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    • It’s all unsecured loans and credit cards. Mainly loans now though as most credit cards are paid off.   so 95% unsecured loans.   I just don’t know my situation job wise it’s almost impossible to say whether it’s likely or not just don’t want to be caught out by it. My mental health trying to pay this off has taken a huge hit also if I’m being honest. I feel like mentally I need some kind of respite and the credit file cost is something I can accept also. 
    • Depends on whether part of the roof needs to be replaced and whether it is a standard roof type,  but the works should only take a day or two. Someone I know had a whole semi-detached roof replaced in about 12 hours. Suggest you put it in writing to the business about the issues you mention in your post.  Also as business premises, you could also apply pressure by contacting local Council if necessary. 
    • Thank goodness it's not your roof and you get to foot the bill! How big are these bits of mortar? How often are they falling into your garden? Hourly, daily? Just go ahead with your plans, of course, they're not going to be worried by your time pressures and the urgency of the situation, so simply carry on as you would have done and I'm sure everything will go fine. Unless there is a danger to life and serious structural issues which mean you cannot venture into your garden, then IMHO there is little more you can do less for what you have done so already and made them aware of the issue.
    • Hi all!   Thank you in advance for any help you can give me!!    I parked up (at 18:08) in a rush, entered my Reg and paid for an hour of parking. At 18:20 I got a ticket for not paying for parking.    I've just looked at my receipt and noticed why ... I put "22" instead of "21"  when i put in my Reg. yes... what a stupid mistake.    I seem to remember there being a court case or a rule change about entering the wrong reg but the company wasn't at a loss because i had paid for the parking just technically for the wrong car. Am i making that up?    Any advice would be gratefully received, even some key points i have to hit when doing the appeal      
    • You haven't returned to the thread to give us your views, but a couple of other things strike me which you should consider: 1. You say that at no time was your father's licence revoked by the DVLA. It didn't have to be revoked. It expired in September and his "entitlement to drive" (of which the licence provides proof) expired along with it. He could only continue driving whilst his application was being processed by virtue of s88, and it seems clear to me (based on what you have said) that he was not able to take advantage of the benefits provided by that section. 2. The letter he received threatening to revoke his licence was probably a template letter sent when any medical issues are brought to the attention of the DVLA. But it is clear that beyond September until it was eventually renewed, your father had no valid licence to be revoked. I believe a "not guilty" plea in court will fail. The basic facts are that your father's licence expired in September, it was not renewed until February because the DVLA were looking into his medical declaration and he could not take advantage of s88. So in December he had no licence and no entitlement to drive under s88. The facts that he believed he was fit to drive and that his licence was eventually renewed may mitigate the offence but they do not provide a defence. I also asked whether he had received a summons (very unusual these days) or whether he had received a "Single Justice Procedure Notice". The way to proceed from here differs slightly depending on what he has received so if you let me know, I'll advise further.  
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Moorcroft letters!


Ingrid
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Ingrid the simplest and easiest thing to do is 'pretend' to be your daughter when talking to these fools. You know all your daughters personal details so will have no trouble answering their 'security questions'.

 

I can sympathise with you re contacting BT. I have phoned, emailed and phoned again over a query on my bill. My callls have been to the Indian Sub-Continent and back several times and Im still no further on. I have also reported then to OTELO

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Thanks ODC, that was going to be my next step, masquerading as a my younger self!!! My daughter gave up speaking to them on the phone as, with respect, she couldn't understand what the other person was saying. I then told her to email or write. Emails seem to have a similar level of clarity!!

 

I think I shall sit down with a large cup of coffee and diarise all correspondence - it's going to take some time!!

 

In the meantime what is midas likely to do? The conversation with Craig the other day didn't get very far!

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The conversation with 'Craig' didnt go very far because

 

1. You were not offering him any money

 

2. The questions you asked were not on his script.

 

Send a letter to MIDAS by recorded delivery leaving them in no doubt that the alleged debt is in dispute with BT and that you will only be dealing with BT in an effort to have it resolved.

 

Midas wont like seeing their commission disappearing but hey life's tough isnt it.

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So how much longer do we give BT then - the first request for a report was back in October via email, with a couple of others since, plus a hard copy letter was sent on 3rd January and a follow up letter, enclosing the letter of 3rd January was sent Recorded Delivery on 23rd January.

 

Now, as you can see, we are quite a patient pair, but to have been deliberately ignored, with no acknowledgement letters ever received, is just plain rude. To continue sending threatening letters knowing that our request hasn't been done is negligent and harrassing!

 

Having been in a situation myself with TalkTalk and BCW, I know that their disputes are held for three weeks before they chase again (BCW told me so! though again nothing was forthcoming from TalkTalk!) Different issue, but the outcome was well in my favour!! I'll post about that little saga another time!

 

So, how long do I give B..... T......?

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BT ask you to give them 12 weeks but I think you should go straight to OTELO with them. As for Dalk Dalk dont get me started about them and their so called service agents. That was why I returned to BT

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So, having forgotten to phone these morons up masquerading as my daughter, 5 days after my call to "Craig" my daughter is sent a letter from their Home Collections Division. She brought the letter round to me today.

 

These no-brainers really don't understand when they are told that my daughter wants to see an engineers report to see what she is actually being charged for! She's invoiced for a Payment Charge so she's just expected to pay without question!?!

 

What should I tell her to do now - she lives on her own, albeit with her alsatian and husky and a few cats, but I don't want her to fell intimidated into anything!

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Ok i dont know if this will help but if you send an email to the cheif executive of BT you should get results i had a 800 pound disputed debt i arranged a payment plan for what i believed was lawfully my charges(I.E call and internet costs) and the rest was written off the email is[email protected] I recieved instant acknowledgement of my email and the problem was sorted within 48 hours, i think it would definately be worth a shot even tough the debt has been passed on you have a genuine complaint and you should be able to get some clarification from ben i have never had a problem with the way any of my complaints/requests have been delt witeh when sent directly to him obviously should they wish to contact your daughter by telephone just to clarify what is going on ( they didnt ask me any security questions and the like so you could probibly deal with them also) include a contact telephone number in the email, trust me when i say this will only be used by ben or the complaints manager i have not recieved any further calls or letters since speaking the gentleman in question

 

I also have the direct line telephone number for their(BT) head of complaints and his email address.please,feel free to PM me if you would like these details also

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  • 2 weeks later...

Well, I have been putting together a diary of communications and haven't got round to emailing Mr Verwaayen as yet, but my daughter received another letter from Moorcroft as follows

 

I write in response to your recent dispute in relation to the above account and can confirm we have been in contact with British Telecommunications plc who advised us that there are no notes of your actual dispute. Therefore, please provide us with full written details of your dispute to enable us to assist you further.

 

I can also confirm I have placed your account on hold until 17th April 2008 and request you make immediate contact with our call centre on the above telephone number to discuss a repayment proposal you can afford and maintain.

 

If you are unhappy with the information provided please contact us by return (or in any event prior to the above date)

 

So BT has no notes, despite my daughter sending two Recorded Delivery letters (I know cos I took them to the Post Office for her) on 3rd and 23rd January! There are numerous emails (15 I have just counted) between both parties, plus a number of phone calls! And THERE ARE NO NOTES!!!!!:evil: That will explain why she's had no response from BT in writing!!:confused:

 

Customer Service Manager must have his office within the Bermuda Triangle!!

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Dear Moorcrap

 

I have told you repeatedly this account is in dispute with BT. As such the matter should not have been passed to yourselves.

 

I have no intention of negotiating with you regarding this matter which I do not regard as any concern of yourselves. Therefore for the avoidance of any doubt please note that I WILL NOT be contacting your call centre to disscuss any payments.

 

I understand that any legal action would have to be instituted by the original creditor and not yourselves. Please note that any litigation will be strenuously contested and will result in a counter claim.

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Well, I have been putting together a diary of communications and haven't got round to emailing Mr Verwaayen as yet, but my daughter received another letter from Moorcroft as follows

 

 

 

So BT has no notes, despite my daughter sending two Recorded Delivery letters (I know cos I took them to the Post Office for her) on 3rd and 23rd January! There are numerous emails (15 I have just counted) between both parties, plus a number of phone calls! And THERE ARE NO NOTES!!!!!:evil: That will explain why she's had no response from BT in writing!!:confused:

 

Customer Service Manager must have his office within the Bermuda Triangle!!

 

 

That'll be moorcroft spinning you a line, i dealt with ben just last friday and had a bill written off so its best to contact him as i said i can give you a direct line telephone number if you like im sure this will help ::-)

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Violent Indie, thanks everso much for your help. Think I'll suggest the email route to my daughter, as with my recent experience with TalkTalk, and indeed, Recorded Letters to BT in this case, the direct, written course would be best I think.

 

I have now diarised all recorded communications (I did ask my daughter tonight if she could remember dates of her initial calls but she couldn't as she wasn't expecting it to drag on this long) To date, from the original Bill back in May 2007, counting communications between her, BT and Moorcroft there have been 49 recorded communications! Goodness knows what the actual monetary cost is, and you can't put a price on the stress and frustration involved!

 

And still no Engineers Report!!!

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Ingrid, head you next letter in a larger font and bold:

 

Will you please have the courtesy to reply.

The 'please' is optional.

 

What was the engineer called for ? If it was after their socket on the wall then there is a charge, if it was anywhere before the socket then it their problem and there is no charge.

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Hi Conniff

 

That's what we want the engineers report for - we don't know what his conclusion was!

 

Plus - the Payment Charge was for £103.50 + VAT, according to the BT website a Callout Charge is £99.50 + VAT.

 

Oh, and could someone clarify the difference between OfCom and Otelo - cos I is thick, innit! :-)

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I just had a chat with my son who is a BT engineer and he has told me that it is BTs at the point where it comes into the house. If it comes through the wall and is connected into a junction box and then wire runs through the house into the socket, the point from the junction box to the socket is your daughters, so it will be the callout charge plus any materials.

If it comes into the house and goes into the socket, then it is almost the same. Up to and including the socket is BTs so no charge, anything plugged into the socket and after is your daughters so will incure the callout charge plus any materials used.

 

Ask you daughter what they did and where, and if it was your daughters responsibility then you would be wise to make a payment of 'just the charge' direct to BT and forget Moorcroft.

 

Does that make sense?

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