V A N Q U I S

Innocent_Guy

never-in-doubt wrote: »

You got it

That said, my card is active (I spent £2500 on it to stop them closing it lol)..... but they have now charged me £25 for exceeding my o/d when I was £11 overdrawn - even though they reduced it and sent the letter 3 days after it was reduced - how was I to know that they'd reduced it and to credit the account? So i've threatened court over it and will follow it through unless they sort it out!

I also want my behaviour score restoring to its previous level as its now in the 40's due to their balls-up. I'll take this to the hilt if needs be, out of principle (if only they knew who they were dealing with!)...

My other thought is that they've cottoned on that i'm niddy boy

p.s. see my new thread? Unenforceability & Template Letters II

Mate what they playing at? You have no late or missed payments so surely they can see that you are not planning on defaulting?

I suppose you can take a look from there point of view that if the believe you have previous defaults you may default? Are they getting there info from CAIS?

never-in-doubt

Innocent_Guy wrote: »

Mate what they playing at? You have no late or missed payments so surely they can see that you are not planning on defaulting?

I suppose you can take a look from there point of view that if the believe you have previous defaults you may default? Are they getting there info from CAIS?

I think its to do with the past account (ID Fraud) - they want me to go into branch for interview, i'm like no thanks! I'm not going for a job - who do they think they are? I'd sooner close my account than to jump at their every whim

They done an account review (I think) which led them to see my searches (presently in excess of 130) and my 2 x cifas entries. I can only therefore assume this is the cause or like you say, CAIS....

Yea, whilst I appreciate it is a full account i'm more than happy with my coventy callsave moneymanager II account

Innocent_Guy

never-in-doubt wrote: »

I think its to do with the past account (ID Fraud) - they want me to go into branch for interview, i'm like no thanks!

I remember you telling me about this before but cannot remember exactly what? Was this the thing where they sent a copy of your passport to the CRA's? What will be the outcome of the interview?

never-in-doubt

Innocent_Guy wrote: »

I remember you telling me about this before but cannot remember exactly what? Was this the thing where they sent a copy of your passport to the CRA's? What will be the outcome of the interview?

Yea - summat dodgy must have gone on mate.... maybe they want to arrest me in branch :rotfl::rotfl::rotfl:

Shame - I reported my passport stolen and the account(s) were opened after this date using the old passport as ID. Not my fault is it

But anyway, i'm not going to no ruddy interview - what, for a branch manager? My ar'se! They can go fly on a helium filled pig! :mad:

Innocent_Guy

never-in-doubt wrote: »

Yea - summat dodgy must have gone on mate.... maybe they want to arrest me in branch :rotfl::rotfl::rotfl:

Shame - I reported my passport stolen and the account(s) were opened after this date using the old passport as ID. Not my fault is it

But anyway, i'm not going to no ruddy interview - what, for a branch manager? My ar'se! They can go fly on a helium filled pig! :mad:

TBH I wouldn't trust going into a branch for some fraud investigator to be there waiting. Surely they could ask anything they needed over the phone or via post?

Innocent_Guy

never-in-doubt wrote: »

Shame - I reported my passport stolen and the account(s) were opened after this date using the old passport as ID. Not my fault is it

What exactly are the accusing you of?

never-in-doubt

Innocent_Guy wrote: »

TBH I wouldn't trust going into a branch for some fraud investigator to be there waiting. Surely they could ask anything they needed over the phone or via post?

Exactly mate - that's what i've thought. I mean, I aint bothered about no fraud investigator - maybe they forget i'm a head of fraud in my job and I investigate more than they probably do on a daily basis

I'd love to see his face though cos i'd turn the tables and start quoting the law to him to see if he knows his stuff - obviously he'd then ask me how I was clued up to which i'd simply reply 'cos i'm a damn good fraudster and know the law' :rotfl::rotfl:

Wind him right up - could be funny....

never-in-doubt

Innocent_Guy wrote: »

What exactly are the accusing you of?

Nothing mate - but I know my passport was stolen and he opened accounts with HSBC. They must have linked the fraudulent account to mine and cos the photo *may* be the same - they think its the same person or whatever. I honestly don't know but like I say, i'll not be going in - for what? To be bombarded with inappropriate questions without due warning?

Hardly likely mr HSBC! :cool:

Innocent_Guy

never-in-doubt wrote: »

Exactly mate - that's what i've thought. I mean, I aint bothered about no fraud investigator - maybe they forget i'm a head of fraud in my job and I investigate more than they probably do on a daily basis

I'd love to see his face though cos i'd turn the tables and start quoting the law to him to see if he knows his stuff - obviously he'd then ask me how I was clued up to which i'd simply reply 'cos i'm a damn good fraudster and know the law' :rotfl::rotfl:

Wind him right up - could be funny....

Would be hillerious

Innocent_Guy

never-in-doubt wrote: »

Nothing mate - but I know my passport was stolen and he opened accounts with HSBC. They must have linked the fraudulent account to mine and cos the photo *may* be the same - they think its the same person or whatever. I honestly don't know but like I say, i'll not be going in - for what? To be bombarded with inappropriate questions without due warning?

Hardly likely mr HSBC! :cool:

I take it the fraudulent account has defaulted?