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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

radfordred

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Everything posted by radfordred

  1. radfordred
    fair play. i wasn't aware of that - i just knew from a job i had 10 yrs ago, the same thing happened to a colleague and it turned out it was inadmissible as it was not declared.! thanks for the feedback...
  2. radfordred
    just so you know, unless you declare you are recording the call you are unable to use this as evidence (only in court). is funny how companies get on their high horse when the shoe is on the other foot.
  3. radfordred
    ha, fair play - we are on the same page then - on this point! i should have been clearer with my comment. sorry for the confusion
  4. radfordred
    sorry, do you mean the bank account, or the customers account with the lender? i mean the customers account with the lender!
  5. radfordred
    as in when you cancel a CPA but then, say in a months time, submit a new DC for the company to take payments from you are saying t hey can;t take a payment - if it's a new card a new CPA comes into play
  6. radfordred
    negative renegade - it is specific to the debit card, not the account.
  7. radfordred
    factual posts are concerning? in what way?
  8. radfordred
    also, just be wary of using these template letters - it's not as if the companies you send them to do not realise where they come from and will just create more problems than they help. while they are good for reference it will not help your specific case
  9. radfordred
    only if the company do not have the facility to go through with the course of action detailed in the letter. if they do, it is not misleading
  10. radfordred
    it's illegal for a company to say a certain course of action will take place unless they actually follow through so if they have said this, it means they will do this and i know for a fact this company do process CCJ and use the CCJ to obtain an AOE. if you've told them you're with a DMC and they keep phoning it will be due to the DMC not contacting them to provide the LOA and offer of repayment etc - chase your DMC up and find out if the offer of repayment has been sent and if so, been accepted or not. companies have to hold your account for 30 days once you inform them you are on a DMP and if they then start chasing again it will be due to the DMC not providing info to them in time - they are more than likely asking you to set a plan up with them direct that's all which is easier, cheaper and FASTER way of getting rid of debt than a DMC, especially one that is free like pay plan as their backlog is huge.
  11. radfordred
    the CPA will last for the life of the card mate, so still do it so it will stop them being able to collect the arrears in any way they see fit - they will hit your card each day until the funds are collected so still cancel the CPA - they should only hit your card for a maximum of 3 declined customer not present transaction per day so ask your bank if they have exceeded these attempts - these are rules set out by Visa and carry a £50,000 fine per card they break this rule for. FCA will soon be changing this to 3 declined transactions for the life of the card
  12. radfordred
    tell wonga and ladder loans to cancel the CPA - unless you actually set up a DD with them they can't get at your a/c unless is a debit card payment so just fire an email telling them you withdraw the CPA and they should remove your DC details right away so this is the safest thing to do.
  13. radfordred
    too right, but when it comes to a point where adults feel harassed over a phone call it's concerning. i find making an arrangement generally stops the phone calls from my experience - telling companies not to ring and then not making an arrangement will only make t hem ring back after a week or so.! i'm not being confrontational, but can see that's what's expected on here - what do you mean i didnt think it through - i dont understand that bit! i have some basis in reality - lol.!! rthanks
  14. radfordred
    lol.!! pots and kettles then! just because advice is not what you are used to hearing doesn't make it wrong! read oft's guidance on debt collection, do control and F to find messages and misleading - the guidance is open to interpretation, but it does mean companies can leave messages on our machines if they think it is a personal machine, as in, if we submit the number as our home phone - once you tell them it's shared they should stop - it's also a grey area too as they also state companies are not allowed to mislead, so they HAVE to provide their company name on messages. by rights, what you're saying would also apply to texts / emails and post too as who is to say who is reading them.
  15. radfordred
    the oft and DPA guidelines state companies are allowed to leave msgs on home and mobile numbers - it's work phones that are not allowed to have personal messages on it. if you dont want messages left on a shared voicemail, don't provide it on your application is the simplest way - the info and advice above is massively incorrect and wrong and trying to take the moral highground and suggesting a license may be revoked due to an answerphone msg is way off the mark.

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