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
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
Same as me last night, to reliable collections, they changed my agreement without prior consent, levied on £12 charge for late payment and insisted I Pay. So, opened folder with details on what to say from this and other forums, quoted cca etc...and said it was illegal for me to record the conversation! Umm, no it isnt, then hung up....i did smile....
We have many excellent members who's communication skills are now unsurpassed thanks to CAG
Perhaps we should start our very own call centre (premium rate of course) to which we can refer all DCA's & OC's wanting to talk to us - I doubt recruitment would be a problem
Of course we will need to ask very lengthy security questions & leave them on hold while they listen to crappy musak or better still play them the soundtrack to The Sting
Just had a thought - one of the 'security' question will have to be
"do you have a father & do you know him" followed by "do you have a mother & do you know her" & so on
& when they say "what the hell has that got to do with you"
You say "well the last time someone from your company phoned they were a little bar steward & I was checking to see if you are the same person"
Just another quickie before I go, BCW called my fiance's mum and asked her where her daugher lived and a contact number...is this a breach of data protection as some debts are crawling out of the woodwork on a previous address for utilities..I want proof that she does owe this money, I also have played hardball on her behalf and BCW are absolute G**ts to deal with...have an appt with cccs on friday about this and others...
i had Lowell ring me today and when i asked where my CCA agreement was he hung up too, must be the bad news they have recieved from the OFT today !!!
Lloyds TSB (SARS) request sent 9th June 2006
£2191 Moneyclaim Issued 11/08/2006, Acknowleded 17th August Defence 14 Sep, AQ returned 5/10/2006.SETTLED IN FULL £2,670 26/11/2006/ Lloyds Credit Card SETTLED IN FULL £267 MBNA SETTLED IN FULL 15/09/2006 £829 Citicard (SARS) request sent 22nd June 2006 Moneyclaim issued 19th Sep, Defence and AQ received 5/10/2006, AQ returned 5/10/2006, part refund received 10/10/2006
GE MONEY SETTLLED IN FULL £400
Barclaycard Me and Mrs SARS sent 19/10/2006 settled £350
Welcome Finance PPI 2 accounts one settled £1018 waiting on other
GE Money PPI 1 account settled 8/5/2008 £560 2nd account SETTLED IN FULL £3,599.78p 15thAugust 2008
Lloyds TSB PPI CC complaint sent 10/04/2008
Black Horse PPI with FOS 20/05/2008
HFC PPI complaint sent 22/05/2008
Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.
Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.
It's not a proper link. It was meant to be a joke because I got the DCA to hang up on me.
That darn sense of humour of mine!
Sorry... my apologies.. My sense of humour is usually pretty keen.. Very bad night trying to work out what to say to Barclaycard and Mercers and I missed the pun. Now................ of course I get it..
1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -HERE
2: Take back control of your finances -Debt Diaries
3: Feel Bullied by Creditors or Debt Collectors?Read Here
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
Blair olly & scotty hung up on me!
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Every thought of getting a job in a call centre ? 
Originally Posted by citizenB
