consumer forums consumerforums Total Bank Charges Returned : £16595128 to 9717 people. The Consumer Forums  
Bank Charges Refunds Survey | 'Buddy' System | Get an email address | Site Map | Registration Problems | FAQ
CAG Products - We think that these will help you to make your claim or Reclaim your Right

These sales also help us to keep helping YOU and keeps this site free of third party adverts!

Small Claims Kit-- Small Claims Court Guide
**New Edition**
CallBurner - Skype
CallRecorder Review
Last Will & Testament Kit Fight a Motoring Ticket
 
Alternatively you could purchase a CAG email address here, or maybe you'd prefer our address labels here


UPDATE: Consumer Forums ConsumerWiki is now LIVE - click here: ConsumerWiki


Consumer Action Group envelope labels
You are part of a community of over 195,000 people.
Let your bank know that you won't give in.
Display one of our labels on your envelopes.
Full description here
Sheet of 20 self-adhesive envelope labels
£3.50 inc p&p





Reclaim the Right!
The Lawpack Small Claims Kit contains everything you need to get your bank charges refund. Sample forms, Instruction manual, template forms and an entire set of court forms in .PDF format on CDRom.

Just type in the details of your claim and print them out.


Reclaim the Right!


Sue your bank as often as you like with one Lawpack!!

With a Lawpack and Patricia Pearl’s book on Small Claims, you have everything you need to get your unfair bank charges refunded or assert other consumer rights.
(England & Wales only)

CAG Forum Users Price £11.99
(click image to buy)
Plus £1 P&P



Reclaim the Right!


New Edition
Small Claims Procedure by Judge Patricia Pearl
An excellent guide for the layperson
Not for use in Scotland
Read BF's Review Here




Stand up to Telephone Harassment

If you use Skype -
Record your phone calls with CallBurner
It's Hot!

Click below to download your
14 day trial copy
CallBurner
Skype CallRecorder download


Read the
Explanation and review here
£31.96 - includes 20% CAG discount
(normally £39.95)

We've managed to negotiate a discount for CAG Users on DIY 'Willpacks'


Click on the image to purchase a Wills kit - £12.99 + £1.00 pp

Remember...you can't take your reclaimed bank charges with you ;-)



The new Consumer Directory
search the web, shop online, looking for gift ideas?
Reclaim the Right Ltd. - reg.05783665 in the UK
reg. office:- 923 Finchley Road London NW11 7PE
The new Consumer Directory
search the web, shop online, looking for gift ideas?

  CAG Announcements
 
Welcome Guest
Please register
Registration is free
There are no charges for using any of the facilities of this website.
If this is your first visit, be sure to check out the FAQ. You will have to register before you can post. To start viewing messages, select the forum that you want to visit from the selection below.
You will also have to register to access our template letters and claims forms
registration is free
Are you being threatened over debts more than 6 years old?
This may be unfair
See our new Unfair Trading Guide
Bought an extended warranty?
Not satisfied?
The warranty may be an example of unfair trading
See our new Unfair Trading Guide
Have you been defaulted?
Would you like to clean up your credit file?
Check it out
Hold the Front Page!!
News updates
The Consumer Forums front page
Have you been defaulted?
Would you like to clean up your credit file?
Check it out
 
Bank Action Group Debt Action Group
 

Go Back   The Consumer Forums > The Consumer Forums
Debt Action Group > Debt Collection Industry

Debt Collection Industry Advice on how to deal with debt collectors.
Are you receiving distressing phone calls? Are you recording them? Why not?


Welcome to The Consumer Action Group

and
The Bank Action Group


Before beginning to claim your bank charges be sure to read the FAQ by clicking the link above. Read it carefully and also read as much of the forum material as you can manage before you start claiming your bank charges refund. You will have to register before you can post or view the materials which may assist you in reclaiming your penalty charges: click the register link above to proceed. To start viewing messages, select the forum that you want to visit from the selection below. Understand what you are doing and you will be able to Reclaim the Right more effectively.

Why don't you come and introduce yourself in the Welcome section at the top of the forum. Then have a look around the rest of it.
Do not post or start claiming until you have read the entire FAQ section and step by step guides and you have a good basic idea of what to do and of the layout of the forum.
Good luck claiming your bank charges.
We strongly suggest that you register under a UserID and not your own name

Reply
 
LinkBack Thread Tools
Old 5th November 2008, 14:12   #1 (permalink)
steven4064
Site Team
 
steven4064's Avatar
 


I am in: Lancashire
Posts: 9,829
steven4064 Authoritativesteven4064 Authoritativesteven4064 Authoritativesteven4064 Authoritativesteven4064 Authoritativesteven4064 Authoritativesteven4064 Authoritativesteven4064 Authoritativesteven4064 Authoritativesteven4064 Authoritativesteven4064 Authoritative
Default Recording telephone calls

If you are being harassed by a DCA, it is iportant to gather evidence so that you can make them stop. Keeping detailed records is important but, even better, is to record their calls.

There are loads of different devices available for doing this and I have reviewed a selection. You can see the reviews here.

The best is trueCall which has the incredible feature that it records the entire call even if you press the record button in the middle of the call.

In the UK it is quite legal to record calls or your own private use without telling the caller you are doing it.
__________________
Steven

Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial

Do you want to know if a credit agreement is enforceable? See Consumer Credit Agreements

My Claims

GE Money Won unconditionally May 2007
NatWest Claim 1
Won unconditionally August 2007
NatWest Claim 2 Statements received - on hold
NatWest Claim 3
LBA sent - on hold
Brighthouse Won unconditionally August 2007
Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)
Next Catalogue - Statements recieved
Clydesdale Financial Services Won unconditionally February 2008

Any opinions are without prejudice & without liability. Almost everything I know concerning the law I learned from this site.

You can e-mail me at steven4064 at consumeractiongroup.co.uk . However, please note, I will not give advice by PM or e-mail. Please
send a link
to your thread and I will do my best to answer there.
steven4064 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 5th November 2008, 14:25   #2 (permalink)
ScabHunter
Platinum Account Customer
 
ScabHunter's Avatar
 


I am in: a rather angry mood
Posts: 1,066
ScabHunter Highly informativeScabHunter Highly informativeScabHunter Highly informativeScabHunter Highly informativeScabHunter Highly informativeScabHunter Highly informativeScabHunter Highly informativeScabHunter Highly informative
Default Re: Recording telephone calls

Excellent.

Last month I made a post on BankFodder's thread asking why on Earth no-one had come up with a hardware or software product which would allow you to screen telephone calls.

Telephone harassment - an action plan

Now, it is as if someone has read my post and produced exactly the product I was asking for. No, trueCall is not cheap, but if you add up what you save by not having to buy Choose To Refuse and Anonymous Call Reject, it will pay for itself in time in most cases. If you are a heavy telephone user, this is an absolutely essential piece of hardware.

Thanks Steven for bringing it to our attention.

SH
__________________
All opinions of ScabHunter are given in good faith and believed to be accurate. Please note, however, that I have no formal training in law, finance or any related field, and that therefore no guarantees are intended or implied

If I have helped, please feel free to tip the old scales!
ScabHunter is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 5th November 2008, 15:49   #3 (permalink)
steven4064
Site Team
 
steven4064's Avatar
 


I am in: Lancashire
Posts: 9,829
steven4064 Authoritativesteven4064 Authoritativesteven4064 Authoritativesteven4064 Authoritativesteven4064 Authoritativesteven4064 Authoritativesteven4064 Authoritativesteven4064 Authoritativesteven4064 Authoritativesteven4064 Authoritativesteven4064 Authoritative
Default Re: Recording telephone calls

It also has other options I have not tried - anonymous call reject (screens out all calls with withheld numbers), nighshield (stops silent calls at night 11pm - 7am), personal shield (allows friends to press '5' to get through, tells everyone else to get lost), screen all unrecognised callers (only allows callers on a list to get through, everyone else goes to answer machine)
__________________
Steven

Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial

Do you want to know if a credit agreement is enforceable? See Consumer Credit Agreements

My Claims

GE Money Won unconditionally May 2007
NatWest Claim 1
Won unconditionally August 2007
NatWest Claim 2 Statements received - on hold
NatWest Claim 3
LBA sent - on hold
Brighthouse Won unconditionally August 2007
Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)
Next Catalogue - Statements recieved
Clydesdale Financial Services Won unconditionally February 2008

Any opinions are without prejudice & without liability. Almost everything I know concerning the law I learned from this site.

You can e-mail me at steven4064 at consumeractiongroup.co.uk . However, please note, I will not give advice by PM or e-mail. Please
send a link
to your thread and I will do my best to answer there.
steven4064 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 5th November 2008, 17:57   #4 (permalink)
DCA-KING
Gold Account Customer
Default Re: Recording telephone calls

Hi Steven you say(In the UK it is quite legal to record calls or your own private use without telling the caller you are doing it.) do you have any more info or a link on this would love this in black and white
regards DK
DCA-KING is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 5th November 2008, 18:11   #5 (permalink)
Bookworm
Platinum Account Customer
 
Bookworm's Avatar
 


I am in: spired.
Posts: 19,680
Bookworm AuthoritativeBookworm AuthoritativeBookworm AuthoritativeBookworm AuthoritativeBookworm AuthoritativeBookworm AuthoritativeBookworm AuthoritativeBookworm AuthoritativeBookworm AuthoritativeBookworm AuthoritativeBookworm Authoritative
Default Re: Recording telephone calls

Oftel - faqs

Quote:
Can I record telephone conversations on my home phone?

Yes. The relevant law, RIPA, does not prohibit individuals from recording their own communications provided that the recording is for their own use. Recording or monitoring are only prohibited where some of the contents of the communication - which can be a phone conversation or an e-mail - are made available to a third party, ie someone who was neither the caller or sender nor the intended recipient of the original communication. For further information see the Home Office website where RIPA is posted.

Do I have to let people know that I intend to record their telephone conversations with me?

No, provided you are not intending to make the contents of the communication available to a third party. If you are you will need the consent of the person you are recording.
Bookworm is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 5th November 2008, 18:30   #6 (permalink)
ScabHunter
Platinum Account Customer
 
ScabHunter's Avatar
 


I am in: a rather angry mood
Posts: 1,066
ScabHunter Highly informativeScabHunter Highly informativeScabHunter Highly informativeScabHunter Highly informativeScabHunter Highly informativeScabHunter Highly informativeScabHunter Highly informativeScabHunter Highly informative
Default Re: Recording telephone calls

That is the big problem.

You can record these calls but can you use them as evidence?

If a DCA writes something unlawful in a letter, unless that letter has "Without Prejudice" on it, it can be shown in court.

If these telephone calls are not admissible as evidence, then they are no use anyway.

Also, what about the people who are recording telephone calls and uploading them to YouTube? Are they not just storing up potential problems for themselves by making calls available to third parties without the caller's permission?

SH
ScabHunter is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 5th November 2008, 18:55   #7 (permalink)
rory32
Platinum Account Customer
 
rory32's Avatar
 


I am in: Scotland
Posts: 12,835
rory32 Authoritativerory32 Authoritativerory32 Authoritativerory32 Authoritativerory32 Authoritativerory32 Authoritativerory32 Authoritativerory32 Authoritativerory32 Authoritativerory32 Authoritativerory32 Authoritative
Default Re: Recording telephone calls

Quote:
If a DCA writes something unlawful in a letter, unless that letter has "Without Prejudice" on it, it can be shown in court.
Without prejudice does not automatically mean that letters can not be shown in court. The letter must fulfill certain criteria for the without prejudice rule to be applied.

Quote:
No, provided you are not intending to make the contents of the communication available to a third party.
This then falls under the criteria of what exactly is meant by a third party.

Quote:
The best is trueCall which has the incredible feature that it records the entire call even if you press the record button in the middle of the call.
While I'm sure it is great, most people who are being harassed over their debts don't have a spare 125 quid kicking about.
rory32 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 5th November 2008, 18:58   #8 (permalink)
steven4064
Site Team
 
steven4064's Avatar
 


I am in: Lancashire
Posts: 9,829
steven4064 Authoritativesteven4064 Authoritativesteven4064 Authoritativesteven4064 Authoritativesteven4064 Authoritativesteven4064 Authoritativesteven4064 Authoritativesteven4064 Authoritativesteven4064 Authoritativesteven4064 Authoritativesteven4064 Authoritative
Default Re: Recording telephone calls

I don't theink 'third parties' includes use as evidence.

The relevant laws are:

Telecommunications (Data Protection and Privacy) Regulations 1999
Telecommunications (Lawfu; Business Practice - INterception of Communications) Regulations 2000
Regulation of Investigatory Powers Act 2000
Human Rights Act 1998

You can read them all on the INternet
__________________
Steven

Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial

Do you want to know if a credit agreement is enforceable? See Consumer Credit Agreements

My Claims

GE Money Won unconditionally May 2007
NatWest Claim 1
Won unconditionally August 2007
NatWest Claim 2 Statements received - on hold
NatWest Claim 3
LBA sent - on hold
Brighthouse Won unconditionally August 2007
Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)
Next Catalogue - Statements recieved
Clydesdale Financial Services Won unconditionally February 2008

Any opinions are without prejudice & without liability. Almost everything I know concerning the law I learned from this site.

You can e-mail me at steven4064 at consumeractiongroup.co.uk . However, please note, I will not give advice by PM or e-mail. Please
send a link
to your thread and I will do my best to answer there.
steven4064 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 5th November 2008, 19:02   #9 (permalink)
rory32
Platinum Account Customer
 
rory32's Avatar
 


I am in: Scotland
Posts: 12,835
rory32 Authoritativerory32 Authoritativerory32 Authoritativerory32 Authoritativerory32 Authoritativerory32 Authoritativerory32 Authoritativerory32 Authoritativerory32 Authoritativerory32 Authoritativerory32 Authoritative
Default Re: Recording telephone calls

Quote:
I don't theink 'third parties' includes use as evidence.
I'm quite sure it doesn't Steven - that's why I raised the point. I am quite sure that what is meant by third parties usually falls under the scope of other people within the organisation and for training purposes or as a private individual distributing the material to others.
rory32 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 5th November 2008, 19:06   #10 (permalink)
steven4064
Site Team
 
steven4064's Avatar
 


I am in: Lancashire
Posts: 9,829
steven4064 Authoritativesteven4064 Authoritativesteven4064 Authoritativesteven4064 Authoritativesteven4064 Authoritativesteven4064 Authoritativesteven4064 Authoritativesteven4064 Authoritativesteven4064 Authoritativesteven4064 Authoritativesteven4064 Authoritative
Default Re: Recording telephone calls

Quote:
Originally Posted by rory32 View Post
While I'm sure it is great, most people who are being harassed over their debts don't have a spare 125 quid kicking about.
I agree although the record only version will be cheaper - I'm trying to find out how much
__________________
Steven

Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial

Do you want to know if a credit agreement is enforceable? See Consumer Credit Agreements

My Claims

GE Money Won unconditionally May 2007
NatWest Claim 1
Won unconditionally August 2007
NatWest Claim 2 Statements received - on hold
NatWest Claim 3
LBA sent - on hold
Brighthouse Won unconditionally August 2007
Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)
Next Catalogue - Statements recieved
Clydesdale Financial Services Won unconditionally February 2008

Any opinions are without prejudice & without liability. Almost everything I know concerning the law I learned from this site.

You can e-mail me at steven4064 at consumeractiongroup.co.uk . However, please note, I will not give advice by PM or e-mail. Please
send a link
to your thread and I will do my best to answer there.
steven4064 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 5th November 2008, 19:11   #11 (permalink)
rory32
Platinum Account Customer
 
rory32's Avatar
 


I am in: Scotland
Posts: 12,835
rory32 Authoritativerory32 Authoritativerory32 Authoritativerory32 Authoritativerory32 Authoritativerory32 Authoritativerory32 Authoritativerory32 Authoritativerory32 Authoritativerory32 Authoritativerory32 Authoritative
Default Re: Recording telephone calls

Good stuff
rory32 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 5th November 2008, 22:19   #12 (permalink)
Bookworm
Platinum Account Customer
 
Bookworm's Avatar
 


I am in: spired.
Posts: 19,680
Bookworm AuthoritativeBookworm AuthoritativeBookworm AuthoritativeBookworm AuthoritativeBookworm AuthoritativeBookworm AuthoritativeBookworm AuthoritativeBookworm AuthoritativeBookworm AuthoritativeBookworm AuthoritativeBookworm Authoritative
Default Re: Recording telephone calls

In any case, the best thing to do of you want to enter a phone recording as evidence is to actually make a transcript of it and have the tape/recording ready to play with you at hearing. IF the judge wants to hear it then he can ask for it and/or if the other side says the transcript is not accurate then the judge can ask for it to get played to check.
Bookworm is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 6th November 2008, 00:05   #