I'm sure I can hear em outside. Just turned out the light. Bah humbug. Lol..

I took out a vehicle based membership for my son last year for his birthday AA changed this membership to a personal one and when son wanted to claim he was forced to take out new membership AA refuses to acknowledge they are at fault I am taking them to Financial Ombudsman - and have requested copy of transcript of phone call i have all original docs to prove vehicle based membership Be very careful with them...poor customer service, they only want your hard earned cash. I will peruse through small claims court Very poor service and complaints handling - -dreadful

Dear all, I have just recieved a claim from Northampton County Court from Bryan Carter solicitors. The claimant is Pheonix Recoveries. It is relating to a £9k loan which I took out from Lloyds TSB. I had an arrangement to pay Bryan Carter 100 pounds per month but due to financial issues I couldnt keep up with the payments. 1 Day after recieving the claim form I recieved a letter from Bryan Carter saying that they have now issued litigation proceedings. I havent contacted Bryan Carter yet or filled anything in on the claim form. I am just looking for some advice as I dont want a CCj going on my file! Is there anything I can do to prevent the case going to court? ANy advice would be greatly appreciated. Thanks Matt

I have watched this a few times, and still can't work out how it's done.http://www.youtube.com/embed/Ai4tPe80S6Q?rel=0

http://www.bbc.co.uk/news/uk-politics-22025035 it looks like osborne is hoping to capitalise on the nation's repulsion of the philpotts as another way of turning people against those on benefits has he so little shame that he would attempt to use 6 children's tragic deaths as a vehicle to attack benefit cklaimants

I think Barclays may be up to their old tricks, or should I say a new trick, which may be pocketing them a lot of fees. Background: I have 2 Barclays account, one with a small o/d of £200 + Reserve of £300, one with a massive mortgage-linked o/draft. Because the household income & outgoings fluctuates, never twice the same date or amounts, I check my current account every morning, without fail. If the money coming out takes me into the Reserve, I immediately transfer some money from the mortgage account to put me back under so I don't incur the dreaded £22 Reserve fee. Bear in mind that Barclays says that if you go back under the Reserve before the end of the working day they won't charge you the fee, this is important. This has worked beautifully for years now and apart from a maybe once-a-year blip where I couldn't get to the account in time (illness, travel etc), I have had no charges whatsoever. However... For a few weeks now, I seem to have slipped more than usual, straying and staying in the Reserve, not because I haven't paid money in, but because somehow I seem not to have put enough to bring me back under. Odd, right? but ok, I am no maths genius, and I am on heavy medications, so I thought it was me losing it, swore at myself and thought of tackling the unfairness of the charges at some point in the future but nothing urgent, kind of thing... So I got more careful and still it happened. By then, my suspicions got worse, but again my memory can play tricks on me. Last week, I was certain I had put enough and I still ended up over when I checked the next day. So yesterday, I took a screenshot in the morning, which shows I was just over the £200 limit and I've transferred £20 over to make it under. That's it, no other transactions. (Remember that card transactions, cheques, d/d etc, ALL get taken out at about 2 am that day, which is where they used to get you with o/d charges that even if you went in at 9am to pay money in, the'd already have bounced the transactions?). This morning, screenshot. THREE card transactions have appeared on yesterday's date, putting me in the Reserve by nearly £100. BUSTED! Soooooooooooo.... I'm going to give it a few days, do a few more screenshots proving that Barclays are being very naughty, and then get the whole lot back, even the ones where it may have been me at fault then again it may not have been, who knows how long they've been doing this, hoping that most people wouldn't cotton on and blame themselves instead? I will of course keep you updated, but meanwhile if you too have thought Alzheimer's was setting in early, you might want to double-check your statements. For me, it will be easy as I can show where I transferred money every time and still somehow managed to not pay enough to put me back under the line.

For the last couple of weeks I have been receiving calls from 01865 525980 to my mobile phone. This is a local number to me, but as they've called during work hours so I haven't picked up, and they haven't left any messages, however having googled the number it appears it is Aktiv Kapital. Is this a new trick from AK, calling alleged debtors from a local number in the hope they'll answer the phone, or have they genuinely moved from Bromley to Oxford - their website suggests not!

Many of us are aware of DCAs using multiple numbers to try and get through to us on the phone, but I've just discovered that Muck Hall must be getting desperate to reach me considering they've been trying unsuccessfully for some time! I don't know if anybody else has had this happen to them, but they've called me today (unsuccessfully again unfortunately for them) using a number on my own area code. Most of the attempts to reach me have been to one of my VoIP numbers, but my router has the facility to block ranges of numbers so I took advantage of that several months ago just after I'd googled their numbers! However, about half an hour ago I noticed there was a missed call from a local number. Normally I would just ring back and enquire but as the 'local' part of the number (second numeral) didn't fit the normal format I decided to be slightly more cautious. Googling didn't produce any results so I decided to call it (but withholding my number by prefixing '141'). Lo and behold a scottish voice announced "Muck Hall"! It's not a coincidence that one of their numbers just happens to be the same as my area code (in Cornwall) but rather a deliberate attempt to fool me into answering a call which displays as local, so watch out for that little trick CAGgers! Oh well, just going off to block another number range in my router. Rob

You get a phone call and a very nice female voice starts speaking. Hallo - I have something very important to tell you - hallo - hallo, this seems to be a very bad line - Hallo - I have to tell you ..... The message cuts off. You have a caller number on your screen and so you call it back - BUT ... it's a premium rate phone number!! Geddit? Don't be curious Don't call back

Hi, i'm writing this on behalf of my mother. We've been hounded by Cabot for years, phone calls in the hundreds, possibly more. We've always ignored their calls and correspondence, far from being imtimidated we actually found them to be rather amusing. After god knows how long the phone calls finally stopped and figured they'd finally got the message....until today. We recieved a very interesting letter addressed to the whole family name, not just my mother, sending their condolences on my mothers death!!!! I can't scan the letter so i've typed it out word for word below: Dear Sir/Madam Condolences We regret to note the death of Mrs xxxxxx and wish to express our Company's condolences. Whilst we appreciate that there will be a number of issues to address at this time, we would be grateful if you could pass this letter to those who are dealing with the administration of the estate. Alternatively, please provide us with their details. In the meantime, please could you send a copy of the death certificate, using the enclosed prepaid envelope, so that we can update our records. Contacting Cabot If you have any queries, please call one of our helpful customer advisors on 01732 524642 (Minicom: 01732 524630) Thank you for your help at this difficult time. Yours faithfully (copied and pasted signature) Emma Robertson Customer Relations Department I would like to make clear my mother is alive and well! While we're not worried by this letter, we are interested to know other peoples opinions about this letter and your thoughts on whether this is a very dirty tactic designed for us to contact them, considering that we have always avoided any sort of contact with Cabot.