Thanks for your reply Martin No they never mentioned they would be sending the mandate but did say i wanted to see it i will request this tomorrow does it have to be signed?? Just very odd how information they claim to be lost then suddenly appears so most certainly want to see this, his observation was it has your name on it???? As for insurance company never heard of me and cant find any record of me. They said they couldn't do anymore in relation to anything else as breach of DPA. Take it up with your bank. A fraud team that does not deal with direct debit fraud?? that was funny i must get that clip uploaded on here I think a sar would be a good road to go down as for experian i will ring them tomorrow as credit expert member now they should at least help me get to the bottom of this (I Hope) i did ask them also to record this as a complaint and hope they have done it as they will be receiving a copy of the 3 hour call with an explanation to way there staff has acted and given such feble excuses when trying to raise a fraud complaint with them.

Hi Caggers Hope your all well, I have a problem with nationwide which i need ur advice. I recently joined credit expert from experian and looked at a copy of my credit file on inspection i noticed a default from nationwide which as far as i was aware my account had a zero balance and didnt use it again this was back in 2007 and i moved address not long after but after ringing nationwide to get to the bottom of this i had to make a complaint in the end as nationwide said the amount i owed related to unpaid direct debits and bank charges, so i received a letter in relation to my complaint stating that there was nothing they could do tough luck basically no proper explanation. I received out the blue in the post by special delivery all my bank statements going back to 2005 so i went through them to find a car insurance company was attempting to take money from my account to which was odd as i dont drive or have a license. So today i rang nationwide 3 long hours i was on the phone to them. I asked them to explain why there was over 15+ direct debits been returned from this company and why they have charged me 30 quid for each one. The agent advised me she would raise an indemnity claim so put me on hold as she needed to go through to another department to get authorization numbers and get them to check the direct debit mandate details after a long time she returned to advise me she is unable to do the indemnity as she couldnt get any information relating to the mandate also she advised that her system is only bringing up info after Jan 2008 and these incidents were in 2007 which i found odd as they sent me all statements back from 2005 explained this to her who confirmed she could see from notes that these were sent out but she explained all we do is press a button and another department send them out after asking why she could not request these from this department her excuse was she didnt know who they were. I then asked her that somebody must know in her call center of who deals with this her reply was again we just press a button. At this point i asked to speak with her manager to which after waiting on hold for ages i get a supervisor who was going to take a another complaint from me so asked me to run past him what happened so i explained to which he said was basically fraud and would report this to the fraud team to get to the bottom of this so again waiting on hold for ages he came back to explain he has had problems with fraud trying to get them to investigate this explaining to me that there fraud team dont deal with direct debit fraud I found this very odd as before he put me on hold he assured me there fraud team would look in to this and would adjust the account accordingly and he was ment to be a supervisor and know his stuff All of a sudden he said he found the mandate and it had my name on it which i also found odd as this couldn't be found is it ment to be signed or anything??? as if so i want a copy of this. The supervisor said he would have to refer this to this manager to deal with and would ring me at 4.30pm but didnt. This is clearly fraud which they cant be bothered to investigate as its been long time 2007 but i am now getting since making my first complaint to them letters and calls from company called lowell and my credit file still has a default and the bottom line is nationwide aint interested. I know i can take this to financial ombudsman to investigate but what other things can i do to get nationwide to take this serious. Best thing of all the call was recorded by me to use in any denial. Any Advice would be appreciated, Thank You Craig

How about blackwood, south wales very nice little valley town

Hi, They will give you the bull that they wont take part payment just so they can then go and add another late payment on top, this happened to me last year 25p short and they stood there ground on it and stung me. Can try but be prepared, all the best Craig

Harrasment indeed!! I had the same happen to me real bad harrasment even the Police were called. I gathered good evidence and before you know it i recieved these letters from brighthouse wiping thousands of pounds from my account with them, Only had my account less than a few months!!! Add insult to injury i also got them to replace the laptop charger to which i was given the wrong one and it blew up So they decided instead of getting me a brand new one from there stock of thousands they went to argos and got me the same make and model. This has probably been said a million times over record everything from calls inbound/outbound to visits can make life easier in the long run when these moraless alley cats start denying things. :? Regards Craig

If anyone is a member of the facebook group the BBC have left a message for all members on the wall I urge you to relay your experiences to them and have sent 270 messages to all members who have joined to let them know, Regards Craig

Spot on Wheelergeezer I blame BAYV as they must turn a blind eye somewhere along the line its Targets, Targets, Targets and its been previously mentioned before there do what it takes to reach them even if this means failing to mention added service cover, adjusting documentation, falsely representing them selves the list goes on & on. I had an intresting conversation with a BAYV customer today over a cup of tea thats been with you 8 Years and experiencing harrasment and threats and i have been asked to get involved. Its all about building a strong case where there can be no defense of being a one-off, I aim to collect this evidence to bring a complaint to trading standards even if it means using hi-tech audio and video equipment to achieve my objective. The last rent to buy company that under estimated me it cost them dearly, Yes we are talking about your not so friendly weekly payment store Dont get mad guys get even, Companys like BAYV,Brighthouse are just school boy bullys once you stand up to them they soon back down. If possible i recommend getting audio recording equipment does not have to be very expensive very cheap on ebay or if you want recording equipment to rig up to your phone line there are afew to choose from can set you back afew bob but well worth the money, Record everything visits,phonecalls inbound and outbound. Most Importantly be patient if it takes months to achieve the results you want then just remember it would be well worth the wait in the end. As i have been writing this another BAYV customer wanting me to help as they have been mis-sold @BAYV can you please send somebody out as your box has malfunctioned for the second time in less than aweek clearly not acceptable, Your agent said before that you have had nothing but problems with these new boxes can you confirm if this is the case??? Regards Craig

BAYV Still waiting your reply on why its acceptable for your agent to use foul language in my home in front of my children. This is no isolated incidents BAYV which i will soon prove. BAYV seem to have the morals and loyalty of an alley cat and my partner would like to thank you for ripping her off not so long ago of £500 to which you just clam up when questioned over this. Can you please confirm if all your calls are recorded?? Regards Craig

Sorry to hear of the trouble yout having with this ebay seller it seems he just wants to extract money from you with intimidation. Why not contact a solicitor as if i am right some law firms offer free first appointment to which you will know where you stand or at least have a good idea where you stand. Hope you get this sorted. Craig

Thanks Lefty Thought you had done a remove of my posts lol Craig

Update Thank you Buy as you view for your concerns in relation to my personal information to which i do not know where your coming from, I have taken this onboard. Yesterday after ringing you back i spoke with jeff who was regional manager after being promised he would ring back after locating the credit agreement he didnt it was left to the original sales guy who i spoke with to arrange it all. He clearly admitted not mentioning the cover and was sorry but when i told him the call was recorded the mood changed to denial!! I then had jeff turn up on my doorstep wanting to sort things out which i invited him in and we got down to the mis-selling he agreed it was mis-sold and promised to take action and canceled the agreement in relation to the service cover. If i have to believe what BAYV were saying or trying to justify then it seems the cover was added behind my back and two seperate people failed to mention this why??? There was Another matter which i wanted to give BAYV the opputunity to comment first on to which i took jeff to my kitchen where my computer equipment is located and played him a clip of a BAYV rep using foul language in front of my children and would not play the most foul and vulger bits due to my children being present. BAYV curiosity killed the cat as we know so when Jeff seen the folder i was playing from he obviously noticed a whole folder of other things to which i aint going to deny its other customers of yours where evidence have been collected to which i explained this was for another day as things are still on-going. the embarrassment on jeffs face was totally obvious and quickly wrote down his personal number to conatct him directly with concerns of other people i did explain that this will be publicly aired before being discussed with BAYV. Some of the actions you have done is nothing short of illegal and will be scraping the surface of this with caerphilly trading standards along with showing them hard factual proof. I have noticed one major problem BAYV have and 99% of decent reputable companies will have this in place but you dont, very odd either your arrogant to 21st century business or you want to delibratly rip off and mis-led your customers, I am willing to discuss this only with a senior director. Sorry BAYV can you please explain this quote: "Optional service cover is exactly what is says...optional. There are a number of benefits for you if you take it and it is considerably better and cheaper than the company you have mentioned" Where have i put i will be seeking other cover from anybody else?? Its alarming to know that BAYV staff know nothing about the sales of goods act three seperate peolple had no clue about this last weekend so how can you say your staff are trained in this area???? On a positive note note BAYV have come here to take part in discussions which i respect you for that many other companies wouldnt entertain so maybe you do want to rid the bad apples but as i have said to jeff today evidence points to many bad apples not just a handful, Is this the way they are being trained or just staff taking this on there own back to meet there targets regardless of company policy????? I will Keep you all informed of the outcome of this latest issuse and will assure you i will be back with others who have had about enought of BAYV and there bully boy tactics. I will still continue to go covert on this matter with others and please watch this space for further developments. BAYV i expect your responce today as promised on other matters. Here is a sample clip played to regional manager http://www.zshare.net/audio/79427423ac6f8e8d/] All the best Craig PS: I have now go to the bottom of the U.V.G that was added to the account it is some sort of viewing guarantee that is not Optional but it would of been nice to have been told there was a charge for this not make out this was part of the price i was paying?? How come your employees have no idea of this cover and what its for????

there my signatures but i never asked for the cover, I should in hindsight of sent the agent away till i got my replacement glasses but i was assured that there will be no optional service cover. Whats wrong with these people surely he wold of known i would cotton on in the end but as i see alot of people saying there famous quote you have signed it "Tough Luck" as you can see from the agreement the figures have been re-done to add all these extras i didnt want, asked 3 employees over the phone from buy as you view what U.V.G is as i am paying £78.00 for it but got a blank, Maybe there area manager can explain this tommorow. Craig

I have been shafted by B.A.Y.V Last Week. The Agent turned up to fill out the paperwork, I specifically told him i did not want to take any service cover as i have been burnt by brighthouse in the past and didnt want to go down that road. I could not find my glasses as the writing was small and couldnt see well, The agent explained i was signing to agree to the payment only for my fridge so i trusted him stupid of me. I have now noticed that i have service cover and something called U.V.G which the forms have been altered from printed style to handwritten and the tick boxes against the service cover was done in blue ink to which i signed in black??? so why has these optional boxes been signed by the agent??? i will tell you why he knew i couldnt see the form well. I have uploaded my credit agreement with B.A.Y.V for all to see Click on Image to view: