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  1. Count me in my complaint will be on its way on Monday. These vultures should be locked up I for one will never stop fighting them I have had them to the FOS three times already and ready to go again. My mental and physical health has deteriorated because of there constant harassment and threats of repossession. Even though i have an arrangement and have never missed a payment they are constantly on my back for more money new arrangements budget sheets and they still charge me £70 a month. It is a disgrace that nothing is done about these bas---ds.
  2. As some of you will know I have put many posts on Cag since 2007 about SPPL/Capstone/ Eurosail/Acenden as I took out a loan with SPPL in 2006. However in 2012 SPPL went into liquidation and my lian was transferred to Eurosail. So you can imagine my suprise when a field agent for Acenden popped a letter through my door from a company called EXCEL asking me to contact them to discuss my proposals to repay the arrears on my loan to southern pacific personal loans as they were acting on their behalf. Now i am confused how can this company be acting on behalf of a company that has gone into liquidation that has no directors. And what the hell has happened to EUROSAIL. Has anyone got any suggestions to what i should do about this thankyou
  3. I think we can all agree then that call centres and automated call answering does not work well for the advisors or the customers. A good example today of how talktalk won't talk. I have an outstanding balance of £37 due on the 22nd of september, these are advance charges for october bill, however they have restricted my service until i pay up for something i haven't used yet, and i can't use because my service is restricted. Therefore i phoned them today to ask why? And get the automated service on all numbers i try which says you have an outstanding amount of £37 your service will be restricted until you pay this amount. To pay press 1 to hear your balance again press 2 if you have finished please hang up not even an option to speak to an advisor. Wtf?? Talk talk refuse to talk me thinks!! And they know there is absolutely swet FA u can do about it so if i wont service i have to pay up no discussion. Like i say there is no wonder people are so agressive these days this has left me very angry and frustrated. So do i calm down or take it out on my children or husband? obvs not but how easy is it for it all to build up and that to happen?
  4. Hi i hope someone can help me with a question regadibg time limits on payment of bills for services like talktalk. I wanted to know how long do you have to pay your bill once the due date has passed before they restrict your services thankyou cher69
  5. Hi i hope you dont think i am ignoring you i just dont have a pc at the moment to enable me to cange the above docs but as soon as i have i will do it thankyou cher69
  6. Totally agree coniff got a bit carried away and did it on my phone which is a nightmare was going to sort iy but my phone died lol will go do it now thanku for reminding me cher69 x
  7. I May sound like an old grump but I think that technology is to blame and companies thinking they could save money by opening these call centres and to save even more money by opening them in other countries were people work for less wages like in india have really back fired on them. I know for a fact from experience workinv in a BT call centre that the advisors dont get trained properly. I got two weeks training and a manual to look things up and you were expected to find your own answers not ask the team leader every five minutes also you had targets to reach so you were supposed to answer the call correctly and efficiently and enter all info on computer as you spoke to the customer (paperless office) no pens nightmare! so the next advisor could see the history. But it never worked that way. I woild get so frustrated at other advisors either fobbing people off or cutting them off becauae they didnt know the answers. Then i would get the customer screaming at me and me having to waste time trying to calm them taking all the details again because the previous advisor had not logged the conversation therefore and you had no idea which advisor they had spoken to sort their problem. All this was just frustrating and annoying for the customer and the same for the advisors who did try to help the customers.The worst part was that advisors like me and a few others were the exception to the rule. (Not everyone took the BT provisioning manual home with them for a bit of bedtime reading lol!)But you didnt get any thanks for it all they were bothered about was the speed in which you dealt with the call. NOT how well you dealt with the customers problem. I don't know if things have changed that was a few years ago now but to be honest from what i have experienced i dont think they have in fact i think its got worse. I dont think advisors are encouraged to use their own initiative anymore it feels like they just rely on the manual these days and read the answer from the book, i am saying that because how many times do you get an advisor repeating themselves word for word over and over again?Then in frustration you just agree and put the phone down then try again tomorrow hoping u get someone more helpful. You cant speak to a supervisor anymore they reckon they dont have them. Ypu get the team leader if your lucky however he or she is always busy and you get the cocky advisor telling you it will make no difference speaking to them because they will only say the same thing. Is there any wonder nobody smiles at anyone in the street any more and everyone is so bad tempered its because the problem is not just in the call centres but every were you go these days employees are so inefficient and most couldn't care less. Years ago problems got sorted out quickly and politely these days the whole country is in a mess? Sorry that was a bit long
  8. hi sorry it took so long to post up i just hope i did it right this is the letter i received from ge money . thank you cher69
  9. Haha you guys just made me giggle n yes i have tried the tactic of being really really really nice and all that but 9 times out of 10 they say something patronising or really illogical that makes me turn into the devil woman lol . Also yes i agree with you on the english issue and i don't want anyone jumping to conclusions thinking i am racist because i am not. What i mean is that if you work in a call centre or any job that involves communicating over the telephone you should be able to speak clear good english and that means if you are welsh, scottish, scouse,geordie, irish, yorkshire, whatever if you have a strong accent then dont be suprised when people dont understand a word you are saying. only last week i got a lovely man with a geordie accent and i couldn' t understand him in the end he asked if i wanted to speak to someone else someone english and i said yes because we were getting nowhere fast lol
  10. Just want to rant about the majority of advisers at call centres round the country and how these days you just cant talk to these people. They sound like they are reading their responses from a book which is probably what most are doing.if you are asking for help with an outstanding debt you have their options not yours. They are not human any more unable to empathise so they may as well get rid of the advisers and make it automated like everything else. You know keep it simple. Press 1 if you owe us money press 2 if u want to make payment in full press 3 if u cant make a payment. If u cant make payment tough we don't want to know see you in court.
  11. Hi there just wondere if you got this sorted out as i am in a similar position myself thank you
  12. Thank you oldrouge sorry for the delay i will post them up asap!.kind regards cher69
  13. Just to add ge money stated this was their final decision and to take it to the ombudsman they dont even want to discuss it no suprise there though .
  14. Hi there i got ge moneys response today and to be honest it was what i expected they sent me a letter about 5 pages long including a copy of the agreement I signed which wasnt an issue i know i signed it. However they state there is nothing they can do and have forwarded a copy of my letter to the broker. Ge money will not extend the loan term their reasoning is because it is a management decision not to do so. So there we go not much help. What next is there anything i can do ?? Cher69
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