Finacial Plus, CAN WE STOP THEM,

mensrea01

HI to everyone who has had dealing with this company, thats if you can call it a company.

I have had no end of problems with this company like many who have posted on this forum. Taking money without authority. having that mad sounding un- inteligent scottish woman scream down the phone, so many phone calls form people with different names - derek, toby, tom, scott I am sure it is all the same person. After one of the mad women phone calls I agreed to ring when I got home from work as instructed. When I did a women answered and pass me over to mad scottish woman. (corrie was on the tv in the back ground) after a torrade of abuse saying this was her private home number and how did I get this number etc ect she can certainly swear like a fowl mouth navvy. Anyway since then the harassment has become somewhat illegal. They ring me 10 time in what seems like a minuite. Clear breach of Administration Act as once a company has actually spoken to you that day they have to cease calling you. Again a breach of the above Act as they keep on ringing my place of employment demanding my manager gives them my wage details for an attatchment of earning. When I spoke them them and explained that they need a court order first, the reply i got was no they dont. Yes they do. they rang 20 times in a row and my mangers threatened them with police action. Still not deterred. This person said to me give us what we want and we will stop ringing They are now trying to get my manger to give in. The best bit is that they forced my manager into giving her email details to email my so called credit agreement that I have signed giving them permission to approach my employees as proof that I owe them money. This if it is sent and comes through is a clear breach of The Data Protection Act. I have named this company with all the agencies that I can Trading Standards, Office of Fair Trade, Information Commissioners Office , Financial Ombudsman. Lastly these professional people have warned me that they are coming to my house. All this because I found out what they were doing since last November and changed my visa card so they are unable to collect monies. changed a dd to a standard order. put an alert on my bank account which is only my billing account and my wages do not go in there. So they have no controll , Evidently my experian account shows that I owe £785, to date they have recieved £582.94 but according to financial plus they have never reciceved money out of my bank- Can the biggest bank in the world be wrong. I would not challenge them on this finacial Plus. I know that these people read this site and I am not scared of them. I will stand up and fight. I am asking anyone else to stand against them. They have breached three Acts of Parliament, because of this they need to be stopped. dont let other people suffer like we have.
mensrea01 - P.s its Finacial plus that have the mensrea to commit the actus reus .

f10101

Do you feel better now after typing that

If so it might be better to spend 5 min editing it to include paragraphs, i could hardly read it

MyRubyRed

f10101 wrote: »

Do you feel better now after typing that

If so it might be better to spend 5 min editing it to include paragraphs, i could hardly read it

Agreed. It is very difficult to read and follow your problem

Emmzi

I think the facts are
- took out a loan
- defaulted on it
- you think you have made payments, they think you haven't
- unclear why you have different opinions
- they are phoning you a lot to ask for money

Is that about right?

RobertoMoir

So. Do you want help or just to rant? Your post is a little hard to understand. I've tried to make a few suggestions below based on what I could follow of it.

1) they're harassing you & contacting your employer - have you worked through the formal complaint process in writing for this or have you just phoned them and ranted?

2) You have made payments and they claim not to have received them. Have you *checked* that all the details are correct? There isn't an account reference that needs to go with the SO too or something silly like that?

3) And actually *yes* the biggest bank in the world can be wrong. Everyone makes mistakes. If it were my money going out of my account and disappearing into a Bermuda triangle instead of coming off the bill I was trying to pay I'd certainly double check everything. Maybe you have done so, I hope so, but you don't say so here.

You keep talking about laws they have broken. What have you actually done to assert your rights and resolve the issue?

mensrea01

Emmzi wrote: »

I think the facts are
- took out a loan
- defaulted on it
- you think you have made payments, they think you haven't
- unclear why you have different opinions
- they are phoning you a lot to ask for money

Is that about right?

I have not defaulted, they have payments every month. I am sorry for not typing correct time is limited for me. I dont have a difference of opinion they are using bully tactics. The quote they used is give us what we want or we will not apply your payment to your account. Obviously this was over the telephone.

mensrea01

Yes I do feel better. However, you could call it a rant but when innocent people are going through what I am going through you can imagine.

mensrea01

Yes I do want to help with a bit of a rant. I have already started the ball rolling anything I can do to help others I will. These people disbuted payments made even when they have writting to the bank and requested funds to be re-instated. I have sat in the bank while they have gone through payment history. The only reason they said I paid last time is because I told them I will just send postal orders by recorded delivery.

Emmzi

I reaally dont understtand why the banks are disagreeing.

What des your banksay happened to the money

and what does the lender say

there WILL be a way to trace payments

mensrea01

Hi

I have gone through statements with bank, they have traced payments made and recieved to the Financial Plus company. I also know that the account and sort code number are correct. This is one of the many tactic of this company, basically saying they have not recieved payments eventhough the money has gone out of your account.

You are then told that they can take a debit card payment off you. No way are they ever getting their hands on my personal info again. People who have had dealings with this company will understand. There are quite a few on this forum.

Can I just say that many of the the authorities that I have contacted about finiancial Plus, for example Ombudsman, Consumer credit , consumer council, Trading Standards, actually use this site for information and I was suprised to know that they are already aware of Financial Plus and what they do. In addition they also check other companies as well. I was told that the more people that go to these authorities the more they can do.

Strenght in numbers, There needs to be a better regulation on these companies. Better still for people not to go these these nasty people.

mensrea01

I have checked and while I was on my way to the bank FS rang me 15 times asking me to talk to them. I did inform them that I was speaking to the fraud department. As to ascerting my rights that process has started and I look forward to the Outcome.

The bank sat with me and we went over everything going back to last year. They were witness to the telephone calls ( this would not stand up in court), However the ones on my works phone will as it is recorded. I understand this is not a fast process. However even if my problem is solved I will keep on until something is done about these people.

I am hoping this will go to court, Myself personally I do not want anything but justice done. Believe me I am going to mitagate everthing I can. I could actually go for damages because of certain aspects of behaviour.