It's been a while since I've been here, but I'm needing to send off a CCA again, but the wording in the final message is confusing:

Quote

unless you are responding to a court claim

you do not need to send a CCA by Recorded.

 

you can simply use 1st class and get proof of posting when you get the PO

 

pop it in the envelope with the letter

I raised a formal complaint about the lack of clarity, inconsistent answers, and the fact that neither customer accounts nor support systems seem to show upcoming payment dates.
The staff member handling the complaint said payment will be attempted in the next 3 days or so. I then ensured enough funds were available and the payment went through.

Chip upheld the complaint on Jan 21 2026, apologised, said feedback was given to the agent and offered £30 compensation. They said:

Quote

Neither your account or our system has access to upcoming payment request dates, and this lack of visibility contributed to the error.  
We accept that this was our error, and we sincerely apologise for any inconvenience or distress this caused.To put things right, we have done the following;  
Feedback will be provided to our customer service team to address this knowledge gap and help prevent a recurrence.

About the complaint resolution, I replied asking: 
 

Quote

 

For example, if another support request arises related to payments being taken immediately upon a membership change (as opposed to the following month), it would be helpful to know that proactive steps, such as updated training or system notes, have been implemented to prevent similar miscommunications—especially given the lack of visibility on upcoming payment request dates in both customer accounts and your internal systems.

To help resolve this fully, could you please provide more details on the steps being taken to address this across the wider support team and prevent recurrence? Once I have that assurance, I would be happy to reconsider accepting the £30 compensation in full and final settlement. 

 

Chip replied saying their internal training materials are "undergoing revision and will be published internally in due course".

I’m now deciding whether to accept the £30 (and close it) or keep pushing for clearer assurances that this isn’t just a one-off agent fix but a proper process improvement across support.

The £30 feels fair for the hassle, but I’m uneasy that the root issue (poor visibility on payment timing for both customers and staff) might recur if training isn’t properly rolled out.

Has anyone else had a similar experience with Chip complaints? Would you accept the £30 as is, or reply again asking for specifics on training rollout and systemic fixes before accepting? I still have until late July to go to the Financial Ombudsman if needed.

Thanks for any thoughts, insights and comments.

But long story short.

With husband for over 20 years - it was abusive - emotionally/financially and mentally.  Finally left him 2 years ago and moved out last Jan.  he stayed in the house till we sold it in May.  took a while to go though but finally completed in Dec. 

In the meantime we argued about loans that my mum had given us both, but half of it was for two black taxis that he wanted to buy but didn't have the money, she lent him 26k for both of those and, the other half was for various other things that were for both of us and we agreed when we borrowed it back in 2011 (approx) that we would pay her back monthly.  so we paid back approx £469 per month - then he started to make excuses that the cabbing trade was weak and so would say can we skip this month and catch up next and then next month never happened.

then throughout 2013, 2105, 2017, 2018 he would ask me to ask her for loans for other debts he had with credit cards - friends/ family etc, putting pressure on me to ask her - he would never ask himself - but I would get the guilt trip (i have kept these emails) I feel looking back that this really was a coerced debt?  he was also a bad gambler so he would earn money in the cab then blow it - then say he was depressed and just wanted to clear his debt and again ask me to ask my mum for loans.

i have emails and texts from him saying that once we re mortgaged the house( (when we were together|) we would pay her back then - he sent those to me as well as text messages. also said if he decided to sell she would get her money back in full then too.  so then when we did sell he started denying he owed it!! 

i was at the house one day he was about to move out and he asked to speak to me- he said he had thought about it and decided that he was not going to deny he owed her money and wanted to pay her back for the two cabs so would give her 25k, the total debt is actually 80k  - 46k of it is his and 34k is mine.  our profit from the house each is 64k I am more than willing to give my mum back what I owe, he is not.  I recorded this convo (as I recorded all conversations after we split as he was abusive verbally and would threaten to hurt my friends and family so I wanted to protect myself. ) and now he is denying ALL the debt and saying the cabs were a gift!!.

My mum has text messages from him back on 19th March 2019 as the last one saying he would pay her back when the house was sold or we re mortgaged and I also have lots of text message and emails saying the same thing - so I wanted to check what the position is re statute barred etc.

ive read lots on the internet but hard to get a definite answer as its a family loan - there was no signed agreement but as I said above lots of evidence - we are prepared to do a court claim for his half.  but we want to make sure have the right info.

I am going to pay my mum money tomorrow under the ref "loan" as we think that as its a joint debt then this would reset any clock?  but I think the clock starts from when the debt became due which was when the house was sold?

Can you please help!

Thank you 

Myfamily

Quote

[recently took out a loan to buy and refurbish a house with a lender called Roma,based in Manchester]  who then repossessed the property without warning once the renovations were done. And they were completely done, entirely to a good standard. This was after only 12 months. Then they sold it at auction at a price that was 75k below market value, causing a shortfall, in their view, and Then started coming after my own house [where I live] attempting to sell it under my nose. to pay off this shortfall, which was of their own making anyway. I made a complaint to their customer service but they just threw it out. Their behaviour has been utterly appalling. They are charging interest rates and other fees of around 4% per month, much of which appear to be unlawful and punitive, as this includes penalties and --a weird one- facility fees charged monthly. Plus extension fees and loads of other hidden fees, all because of being in 'default'. They said 'that is because you are in default,'  but I feel I was refused a legitimate extension to the loan, which would have given me time to sell the house, and not be in default. So I feel I was pushed into default completely unnecessarily and therefore all these exorbitant fees are accruing. I have had several properties in my time, all with mortgages, including buy to let properties, and have NEVER been treated like this. I have even been charged for non existent estate agency fees of £7000, even though the buyer paid the fee [11,000£ auction fee in this case], and the estate agents just put a board up and failed to produce a buyer. So that is theft of £7000 straight off the bat. You couldn't make this up. Even the Inland Revenue are vastly more pleasant and understanding. And of course, they are unregulated, so FCA cant help. Apparently I am not the only case. There was one listed here 4 years ago, and recently 'This Millwall chap' appears to be another. The crazy thing is, they constantly promote themselves as caring lenders, always putting the borrower first, and helping property investors make profits together etc etc, whereby they are the complete opposite. Greedy, deceitful, vile, cruel, dishonest. Mis- representations galore. I must have lost over £200,000. so far and the nightmare is not over yet. May have to file for bankruptcy. Glad to hear any comments.

I recently took out a loan to buy and refurbish a house with a lender called Roma, [based in Manchester]  who then repossessed the property without warning once the renovations were done.

And they were completely done, entirely to a good standard.

This was after only 12 months.

Then they sold it at auction at a price that was 75k below market value, causing a shortfall, in their view, and Then started coming after my own house [where I live] attempting to sell it under my nose. to pay off this shortfall, which was of their own making anyway.

I made a complaint to their customer service but they just threw it out.

Their behaviour has been utterly appalling.

They are charging interest rates and other fees of around 4% per month, much of which appear to be unlawful and punitive, as this includes penalties and --a weird one- facility fees charged monthly.

Plus extension fees and loads of other hidden fees, all because of being in 'default'.

They said 'that is because you are in default,'  but I feel I was refused a legitimate extension to the loan, which would have given me time to sell the house, and not be in default.

So I feel I was pushed into default completely unnecessarily and therefore all these exorbitant fees are accruing.

I have had several properties in my time, all with mortgages, including buy to let properties, and have NEVER been treated like this.

I have even been charged for non existent estate agency fees of £7000, even though the buyer paid the fee [11,000£ auction fee in this case], and the estate agents just put a board up and failed to produce a buyer.

So that is theft of £7000 straight off the bat.

You couldn't make this up.

Even the Inland Revenue are vastly more pleasant and understanding.

And of course, they are unregulated, so FCA cant help.

Apparently I am not the only case.

There was one listed here 4 years ago, and recently 'This Millwall chap' appears to be another.

The crazy thing is, they constantly promote themselves as caring lenders, always putting the borrower first, and helping property investors make profits together etc etc, whereby they are the complete opposite.

Greedy, deceitful, vile, cruel, dishonest. Mis- representations galore. I must have lost over £200,000. so far and the nightmare is not over yet.

May have to file for bankruptcy.

Glad to hear any comments.

The Chip support agent told me:

Quote

..during a transfer, your Chip Cash ISA would be closed, which is something to keep in mind if you plan to switch providers due to the limitations of our system. However if you close your entire Chip account you would have the ability to open another Chip Cash ISA on your new Chip account.
I understand your concerns and will pass this feedback along, as I can see how this could feel restrictive. Please let me know if you need any further clarification or assistance with your account.

I felt that the workaround should've been mentioned on the website, and not just mentioned when a customer contacts Chip support, so I asked that a complaint be raised. I also had another question about my ISA allowance. Chip support raised a complaint but said I would need to raise a separate ticket about general questions. When I tried to raise another support ticket, I found that it wasn't possible (turns out only one ongoing support ticket is allowed on the Chip App). So, I emailed Chip support. Email support staff replied asking for my phone number to verify my account. 

I felt the requirement of phone number ought to have been mentioned on the website, so I added another complaint point to my original complaint. Chip investigated my complaint points (3 in total) and agreed with 2 of them. The ones they agreed was the need for phone number to be mentioned on website, however, they said:
 

Quote

Your comments have been shared with our web team for consideration. However, we cannot guarantee that this information will be added, as we aim to keep the website clear and accessible while balancing the amount of detail provided.

Chip also agreed that I should not have been told to raise a new support ticket for a general query and that the adviser should've handled my other query together within the same support ticket. Chip also said:

Quote

To clarify, customers can only have one live chat open at a time, which is why you could not start a new chat at that moment. We apologise that you were advised otherwise.

The only part Chip did not agree with is my suggestion to list the opening new Chip ISA after leaving workaround on it's website. Chip complaints team said: 

Quote

Chip does not advise or advertise that customers can open a new Chip profile and Cash ISA after their existing Cash ISA has been closed following a transfer out.
This approach is not part of Chip's process and is not recommended. We acknowledge that the adviser you spoke to provided incorrect information in this instance. Feedback has been given to that individual to prevent similar issues in the future.

Chip has offered me £80 for the shortcomings (distress and inconvenience caused by the customer service I received) as full and final settlement. I have until today to accept it or escalate the complaint to the Financial Ombudsman Service (FOS). 

Although, the compensation amount seems fair, I feel that the workaround is something that Chip had been practising up to now, but soon after I raised a complaint asking how come it's not shared on the website, then they changed tact and said the support agent has made a mistake. It could be that, Chip figured that if the workaround becomes widely known, then they will lose many customers (as customers will be more likely to leave in the hope of coming back to Chip one-day when rates improve). However, with the restriction in place, a customer is likely to think twice before going ahead with the transfer. By the way, I never ended up doing the transfer and am still with Chip. 

So, my question is, should I accept Chip's final offer of £80 and be done with this complaint or should I escalate the complaint to the FOS?
 

We have a 40% deposit so quite a hefty sum sent them copies of payslips, bank statements etc.

I was then contacted by the broker saying the lender wanted to know about £5.00 a month I was paying to Link as they knew it was a debt collection company.

This debt happened over 20 years ago when my wife and I split up and there was general confusion as to who owed what and I got stuck with this debt, I was struggling at the time and the agency accepted £5.00 and that has been going out of my account for many years. The bank has turned me down because of this.

What's the point of a credit report of 6 years of never missing payments if they want to delve into debt of over 20 years, does anyone have any ideas?

I have received emails from Overdales saying they have sent me a letter before action,

I don’t even read their letters, I probably ripped it up,

the deadline has expired,  last email was 3 days to pay or issue court proceedings.

Amount owed £153.00

this debt was taken to court by Lowell’s, can’t remember dates at all, used mediation and offered £5PCM, this was accepted,

stopped paying this years ago and never heard a thing

now Overdales are back with same date issuing proceedings again.

I may let this run it’s course and argue in court that because they failed to apply for CCJ after payments stopped then they should not be allowed to apply again,

I don’t know when debt is from but because I admitted it during mediation not sure what route to take, I think it would be statue barred.

might ring them and ask them when last payment was because I cannot remember at all.

I have a question in relation to Bank Security questions being recorded and transcribed automatically by AI.

Recently I had the need to contact Starling due to a payment on my account, by way of resolution an agent contacted me by phone, introduced herself and provided the complaint reference - she then went on to do the spiel about calls are recorded but then added "the call will also be automatically transcribed".

She then asked me to provide security details of which I refused on the following grounds:

The call is being recorded so questions and answers can be accessed.

The call is being transcribed where again my security information is being written down but also by AI.

The call ended there so she emailed me the response instead but also said on checking with her manager the AI software is there internal and everything is stored internally.

I raised a complaint about this, as majority of companies pause recording of security details or even have procedures where you provide random code.

The result of the complaint came back as not being upheld: (attached)

"Under UK GDPR this is not a personal data breach as personal data has not been unlawfully or accidentally disclosed, accessed or altered. All the transcribing is kept in-house and the transcripts are not used for training any AI models and are completely under Starling's control and no automated decision is used for transcripts either. "

I've not complained about a data breach, I've complained about how they are recording security information which is used to access the account.

To me it seems that it's ok for Starling bank to write down security information but if I said oh I've written my security down during a fraud complaint then it would be my fault?

Am I just over thinking this, or am I correct that no bank should be recording/transcribing security information.. is it worth the escalation to the FOS as they've pointed out in their final decision?

complaint Starling Bank.pdf

What is authorised push payment fraud?
Authorised push payment fraud happens when you are tricked by a criminal into sending money by bank payment to an account that they control and which you do not.

You can make a bank payment through online and mobile banking, at your branch or by telephone banking.

Every year thousands of people and businesses are victims of APP fraud. Common types of APP fraud include:

purchase fraud, where criminals pretend to sell things that don't exist.

impersonation fraud, where criminals claim to be someone from a bank, the police or another trusted organisation to steal money.

investment fraud, where you're convinced to move your money into a fictitious fund or to pay for what later turns out to be a fake investment.

romance fraud, when criminals use a fake dating profile to start a relationship with you and then ask for money.

invoice fraud, where fraudsters send false invoices.

UK launches world-first bank transfer fraud refund scheme (msn.com)

I did the unthinkable and read through some spam and came across one which piqued my attention. It was for a company, UK based, called xxxxxxx

I've looked into the various review sites and checked forums for red-flags, but the only time I've seen complaints is when people have to pay the fee to the "no win no fee" company lol.

I have some old, now dead, CC debts, which these guys could cover, but before I make any commitments I was wondering if anyone here had any experience with them?

All I've done is given them the go-ahead to approach Vanquis and Aqua re these debts (one was 600ish the other 400ish, all charges from the unfair charges days)  I double I'll get very much from it in the end.. 

That said, unless they can get their interest on those amounts.. 

Any feedback would be handy as they've changed how they work due to people getting their payment from whichever institution and not paying them.

They now withhold the payment as it gets sent to them by cheque, and you have to pay their "win fee" to get it, which makes sense.

Obviously they can't cash your cheque so I understand.

just doing my due diligence before I go bounding in

Cheers,

Ade

On 28 August 2022 I submitted a SAR to Monzo Bank.

On 31 August 2022 Monzo Bank requested further information relating to my identity.

On 31 August 2022 I emailed Monzo Bank a copy of my drivers license.

On 31 August 2022 Monzo Bank refused to disclose copies of my data without receiving a photo of me holding my drivers license.

On 1 September 2022 I made a follow up request for my data however Monzo Bank refused the request.

On 30 September 2022 I submitted a County Court claim against Monzo Bank for the distress caused as a result of their failure to disclose my data.

On 22 March 2023 Monzo Bank made an application to dimiss my claim and request summary judgment.

The application hearing and trial were listed for the same day.

On 21 April 2023 I consider what occured to be a complete stitch up by the Court, following Monzo Bank having submitted no documents in accordance with the directions of the Court for trial.

The judge proceeded to conduct a mini trial over 2 hours despite the White Book giving clear guidance that applications to strike out a claim should not be a mini trial.

Ultimately the judge decided that the claim should proceed but that the particulars of claim should be amended and Monzo Bank awarded their costs (to be assessed) in amending their Defence.

Given enough time I was confident that the ridiculousness of the situation would result in Monzo Bank standing in Court explaining to a judge that they have no idea who I am, while I am stood next to them, therefore...

On 5 September 2023 Monzo Bank sent me the following letter.

Monzo - Defendant - Letter 05.09.23 - Redacted.pdf

My position is that Monzo's refusal to respond to my request on the basis they have doubts as to my identity is both complete nonsense and a breach of their statutory duty pursuant to the DPA 2018 and the UK GDPR.

I have no intention of submitting a photo of myself holding a picture of my drivers license for various reasons.

Below is a draft response to their letter, a without prejudice offer.
 

Quote

WITHOUT PREJUDICE SAVE AS TO COSTS

 

 

Sent by e-mail only: Danielle.Futcher@TLTsolicitors.com

 

Dear Ms Futcher,

Claim Number: XXXXXXXX

Your Letter

I write in reference to your letter dated 5 September 2023 and respond to the following points.

 

1.       I maintain my position that Monzo Bank Limited has no right to obstruct access to my data upon the nonsense idea that it has doubts has to my identity in particular following its receipt of a copy of my identification on 31 August 2022.

2.       I am open to any sensible proposals Monzo Bank Limited has to make however I expect a full disclosure in response to my SAR dated 28 August 2022 and to which Monzo Bank Limited remains in default of its statutory obligations.

3.       My SAR does not require re-opening and I refer you to the attached transcript of the discussion between myself and the Information Commissioner’s Office dated 28 April 2023 and which I am happy to share with the Judge should your client maintain its nonsense position that a SAR can be “cancelled”.

4.       My claim results from the distress caused to me as a result of not having access to my personal data as of 28 September 2022.

4.1.   You will understand that the hearing you refer to took place on 21 April 2023. Therefore, given Monzo Bank Limited’s position which is wholly unfounded, it still should have disclosed my data at its own admission by 21 May 2023.

4.2.   You will understand that Monzo Bank Limited is only now proposing to respond in full to my SAR a full 11 months and 9 days after the statutory one month timeline to respond expired and 4 months and 16 days following your failed application.

The Offer

I offer to discontinue my claim upon the following conditions:

1.       I receive a full disclosure in response to my SAR within 14 days of the date of this letter.

2.       I receive payment of £1000.

3.       I receive an apology for the delay in responding in full to my SAR.

4.       Both parties agree to absorb their own costs.

Please confirm whether you accept the offer in principle which will remain open for acceptance until 4:00 pm on XX September 2023, after which point it will be automatically withdrawn.

Yours sincerely,

Background

I had an Ikano Bank store card with a £300 limit,  I had used this card a few times making online purchases for home delivery,  I paid the outstanding balance in full and stopped using the card,

many months later I received a statement showing a purchase of £198 that I did not recognize, I was unable to find the store card and contacted Ikano Bank through their online app,  the only way to communicate that I could find was using their online form with a submit button, I reported the lost card and the unauthorized transaction and requested that the account be closed using this online form, I did not receive any electronic acknowledgements or letters regarding my reporting the lost card and heard no more for over a year I assumed the account had been closed.

I then received a letter saying I owed £258 from Ikano Bank and started to receive emailed statements,

I made a written complaint to this and received a response dismissing that I had previously reported the store card lost and the transaction as unauthorized and the reason for such a delay in sending statements was that I had breathing space applied to my account and they by mistake forgot to remove this,

I further requested proof that I carried out this disputed transaction and the response was just repeating that I owe this money.

I have now received a letter from Lowell that they have purchased this account and claiming I owe them £258, I have responded by requesting a copy of the credit agreement and statement of account which they have now provided.

My understanding is that the consumer credit act provides protection to the consumer when a transaction is disputed or the card is lost that the onus is on the credit card company to prove the transaction was carried out by the account holder?

I appreciate any comments or suggestions on what my response should be.

Thank you.  

Over the last three months we have started to receive regular letters and text messages from a DCA with regard to an old CC balance that is over 14 years old.

I am 1000% sure this would be statute barred if push came to shove as we have had no direct contact with any company with regard to this in ten years or more.

Although the letters and texts are not threatening in any way, just offering a huge discount to settle, they are getting a little annoying.

my question is simply this, can I tell them to sling their hook?

I'd like to soooo much but know the golden rules with regard to no contact.

Cheers

Realistically based on the information I have given here, what do you think my chances are of getting this marker removed?

Any help/advice on this would be greatly appreciated x

The letter was addressed to my registered address, but forwarded elsewhere by RM.   I don't live there.  The property is subject to lengthy litigation for >5y.  I'm no longer in possession but am disputing all sorts of issues.  I have no job, income, savings or other assets.  The loan cannot be charged against any property.

Do I simply reply with a short truthful statement  based on what I relate above? Or do I add anything about it being 10y ie is it SB?

The job was to submit tasks on Hotwire online platform for App optimisation and earn commission as tether usdt cryptocurrency. 

Initially I was earning good commission and able to withdraw funds

representative lured me go upgrade my vip level to earn higher commission

that is when I started to get negative balance which I was told to clear by converting money into crypto as I will be able to withdraw all of the funds including my commission at the end

when I completed all the tasks scammer took all the money by saying all my money went to wrong crypto address. 

When I looked online I found that there are many such scams are happening and that is when I realised that I have been scammed. 

I have raised this case to Action Fraud and also to my bank

I have lost lots of money and I am very worried and want to know if there are any chances of getting my money back?

I had a bad stroke couple of years ago. When discharged was told I would never walk again. Prior to stroke I was financially very sound . Paid off mortgage house only in my name.

Had two choices be in a wheelchair have the house revamped

or  a second option.

Lot of my family are in military who put me in contact with a genius of a Nuero physio. He had initially worked for NATO. Massive reputation. Had an assessment in which he told me he could get me back to not far of normal.  it would take a lot of work off from me and would take a couple of years By then he had gone private he was very expensive but worth every penny the therapy worked . He was the real deal.  slowly though my financial assets were used up . He’s still seeing me on a massive reduced rate. 

as I mentioned own the house with a large amount of equity. I had tough couple of years but will soon be in a position to be able to get out and about.

currently my income is state pension and PIP not bad but I want to get back the missing years, be able to afford taxis, football season ticket nothing flash. 
couple of times I have applied for Equity Release and easily passed all the financial criteria only to hit a block. The final bit is Surveyors come round and check suitability of the house. All good.

Then they checked how the house was built.

I live on a decent ex council estate but it turns out when estate was originally built they were built by Reema , they main part of the house is made out of large concrete blocks then the house is built round it.

Turns out there is a rare chance that the blocks which are reinforced by large iron bars would in many decades time delay I’ve been declined for equity release.

Has anyone encountered this and even better know of any ER companies the would take my house on ? 

I have no plans to be frivolous just want to regain the last couple of years.

No World Cruises or any of that just have some wiggle room with my finances.

Thanks

On September 24, 2023, I tried to withdraw £1500 from an ATM outside Asda.

However, it only dispensed £1000, and my account was charged.

I promptly went into Asda to report the issue to security, who advised me to contact the bank.

I filed a dispute with NatWest, but they recently informed me via email that the resolution was unsuccessful, without providing any explanation.

The next step is to file a complaint.

I also spoke with Asda, and they reviewed their CCTV footage, which showed me approaching the security guard inside the store.

Unfortunately, they couldn't confirm whether I physically received the money the ATM dispensed.

What actually occurred was that the ATM initially made dispensing noises, but at the last moment, it cancelled the transaction and displayed a message instructing me to contact the bank.

I am very disappointed to have lost £500.

Is there any way to escalate this matter?

Im new so sorry straight away if this is done wrong but I just wanted to get some advice to see if I’m wasting my time .

I have had several credit cards many from 2014/15 which have now been cleared however when I opened them I was in financial hardship , I was given increase after increase even after having defaults on my accounts , I was charge £30 a time for going over late payments etc.

The cards were with vanquis, Aqua ,barclaycard and marbles plus capital one.

I’ve initiated an irresponsible lending claim and also a DSAR for my bank accounts I had back then too as those also got charged almost weekly with going over fees etc.

lloyds gave me a overdraft I’ve £200 to start the somehow it got upto £5,000 in 2 years ! On a £600 per month topshop which wage which inevitably defaulted .
 

yes I’m silly and yes it was my fault but I also genuinely believe that I shouldn’t have had the increases on my cards and overdrafts in hindsight. This was in a very horrific time Of my life that I won’t go into but that’s why I was so foolish . 

as I say these are laid off now and I’m a lot more sensible now . 

my questions are .

is it too late? 
 

the Lloyds bank was wound 2018

the credit cards maybe 2015

I did have a RBS account also which would be maybe 2008 , that defiantly had overdraft charges etc and also we paid for a premium but can’t remember what . Would the deadline defiantly have passed for this one? 

is it worth the time perusing the cards and banks or have deadlines passed.

I have requested DSARs for everything and h e downloaded my credit file for what I can see but obviously this only goes back 6 years , is there anywhere I can see past this ? 
 

I have already got my Lloyds statements .

any advice would be brilliant , I’ve started my claims through resolver with the basic templates .

thanks again 

Leanne 

When i spoke to Monzo about this they kept telling me to go back to the company as i should be dealing with them.

i have already done this and they have said to take this up with my bank,  under the direct debit guarantee this should be looked into and refunded immediately,

of course it can be reversed if found to be untrue (which we know it is not)

how do i get Monzo to do what they should do by law and reverse the charges please?

The contractor changed the written specification of the sub base without our consent and then continued to demand full payment when this was discovered and challenged.

All attempts to resolve failed.

We have provided the credit card provider with;

1. Copy of quotation stating the specification we wished to be installed, with payment made for making the basis of the contract on the specification terms.

2. Written email confirmation from the contractor confirming they changed the specification of the sub base to ‘ease the installation process’

3. A basic report from a grounds installation contractor confirming what he found upon inspection (I.e missing the contractual elements of the specification of the sub base)

We raised a claim under 75 for breach for contract due to the above.

The credit card company are now demanding a written report confirming industry standards have not been met, despite me already confirming to them the works do not fall under regulatory acts of planning or building control and that we are raising a claim under a breach of contract.

We have found an ‘expert witness’ who can undertake a report at a cost of £750. The credit card company are advising that this ‘possibly’ could be reimbursed if the claim is valid and successful.

We are concerned here as if they don’t proceed this will cost us £750, and we cannot see any logic why this would be required for a breach of contract given the evidence already provided to them.

Any advise would be most welcomed.

My question is how long does the deposit need to be made before I can withdrawal the second year's amount, you are allowed 4000 per year and is topped up to 5000, I understand the 1st year to wait, but is this still the case for the second year's deposit, I.e if I deposit another 4000 and get the 1000 extra, do I have to wait another 12 months to access these funds or are they available sooner, as I will be looking to purchase in the coming months. 

I hope this makes sense but cannot find any information, obviously it's a lot of extra money but no good in a year's time.

Basically, I am sole director of a Ltd Co. 

Took out a BBL as that was the only "help" the government would give me, through Starling Bank.  Very quick - application to funds arriving was about 2 hours! 

Business has been very difficult since, blah blah blah.... 

 Starling offered a few options to help everyone, so there was a 6 month payment holiday. Check.   

3 lots of 6 months at interest only. Check.

Extend the term to 10 years. Check.   

I've now run out of options, but there's no way I can afford to start up the full payments as they want.   

I can continue to pay interest only and review it every 6 months, but I suspect at some point I am going to have to call it quits and tell them I can't afford to pay.    I plan on closing the business down in the next 2-3 years anyway. 

Does anyone know what the situation would be if I were to just stop paying the loan?   

As I say, it's a Ltd Co - am I right in thinking that as it was backed by the government, if I default the bank would get the money back from them? 

Would it impact my personal credit record?   

I have no intention or need to be borrowing money as the company, so if the business got a default (is that even a thing?!) then how might that affect me personally?

Sorry to be so vague but this is doing m head in! 

Many thanks all

I had a Limited Company Business Account with Cash Plus, It was costing too much to be Limited so I changed to sole trader. But before I could inform the bank they run a Limited Company Check and found that I had de registered. I had a balance of 718.73 in my business account which they say they have sent to the "Treasury" however I have asked to see this and they are refusing to send me details. It has taken me two years to get statements from them!

Does anyone know what I can do about this please.