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About welshwizard

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  1. Hi there I bought a Nikon Coolpix L120 digital camera from Argos in January this year and until 4 weeks ago, it worked fine. Whilst on holiday, the button that is pressed to take photos suddenly required far more pressure than before - to the extent that taking a picture became very hit or miss. We took the camera back to Argos and, because we couldn't find the receipt, we have had numerous phone calls to ask for information - date the camera was bought, pick-list number and even my debit card number (which I was very concerned about). Argos staff state that if we can't prove purch
  2. Take great care setting up a payment plan with this lot! They have a habit of charging a £99 administration fee for 'setting up' the payment plan! They did this to me - oh and they added charges in excess of £1,000 as well!
  3. What should I include in a letter? I have taken to include everything in each of my epistles to one DCA. Every time I write to them, I start of with what I wrote in my first letter, then the second letter, then the third letter and so on... One recent submission had a total of 11 letters, notices, requests etc in one single envelope - this will not only ensure that they can't say they don't have information to hand re my earlier requests, but also ensure that I maintain pressure oif their systems by creating my own personal paper mountain in their offices! (I do use recycled paper and is
  4. Could I use this letter to place an account into dispute with a mail order firm - they applied PPI when I was in recipt of IB (so surely this would certainly be misselling), and are still charging interest on everything.
  5. HI I would recommend persevering with this lot. I have recently launched my own war of attrition against this lot by making official complaints (by email) to them telling them that they've phoned me when I've told the to write, using automated diallers which never connect - in breach of OFCOM guidelines, failed to comply fully with lawful requests (Section 10 notice, CCA and SAR), harrassed me, threatened court action (albeit verbally) without an enforceable CCA. Indeed, I am up to complaint number 10 - in a single month! It is now my practice to respond to every phone call with a complai
  6. PMSL I did wonder last year but thought that 'Debt Collection' etc covered this and as they are acting for companies within their own group they would be covered by the credit licenses held by the companies. I guess that this could now be added to the list of misdemeanours in my complaints against them. Surely the 'Debt Counselling' is a conflict of interest with the rest of their activities. Surely the 'Right to trade off-site' means that, whilst they are calling from their premises the fact that the other end of their call is in my home technically means that they are trading off
  7. Quick question: If JD williams contatc me about an alleged account/debt and then Reliable Collections also contact me about the same thing (alternating) would this be covered by this particular Breach - both are Limited Companies and, whilst being part of the same group, are separate corporate identities in as much as being registered at Companies House in both name and at different registered offices (Level Street - JD Williams and Houldsworth Street - Reliable Collections). To me this says clearly that they are not linked apart from being in the same group. (but I am probably wrong). Of
  8. Really? Please tell me more - I need cheering up..... I am in the middle of 8 formal complaints with them not one has been addressed yet and their 20 days to deal with the first couple end on Friday.
  9. It's funny, since I started invoicing them for my time etc, (£148 due from them so far) the calls seem to have stopped
  10. HI Macatac I made my complaint to OFT last week too. I also made a complaint to OFCOM (silent phone calls, abandoned calls, harrassment) and am in the process of cfinishing my complaint to the Information Commissioner's Office too as they didn't supply everything they had on me following my SAR and failed to cease processing my data following my Section 10 notice. I am also waiting for a police officer to ring me back about the harrassment issue. Of course, these complaints make me feel like I'm fighting back but I know that really they all sleep in the same bed and, therefore, will
  11. Having made a complaint to OFT and OFCOM about a DCA (Reliable Collections), I am having niggles that despite the emails telling me that they use information given in their investigations, how can we find out what action they take? So, my question is, can I make a request under the Freedon of Information Act to find out how many complaints oFT and OFCOM ahve received about the named DCA? I believe that the larger the number of complaints, the more concerned I would be that these organisaitons still retain their licences and phone lines. Surely the number of complaints relates directly to
  12. Not reading your mind, just wondering for my own fights.....
  13. Should letters from DCAs have both Company Registration Number and Consumer Credit License number?
  14. I suggest we all use 'QC' in our sigs here... I will start the ball rolling... Welshwizard QC (Quite Content)
  15. They'll probably ignore the invoice just as they have the SAR, CCA and Account in Dispute letters.
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