Its Not A Crime! - BR 28 Feb

[The GodMother]

Nice one sister.

 

Glad your daughter went. I thought some gentle persuation would help.

 

Make sure you dont get lost between work and the police HQ.

 

Chrissi

[sisternumber1]

goodmorning every one.

 

Just a couple of quickies:

 

1. where can I get a machine that I can attach to my landline telephone to record conversations? and for that matter can it be done on a mobile?

 

2. I have to stop posting here - will not go into why - but I will continue to use the site as a resource - although not being able to ask questions is going to be a bit limiting.

 

3. Please do not take offence if I only respond to site helpers and moderators who pm me now, I have really appreciated all the help and goodwishes.

 

Gosh that sounds so paranoid - but it is not paranoi - I am just very angry

[rory32]

1. where can I get a machine that I can attach to my landline telephone to record conversations?

Maplins.

and for that matter can it be done on a mobile?

If you have one of the following phones:

 

Nokia N70, Nokia N90, Nokia 6680, Nokia 6681, Nokia 6682, Nokia 6630, Nokia 7610, Nokia 6670, Nokia 3230, Nokia 6260, Nokia 6620, Nokia 6600, Nokia 3600, Nokia 3620, Nokia 3650, Nokia 3660, Nokia 7650, Nokia N-Gage QD, Nokia N-Gage, Nokia N72, Panasonic X700, Samsung SGH-D720, Siemens SX-1, Sendo X, Lenvo P930

 

 

You can download Call Recorder Pro Series 60 to record calls on your mobile. It's free to try or you can purchase it for the princely sum of £6.41.

[sisternumber1]

thanks , although my mobile doesnt feature - I have a lobster!

[rory32]

If you tell me your mobile model then I may be able to find something for it.

[sisternumber1]

If you tell me your mobile model then I may be able to find something for it.

 

Its a lobster 544

 

and thanks for the Maplin - cheap solution will do as I have some of the equipment needed.

[sisternumber1]

this says it all

 

Cops take 'easy route' to get extra cash - Bedfordshire on Sunday

[noomill060]

sister- cutting yourself off from support is a mistake. PM me if I can help.

 

You can report nuisance calls to your phone company who can put a trace on them. Check out the Ofcom website

[The GodMother]

OMG.

 

Its like the lottery you could be a winner if you buy a ticket.

 

Your crime may be investigated if they believe they will be able to prosecute

[sisternumber1]

sister- cutting yourself off from support is a mistake.

 

 

You are probably right - tiredness makes me into an irrational being

 

Thank you

[sisternumber1]

OMG.

 

Its like the lottery you could be a winner if you buy a ticket.

 

Your crime may be investigated if they believe they will be able to prosecute

 

 

I am assuming that you read what I found in our local Sunday newspaper this morning - explains a thing or two as to the way we have been treated everytime that I and my daughter have tried to report what was clearly criminal, cant win can we, murders they investigate, their website seems to reckon the most important crimes that they have specialist teams for are race crimes and homophobic crimes, I think they put some priority to crimes against children, but if your disabled, or it is vaguely "domestic" forget about it. And in this town they do try and catch drug pushers, a big problem round where I live. What has happened to my daughter is clearly criminal, even if she did trust and gave her cards for safekeeping, she took advantage of a person who was ill and at the time very likely to die. Its a criminal offence to take advantage and fleece people if they are old, so why is it not so if a person happens to young and very sick?

 

Sorry I am mad and still tired and off to my bed very soon, telephones all switched off, went and bought myself a pay as you go SIM card this afternoon and only two people have the number, mind you they had to unblock my mobile, didnt know that mobiles were blocked! So no disturbed night with telephone calls. They will soon get fed up with phoning no one. Been there, done that, got the t-shirt, so many number changes I have lost count, this no longer scares me, just disturbs my sleep, which I need.

[sisternumber1]

Lula

 

I suspect its something to do with their statistics when it comes down to it! - I do however wonder if it would be different if we lived elsewhere?

 

I said that before seeing the story in the paper on Sunday - well I can still fathom out some things!

[The GodMother]

I think it is discusting that they are allowed to do this.

 

I would seriously complain and l would not stop at the cheif constable i would also got to there superior end if l then dont get a satisfactory response l would go as far as l can that would include Jackie Smith at the home office. As well as the IPCC.

[sisternumber1]

Hi Godmother

 

I am in the process of doing some major complaining about it all - I will come back as soon as I have written all the letters. Just had some sound advice from some one who I trust totally. So off to do some writing.

[The GodMother]

Good luck if there is anything l can do just shout

[sisternumber1]

OK back to Virgin/MBNA They have had the SAR on the 9th January 2008, (same date as Barcalycard), they have also had the letter saying we will only deal with them in writing, they have told us that they are investingating our complaint one letter saying we will have a full response by the 4th February and the other saying within 5 working days, neither of those are up yet, so a text message has been received from them, saying ring us urgently on 01244675894 (I looked the number up on the web it purports to belong to a driving school in Chester) so rang it to give them a rollicking and it was MBNA at the other end, I hung up. Does text messaging constitute in writing? and why if they are investigating are they texting and wanting to discuss over the telpehone - we also received an interesintg pink and purple one from Dublin telling us they would substatnially reduce the owings on the card if we rang them straight away. At the moment all we want is the statements, so why are they unwilling to let us have them?, They start February 2007 and up to September 2007 will be more then sufficient, what is holding this up? Could it be that they can see that all the transactions on there could not have been made by my daughter? but they are unwilling for us to find out!

 

Not that any of this in the long run matters as my daughter will be petitioning for bankruptcy, waiting for the pack from the National Debtline and then we will be getting all the forms and filling them in, my daughters health is detiorating at the moment including her mental health - she is slipping in and out of being cognitally with us at an alarming rate, I suspect we should start thinking about a bit of paper that says that I can take care of her affairs (the name of which I will remember as soon as I post this)

[sisternumber1]

Actually I suspect its time that their file MBNA went off to their local TS and copied to OFT, seeing as they do not believe in abiding by the rules (telephone calls, text messages, account in dispute etc.)

[surprise]

If they haven't complied with SAR then you can report them to the ICO. If you go on to the ICO website there is a form you can complete and email. I did this with Morgan Stanley and MS actually referred to the ICO in their correspondence.

[sisternumber1]

If they haven't complied with S.A.R - (Subject Access Request) then you can report them to the Information Commissioners Office. If you go on to the Information Commissioners Office website there is a form you can complete and email. I did this with Morgan Stanley and MS actually referred to the Information Commissioners Office in their correspondence.

 

 

unfortuantely 40 days isnt up yet - but we will go there if they dont.

[The GodMother]

the piece of paper which l hope you will NEVER need sister is called a power of attorny, might want to check the spelling.

 

It gives you all the decisions over your daughter life.

 

As l said l hope you will NEVER and l mean NEVER need it

 

Chrissi

[tomterm8]

the piece of paper which l hope you will NEVER need sister is called a power of attorny, might want to check the spelling.

 

It gives you all the decisions over your daughter life.

 

As l said l hope you will NEVER and l mean NEVER need it

 

Chrissi

 

You need a lasting power of attorney, not an enduring power of attorney. unfortunatly, they can be quite expensive - although you can fill the form in yourself, it is complicated.

 

There are two types; your daughter needs to give you both types...

 

some more info Managing your affairs and lasting power of attorney : Directgov - Over 50s .

[sisternumber1]

Yesterday I received a call from TS re my Barclaycard Complaint, got complimented on my very good letters (thank you CAG), got told that they have passed on all the pack to who ever they deal with at Barclaycard and have wrapped them over knuckles, becasue they should have stopped chasing the minute they got the letter saying we were disputing the account. I have also been told that even though we have unfortunately got to go down the Bankruptcy route to make as much noise as we can as these companies cause many people so much misery.

 

A question re bankruptcy, if we cannot get a grant from one of the uitlity companies for the Bankruptcy fee, what do we do then? Any answers? If you have nothing Bankruptcy is expensive in the short run, is it permissible to take the money from one of the accounts that will be named in the petition? I will go back to the National Debtline with this question, but thought that I would ask here. Bankruptcy sounds fine in theory but there is this upfront cost, the court costs are not a problem as they will be diseregarded on low income/benefit grounds ( more form filling). I suspect some people would not be able to take this route out because of the cost.

 

 

Oh and at what point does one tell the card companies that are chasing that you are going down that route?

[The GodMother]

I have been reading a thread on here by harvest and have had an idea regarding the bankruptcy route from that thread.

 

You main debt is credit cards. Just write to the companys and inform them that you are currently gathering together the paperwork to make your self bankrupt and as a result of this you may not get full settlement of the debt that your daughter owes.

 

The credit cards may then start to play ball and accept your offer on your terms. It worked for someone on that thread. I will post a link for you in a bit.

 

It sounds like bribery and yes in a way it is but it is also called taking control of your finances.

 

Chrissi

[The GodMother]

is the thread sister

 

the last few pages are interesting reading about the bankruptcy.

 

Feeling Sick about £60K of Debts!

[sisternumber1]

unfortunatley there is also a bank loan - which up until now has always been paid on time, the only reason my daughter has this problem is because of the fraud committed on her two credit cards (for which the police are unwilling to even investigate but we will be making a lot of noise over this as well), so as far as every one is concerned the best route is bankruptcy, and as my daughter lives on benefits and rents her home. However I may have an investigate of that route (writing to the credit card companies) while we are awaiting all the papers from the court and filling in the application form to British Gas. My daughters debts consist of:

 

1. Barclay card about 2,800

2. Virgin about 4,600

3. Bank Loan 6,020

4. her ex housemates Council Tax bill of 625

5. Egg card 120 (but this is being paid off and will be gone in 5 months)

 

There are no utility debts nor rent arrears, my daughter has always been in charge of making sure that they are paid.

 

She gets

DLA higher rate for both components

Long term Incapacity

Housing Benefit both for Council Tax and all the rent bar £50 per month

Have just applied for Income Support and believe she should get in the region of about 60 pw.

 

She no longer has any savings, it has been cleaned out there had been in the region of 600. Too long ago to make it worth investigating as all the CTV pictures will have been overwritten from then (August 2007).

 

The bank so far is unaware of wht we are considering as we have been concentrating on getting some justice for my daughter and getting her benefits sorted out. Seems a lifetime ago, but its only 2 weeks since her partner scarped back to NI, we have done a lot in that time:(