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  • #46
    Re: Debt and Loan Help Pleazzzzzzee.......

    Originally posted by furryboo View Post
    Ok, so I shall report my card as stolen and then should I use the sleeping in my car letter or just write ansd tell them I cannot pay?

    Thanks

    furryboo
    see post 47..............
    I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

    If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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    • #47
      Re: Debt and Loan Help Pleazzzzzzee.......

      OK, how many of you have down this and it worked! I just don't know whether they will believe me!

      Thanks

      furryboo

      Comment

      • #48
        Re: Debt and Loan Help Pleazzzzzzee.......

        No! I don't! Just worried about fraud etc..I was thinking I did sign contracts with these people but they were not paper contracts!

        Thanks

        furryboo

        Comment

        • #49
          Re: Debt and Loan Help Pleazzzzzzee.......

          Originally posted by furryboo View Post
          OK, how many of you have down this and it worked! I just don't know whether they will believe me!
          I haven't, but I'd not need to do that as I rarely take out any continued payment mandate over which I do not have complete control.

          As for whether or not one would be believed, the only objection that the bank might have would be if you'd used the card for transactions such as shopping after the date you claimed it was stolen.

          I believe a safer way would be to write to the bank, using Regulation 55 (3) and (4) of the Payment Services Regulations 2009 (link) to withdraw or revoke one's consent from a transaction or a series of transactions with a stated payee or payees.

          No explanation needs to be given to the bank as to why one's consent has been revoked.

          Comment

          • #50
            Re: Debt and Loan Help Pleazzzzzzee.......

            Thanks clever clogs!

            Does it make a difference if I report the card lost or stolen?

            I am so nervous about which one to do with regards writing to the payday people or the bank! What impact will each one have?

            Thanks

            furryboo

            Comment

            • #51
              Re: Debt and Loan Help Pleazzzzzzee.......

              What is this nonsense? It's a payday loan FFS!!

              Nervous, why?

              CC - careful the banks will not roll over if you quote this thus we say a stolen card is better and proven to work.

              Jees talk about taking a horse to water

              Sorry but I thought this was done; waiting on a new card already!! Evidently not
              I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

              If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

              Comment

              • #52
                Re: Debt and Loan Help Pleazzzzzzee.......

                Originally posted by furryboo View Post
                No! I don't! Just worried about fraud etc..I was thinking I did sign contracts with these people but they were not paper contracts!

                Thanks

                furryboo
                Fraud? The only fraud was that piece of paper THEY gave you.
                I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

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                • #53
                  Re: Debt and Loan Help Pleazzzzzzee.......

                  Sorry.....Just I found you guys and my stress appears lifted!

                  Nervous, cos I don't want to end up in court or anything like that!

                  If I report it stolen will they not want statements etc?!?

                  So am I writing and saying I am living in a car or am I writing to the banks instead?

                  Thanks

                  furryboo

                  Comment

                  • #54
                    Re: Debt and Loan Help Pleazzzzzzee.......

                    Court? Never
                    Fraud? What

                    It's perfectly normal. You will be fine.

                    Well you ring the bank don't you. You write to the PDL as per my post on last page!
                    I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                    If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

                    Comment

                    • #55
                      Re: Debt and Loan Help Pleazzzzzzee.......

                      'Never in doubt suits you perfectly!!! LOL!!!

                      Ok, I will do this all today and keep you all posted!!!

                      What is the worst that can happen!

                      Thank you

                      furryboo

                      Comment

                      • #56
                        Re: Debt and Loan Help Pleazzzzzzee.......

                        Originally posted by furryboo View Post
                        'Never in doubt suits you perfectly!!! LOL!!!

                        Ok, I will do this all today and keep you all posted!!!

                        What is the worst that can happen!

                        Thank you

                        furryboo
                        you get eaten by a shark .........
                        I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                        If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                        Comment

                        • #57
                          Re: Debt and Loan Help Pleazzzzzzee.......

                          A loan shark?!? LOL!!!

                          I will send letters out todya and report card stolen! I'm even worried about that story...

                          Then keep you posted!

                          Thanks you again for all your help guys!

                          furryboo

                          Comment

                          • #58
                            Re: Debt and Loan Help Pleazzzzzzee.......

                            Just say you lost your bag/wallet and thus need a new card cos your old one is "out there" somewhere
                            I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                            If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

                            Comment

                            • #59
                              Re: Debt and Loan Help Pleazzzzzzee.......

                              OK thank you!

                              Will keep you posted.

                              furryboo

                              Comment

                              • #60
                                Re: Debt and Loan Help Pleazzzzzzee.......

                                Silly question I know but how badly will this effect my wifes credit rating? She has a very good credit rating but we do share a bank account! ANy advice on this? and if you chance bank accounts how badly can that effect your credit score?

                                Thanks

                                furryboo

                                Comment

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