Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
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I am being constantly rung at work by a company called UPI (actually its from a call centre in Asia) about reclaiming bank charges. They claim that you fill out basic information over the phone, and then they will send a pack which you have to sign, and they will claim every charge you have had plus up to 8% interest, because "the Office of Fair Trading and the Courts in England and Wales have passed a law saying the banks can only charge a maximum of £1.00 per charge."
Did everyone realise it was so simple, there's me doing it the hard way.
I offer help and advice in good faith, based on my knowledge and experience. I am NOT a legal or financial expert. There are many CAG members and site team who are better qualified. Please do not make major decisions based on my advice alone.I do not give advice via P.M's. If anyone can correct my mistakes or improve on my advice, please do.
I offer help and advice in good faith, based on my knowledge and experience. I am NOT a legal or financial expert. There are many CAG members and site team who are better qualified. Please do not make major decisions based on my advice alone.I do not give advice via P.M's. If anyone can correct my mistakes or improve on my advice, please do.
Who is or are UPI Ltd and why are they all called Shaun
Another 3 calls today.
And they are allways called Shaun, the latest when asked what his name was, after a long pause he said "Shaun" errr "Fernando", must be a fan of either Formula 1 or ABBA.
I keep getting calls from them as well. They tell me that Lloyds want to refund £450 and I pay £49.99 to get this. I explained that Lloyds owe me £4500 and that I am unwilling to give any card details over the phone and if it is a valid offer then I suggest they put it in writing.
Even I got the call today.. and they had my details right. they got my sort code and account number as well.... checked with my bank and they said they never pass on details to anybody... and they will send me a new card in case the card has been compromised...don't trust this upi people its too good to be true...
Hi, I'm new here, I found this website after doing a search on Mercers who have been harrassing me for the past 2 months, and have just came upon this thread when trying to find out who upi were.
I have just got one of these phonecalls today from them.
I have a debt with Lloyds which is being dealt with by the CAB but lloyds still keep calling me up to 5 times everyday.
So when i answered this call I figured it was something to do with them or mercers! so after she told me she was from UPI and I asked what the phonecall was about she hung up on me! lol!
I'm glad to have found this forum, i'm sure i'll be posting a whole lot from now on!!
I keep getting phone calls from "Kevin" so i gave him false bank details!! I don't trust them one bit, sounds like a edit. Especially when they say they don't need your personnal info and then the next minute they want your card number and 3 digit number of the back of the card!! Which after they tell you theres a charge of £49.99p!!
When i recieve the forms from them, i am going to post them back to UPI with a nasty letter!!
I was trying to explain to "Kevin" that i have never had a bank loan, overdraft, direct debit, been charged for anything from the bank and my account is an student account which there is no interest or tax added or deducted!!
So why would this benefit me??? He wouldn't listen!!!
I am unemployed so i can do without lossing £50 for no reason!!
I have just sent a email complaining about the cold calling and about the caller obtaining our details without telling us about the £49.99p charge first!!
And i got a reply saying, if i send them a email with my name and address, tel number and let them know who i spoke to...then they'll contact the call centre and take off all my info of the data base.
So i suggest if you keep getting cold calls from these people, send a email complaint to enquiries@upiltd.co.uk and they will take your details off their data base or call edit Customer Services : 01792 813115
(threaten to report them to watchdog too...it seems to get a fast reply to your email)...lol
I have also received a number of calls from a centre saying they are the bank in association with UPI. When I sent an email of complaint to enquiries@upiltd.co.uk, this is what they replied with:
Thank you for your e-mail
In order for us to investigate your complaint further, please can you supply us with the following
# The names of the salespeople who contacted you so that we can asertain which call centre rang you
# The dates and times you were called so that we can obtain the voice recordings
# The telephone number(s) on which you were contacted so that they can be removed from the system
Once the complaint has been investigated, we will contact you to inform you of the action we will be taking
Mark Carter
Customer Services
01792 813115
My main concerns are that they already had my card and bank details and just read them back to me and that I am already on TPS so they shouldn't have rung me in the first place.
Have spoken to a woman named Sian from the X-Ray programme in Wales on 03703334334, and she is on their case. Recommend that people ring this number to complain about them.
When the Liberals and Conservatives were in opposition, they both agreed that banks should pay back high bank charges to customers. Nothing seems to have happened since they came into power as a coalition. PPI Insurance has been sorted. Now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE
Keith Penhalagan has made his wife Julie Penhalagan the director of UPI (UK) Limited and kept his own name off the company records. Something to hide, Keith?
Report these people to the police and trading standards.
Keith and Julie's home address is available in the public domain. (It's your legal right to know this because they are company directors - their home address belongs in the public domain).
(By the way, the "pack" they send out is a straight "copy and paste" of the reclaim your bank charges material written by Martin Lewis and available free of charge to anyone on Moneysavingexpert.com).
IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU
I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU
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Maybe they can show some backbone and answer some of these questions ? Just an ounce of professionalism and basic customer service skills means they would answer these people's obvious complaints !!
PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.
IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU
I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU
IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.
Before you decide,consider the users here who have already offered help and support.
Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.
If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.
Who is or are UPI Ltd
, because "the Office of Fair Trading and the Courts in England and Wales have passed a law saying the banks can only charge a maximum of £1.00 per charge."
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