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  1. Thanks IMS - That clears it up nicely - I only mentioned specialist being that it was involved with bankruptcy, thought it needed a certain type of solicitor. I definately agree re. claims companies, would never use them! I will pass the info onto my father and see what he wants to do, he might want to go for it and claim back, on the other hand he might want to put his feet up relax and forget it. If you do have any links to the info you were reading about on the subject then it would be handy to see. Cheers Rich.
  2. Thanks ims that sounds great - what would be the best course of action - do it ourselves the normal way as with any normal PPI claim or would it be best to go through a specialist?
  3. Everything was included in the bankruptcy, and got wiped off because there was no assets (father lives in council property) so basically the total defaults etc on all the cards were all put in the bankruptcy and written off. Therefore nothing was owed afterwards. My point is, the PPI was quite high on some of these loans/cards (even through lloyds TSB) so if he wasnt mis-sold the PPI his finances may have been far more manageable.
  4. Hi everyone, Bit of a different one this, but looking to see what should be done. My father declared himself bankrupt a few years ago, and having no assets or anything was discharged with nothing to pay. However before his bankruptcy, he had credit cards, store cards, loans etc all with PPI on them. He felt he was mis-sold the PPI. Now heres the twist... He feels that because he was mis-sold the PPI he was then unable to keep up the repayments, which eventually lead to his bankruptcy. Had he not been paying this PPI then he might not have had to go bankrupt. Went and saw citizens advice today, they were useless.... So im suggesting should he go see a solicitor or is there a helpline he could call who could make the arrangements. He is on very low income and now retired so wouldnt be able to afford solicitors fees etc. Any info would be much appreciated, Many thanks, Rich.
  5. Heres an interesting one, I have purchased a lighting effect curtain for disco use, It was bought from ebay (business seller with good track record) - It lets you program the display from your computer and save the graphics to an SD card supplied with the product. After purchasing I was told that normal SD cards would not work, and i would have to buy the SD cards through the supplier. I was completely unaware of this beforehand and it did not mention it on the auction site. Now I think this is unfair because an SD card is assumed to be a generic item, and im awaiting on a price for SD cards from the supplier, im hoping they arent stupidly over-priced compared to normal ones (only need to be 1GB) I am waiting for delivery of the product, they said its been despatched today but im wondering... Is there a law against this, selling a product then later saying 'oh normal memory cards wont work you have to use ours for £stupid' If the cards are over priced then I will be using the distance selling regs to obtain a refund as I dont think this should be allowed. If anyone can shed some light on the legalities (im thinking unfair terms contracts act but not sure) then that would be much appreciated! Many thanks.
  6. Just thought I would share this one with you... I work from home (self employed) and in April I changed from o2 broadband to BT (business) as they were advertising 20 meg, option 2 for £20/month plus vat. Being unlimited etc I thought thats the one to go for so I phoned their sales team, confirmed what I wanted was the unlimited 20 meg connection and that was that. Gave them MAC key from o2 not a problem. Anyway a few days after I got the email saying I had option 1 for the £20/month which is not the unlimited one... so I phoned them, managed to get through and they were 'yes its option 2 you should have had' - then... got a 3 month bill for £30/month plus VAT. Imagine the fun I have had ever since trying to tell them they quoted me £20/month for option 2 - only to be told 'oh no youre in a different exchange area we cant do that' - Sounds like a tactic to me, where the salesperson says one thing then you cant prove it. I carried on paying what I was quoted, 20+vat/month whilst their computers were adding up the arrears. When I started receiving 'late payment' bills for the so-called outstanding amount I decided to send a letter of complaint, recorded delivery to the companys registered office. They phoned me (from abroad obviously) and keep telling me to phone the 0800 169 8639 and press option 2 to get to the 'customer options team' - well guess what, that doesnt work lol! Tried to escelate to OTELO with no joy they want more info but I cant give them the info they need, it doesnt exist! Anyway a week or 2 ago I had another bill through for £89 total, with a credit then another amount taken off and the 'outstanding' bought forward - was a normal blue bill so it wasnt overdue as it was a new bill. On monday (13 sep) They cut me off, i thought what the heck phoned up and paid it (the £89). They said I would be back on within 2 hours Well 2 hours passed, nothing, i phoned them only to be told my account has been terminated, I had to order a new service even though I am fully paid up until 31 oct! I am now on a dongle (which I use when mobile) until the new connection becomes active. Oh and to top it all, my 'new' connection estimated speed is 2500kbps... erm no it was four times that before, same router, same premises, same tel no! What do i do now - thinking of waiting for new connection to become active, billing them £40/hour for all the time I have been put on hold etc (£40/hour is my normal hourly rate for the work i do) and charging them £100/day for loss of connection and possible loss of business. Dare I do it, give them 14 days to pay up, then start claim through MCOL because as you can imagine im sooo peed off with them. Let me know what you think, and if i stand a chance through MCOL - any legislation for the amount of stress they cause me not being able to get through to resolve it, being passed from pillar to post etc! Oh and by the way it was me who took paypal to court a few years back and won so im not scared of these big companies, I would do it even just for a laugh.
  7. Hi everyone, I went to start a new business venture but am currently having doubts regarding the premises I wanted to move into. (long story) Anyway... I ordered the landline/phone package from BT last week (tuesday) and today the engineer came to fit the phone line. Is there like a standard 14 day cooling off period that has to apply to these packages? Its this one i took out... Unlimited Business Broadband & Phone Line from BT Business Just wanted to know if I was safe to cancel, or even out 'on hold' for a couple of months. Cheers
  8. Ok i know its on a lighter note, but was chatting to a friend about these companies as she was having problems, sorted a few things out and as conversations go, we ended up with a game trying to name companies from A to Z - so I thought i'd dare to come on here and see if we can do this and cheer ourselves up lol! Edit-I think we did have one long ago.But it was out of date quite quickly. I will start with the first three: A = Absolute Debt Recovery B = Buchanon Clark and Wells C = Cabot Financial Your submissions please!...
  9. haha beautiful! yes thats a much easier way of dealing with them lol!
  10. Righty, thought I would post my experience on here as I have had calls from two separate DCA's about different stuff... and both have instantly removed all my numbers from their database as soon as I did this to them. Heres what happens: DCA calls you asks to confirm name, address, DOB etc.. Then they say its about your outstanding account. Here is the response I used :- "I am very aware of this outstanding account however I have chosen to ignore letters you have sent to me due to the fact I have found them to be rather harrasing. I hereby also officially request under section 127 of the communications act 2003, that you do not call me on this or any other number you may have and ask you to remove them off your system as of now. Do you understand me?" They will more than likely comply. If not then repeat "Again, I hereby officially request under section 127 of the communications act 2003, that you do not call me on this or any other number you may have and ask you to remove them off your system as of now." Its very unlikely that you have to repeat it a second time. Its also worth mentioning "I am fully aware of my rights concerning this civil matter, but must warn you that harrasment is a criminal offence" You more than likely will get an apology and wont hear from them again. For me this has worked and i havent heard a thing, not even a letter. The companies were Robinson Way, and BCW. No other company has contacted me but if they do I will be armed I know it means the so-called debt is still outstanding and its upto individuals if they wish to pay them off. Ive been there done that bought T shirt with CCJ's, bailiffs etc (learnt all my rights) and even managed to sue paypal a couple years ago so it doesnt worry me one bit
  11. Crumbs i think someone must have gotten hold of barclays customers debit card details - maybe an inside job!
  12. Yes it is The only companies that I have used online who manually enter card details (rather than through secpay etc) are a couple of DJ/PA/Electronics suppliers Everywhere else online uses a merchant which instantly processes the card. I hardly ever use the card in shops etc only asda and maybe once in a blue moon in a garage but I always cover up when using my PIN and always vigilant for people dropping the card behind counter etc. Looks like its 'cardholder not present' transactions where they have my CVV number (submitted when purchasing online even when details are entered manually)
  13. Just logged into my online banking account today, and saw 3 payments (with todays date) for £25 with "VODAFONE CR CARD T" next to them. Phoned barclays and they immediately cancelled my debit card and are sending me a new one. They also advised me that another £25 has been tried for this morning and will show up on my statement. Sending me the relevant forms/statement copies for me to highlight the transactions to get my money back. Just means i'm a bit short for a few days and without a card. Im very wise to phishing scams etc so I can only imagine its somewhere thats cloned my card (difficult as i have always paid cash at places and kept an eye when using the card, covering pin number) or gotten hold of my card number through a couple of online purchases... no doubt a 'cardholder not present' transaction. Just thought I'd warn everyone that even to keep an eye out for this one.
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