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    • One of the things that we will need to discover through a statutory subject access request is how they verified the identity of this mystery person. Presumably that person couldn't actually give any ID so does that mean that the inspectors simply took her word for it? It will be useful to know the answers to these questions because all of these companies have duties to process your personal data accurately. If they failed to do that then they could be liable to you for the distress caused as well as any other damage. I'm just trying to envisage a scenario where a ticket inspector stops a young woman who then says that she's been travelling without a ticket. The inspector asks her her name and address and she gives the false name and address. The inspector then asks her to verify this by identification. The woman then says that she is not carrying anything with her. What happens at that point? How does it work? Does the inspector then have to take your word for it and warn her that she will be contacted with a possible sanction? If that's as far as it goes, then it seems a bit ridiculous to me that you stop somebody for travelling without a ticket – evident dishonesty. Then they give the controller their name and address which can't be verified and so the controller has to accept that and on that basis a procedure is started against the named person on the basis that the contact details which were given at the time must be true – even though that person has already demonstrated their dishonesty by travelling without a ticket. Or, are we going to find – if there is a statutory disclosure, that this person is travelling around with some documentation which identifies her as you, your husband or one of your two daughters? Which of course would be very much more serious. This is why we want a list of the rail companies – as much information as possible so that we can start forcing them to disclose information about how this all occurred. I will also be interested in sending an SAR to action fraud to see what they have done with your allegation which you made some time ago and about which you never heard anything further.
    • Evening all,   Right, just spoke to my SIL at length.....................   In response to Andy's question regarding T's & C's, that answer remains the same. The staff MORE cards and general public's cards both had the same T's & C's.   As for when he started the unofficial swiping practice, his best guesstimate is around September 2015.   Another development during our conversation, I asked him if he ever asked customers for their permission to swipe his card to claim their unclaimed points. He said he never actually asked but some regulars would forget their cards sometimes and tell him to take the points. Also, Stonegate would sometimes have promotions like half price food and drinks etc. However to claim the offer you had to have a MORE card. Again, if regulars had forgotten their MORE card he would use his for them to get the offers. I know this doesn't help his cause but in case its relevant I thought I'd offer it up.   I have impressed upon him the urgency of this now so if any more info is required just ask and I will get it.   Cheers
    • The company is called Robinson Way, it was a Barclaycard credit card.   I  moved about 12 months after Barclaycard stopped replying to my letters (re the charges, 2013) - so I did not tell them about my moving, but at the time of the original debt I was living back with my folks; so this most recent letter was sent to there, and my folks forwarded it to me - and likewise, if they had sent me anything in the interim it would have been forwarded to me.
    • I do agree with you.How sad I am right now . I wish I could go back. Mg7  
    • No way I will be doing this again. The way I’m feeling now. stealing doesn’t pay what I’m going through right now , it’s really hard. I wish I could have learned the first time. thank you for your help.   mg7  
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You'll get to see the real me dancing in my next video. I'm 20% finished so far, but it is a music video and it takes ages to get everything timed to the music and lyrics.

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 found this on the net and thought it would be good to send to all our favourite DCAs

Customer Happiness Training Courses

Brought to you by [YOUR NAME]

Don’t delay, return this form today!

 

Today’s Date: / /

 

This is an agreement between …………………………. Hereinafter referred to as ‘The Customer’ and …………………….. Hereinafter referred to as ‘The Trainer’.

 

Training will commence every Monday morning at 6am sharp. The Customer agrees to pay The Trainer £100.00 per session for each member of staff, hereinafter referred to as ‘a Trainee’ that attends. The customer agrees to send a minimum of 6 members of staff per course.

 

Customer Happiness Training courses are aimed at improving customer experiences when your customers come into contact with your staff. Here at the Customer Happiness Training centre, we pride ourselves on training your staff in being nice to customers and more importantly, being genuinely helpful in a way that benefits your customers.

 

Very often, company staff who work in the financial industry find themselves under pressure from their employers to pursue their customers for as much money as they can get out of them, whether that be selling them something they don’t want or need, or just chasing them for all those late payment and over limit charges.

 

Here at Customer Happiness Training, we appreciate that it can be difficult for your staff to persuade a customer on the telephone that it is more important to pay hundreds of pounds in charges to a financial corporation who they are already bailing out with their taxes in order to support multi million pound pensions for directors, rather than feed and clothe their children.

In these situations, your staff may find themselves facing often angry or upset customers from time to time and Customer Happiness Training can greatly improve your staff’s relationship with these customers. Our techniques will show them how to be truly helpful and keep such customers happy.

 

On some occasions, where a trainee has used our training methods to help their customers in a way that may not be in accordance with The Customer’s company policy. The Customer agrees that The Trainer bares no responsibility for any such conflicts, as it is unreasonable to expect The Trainer to be aware of all company policies whether stated or implied.

 

Training sessions last 30 minutes, with a 10 minute tea break at the end.

 

In the event of a Trainee arriving late, the training session will be delayed. Charging is structured in blocks of 5 minutes. The Customer agrees to pay £10.00 per Trainee for each 5 minutes the training course runs over time due to delays.

 

I Agree to the terms as set our above

Signed

 

……………………………………. Date: / /

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lol i like that Rev.

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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Happened to get a phone call from a Virginmedia monkey wanting me to pay up. Call went like this

 

VM - is Sillygilrl1 there

Me - Why

VM - You need to pay us some money

Me - Read your screen notes, I get paid tomorrow

VM - Why cant we be paid today - you owe the money

Me - Read your screen notes, goodbye.

 

I am now composing a shirty email to VM about this as I sorted out everything last week... seems they suffer from the left hand computer not telling the right hand computer to STOP.

 

Its already cost Sky about £300 allegedly outstanding which wasnt as they didnt stop ALL my account when I moved, only stopped multiroom and not the whole thing!

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I would never ever deal with Virgin Media because they're s...e.

 

Five phone calls it took me just to cancel the thing (pre-CAG days), because of their worse than useless broadband connection.

 

The amount of junk mail I get from them persuading me to go back is unreal. At least they learned quickly not to phone, after they were told in no uncertain terms what they could do with their retention deal.

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Thats funny as l have had more problems with every company but VM.

 

My connection date got cancelled by them they compensateted me. Then rearranged it for the following week. Was suspose to be on a deal were l get all the packages. they accidently put the BB seperate so when the tv and phone got canelled we kept the bb. turns out were paying less now for the bb than we would have been in on the package.

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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Not often I come on here to support a company but speak as you find.

Been with VM 5 years now and they have been great.

Wish I could say the same about British Gas.

No gas at my home but they send me an estimated bill from time to time (last one was for £93.00), when I don’t pay they send reminder, letter before action ect., ignore my letters and in the end I have to phone them and pay for the call. The last excuse I got was “the computer estimates on an average of gas used in previous quarters.” She didn’t know how the computer worked out an average of zero as £93.00.

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Excalty rev. Ive been with VM for 3 nearly 4 years and had not one problem, well a lie but that wa not really there fault that was vandalism, was with BT previously and they was trying to charge us a extorniate amount for being with them. they wanted £55 a month for just the BB then on top of that the phone line and calls came to £120 a month. F off they were told.

 

Sky was awful. I refused to pay the bill due to not having a adequate service.

Tiscalli are a bunch of ripoffs had a DD with them they never told us when it was comming out and never took it on the same day each month. I could have just paid one months when they would try and take another. Refused to pay as they would always put us over drawn. i consider the matter closed.

 

the only major problem i had with VM is when they stopped sending us bills and were would need to ring them up we could spend up to an hour on hold the be cut off due to waiting to long. They eventually admitted they had not sent bills and said we will refund your charges and re connect you if you dont complain.

 

Since then we had a bills but have now changed over to internet billing to save us £5 a month and pay by standing order every 28 days.

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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letter received from DCA stating "opportunity to save 20%, blah blah blah pay this amount" on a disputed account.

 

I wrote back stating "Opportunity to save 100% EMBARASSMENT" provide a credit agreement!!

 

 

Love that

 

Had chance to say something like that at my local Court last week filed a N1 the clerk was so snotty and told me she couldn`t accept the form as I didn`t state the value of the claim she wasn`t having any of it she sarcastically smiled at me and said "I think you need a solicitor" went back next day armed with evidence off their own HMCS web site stating that what I had said was correct and that you don`t need to state a value. Sadly snotty wasn`t on and the girl that was was full of apologies and requested to photocopy my proof at to what I had said the day before was correct she said the staff needed to check their facts more. I asked her to tell snotty that whilst I don`t in fact need a solicitor that she does in fact need some retraining !!!!:D

Edited by Laura Cooke
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Excellent work!

 

I'm trying to see if I can break the record of keeping a Collection Weasel on the line for more than my current record - 11 minutes! I'm struggling to keep them on more than five minutes before they get bored and hang up (the cheek of it!). I think the trick is to lead them on by telling them every couple of minutes that you're still trying to find them (or whatever suits).

 

Nearly the shortest call ever this afternoon:

 

Cap1: Hi can I speak to Mrs X?

Raven: Who is it?

Cap1: It's a Capital One weasel.

Raven (in camp voice): Oh Capital One, I am disappointed!

Cap1: Sorry?

Raven: Well you never called me on Valentine's Day, I really missed you and your soothing tones....

:-D

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letter received from DCA stating "opportunity to save 20%, blah blah blah pay this amount" on a disputed account.

 

I wrote back stating "Opportunity to save 100% EMBARASSMENT" provide a credit agreement!!

 

Love it!!

 

I can see that idea being copied.....nice one!

My advice is based on my opinion, my experience and my education. I do not profess to be an expert in any given field. If requested, I will provide a link where possible to relevant legislation or guidance, so that advice provided can be confirmed and I do encourage others to follow those links for their own peace of mind. Sometimes my advice is not what people necesserily want to hear, but I will advise on facts as I know them - although it may not be what a person wants to hear it helps to know where you stand. Advice on the internet should never be a substitute for advice from your own legal professional with full knowledge of your individual case.

 

 

Please do not seek, offer or produce advice on a consumer issue via private message; it is against

forum rules to advise via private message, therefore pm's requesting private advice will not receive a response.

(exceptions for prior authorisation)

 

 

 

 

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Any suggestions for getting rid of a door step knocker representing the council (i.e. the DCA) who has "arranged" an appointment for Wednesday?

 

I've been paying a major excess for months on this but the council just kept allocating this nonsense to the arrears and took me to the magistrates again even though it was quite clear i'd been clearing it. Thought of putting my coat on and taking him down to the greasy spoon to sort it out rather than the usual can we come in and discuss while we levy goods.

 

Apologies for mini hijack but the greasy spoon quip keeps it just within bounds!??

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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  • 2 weeks later...

I do like the "weasels" calling on a weekend, as I means I can answer and have a bit of fun with them :-).

 

Vanquis have started to call us again, it's been quiet for a couple of weeks since we complained and they are investigating (supposedly). I gets a call from an 08000 number (which I find to be them), but all I can hear is Asian accents talking in the background - even ringing a bike bell into the phone doesn't rouse them! After a minute and a half, the phone cuts off. So, I track down their other number, as dialling the 08000 number tells me "they're closed" (?). For those who want to play along, the number to call is 01634 816312, which is the geographic number for card services. Remember to put 141 in before, so you come up withheld.

 

After confusing the automated sytem by repeatedly hitting *# at the prompts, I get through to a female English calls weasel: (here follows a summary of the call)

 

Vanquis: Can I take your 16 digit account number?

Raven: I don't have one of them.

Vanquis: Sorry?

Raven: I don't have an account, it's regarding a crank call your company made to me, and I tracked down this number.

Vanquis: OK, carry on, what's the problem?

Raven: Well I've just had a silent call from one of your numbers, and no-one would talk to me for a minute and a half. We've sent letters to tell you to stop calling us.

Vanquis: Have you got an account? They must have had a reason to call?

Raven: My Wife has, but she's specifically told you not to call, as she has severe nervous issues and can't talk on the phone.

Vanquis: Is she there to talk to? I can't talk to you regarding someone else's account {Note: Did she not understand what I just said?!?}

Raven: No, she's out. But I know she's told you not to call us, I wrote her several letters to send you.

Vanquis: Well there must be a reason that they called - they'll want to talk to her about something.

Raven: So why not write to her? She doesn't want you to call. It's affecting the whole family you know. And I know she's paid up this month, so it can't be that.

Vanquis: Oh, we don't write - we only call.

Raven: What, even when you're told not to?

Vanquis: Well if you send us a letter giving your reasons why....

Raven: Like the letters we sent on and ? We haven't heard back form you yet.

Vanquis: It might take up to three weeks for a reply.

Raven: It's been three weeks, I bet you won't reply.

Vanquis: {U-turn alert!:eek:} Oh, but it could take up to six weeks... but we'll get back to you.

Raven: OK, I'll wait for that then, but you still shouldn't be calling. Can't you write to her?

Vanquis: Like I say, there must be a reason, and we don't write to custumers, we prefer to call them.

Raven: Is that because then there is no proof of the harassment?

Vanquis : It's not harassment, we're allowed to call you once a day...

Raven: Oh really? Even though we've said it is so, under the PfH Act 1997 - it's affecting the whole family you know.

 

 

Raven: You know, I think your telephone system is an embarrasment to your company, you should get it fixed.

Vanquis: Embarrasment? What do you mean?

Raven: If I ran a company that dialled a customer up, then either went blank, or hang up, I'd be seriously embarrassed. It's not a good way to treat your victims... I mean, er, customers.

Vanquis: It's because it's on an autodialler, if you don't pick up it will ring off.

Raven: That's quite embarrasing . Those autodiallers are a bit, naughty aren't they?

Vanquis: Not that I know of.

Raven: Well, I'd better end the call now, it's apparent that you can't do anything about it from your end, and even though I've managed to waste seven minutes of your life like you lot waste mine, I've got more important things to do. Thank you for the chat, it's been quite a pleasure actually...

 

I think I'll persevere with this line of cheekyness, now I know how to circumvent the automatic menus, I'll have a crack at Cap One, too, possibly see how long I can keep them on for.

 

P.S.: Isn't anyone else baiting DCAs at the minute? We need to waste more of their time...

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as the mods would say do not feed the troll. Sorry my troll image wont work so imagine its a DCA threat monkey when they are not getting there own way

spit-the-dummy.jpg

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 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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