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In This Weather!:shock:

 

Today I'm wearing, thermal trousers, thermal socks, thermal long sleeved top, I am 'Thermal Man'

 

Hot! Hot! Hot! :-x

 

Yeah, well I'm stuck in the house recovering from a broken leg :p

 

And wondering who's going to cook Christmas dinner :|

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Yeah, well I'm stuck in the house recovering from a broken leg :p

 

And wondering who's going to cook Christmas dinner :|

 

I'm sure you'll get plenty of volunteers to help, especially if you're going to wear the black lacy ones BB ;)

-

PLEASE NOTE - I am not a legal expert, my comments are based on information learnt or

obtained and from my own experiences.

-

Case 1 - C L Finance - Court Case 'Stayed' :-). Stay Lifted - N149 AQ Received & Filed. Case Struck Out :grin:

-

Case 2 - C L Finance - Defence Filed. N150 AQ Received & Filed. Case 'Settled by Consent' :)

-

Case 3 - EOS Solutions - No Agreement - Account Closed ~£3500. :grin:

-

Advice & opinions offered freely but informally, without prejudice & without liability.

Use your own judgment and seek advice from a qualified and insured professional if you have any doubts.

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Conversation with Bristow And Sutor this afternoon (After council took my debt back, they called me)

 

BS: Hello, could i speak to Mr XXX

Me: Who's speaking?

BS: I'm calling from Bristow Sutor

Me: Ohh you lot, what do you want?

BS: We have been informed by Amber Valley Council that they have taken your council tax debt back

Me: Yes...(Pause)...And?

BS: There is an outstanding debt to us of £84.

Me: And...?

(Pause)

BS: You are required to pay back this amount...(Pause) By law.

Me: Am I?

BS: Yes, how will you be paying the money?

Me: Erm...(Pause) I won't be.

BS: I will repeat what i have just said (Pause)

Me: Go on then.

BS: You owe us money, can i ask how you wish to repay this?

Me: As i said, i don't wish to repay anything to you.

BS: (Muffled, didn't catch this)

Me: I am just flicking through the DirectGov website, i can't see anything here that says i must pay back money. (I wasn't)

BS: A rep made three visits to your property, you were charged a levy and a walking possession charge was also applied.

Me: And... I don't have to pay this, i've cancelled the standing order, and if you carry on, you will have the courts to answer to.

BS: Sir, i understand what you are saying, but this must be paid back.

Me: I don't understand what you are saying, you are trying to f***ing rob me.

BS: If you use that kind of language i will have to terminate this call.

Me: And what will that resolve eh? Now if i want to swear because i don't agree with the b*llocks you are coming out with, i will.

BS: I must tell you that if the money isn't paid back, you will recieve a court order.

Me: Go on then.

BS: I will allow you 14 days as that is the legal amount of time you have to make an offer.

Me: I have an offer for you, i will pay you one pence, every month, for the rest of my life, out of good will.

BS: Clients are usually allowed six months to clear debts.

Me: And what is that in pounds and pence?

BS: I will just work it out. (Long Pause) As you have been repaying weekly, i have worked it out weekly, it came at around £3.50 a week, do you wish to repay £10 a week as you have been doing? Or i can offer to lower this to £5 a week.

Me: I want to pay... (Pause) Nothing.

BS: I must remind you of the...

Me: Of the what? Bull****. Now, don't f***ing mess me around, i know that once the council take the debt back, there is absolutely f**k all you can do now. So carry on...

BS: Mr XXX that claim is untrue. I am now going to terminate this call (Pause)

Me: Go on then...

BS: I will

Me: (Hung up, couldn't be bothered with the lies anymore)

 

I knew what was what, they didn't call back, they probably wont send me any mail or anything, it was all bullcrap. I can't believe it, and this is honestly true, i got most of the conversation recorded, going to take it to the council, where else shall i stick it?

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Having Fun With Debitas:

(something I found on tinters)

 

> Debitas: Hello can I speak to Mr X

> Me: You are

> Debitas: Ok, can you confirm your date of birth

> Me: Nope

> Debitas: Sorry

> Me: You're forgiven

> Debitas: Sorry

> Me: ...

> Debitas: I guess you know what this is about - call us back (hangs up)

 

 

> Call 2:

> Debitas: Hello can I speak to Mr X

> Me: Who?

> Debitas: Mr X

> Me: Why would you like to speak to him?

> Debitas: Sorry...?

> Me: You're forgiven

> Debitas: Is this Mr X

> Me: Oh, well why don't you tell me your name first

> Debitas: That's irrelevant

> Me: But if you want to get to know me then it's only right I get to

> know you as well

> Debitas: (hangs up)

 

 

> Call 3:

> Debitas: Hello, can I speak to Mr X

> Me: He's dead

> Debitas: Oh, can you send us a copy of the death certificate?

> Me: Nope - I don't know who you are

> Debitas: We are Debitas Legal Services part of the capital one group

> Me: And...?

> Debitas: Erm, give me a sec (hangs up)

 

 

> Call 4:

> Debitas: Hello, can I...

> Me: (interupting) I was just sleeping

> Debitas: Can I speak to...

> Me: (interupting) What, I'm going back to sleep (hangs up)

 

 

> Call 5:

> Debitas: Hello, can I speak to Mr X

> Me: Only if I can speak to Santa Claus

> Debitas: Sorry (hangs up)

 

> Me: Why hello Debitas, I was worried about you

> Debitas: Can I speak to Mr X

> Me: Where have you been, you've not called since last night

> Debitas: Can I speak to Mr X please

> Me: But you haven't explained why you didn't call me

> Debitas: Sorry

> Me: Well it's been 12 hours since your last call

> Debitas: Are you Mr X?

> Me: What does your screen tell you?

> Debitas: I need to confirm some security questions

> Me: That's nice

> Debitas: Can you confirm your date of birth?

> Me: Maybe - can you ask me nicely

> Debitas: I'll call you back in 20 mins (hangs up)

 

 

> Debitas: Hello, can I speak to Mr X?

> Me: Who?

> Debitas: Mr X

> Me: And why do you want to speak to him

> Debitas: That's confidential

> Me: So are his whereabouts so we're at a stalemate aren't we?

> Debitas: Erm.......(hangs up)

 

 

> Me: Oh thank goodness you called

> Debitas: Can I speak to Mr X please?

> Me: Who is calling?

> Debitas: Debitas

> Me: Why are you calling

> Debitas: To discuss an outstanding capital one debt

> Me: Thank you for breaching the DPA - this call has been recorded

> (hangs up)

 

> Debitas: Can I speak to Mr X please?

> Me: Maybe

> Debitas: Can you confirm your date of birth?

> Me: 25/12/00

> Debitas: Sorry

> Me: 25/12/00 - I am Jesus

> Debitas: Sorry

> Me: That's Ok, I forgive all sins

> Debitas: Is this Mr X

> Me: You are speaking to Jesus

> Debitas: Urm.....(hangs up)

 

 

> Me: Hello, Napolean Bonepart speaking

> Debitas: Can I speak to Mr X

> Me: No, you're speaking to Napolean Bonepart

> Debitas: Is Mr X there?

> Me: Yes, he's being sedated, I am Napolean

> Debitas: Can you ask Mr X to call us

> Me: Do you speak French

> Debitas: Erm, No

> Me: pourquoi vous n'allez pas bâton votre tête vers le haut de votre

> fond (why don't you go stick your head up your bottom)

> Debitas: Sorry, I don't speak French

> Me: I AM NAPOLEAN!!

> Debitas: .... (hangs up)

 

 

> Me: Hello, Mr X speaking

> Debitas: Is that Mr X?

> Me: No, it's Mr X

> Debitas: Can you tell me your date of birth

> Me: Only if you tell me yours

> Debitas: I can see you're not willing to help yourself

> Me: Help myself to what? Are yu giving something away?

> Debitas: We'll call you back (hangs up)

 

 

> Me: Hello

> Debitas: Can I speak to Mr X

> Me: You'll have to speak up, I lost my hearing aid

> Debitas: (shouting) Can I speak to Mr X

> Me: Speaking - how can I help you

> Debitas: This is Mr Y from Debitas

> Me: Sorry - speak up

> Debitas: (shouting) This is Mr Y from Debitas, I need you to pass some

> security questions

> Me: That's nice

> Debitas: Can you confirm your date of birth and post code?

> Me: Sorry - speak up boy!

> Debitas: Can you confirm your date of birth and post code?

> Me: I don't really want to

> Debitas: If it makes you feel any better, these details are available

> to the public on the electoral role

> Me: Great! Why don't you confirm my details there and call me back!!

> Debitas: How is that confirming your identity?

> Me: Speak up

> Debitas: (shouting) How is that confirming your identity

> Me: I don't need to confirm my identity - I know who I am

> Debitas: Right Mr X, I assume you know what this is about, have you

> received our letters?

> Me: Oh hang on, I've just found my hearing aid

> Debitas: You are not helping yourself and you'll learn this in the

> future

> Me: Oh dear - are you gonna send the boys around?

> Debitas: A bailiff may be sent around

> Me: Oh I hope he's the rugby type - does he have a firm bum?

> Debitas: Keep your mobile on Mr X (hangs up)

 

 

 

> Me: Hello, thank you for calling Mr X, Calls may be recorded for

> quality and monitoring purposes. Please select from the following

> options to continue...

> Debitas: (silence)

> Me: Press 1 if you are a moron, Press 2 if you are cute, Press 3 if

> you'd like some money, Press 4 if you'd like to give me some money or

> press the hash key to get high

> Debitas: (a button is pressed)

> Me: (hangs up)

 

Just realised that there are stacks of these, so will leave the link for you to peruse at your leisure,:D Which emergency service do you require! Sweet:lol:

Debitas, found on a financial web site - alt.clearing.technology | Google Groups

 

Thanks i have had lots of ideas for anyone wanting money who calls

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Hi there everyone,

 

I have been reading bits and bobs from this lovely examples of how to answer their calls.

 

To tell you the truth I have avoided these kind of things (their calls) as I have changed the number. :p

Why would i be bother to talk to the thieves when all they do is printing automated computer letters and really they wouldn't even know what is printed!

Not to mention about the law....

On one point I thought that they will reply with these kind of letters just to have free lessons from us (this site) so they do not have to pay for the training:eek:.

 

I am rather amazed of how this financial institutions are ripping us off just because they would like to apply charges whenever they feel like and how much they like.

 

Anyway, let's enjoy this Xmas to the maximum.

Have a good xmas out there everyone and good rest for the next rounds.

 

It was once said: Divide et Impera..that is what they wanted..............but we now say:

 

United Kindom it is, United we stand!

 

 

DD:cool:

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white comfy knickers.

 

Syco seems about right for Simon Cowell

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Whatchya testing car2403? :p

If in doubt, contact a qualified insured legal professional (or my wife... she knows EVERYTHING)

 

Or send a cheque or postal order payable to Reclaim the Right Ltd.

to

923 Finchley Road London NW11 7PE

 

 

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Please dont tell me Capquest are now a public limited company

 

 

For your information:- Noted as : - Capquest Debt Recovery Limited, Registeration No: - 3772278. CC Act licence No: - 475757, straight off one of their letter Heads.

 

 

Regards Mike.

imageresizer.jpg

:mad2::-x:jaw::sad:
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me too :p

________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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Today I'm wearig black lacy ones :D

 

:D

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If capquest are a plc, I must buy a few shares

and then be a most difficult person at the annual meeting

 

Perhaps we could all chip in and make CAG members the majority shareholder.

 

Regards.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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