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    • Thanks for your reply dx    no I haven’t moved, in all honestly I don’t think they have sent the NOA, hence why I have asked for proof. It was suspicious on the phone as they couldn’t find the letter and then couldn’t attach it to an email    I have no problem paying the £75 if they prove they sent it.    im disputing the £235 as I don’t think they’ve follow the COVID guidelines either. I’m at work and my sister answered the door who is deemed vulnerable and is shielding. I would have told them that if they done a risk assessment (I believe the ministry of justice require it)    im a little confused with what you mean by the NOA running out? They have told me they sent it on the 14th? 
    • Well, I'm being pedantic but I think they're using the wrong term.   Link to the Money Advice Service on salary sacrifice below. It doesn't sound like what you're doing.   https://www.moneyadviceservice.org.uk/en/articles/salary-sacrifice-schemes   HB
    • can you please refrain from using any hosting sites now please   read our upload guide carefully (esp about using pdfreducer websites) and pop the PDF up here.   can you also rotate the images!!   thank you
    • can't see how you can owe the £235 fee, just because of an error their way that ran the 7 days out because you didn't pay the £75 NOA fee in time. you need to confirm the address the NOA was sent too , thats all. have you moved since the fine was issued?   please be very careful about following advice on some bailiff sites, they can be very misleading at the best of times. if you've not moved, then there can't be any real dispute about not receiving the NOA, letters are deemed received 2 days after posting regardless.   i think you need to get WRITING to the company, offer the £75 . 
    • So after requesting a new SAR this is what we received. Can anyone shed some light on what I could do with these figures?  https://drive.google.com/file/d/1PLDAGPrHWMrmqhiu6CDA3Vxg1w8NYQqI/view?usp=sharing   (There is no sensitive info on this link)  Can anyone Help? 
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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I'll leave someone else to inform 1st Credit - I prefer to have as little to do with them as possible.

 

There are others who have more reason to stick one on 1st Credit - so I'll let someone else have that honour.

 

Besides, we're doing Mr Weeks a favour - if he doesn't like the job, he doesn't have to do it.

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One of the quotes on Matt Weeks’ (one of the employees) page.

 

“Trace clever people who manage to escape debt. Sit bored out of your mind 24/7 praying for the weekend to come - its a load of w**k!”

 

Wonder if his employers have seen that.

 

Well it would be nice to see that his employers do see that remark!!! reminds me about a worker on Facebook saying he was pulling a sick day is employer read it and told him to carry on being sick as he was fired, seriously some of the staff at these dca`s must be bored to tears as can`t see them having a great deal to do lol at my daughters company if you are caught on Facebook it`s curtains!!!

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Had to join this game as I'm getting a lot of calls for the OH. Most of the catalogues stopped calling when we sent the Harassment Letter.

 

However Vanquis and Crap1 haven't, and keep calling every day, even though the bill isn't due. Most of the time I won't answer calls that are from them, neither will OH. However, occasionally I'm in the mood for a bit of baiting...

 

Last night's call from Vanquis is probably untypable after she got shirty about me preaching the "Acts of the Harassment", but tonight I was waiting for a call.... Capital One obliged:

 

***phone rings***

(I always pick phone up and stay silent, wait to hear any noise to decide who it is. No noise - must be a call centre then. Finally...)

Crap1: Hello?

Raven: Hello?

Crap1: Hello, could I speak to Mrs XX please?

Raven: Certainly, who's speaking?

Crap1: It's from Capital One

Raven: Oh, OK. Hold on while I get her.

Raven: Hello, I'm sorry, just trying to find her, bear with me...

Crap1: Oh OK.

Raven: Hello again, sorry about this, I really can't find her, give me a minute...

Raven: Hello again, I've just sent her a text message, and she's texted back asking me to remind you about the letter she sent a couple of weeks ago.

Crap1: OK, but I can't speak to you about this Sir, I can only talk to Mrs xx about matters relating to the account. Perhaps I should call back another time...

Raven (interrupting): Ah! Wait a minute! I know what the letter was now! I had something with these calls - may I ask... do you know about S2, of the Protection from Harassment Act 1997 or the Telecommunications Act 2003?

Crap1: erm...

Raven (interrupting again): Well, these calls are in breach of those acts and we've told you to stop. We asked you to contact us by letter, I don't mind that, at least I can use them on the fire to warm me up, but no phone calls... they're getting beyond a joke

Crap1: erm...

Raven: And by the way, I thought I'd keep you on hold for over 10 minutes so I could waste your time and you couldn't harass anyone else, the wife isn't even in the house! ha! Have a good day, hope not to hear from you again.

 

OK, so it's not up to Fuzzybobble's standards, but it's a start. I'll improve over time, but it was interesting to see how long I could keep her on the line. I got bored after 11m37sec. Hope she doesn't meet her calling targets today.:razz:

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Well. You say it may not be up to Fuzzybobble's standards bit I'm not so sure. The very idea of slowing down their phone operation to an almost grinding halt seems brilliant to me....This must be general advice to all recipients of the intrusive bullying phone calls. Perhaps a mod could post a sticky on this. Their call, their time on hold...lovely...

 

Raven, you have just seen a way of really messing with them. Most people are usually desperate. I take my hat off to you!

 

PS why so few posts? We could do with this kind of stuff a little bit more frequently!

Edited by enoughisenough

Keep the faith. EiE.

 

Capstone Mortgage 'Services' - Sub-prime garbage - unlawful behaviour/MULTIPLE consumer abuse, TOTALLY in Defiance of REGULATIONS and the law

 

http://www.fsa.gov.uk/pubs/final/gmac_rfc.pdf

 

CONTACT CIB Here

 

http://www.insolvency.gov.uk/Complaintformcib.Htm

 

Kevin Hughes(Compliance Manager-main) @ 02920 380 633

 

Lee Jenkins(prosecuting Amany Attia) 02920 380 643

 

Mark Youde(accounts compliance) 02920 380 955

 

Charlotte Allan @ 0207 596 6108 investigating all the Lehman lenders

 

Jeremy Pilcher 0207 637 6231

 

NO KAGGA LEFT BEHIND...

 

"We would not seek a battle, as we are; Nor, as we are, we say we will not shun it"

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That is well up to standard. :D If you phone them on a mobile (set it so it shows your number as witheld, or use a new sim card just for DCA use), you can record the call. Most phones made in the last 3 years can do this. If you need any help with editing personal details from the recording and how to put the call on here send me a Private Message. I'd be more than happy to help you out.

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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Why thank you to you both!

 

I do like the idea of wasting their time - it's what they do to us.... you just got to keep them hanging by returning to the phone every so often. I do need to get my "hold music" out. It's on a tape somewhere, and I kept my little tape recorder by the phone for that purpose.

 

Ah, yes, mobile phone recordings - well my phone is under 3 years old (just), and will record if I remember how to. Shame most of the calls are to the landline, they just text the OH's mobile... I did use some software ages ago when posing as my solicitor, Bob Raven:cool:, so I'll dig that out too, only works on outgoing calls though. I'll have to get in touch with you on how to upload onto the site though...

 

As for not having many posts, well I'm more noticable/notorious on another forum (some of you may know me), so I only really posted on here occasionally. Took a "sabattical" away from the whole charges/debt/consumer advice for a while as well, as I need to sort my own issues out first, but I'm getting back on the "game" again.

 

NEXT PLOT: How to make use of the Homer Simpson Soundboard I found on the net.... :D

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Nice to see this thread alive again.

 

M

________________________________________________________________

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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Why thank you to you both!

 

I do like the idea of wasting their time - it's what they do to us.... you just got to keep them hanging by returning to the phone every so often. I do need to get my "hold music" out. It's on a tape somewhere, and I kept my little tape recorder by the phone for that purpose.

 

Ah, yes, mobile phone recordings - well my phone is under 3 years old (just), and will record if I remember how to. Shame most of the calls are to the landline, they just text the OH's mobile... I did use some software ages ago when posing as my solicitor, Bob Raven:cool:, so I'll dig that out too, only works on outgoing calls though. I'll have to get in touch with you on how to upload onto the site though...

 

As for not having many posts, well I'm more noticable/notorious on another forum (some of you may know me), so I only really posted on here occasionally. Took a "sabattical" away from the whole charges/debt/consumer advice for a while as well, as I need to sort my own issues out first, but I'm getting back on the "game" again.

 

NEXT PLOT: How to make use of the Homer Simpson Soundboard I found on the net.... :D

 

I've had some fun with soundboards.

 

 

Also have some Borat, and Sesame Street soundboards calling Capital One but I need to make videos for them first.

 

As for uploading calls to CAG, if you send me a PM with what you have planned and I'll give you my email address to send the files to. I'm all set up for audio editing, etc as I do loads of stuff for local bands, schools, and theatre groups.

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,i checked some of those dca's on facebook,omg, eversheds llp

a partner there was made prince charles "ambassador" for 2009...wait for it.....for his commitment to"responsible business" lolol

 

Quite understandable though. Prince Charles is an inbread moronic loon who talks to plants, and needs someone to dress him in the morning. One of my family's friends works at Buck House and says he even has 5 boiled eggs brought to his breakfast table and he chooses which one he's going to eat. His only job in life is to wait for his mum to die, and even that is in danger because nobody likes him and prince William is likely to be the next unelecected scrounger who pretends to be in charge of us.

 

Total loonies the royals. Just like MP's and anyone daft enough to work for a DCA.

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 the Royals get phased out, then at least we know where they're best suited to work.

 

Not that they ever will do anything that can be described as 'work'.

 

I'll always remember laughing at one press article where Princess Margaret was described as suffering from 'exhaustion'.

 

Well, lifting one's cigarette to one's mouth fairly takes it out of one, doesn't one think?

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What about the queen mother? All she ever did was walk about in a bright blue dress and a hat. Swilling gallons of gin was the only thing she had to put any effort into. But she was good on Spitting Image.

 

They should bring it back in time for the General Election in May. They would have tons of stuff to take the pee out of.

 

And I'm sure they would accept some of the scripts about banks and DCA's I have floating around in my head. ;-)

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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John Cleese said in an American TV interview that some of what's in politics now is more ridiculous and unbelievable than any of the lampoons that Monty Python ever did. And he's right.

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Yep totally agree. Satire is dead, because the subjects of satire now make their own comedy.

 

Just a shame that it's not so entertaining when we have to pay for and suffer the end results of it.

 

And we are paying for it, and will continue paying for it no matter who wins the next election.

 

When I was young I saw painted on the wall outside the supermarket where my parents did their shopping. "No matter who you vote for, the government always wins". I will always remeber it, and at the same time remember eating salt and vineger chip sticks and watching Terry Wogan presenting Blankety Blank.

 

I always wanted a blankety blank cheque book and pen. Things were more simple in those days and people more easily pleased. But then a blankety blank CCA is also fun in a days gone by nostalgic way. :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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My friend always remarked jokingly that the Royals are as much on the make as the rest of the corrupted establishment she said the Queen as 2 surnames Regina & Windsor, 2 birthdays, several homes so she must be on the fiddle lol

 

Her best comment was "What`s that all about the Queen Mother having 3 hip operations and she only has 2 legs"

 

or the other comment off the TV "Doesn`t the Queen Mother look great for 102" my friend said "Well she would wouldn`t she she`s never scrubbed floors or been dragged out of bed at 6 in the morning to be put on a commode by a YTS worker"

 

my friend said "Well Clamidia cleaned up well for her pronuptials always wondered what happened to sheregar"

 

good job we can have a laugh or we`d end up stark raving mad

 

On Edward "Danny La Rue will never be dead whislt Edward`s alive

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Prince Harry always makes me laugh. Especially the pics of him dressed as a Nazi. :lol: £100,000 spent on his education and he gets 2 A levels. One in Art and one in History. Both grade C.

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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And the art one its claimed that he did not do the work the teacher did. Her silence has also alledgely been brought aswell.

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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If I was paying for an at teacher to do my exam work for me. I would want more than a grade C.

 

I got an A in art at school. :D

My best boast is that a friend of mine who is doing media at uni showed some of my videos to his tutor, who couldn't believe I had no formal training in video editing and I had taught myself only a few weeks before. :D But then I do pick things up quickly and love learning new things that interest me.

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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I would also want more than a c grade.

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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Just out of curiosity Laura are you from Stoke on Trent or somewhere around North Staffordshire?

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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No but not a million miles away from there and my Grandfather originates from Cannock

 

I could sell my services to DCA tracing departments lol.

 

What gave it away is North Staffordshire people sometimes write "as" instead of "Has". Mainly because the accent around there they drop the "H" A few of my friends on Facebook do it, but they are all from North Staffordshire.

 

But then I am too. :D

 

Did you know that Market Drayton is the home of Gingerbread? They have a pub there called "The Gingerbread Man" This summer I'm going camping near there and fully intend to have a drink there wearing my costume.

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 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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