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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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    • Emily Carrington78
      Natwest Bank Credit card debt - Moorcroft- Lowells- Overdales @overdalesSols

      By Emily Carrington78 · Posted

      Hi All, So brief outline. I have Natwest CC debt £8k last payment i made was 7th November 2018 Not a penny since. So coming up to the 6 year mark. Can't remember when i took out the  credit card would be a few years before everythign hit the fan. Moved house 2020 - updated NatWest as I still have a current account with them. Then Lowells took over from Moorcroft and were writing to me at my current address. I did get a family member to speak to them 3 years ago regarding the debt explained although it may be in my name I didn't rack it up then went contact again. 29th may received an email from overdales saying they were now managing the debt. I have not had any letter yet which i thought is odd?  Couple of questions 1. Does my family member speaking to lowell restart statute barred clock? 2. Do you think overdales aren't writing to me because they will back door CCJ to old address even though Lowells have contacted me at current address never at previous? ( have no proof though stupidly binned all letters  ) Should I write to them and confirm my address just incase? Does this restart statute barred clock? 3. what do you think best course of action is?   Any help/advice is appreciated I am aware they may ramp up the process now due to 7th December being the 6 year mark.   Many Thanks in advance! The threads on here have been super helpful to read.  
    • Goodday
      Returning online order issue. items from Just BB Guns - both not what i want or faulty - within 14 days.

      By Goodday · Posted

      Hello all, just got this from my bank today.   ” Update on your payment refund As you know we temporarily refunded the amount(s) of £381.98 to your account pending investigation. We’re pleased to confirm that an additional amount of £359.99 has also been refunded to your account by the retailer on 18th March 2024. What will happen next To correct this situation, arrangements will be made on 6th June 2024 to reverse the original refund supplied from us.  Our file in respect of this matter will now be closed, which we trust is satisfactory.”   Not sure what to do as I was previously told if I hear nothing back after a certain date that would be the case closed now it’s been changed to the 6th of June. and as you see I’m not getting a full refund I don’t know wether to contact them again and try to get the £20, or if I even can at this point? Thanks again.   
    • unclebulgaria67
      Homeowner - Struggling to now pay minimums on unsecured debt

      By unclebulgaria67 · Posted

      Is your current mental health causing you to apply negative thinking? If the answer is yes, then you should get some advice. The following website link enables free mental health support. https://atw.maximusuk.co.uk/?utm_campaign=EMP-ATW-B2C-B2B-leadgen &utm_medium=PPC Google Text&utm_source=Paid Seach&utm_term=maximus mental health&
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      By Kahunaburger · Posted

      Thanks both, much appreciated
    • Bazooka Boo
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      By Bazooka Boo · Posted

      So even if they do repair it in time, you still need to get a marquee etc? If they don't repair it in time, you have to find a new venue? I'm confused?

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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Capquest want to know if I have a car.

fuzzybobble

By fuzzybobble
in Debt Collection Agencies

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fuzzybobble

fuzzybobble

Posted
Posted

Got a surprise call from Capquest tonight, had a few beers with a mate beforehand and so decided to let them have their 2 mins of glory before I shot them down in flames by quoting a few OFT guideines at them and that they weren't to ever call me ever again.

 

One of the daft questions they asked was "Do you own a car?" I do, but I told them didn't understand the question, and from that moment went into very vague mode. Especially when asked as to when I would be paying them and how much.

I then got the "we're recording this call sir" So temtation got too great,and went into a drunken rendition of the happy days theme tune asking 2 lines later if they could send me a recording of it. .....More threats followed....So I gave them the don't ever call me again line and all corresponence should be in writing from now on.

 

Gone bit off track now...oops.......:p

 

But does anyone know why a DCA would ask if you had a car?

 

Also be good if CAG could have a section where you could post mp3 files of amusing conversations you have recorded of DCA calls. I think this would be a help to people who are more nervous about DCA calls and reassure them there's nothing to be scared of and it can be quite fun really.

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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alanfromderby

alanfromderby

Posted
Posted

I suppose in many respects it is the only thing worth levying on - especially as very often it would be parked in the drive.

 

Unfortunately, with regard to your last point, mp3 file can be rather large and it would put too much strain on the server to allow uploads of such large files. Of course, that does not stop a user from uploading such files to one of the many file storage sites and posting a link.

 

 

 

 

 

 

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fuzzybobble

fuzzybobble

Posted
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Posted

May be worth trying it and see. Be interesting to hear other peoples experiences with dca's and also a good way of gatherering evidence of OFT breaches by DCA's. Especially when CAG starts selling the phone recording kits.

 

As for my car, I spend most of my time at my girlfriends house and when it is parked at home, it looks like it belongs to next doors lol. Would take it into a field and set fire to it before I would let a DCA get their hands on it (they would need to produce a few CCA's first lol). Not sure the owners club I'm a member of would be to happy about me torching a rally classic though. :cool:

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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fuzzybobble

fuzzybobble

Posted
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Posted
I suppose in many respects it is the only thing worth levying on - especially as very often it would be parked in the drive.

 

How can they take your car without you defaulting on a CCJ, etc, first? Even then can they take a car if you need it for work or other vital things like taking kids to school, sick granny who lives in the middle of nowhere, etc? The debt Capquest claim I owe is fleabay and Pay-(no) Pal (of mine), account and nothing to do with car loans or finance, so I can't see how they can ask if I own a car or not is relevent.

 

Be interesing to see what they would say if I said yes I have a car, etc. Just to see what they say would happen to it. Am sure it would be a breach of OFT guidelines, like when they ask if you can borrow the money from friends or family, or get a loan from somewhere else so you can pay them.

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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Alphageek

Alphageek

Posted
Posted

I then got the "we're recording this call sir" So temtation got too great,and went into a drunken rendition of the happy days theme tune asking 2 lines later if they could send me a recording of it.

 

Can I have a copy please? LOL

The REAL Axis of evil: Banks, Credit Card Companies & Credit Reference Agencies.

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fuzzybobble

fuzzybobble

Posted
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Posted

I'm sure they won't send me a copy of it. booo hissss

 

Next time I call a dca, or most likely they call me after a visit to the pub. I will record it and post it on here.

 

You've just given me an idea. Alphageek. Might be a good idea to have a thread so peeps can post their best and most appropiate song recordings to the dca scumbags, so we all can have a good laugh. Most peeps looking on here are probably feeling a bit down in the dumps, so would be good if they could stumble on something that would make them laugh at a DCA's expense. Would also show them there's no reason to be frightened of them.

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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mr.ton

mr.ton

Posted
Posted

I then got the "we're recording this call sir"

 

What does it matter if they are recording the call or not exactly?

You are not under police caution or something! lol

If they phone you..you are entitled to say what you wish & just coz they are "recording the call" means diddly squat :rolleyes:

Dont know who the hell these DCA's think they are...:mad:

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fuzzybobble

fuzzybobble

Posted
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I hope they do record calls. I'll be recording mine in the future. Just wondering what song to sing to them. When I decide, I'll do it and post it on here. (can't sing by the way so go and buy some ear plugs now lol)

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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mr.ton

mr.ton

Posted
Posted
I hope they do record calls. I'll be recording mine in the future. Just wondering what song to sing to them. When I decide, I'll do it and post it on here. (can't sing by the way so go and buy some ear plugs now lol)

 

If you decide you wish to talk aload of nonsensical gibberish down the phone to them then that is ur right to do so.

Just coz they are "recording the call" means sweet fa & like i said, you are not under any cautions etc..

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fuzzybobble

fuzzybobble

Posted
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If you want to watch happy days, it's on one of the freeview channels most weekdays. Two episodes an evening.

Can't remember which channel is either 35 five US or 36 five life. Early evening from 5pm onwards I think.

 

Got the theme tune as my moblie ringtone at the moment.

 

Just started a thread on here for songs to sing when DCA's call me. The best suggesions I will sing and record and post links to on here.

 

Now you know why they say I'm a bit Fuzzy.

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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