Jump to content



  • Tweets

  • Recommended Topics

  • Posts

    • I'm afraid these kinds of stories are all too common with this company. The impression is that they're not too interested in installing and maintaining heating systems – but rather the finance behind it. Did you do this on some kind of finance agreement? Was it secured on your property? You seem to be doing everything on the telephone – and I think it's about time you started establishing a paper trail. You may end up having to arrange your own service with their authorised installer and if that doesn't happen then you may end up having to get in your own repair person. Of course ASG will then say that you are in breach of their warranty et cetera and that they are entitled to recover all their money back. You will have to show that you are a paper trail in them on notice and that they're not responding and then eventually you had to take matters in your own hands and organise your own repair – for which you would be going to them for reimbursement and also you would have to establish that you had no choice and they are fully liable – including the not allowed to dishonour a warranty. I'm afraid the stories we are getting about this company are dreadful and frankly very distressing
    • i don't think the matter of you were told the Decreasing Term Assurance was compulsory makes any difference, it doesn't detract from the fact the FOS appear to agree that disp does apply and you are out of time .   i don't think there is any harm going to the FOS with it..BUT although, and this twigged my memory about DISP ( which didn't exist then) but the ABI code did, and i believe that doesn't cover your situation, i'e , the fact it was made compulsory is not against any guidelines that were around at the time.   you could drill down on the ABI coding and see what it advised about lenders making DTA compulsory, but sure as eggs is eggs, by 2005, when disp had arrived..all lenders were forced or had stopped long before making any type of life cover compulsory. so they knew their mis-selling of such was on the cards   Critical illness cover (financial-ombudsman.org.uk)  
    • Or try email request.   [email protected] Request for copy of Judgment Copy Judgment [email protected] General correspondence
    • I've just tried to ring. Number 67 in the queue. I'm guessing it's better to call earlier in the day!
    • This stuff really makes me angry, the likes of Step Change masquerade as help, but in reality are locking you in to perpetual debt, that you would be far better off simply ignoring.   Stuff 'em and stop paying, it's long gone off your credit file and invisible to any mortgage lenders.
  • Our picks

    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
        • Haha
        • Like
    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 33 replies

"Your conduct in this matter is unacceptable" Oh dear looks like Reliable are upset....shame


Please note that this topic has not had any new posts for the last 3476 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

Recommended Posts

  • Replies 163
  • Created
  • Last Reply

Top Posters In This Topic

moorreply.jpg

 

 

 

Well that was soooo easy, but just goes to show they dont read what you send them properly, (you need to know what i sent but trust me that reply shows they did not read it correctly, so have made themselves look even dafter :razz:)

 

Wonder what JD-W will come up with next:rolleyes::D

Edited by blind-as-a-bat

Link to post
Share on other sites

Well, they have moorcrap involved...It doesn't get dafter than that :rolleyes:

"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

Link to post
Share on other sites

Well, BAB, it seems as though some progress is being made :D

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites
moorreply.jpg

 

 

 

Well that was soooo easy, but just goes to show they dont read what you send them properly, (you need to know what i sent but trust me that reply shows they did not read it correctly, so have made themselves look even dafter :razz:)

 

Wonder what JD-W will come up with next:rolleyes::D

 

 

I love reading squirming DCA letters like that :lol:

Link to post
Share on other sites
  • 6 months later...

Just thought you all may like an update on this, after admiting in writing they could not persue it through legal channels, they have employed fredricksons who, yep you have guessed it threatened legal action, followed by Brian Carter doing the same:rolleyes:

 

Now I know he will not like my reply, but i have got past careing, and hope he does waste his time and money, as for other reasons, he wont get a bean:p

 

You could say we have reached a state where heads i win, tails he loses;)

 

 

PS ooops, note to self, need to update the links in this thread

Link to post
Share on other sites
Just thought you all may like an update on this, after admiting in writing they could not persue it through legal channels, they have employed fredricksons who, yep you have guessed it threatened legal action, followed by Brian Carter doing the same:rolleyes:

 

Now I know he will not like my reply, but i have got past careing, and hope he does waste his time and money, as for other reasons, he wont get a bean:p

 

You could say we have reached a state where heads i win, tails he loses;)

 

 

PS ooops, note to self, need to update the links in this thread

 

If you wait 7 days good ole Bryan will have applied for Judgement by default with his pals at Northampton

Link to post
Share on other sites
If you wait 7 days good ole Bryan will have applied for Judgement by default with his pals at Northampton

 

Who cares, a bankruptcy petition will lay a CCJ to rest anyway.

 

If it was me who had to fight this i would, but there are two i cant fight, and win even so.

 

But it is not my debt, its my OH and she cannot fight it, for mental health reasons, and thanks to the joke that is the legal system, i cant do it for her as her health problems are not bad enough:rolleyes:

 

That said, i can still win, in a round about way, just hope i can string it out to cost them as much as poss first;)

Link to post
Share on other sites

This thread has certainly made me laugh many times, how dumb can these people be !

 

Well done for carrying on for so long, deffo report them. Even if you are going to apply for BR.

 

:) well done again

Link to post
Share on other sites

Yep, report all DCAs concerned to all arbitration bodies concerned.

 

Then, as your conduct clearly is unacceptable, go and sit on the naughty step - before a collector takes it from you.

 

Reliable cracks me up - that has to be one of the most laughable lines in any DCA correspondence from any company.

Link to post
Share on other sites
  • 7 months later...

Finaly got a reason to dust this of and update, and trust me, this is the iceing on the cake:rolleyes:

 

 

Well, Brian must not have fancied it, but it looks like Moorcroft have lost the plot, after sending this in March last year

 

 

 

 

moorreply.jpg

 

 

 

I got another one of these yesterday.

JDWMoor.jpg

 

 

 

Just when you thought they could not make themselves look any dafter, they do :eek::lol:

Link to post
Share on other sites

if it is not actually read by you --- :D:lol::lol: cracks us up that

 

Should of taken the hint by now there is no paperwork exists, DCAs are not the sharpest of tools

Link to post
Share on other sites

:eek:

 

Dear Moorcroft,

 

You were unable to collect on this account when you were acting for ABC.. what on earth makes you think you can now collect on it acting for CBA.. it is still the same account, and it is still subject to default of s78.

 

Pursuing an account when you know full well it is subject to dispute is in breach of OFT Guidelines. Oh, but you would know that wouldnt you.. because I pointed it out to you the last time... muppets.

 

Yours

 

really, really ticked off.

 

 

:D

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

Get a poster size piece of paper, some large crayons and have some fun :D

"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

Link to post
Share on other sites

Subbing... and thanks for the laugh, needed it today! :D

"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

Link to post
Share on other sites
  • 3 weeks later...
Guest Cartaphilus

The more I keep seeing this thread title the more I keep thinking about what they might do or say:

 

1) Tell someone to go stand on the 'naughty step'

2) Stand in the corner

3) Straight to bed with no porridge

 

Well, you can see ... I hope. :D

Link to post
Share on other sites

cartaphilus you forgot to say that tandrum will only make your punishment go on longer.

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!!'.

Link to post
Share on other sites
Aren't Reliable on the way out? If so, I need to find someone else to laugh at.

 

Really? Please tell me more - I need cheering up.....:D I am in the middle of 8 formal complaints with them not one has been addressed yet and their 20 days to deal with the first couple end on Friday.

Welshwizard QC (Quite Content):rolleyes:

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...