. I have been delayed by an hour and have had to pay twice as much for the privilege of waiting over an hour for a train. Is there anything that I can do from this point?

Why do car insurance firms increase policy premiums for people with poor credit history? I just went online to check out my renewal costs on go compare - my new premium would be £520 - thats with 9 years no claims and 1 accident So I entered exactly the same details again and the only detail I changed was the name of the driver (made up a name) the address, car, annual mileage etc all stayed the same and the new quote came in at £380 As a previous discussion I had with an insurance firm the person stated that they only do a CRA check to confirm your details - but its quite clear they are using a poor credit rating to up the costs

I rented a car from Green motion over the weekend. Upon returning the car, it was discovered there was a small scratch (no more than 2mm in diameter) at the rear end of the car. I did not cause the damage but I didn’t spot it when I got the car (it was really very small and probably near impossible to see in broad daylight). However, the guy at the car rental place managed to spot it in a late evening with a torch. Long story short, I disputed without avail paid for the damage but now I feel that I have been set up. It is as if the rental place knew exactly where to look. The cost is £320 which seems excessive. Now I’m considering my options. I can contact the rental place and start a complaint (which I have done already outlining what I’ve said above). In the best case scenario they will refund me (unlikely as I’ve paid!) in the not as good scenario they may refund me partially. Do I have a case here? I also have an excess insurance with a third party – however I’m not sure if it is covered under accidental damage as I do not know the precise time of when/where the scratch occurred. There’s a chance that it might have been there when I rented the car and I didn’t spot it. So I’m not sure what I put in the particulars of incident in the claim form. I feel I have been penalised by something that is not my fault. Bottom line is I just wanted to get my money back. Any advice would be appreciated. -

I just received a letter in the post from GDR Trace, simply asking me to contact them as I may be the person their client is looking for. No other info is given, just a freephone number and an email address. All I have so far done is send them an email saying I can be contacted by return email. Almost immediately, I received an email from them with exactly the same wording as the letter. This made me suspicious enough to do some research on the net and what I've found is very worrying. Apparently they are a debt collection agency who hound people to pay debts which very often they don't owe, or are out of statute date. Has anyone else had dealings with these people? I have no outstanding debts, old or new and have never had any CCJs either, so obviously they have the wrong person, but none the less, I don't need a lot of hassle with people like this. Any advice please?

On the 6th of November my son ordered a moped online from a company called thescooterbox.com. He received an email asking him to do a direct bank transfer to a Lloyds bank account. Unfortunately it did not occur to him that this was not a normal process when ordering goods online. He was then informed that delivery would be three to five working days. A week later he had still not received his order when he tried to contact the company there was nobody answering phone calls or responding to emails. Now the website is down and I feel that he has been [problem]med for a total of £650.00. I have logged this with the police fraud department and was wondering if there is anything else that can be done to try and get his money back. Any advice would be much appreciated. Regards Kim

Hi all, Can anyone help out? Do you have any information on the following company. https://www.instantdecisionloans.co.uk/ or has anyone heard of them or had any dealings with them? A colleague of mine has unfortunately been duped by them out of circa £500. A police report is in the process of being filled out for fraud. He is currently cancelling his card and changing his account details so that they can no longer take money from him. any info on these would be great if anyone has had dealings with them. Thanks

Around the two-four month mark, my friend eagerly accepted a UC course. Some of it was actually helpful and useful. Other bits were a complete joke. But anyway, the main plus was it came with a 'guaranteed job interview'. Now I am wondering if this is a [problem]. My friend can not find out anything about the job. I was wondering if anyone has experience of these being a [problem] and also what the rules are for declining the job. If it is possible. The job coach has said he has to take it if offered it so long as it is not commission, however if he doesn't like it, then after a month, he can resign. This sounds bizarre to me. Can anyone offer help/insight on this? Thanks

Hi Everyone I just bought a second hand car and discovered there is a general [problem] going on. The con basically involves any kind of car with a price range of £1000 to £1500. There are a lot of people now who pretend to be car traders. They look for drivable cars with faults, buy them cheap, somehow get these faulty cars MOTed and sell it on for a much higher price. BEWARE OF ANY TRADER WHO SAYS THEY HAVE JUST STARTED THE TRADE AND SO DON'T HAVE A PROPER CAR SALES GARAGE. BEWARE OF ANY TRADER WHO SAYS THEY JUST BOUGHT A CAR OR JUST HAD A CAR IN ON PART EXCHANGE. THESE SO CALLED TRADERS ARE BOGUS, THEY WILL GIVE FAKE NAMES AND ADDRESS. THEY WILL KNOWINGLY SELL YOU A CAR WITH A FAULT AND WHEN YOU DISCOVER THE PROBLEM AND TRY TO TAKE IT BACK, THE SO CALLED TRADER WILL BE NO WHERE TO BE FOUND. PLEASE FEEL FREE TO COMMENT...................THANKS.

Hi, I received a letter in the post today with a cheque attached for £50. I have dialed the number for customer services but no anwer just automated then music. I have an old debt to Capital Bank lost my job and defaulted but think it was after 2007 so if they passed the debt out to a DCA would be around 2009. Anyway things going through my mind 1) is this just an out an out $cam 2) Is this a clever new DCA technique I bank the cheque they now have my confirmed home address and my bank account can be identified from the account it is cleared through. 3) Just paranoid about my past catching up to me, it is legitimate. Thanks [ATTACH=CONFIG]58079[/ATTACH]

Hi not sure if this is reported but new [problem] today and one that Action Fraud says is doing rounds. - You get called (number I got was 02032872234) and you've won, you have a cheque to come. - You have to call back with reference and sort the VAT. Easy! So avoid that one.

Stemologica are spoofing through surveys and trying to charge lots more money than people expect? what to do as I am in the middle of it at the moment

Not sure this is the right sub group, couldn't find a sub group for potential [problem]s. I say they are pyramid/ponzi scheme ......, my friend thinks they are not. Their whole business seems to be based on pay a yearly membership of £650 for some emotional mentoring and some free webinars and creating a feminine network. Then pay some more; £15,000-20,000 to become a group director and make money by starting your own group and get members for £650 each/per year. There seems to be NO products or services to be sold in lieu of memberships so members seems to be the only way of recouping your investment, which is what a legal MLM would have. This to me really screams pyramid/ponzi scheme and not legit MLM. Also weirdly there are NO reviews about them at all, nothing despite running since 2007/2008ish. The only things written about them are directly on their own websites or paid up members and directors own websites. I suspect they work hard on removing negative stuff about them. And for supposedly being good at network having no comments on their YouTube videos and other sites to me says that if nothing else they are rubbish at their main job of networking. All this makes me suspicious. I would love your advice, input and views on this. My aim is to help a friend avoid a dodgy scheme.

Darrens brother, I took a car out for Darren since he couldn't get the finance to get it himself from car craft, everything went okay all the paper work was done then after a month the finance company got in contact with me demanding full payment for the car because I had broke the contract due to taking out finance for a 3rd party which I wasn't aware of while buying the car carcraft had told me they had done this loads of times with other customers and that it was perfectly fine.

I started this course last year when I had just split up from my partner, recently had a baby and had to move home! A sales man came out and was saying how I would be guaranteed a plumbing job at the end of it and I would get loads of work as I am a woman and vulnerable groups prefer woman in their homes etc etc he said I could take as long as I wanted to complete and I would pay the college monthly!! As I am currently off work due to a back injury I am struggling to make payments and have contacted the college who have told me they need to see proof which I am gathering! As I felt I would be know longer able to continue due to a back injury and the nature of the job I started looking at the forums! People I know had mentioned these courses as being [problem]s before and saying you cant get a job after you complete it but I didnt realize it was actually true! I have already paid these people nearly 2,000 I have also read that they went into liquidation in 2010! I feel very stupid to be honest and I cant believe I rushed into something without taking time to research properly but now I just need help to get out of it and if possible get my money back! Does anyone have any ideas?? Is anyone any further forward if you have taken action!? Should I just stop paying?

Hi Everyone. I have received a Claim Form from these crooked debt collectors for £1649 for an alleged debt with MBNA which was sold to Arrow Global. Issue date is 5th November. Im about 20 months away from this alleged debt becoming Statute Barred. Can someone help me with which process to follow? Do i put in a defence or do i ask them to provide the credit agreement and other documents before i do that? Thanks. PS im prepared to fight them. I have beaten alleged speeding offences on 7 occasions because i understand the law and system. But im new to the CCJ world

Hi All I've just joined because Google came up with you when I searched for global Debt Recovery Ltd. I've received a letter from them out of the blue today claiming that they are appointed by as agents for recovery of £47,751.74. Their client is quoted as being Experto Credite. I don't owe this money. It looks like a similar amount that my insurance company settled with the finance company when I had a serious car accident which wrote off the car last year, but I can't be sure it's that. The finance company weren't called Experto Credite that's for sure and it was showing as paid in full on my credit report. Should I ignore the letter or write to them asking them to prove it? Cheers

Hi all, long time no speak, but nice to be back Here is my rant about this company: http://www.djhenry.co.uk/ I have been trying to get the direct email for the CEO, so if anyone can help, that would be great. Here is basically the treatment I have recieved from them. April 2014, I bought a top range laptop (over £1400). This was manufactured by MSI, and came with a 15 month warranty. Unfortunately, my little boy decided that my laptop may like some of his curry that he was eating for dinner. Ir turned out that it didn't like curry so decided to keep restarting with a a Driver Power State Failure. I was not covered for accidents but I still contacted MSI because I didn't want to use an unauthorised dealer and ruin the warranty. They in turn got http://www.djhenry.co.uk/ to contact me to arrange a pick up and repair. After they had it for a couple of days, they got back to me with a quote for repair:- New keyboard (necessary) £123 + Vat. Mainboard (signs of liquid damage, but still working) £460(ish) + Vat Handling & Shipping £62.00 I decided to just pay for the new keyboard and shipping and handling, as that made the laptop fully functional. After a couple of weeks using the laptop, the same fault occured, so I went through the same process again. I had resigned myself to the fact I would now need a new mainboard. The price scared me but there was no other option. Again, MSI contracted http://www.djhenry.co.uk/ to arrange pick up and repair. I have now recieved a quote from them for the repair:- New Keyboard (necessary) £77.42 + Vat. Mainboard (Necessary) £404.65 + Vat. Labour & Handling £58.33 + Vat. If I don't want any repairs taken out, then it will be £50 inc Vat for shipping & handling. Concerned (as anyone would be), I gave them a call. After speaking to an advisor, he confirmed that there was liquid damage, and they were the necessary repairs needed. I explained that I had recently had the keyboard replaced. He hesitated for a bit before realising that I had already paid for a new keyboard (still within their own 3 month warranty deadline). He then put me on hold for about 20 minutes while he spoke to someone else. After getting back to me, he smugly told me that I would have to pay AGAIN for a new keyboard. I took this as an insult as he was basically saying that I had been stupid enough to let more liquid get into the laptop by spilling something on it again. This tells me that when they repaired it last time, and replaced the keyboard, they never even bothered to clean the inside of it. Otherwise, there would be nothing wrong with the new keyboard, and the main board would be the only thing needing replacing. I can't believe that MSI would use a company like this who don't even clean electrical items they recieve to be repaired. I am drafting a nice email for MSI regarding this matter, but that doesn't get my laptop back for me. I have told them I will be taking the matter to small claims, but will do that after I get some feedback form here and other avenues. I know consumer law, and I know these are wrong. They could have taken the £400+ for the new mainboard, and I would have left it at that. But they decided to go all in for the kill (rip off), and charge me twice for something. The mistake I made was not taking the name of the operator I spoke to who rudely put the phone down on me for saying one expletive word. The word wasn't even directed at him. I basically said 'I am not paying for another F*****g keyboard (oops). Not a hang up offence in my books. He just used that as an easy excuse to end the argument he was clearly losing. I also questioned how the prices differ so much from the first quote for repairs a couple of months before to now. All for the same items. I have an idea of what my next move will be, but would appreciate some feedback form you lot. I will be sending http://www.djhenry.co.uk/ the link to this thread, so if anyone needs to tell me something they don't need to know, then just PM me. Thanks in advance guys. SOD'EM

had two loans that I paid for 3 and 4 years respectively and like so many more discovered a big chunk of my payments had been going on PPI , one had been miss-sold because I was self employed and could never have claimed under the terms of the policy and the other I had refused but they added on anyhow. Calculated what my position would have been had all my payments been coming off the capital and concluded that one was definitely cleared and the other had possibly a few hundred outstanding. contacted the companies and got into wrangles with them that went nowhere. Then lost my job and couldn't have paid anyhow. I did at that point try claiming on the policies just to see and sure enough neither would pay a penny. told both companies to clear off unless they could provide me a calculation proving that I owed them money. Then the crash happened and these banks were sold and resold and then the loans were sold and resold. Now I have Mickey mouse Kapital and Road runner Kapital claiming to own these loans and with even bigger balances and have registered defaults for these big sums. They hire a new debt collector each month or so and sell on the data every two or three months to "some other Kapital" 1. Should I just keep ignoring them till it is statute barred in another few years? 2.Should I challenge them to prove the debt or remove the defaults and sod off 3. Should get back the PPI give them half it as a final offer and draw a line under it? Any suggestions?

I was told to post on here with regards receiving money back from a [problem] company? My bank say it was paid a couple of months ago as a one off payment to the same bank (as mine) so its all within the same bank branch/company I even have the bank details/sort code etc Is there anyway internally this can be retracted? I know this was a couple of months ago now, but the bank looked into it (hopefully) but they then said it wasn't really possible? Is there something called "Continuous Payment Authority" which I could get back my money?

I dont quite understand what the problem here is, claimant on DLA, partner is a carer, claim income support/child tax credits etc. Do not claim Mortgage relief (barred for whatever reason it was at the time of the claim some years ago) October, the Atos form arrives re assessment, form filled in and sent back (recorded), nothing heard from since. No medical sought (as yet) Roll forward 2 months and a letter drops through the door from the Benefit Integrity Centre in Ilford (about 100miles from the claimants address) withan Income Support from A2/04/12 . Form states that claimant has been getting income support for some time now and they need make sure they're getting the right amount of money. The enclosed letter from the Integrity Centre was dated 7th December and they want it back by the 20th December, just under two weeks. It is 33 pages long, has questions that were not asked the same or were not on the original form filled out about 6 years ago when the claim was first made, some of the questions seem almost intrusive. Some of the questions require quite accurate information, the claimant is currently not really well enough to answer the questions, some of the paperwork required needs a bank statement obtaining/ share amounts calculating etc. All this within 13 days or the threat of money being stopped? Seems a little unfair. They also want 'where to pay the money into' which they already have the details re accounts/sort codes, so why the need for these details? In part5 it asks ' Do you or your partner have any of the following' and ' You must answer for every item in the list. Tell us about accounts even if they are not in credit. but then go on to give just one line and £ amount for the bank accounts? Does this mean the claimant has to say 'Yes' to the bank accounts and then add how much is in each one credit wise and put the total in the box? If this is the case, the accounts are all but one overdrawn. Also, it asks for saving, there is a running float of around £1k in the account that the DWP payments are put in to, this would not be 'savings' but more of there before it gets used (which it does every month. They also want details of the mortgage but this was before the initial claim was made by some 4 years and no mortgage relief is being claimed (they are disallowed by the rules) so why is this relevant? why do they need to know? any help/advice would be much appreicated, the time limit given for the form (sent on 7th, received on 9th and want it back by 20th) seems a little strict.

We keep getting calls, usually with no one at the other end or start to speak and then cut off (Foreign voice) from 08081450360 On googling this number and the various sites, some say its a genuine Lloyds collection but the majority say its bogus Any definitive thoughts please One here does bank with Lloyds