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  1. I can't get into contact with anyone at the TSB, not by phone, not by email. I was offended by a security guard at my local TSB branch (Aberdeen). I am trying to make a complaint but not getting anywhere. I tried to contact them by phone. The local branch don't pick up and I get an answering machine telling me to call back. The UK telephone line is an automated machine which asks me for my account number and sort code, which I can type in. Then it asks me for my "security number" or some such and I don't HAVE a security number. So I can't get anywhere with that. I made an
  2. Not sure if this is the right forum to ask this but.... I have a dispute with Rooftop Mortgages over fees they have added to Morgage Redemption Statement. Anyway, late in a long converstaion yesterday with them I asked whether the converstaion was being recorded and was told yes. Q: AM I right in stating that I should have been advised of this at the start of the conversation and given my consent?
  3. Can anyone recommend a telephone recorder. I am so fed up with being given information by DWP advisors which I am then told by another is incorrect that I want to record their messages. One that is easy to set up and use please. Many thanks
  4. A friend of mine has been notified of a telephone interview she must have on 12th January. I called the DWP on her behalf and they confirmed that it is in relation to the £6000 she has in her ISA and that they (the DWP) have had some sort of notification that it may now be worth more than £6000. The interview is merely to confirm this fact. Has anyone on here had experience of this process?
  5. Hi, I received a letter last week for a ' Local Compliance Telephone Interview'. The call will take place in just over 2 weeks. The letter says the telephone interview has been arranged because your circumstances may have changed and we need to ensure your payments are correct. On the back it says i need my bank statements at hand and any savings or pensions (which i don't have!). I rang the women who will be doing the interview to change my mobile number as it was wrong, i asked her what the interview was for as i had never heard of it. She said "its just to check your getting / on the
  6. Hi guys, a friend of mine owns a chinese restaurant/take away and has been plagued with 'kids' ringing and 'pretending' to enquire what's on the menu . . . 50 calls a night for about 4 weeks, they shut for 10 days in january and then when they reopened it started again, although 20 calls a day now . . . each time the number is different and when they ring back it doesn't connect . . . the dialling codes were mobiles but then landlines too, however some of the area codes were 100's of miles away! Is there and internet scrambling facility? i'm guessing th
  7. thankfully its been a while since I have had to deal with dwp or atos or whoever.....but my friend has just told me she had a telephone assessment and has been denied esa....I am shocked they can do this. I thought it had to be a face to face assessment.
  8. Him All I have recived a county court Paperwork for a debt for my limited company and my self as a named debtor, this is from a company called Talk Uk. I owed them a debt from My company and agreed to an upgrade to pay off the debt which according to them left an outstanding balance of around£200. also I agreed to take on the lines in my own name as long as I got the bills sent to me and I could pay by direct debit. They sent me terms claiming this was the contract, I have spoken to them today and they say that the terms they have sent constitute a contract and th
  9. Hi. I am in the middle of a dispute with Creation Financial Services. I was speaking to their helpline and they said they had accessed a telephone call I had made two years earlier and that I had not changed my address with them. Can they really access these phone calls from two years earlier in a matter of two or three minutes I was on the phone waiting for a supervisor to access the call. I didn't and don't believe they accessed it that quick and think they lied to me. Can you tell me if they can access calls from two years ago that fast? Thanks.
  10. Hi I received a letter on Saturday, spent all weekend worrying about what it is about. I telephoned the number this morning to try and find out more, was advised he has not looked at the case yet but need to wait until Friday when the interview is booked for. I explained i suffer from serve anxiety and nerves and not knowing what it is about is causing me a huge amount of stress, I explained even an interview with my GP I find very stressful but the person I spoke to could not bring it forward or advise me of anything. Can anyone give me some advice.
  11. Hi there... Talktalk will be offering my pensioner dad some type of compensation package for mistakenly disconnecting his phone line in error after his wife passed away but despite me taking 6 weeks desperately trying to get his old number back, they've finally told me it's not possible due to technical issues of his 30-odd year old number being on an old exchange and they operate on some new exchange. Believe me, I fought to get his previous number back (and spent a heap of money calling their 0870 number and being placed on hold for ages), even consulted BT about it and actually tried
  12. I have about £1400 of student debt from loans I had in 95,96 and 97. I've always been able to defer. Given that Erudio are taking housing benefit, maintenance, etc. into their calculations that takes me over their income threshold. I sent back the old style SLC forms with a letter stating my concerns and requesting clarification over the new form. They ignored the letter and just sent me another copy of their form. My deferrment period is now up and they've since begun to take payments from my account - without any notice of how much and for how long. It
  13. There is a pop-up which appears when the text "telephone call" is rolled-over, regarding recording calls. It states that Android 'phones can record calls, but iPhones can't, and that people "must" make use of additional hardware (an Olympus TP8 and a digital recorder). This is incorrect. High quality recordings can be made by use of apps without additional hardware : the iPhone can't record the call directly onto the 'phone, but do so by creating a conference call, where the recording is made at the "third party" to the call. Can the incorrect advice be amended to reflect the true po
  14. Hi everyone, I'm new here and after some advice. I was made redundant from my job last September through no fault of my own and been signing on ever since. However, before Christmas I had an appointment with my advisor at my local job centre and gave me details of a job to apply for but 2 weeks ago I received a letter saying that they are going to stop my job seekers allowance from the end of January to the middle of march. I have since appealed the decision in writing but when i went to the job centre today I had to fill in another form and explain again. I know it was my fault for
  15. Hi, my advisor says I can not have telephone interviews anymore, which has really distressed me. I can not make physical appointments at all. I find it hard enough to even make it to my doctors (the only time I do out, with someone with me) Maybe 3 times a year or less. So I was just asking for help if this is true or not? Because If I can't make appointments.... then I will lose my benefits? Thank you.
  16. I'm aware that this is a really old chestnut so I apologise in advance. If the last payment in an unsecured loan was in June 2008. Then the account was closed by the bank in October 2008 (I had no and at all in the account being closed). Can someone confirm that the Cause of Action was one month after the last payment and NOT when the account was closed? Replies very much appreciated and any evidence or examples to prove the above would be fantastic. M...
  17. I received a call from the JC asking me to come down on my usual signing on date but earlier for a meeting what could this be any input please Regards mashmallow
  18. Hello, I have just had a phone conversation regarding my pension credit. I was happy with everything and they are going to send someone out to visit my home. Anyway, during the conversation, he said to me "I'll just do a hmrc check" then came back, pause and said everything is fine. This just slightly concerned me.......does anyone know what the purpose of this check is? Thanks
  19. I took out a loan with PPI in October 2001 with Lloyds TSB bank. I have been self-employed since 2000. The loan + PPI and Gold account were all placed in default in January 2003 and was passed to BLS collections (Lloyds bank) as an amalgamated account to repay at zero interest. I was uncertain if I could pursue for reclaim of PPI and started making enquiries in 2010. I was also experiencing financial difficulty and had reduced payments to £30 per month; though this was a challenge sometimes. Business was very slow. I started gathering account information in Spring 2011, speaking with
  20. Can someone give me the correct telephone number for stratford where they make all the decisions for all job centres ? I am having problems with MY job centre and need to speak to Stratford diectly. Thanks
  21. Did you know that you can save in excess of £50 with BT or £60 with Virgin Media by paying your line rental annually. Now that has to be worth it.
  22. Once again the letter from my work provider telling me a telephone interview has been arranged and that I must be available for it. I know I do not have to participate as I am in the support group, but it is criminal how they hound people (we look forward to seeing you again, and helping you find the right job). How can they 'see' me over the telephone. It's so exhausting keep up with all of this, failed PIP medical, lost mortgage relief form, now these people. You get to the point of just wanting it ALL to end.
  23. hope this is in the right place, if not could a mod please move as needed. A finance company that I have had to have dealings with was constantly ringing me a while ago. I suffer with nerves and panic attacks at the time it was leaving me quite distressed, despite verbally asking them several times not to call they carried on doing so. After getting some advice, I sent them the template letter which is available on the internet regarding telephone harassment and the fact it is an offence. My letter was acknowledged in polite terms and the calls d
  24. Hi, I need some advice in the following situation. I've recently completed a 3 month contract in a job where my direct line manager was short tempered, verbally abusive and would often shout, yell and bully me and all other fellow staff. During the contract I juggled numerous projects. One major project was completed and made substantial progress on the others. During the final week, my manager asked if I would consider a contract extension if it was offered, where I replied that I would consider this but did not confirm anything. Since I did not hear anything further, on t
  25. Here is the text of my post on another thread, suggestions please as to how to sort these persistent muppets: Just had an up and downer with Crapquest. had 25 calls from Capquest over the last 2 days many silent; answered one today, some muppet asking for a wench who has never been associated with my llandline number. The drone was most upset when i told him i would be initiating a complaint with the FCA regarding their calls as my number which I have had for 18 years was being abused by a bottom feeder DCA regarding a debtor with no connection to it. Told the drone that I wou
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