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    • Hi, There is quite a lot regarding my current issues, I shall try be as clear and concise as possible. Dec 2008 - unemployed, applied for £250 credit card from Capital One. Jan 2009 - accepted for £1000. Credit card maxed in a matter of days mainly on gambling and drugs. Called after 5 months activation to remind them I was unemployed and the card was unaffordable. Some sort of payment plan arranged which was rarely upheld by myself, sporadic minimal payments. 2010 - credit limit raised to £1600 without my request. Again all spent on gambling and drugs. Vast proportion of spends on statement show gambling sites. Repayments often withdrawals direct from said gambling sites. 2013 - Mother pays off £1400, notes state student, zero income, unaffordable, mother cut up card. Me and my mother ask for account to be closed but this does not show in notes. Called back once to query any PPI. 8 months later promotional material sent to my door advising account has been upgraded, cashback offer, etc. I ticked the box and sent the form back. Requested new 'lost' card. Again spent completely on gambling £1600+. Many payday loans taken out to try pay back. StepChange charity seeked by myself and was paying them back. Had to cancel this repayment plan as I was again unemployed and it was unaffordable. Debt being chased by Apex. Debt returned to Capital One, they send a letter advising it is with them unless notified otherwise. 2016 - Debt sold to Cabot without notification. Apparently Cabot sent a Capital One headed letter through a third party printing company, which was not received. Oct 2016 - Dispute letter sent to Cabot. 2018 - CCJ issued. Call Capital One to request my application form as I was sure I was unemployed and thought I may need evidence for Court. Incorrect documents sent 7 times, speak to manager who suggests sending SAR and raised a complaint for me. Can't believe contents of SAR, various other complaints raised, investigated and rejected by Capital One. Clear written permission to take to Financial Ombudsman. March 2019 - Court, threatened with prison or full in AoE form. Form filled in. £50 a month taken from wages by Morgan Clarke. Disputes raised with Cabot, AoE eventually suspended. Query dispute letter with no response for over 2 years, CCJ is now offered to be removed but they intend to keep the AoE money and offer me minimal compensation. Now major issues with FOS. As some of the complaints relate to over 6 years ago, state they will not investigate, although Capital One have given consent for this, FOs believe this is not consent but a referral. Account balance stands at £1700+ although the value of account minus interest and other (some now illegal) charges, I work out £4.31. No fixed address, they have my mother's where I do stay sometimes, mainly stay at friends, sofa surf, etc. Lots more issues and lots of evidence. Don't know where to turn.  
    • Is there an angle regarding the Consumer Rights Act 2015 ("CRA")? Assuming it might be unfair for Royal Mail to hide behind not entering into a contract for the purpose of limiting their liability.   From 1 October 2015, the CRA covers all aspects of unfair terms in business-to-consumer contracts which had previously been covered by UCTA and the Unfair Terms in Consumer Contracts Regulations 1999.  It deals with implied terms in relation to the quality of goods and services, including digital content, and regulates attempts on the part of a trader to exclude its liability for breach.  The CRA also introduced a "fairness" test.  Any term which causes "a significant imbalance" in the parties' respective positions, to the detriment of the consumer and in a way which is contrary to the requirement of good faith, will be regarded as "unfair".   A term that is "unfair" is not binding on the consumer, and the consumer can treat it as struck out of the contract. The remainder of the contract will stand if it is capable of doing so according to the usual principles of severability.
    • scan or keep everything they have  6yrs. do not move without informing them.    
    • Just an update.. Final Payment was due 19.11.2019. Its now 18 days since then and no letters or mails. Not sure if they have given up or are spending time thinking on other ways to threaten... Thanks for following this and I hope it helps anyone else facing the same issues..   Rgds Tom
    • I did notice it wasn’t from the actual Solictors who sent the pap form
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mr.ton

Cheekiness towards a DCA

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What about a CT appreciation website? One that looks rather similar, has all the keywords to get it showing in Google etc., but that has an alternative forum? :D

The domain name crudittotday.co.uk seems suitable and is available!


Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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Righto. :D I see that as a challenge.

 

Let's see who's the first Cagger to register and post something.

 

Infiltration is my middle name.

 

Well I've still got an account, but it's in my real name and that would be a bit of a giveaway at the moment. I'll bide my time - maybe stalk big Ron a bit.

 

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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Members have to have their accounts upgraded on there now :-o

Oh well at least Ron is now a marked man ;)

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Well if you have to mess around emailing to get on their forums, then even less will post on there. Ron will have nobody to boast to.

 

CAG wins again. :D


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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What about a CT appreciation website? One that looks rather similar, has all the keywords to get it showing in Google etc., but that has an alternative forum? :D

The domain name crudittotday.co.uk seems suitable and is available!

 

Not any more its not:D its mine for the next two years, so how best to use it is the next question, i could have a forum up and running in a day or two:cool:


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Mr Ton, Fuzzy, looks like we will all be having a '2,000' posts party soon.

 

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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Mr Ton, Fuzzy, looks like we will all be having a '2,000' posts party soon.

 

Fred

 

Still 81 posts to go before we get to that stage Fred :)

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Not any more its not:D its mine for the next two years, so how best to use it is the next question, i could have a forum up and running in a day or two:cool:

 

Make sure its designed in exactly the same way as the real credit today forum & one of us can post on there as Ron :D

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Mr Ton, Fuzzy, looks like we will all be having a '2,000' posts party soon.

 

Fred

 

Yep, amazing how we all hit the 2000 posts landmark at the same time. Then in Feb it's this threads 1st birthday, and likely to hit the 100,000 viewings too. :D

 

We're going to have to do something a bit special for the 1st Birthday of this thread. It's too much of an important event to let it pass with just a few posts to celebrate.


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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Make sure its designed in exactly the same way as the real credit today forum & one of us can post on there as Ron :D

 

well we have to be mindfull of copyright, but that does not apply to Ron, just the site:p


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I bet Ron has a moustache. And wears ill fitting grey suits.


Which DCA should we bring down first?

 

Answers on a postcard :D

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well we have to be mindfull of copyright, but that does not apply to Ron, just the site:p

 

Be good to have Crudit Today awards for 2009 too.

 

The tickets are £3-50 each and will be held at Maccy D's

 

Lots of articles about DCA's being crap, etc. Articles about the OFT slapping them.

 

In fact anything that shows the credit industry in a bad light should go on there.

 

Whats the betting we get higher ranked on google than the real site? :D:D

 

Feel free to use any of my videos on the site too.


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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Still 81 posts to go before we get to that stage Fred :)

 

80 now and this one takes me one closer!

 

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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Ron has an image of himself on a site somewhere, cant recall what one it was now?

Im sure someone will find it ;)

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Make sure its designed in exactly the same way as the real credit today forum & one of us can post on there as Ron :D

 

I don't do a very good impression of a big fat lump of big-headed lard, so maybe we should invite the man himself on as a guest. We can then hurl virtual tomatoes and rotten eggs at him.

 

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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Be good to have Crudit Today awards for 2009 too.

 

The tickets are £3-50 each and will be held at Maccy D's

 

Lots of articles about DCA's being crap, etc. Articles about the OFT slapping them.

 

In fact anything that shows the credit industry in a bad light should go on there.

 

Whats the betting we get higher ranked on google than the real site? :D:D

 

Feel free to use any of my videos on the site too.

 

Errm i may have got the domain but its a joint effort, so any input will be considered, as long as we cant get sued......... i cant afford that:p


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I think Ron's company is called "Bridisco Ltd" or something similar to that?

 

Im sure Caggers can find out the company phone number & address ;)

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Errm i may have got the domain but its a joint effort, so any input will be considered, as long as we cant get sued......... i cant afford that:p

 

 

No need to worry about getting sued.

 

Just put, "THIS WEBSITE IS VALID EVEN IF NOT READ BY YOU" on it.

 

Should do the trick ;)


Which DCA should we bring down first?

 

Answers on a postcard :D

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Credit Jobs

 

Posted: 07/01/09

 

Job Title:Collections Team Leader

Job Type:Permanent

Salary:OTE £35,000about16.gifIndustry Sector:Debt Collection

Location:Essex - Kent Bordersabout16.gifJob Description:

1. Manage a team of Account Officers (AO’s). 2. Responsible for the performance of the team and team members to achieve goals. 3. Responsible for identifying any issues within the business and proposing viable solutions to management. 4. Responsible for mentoring and coaching newly trained staff on their exit from Development and onwards to achieve performance expectations. 5. Responsible for identifying under-performers and providing intensive coaching to help them achieve the expected levels of performance. 6. Motivate team members through daily feedback on performance, along with any bonus incentives that are run from time-to-time. 7. Undertake performance reviews for the individual team members on a monthly/quarterly/yearly basis as specified by the Business. 8. Assist with recruitment, induction and ongoing training, identifying needs and finding solutions.

Contact Details:Name:XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX

 

I spotted this job advert on the Credit Today forum. I'm going out for drinkies soon, so won't have time to apply, but I'm sure there's somebody on here that will.

 

What interests me most is this statement: "Manage a team of Account Officers (AO’s)." AO's - a rather unfortunate choice of acronym don't you think?

Fred

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Edited by MARTIN3030
No personal identifiers please.

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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No need to worry about getting sued.

 

Just put, "THIS WEBSITE IS VALID EVEN IF NOT READ BY YOU" on it.

 

Should do the trick ;)

 

Actually it should be, "This website is not libelous, even if read by you."

 

A nice disclaimer in tiny print at the bottom of the main page should do the trick. Think about what spitting image got away with. If you make it a parody you can get away with a lot more. :D


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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Errm i may have got the domain but its a joint effort, so any input will be considered, as long as we cant get sued......... i cant afford that:p

 

Can't get sued if everything on there is true. :D


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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If you do, send me a copy.

 

Then we can have Uncle Ron, Uncle Bob, Uncle Charles, and Uncle Bryan Carter all appearing a Judge Judy Fuzzybobbling special edition. :D

 

He's got a profile on linkedin.com. I don't have business profile, but I could soon get one. If anybody already has one they could easily do a search.

 

Fred

RON BIDWELL (out of your network)

 

View profile Title:GROUP CREDIT MANAGER at BRIDISCO LIMITEDDemographic Info: Kingston upon Thames, United Kingdom | Consumer Electronics


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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I can just imagine anyone off CAG being sued...we know how to handle DCA's & we sure know how the county court system works :p

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Even more so now -

Credit Today online

...access will only be granted to members of the credit industry and representatives of recognised consumer bodies... :-o

Does this mean they do not recognise the Consumer Action Group as a consumer body ?

 

 

Definately CAG 1 - Credit Online 0. I can't believe they spat their dummy out so quickly.:rolleyes:

 

As for crudittoday.co.uk - lovin' it and look forward to seeing it in all its glory :D

Edited by clemma
grammer!

:)I am not an expert, but I can give good advice about Brighthouse:)

 

Am learning more and more about DCA's too :)

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

 

<------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!

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style="text-align:center;"> Please note that this topic has not had any new posts for the last 3368 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you
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