Jump to content


  • Tweets

  • Posts

    • Hi everyone, Apologies for bringing up the same topic regarding these individuals. I wish I had found this forum earlier, as I've seen very similar cases. However, I need your help in figuring out what to do next because we've involved our partners/resellers. I work as an IT Manager in a company outside of the UK. We acquired a license from a certified reseller (along with a support agreement) and also obtained training sessions from them. The issue arose when we needed to register two people for the training sessions, so we used an external laptop for the second user to keep up with the sessions for only a month. During this period, the laptop was solely used for the training sessions. After two weeks, my boss forwarded an email to me from Ms Vinces, stating that we are using illicit software from SolidWorks. Since this has never happened to me or anyone we know, I went into panic mode and had a meeting with her. During the meeting, we explained that we were using an external laptop solely for the training sessions and that the laptop had not been used within the company since her email. She informed us that for such cases, there are demos and special licenses (though our reseller did not mention these types of licenses when we made our initial purchase). She then mentioned that we had utilized products worth approximately €25k and presented us with two options: either pay the agreed value or acquire SolidWorks products. We expressed that the cost was too high, and our business couldn't support such expenses. I assured her that we would discuss the matter with the company board and get back to her. After the meeting, we contacted the company reseller from whom we purchased the license, explained the situation, and mentioned the use of an external laptop. They said they would speak to Maria and help mediate the situation. We hoped to significantly reduce the cost, perhaps to that of a 1-year professional license. Unfortunately, we were mistaken. The reseller mediated a value €2k less than what Maria had suggested (essentially, we would need to acquire two professional lifetime licenses and two years of support for a total of €23k). This amount is still beyond our means, but they insisted that the price was non-negotiable and wouldn't be reduced any further. The entire situation feels odd because she never provided us with addresses or other evidence (which I should have requested), and she's pressuring us to resolve the matter by the end of the month, with payment to be made through the reseller. This makes me feel as though the reseller is taking advantage of the situation to profit from it. Currently, we're trying to buy some time. We plan to meet with the reseller next week but are uncertain about how to proceed with them or whether we should respond to the mediator.
    • Thanks London  if I’ve read correctly the questionaire wants me to post his actual name on a public forum… is that correct.  I’ve only had a quick read so far
    • Plenty of success stories, also bear in mind not everyone updates the forum.  Overdale's want you to roll over and pay, without using your enshrined legal right to defend. make you wet yourself in fear that a solicitor will Take you to court, so you will pay up without question. Most people do just that,  but you are lucky that you have found this place and can help you put together a good defence. You should get reading on some other Capital One and Overdale's cases on the forum to get an idea of how it works.  
    • In both versions the three references to "your clients" near the end need to be changed to "you" or "your" as Alliance are not using solicitors, they have sent the LoC themselves. Personally I'd change "Dear ALLIANCE PARKING Litigation Dept" to "Dear Kev".  It would show you'd done your homework, looked up the company, and seen it's a pathetic one-man band rather than having any departments.  The PPCs love to pretend they have some official power and so you should be scared of them - showing you've sussed their sordid games and you're confident about fighting them undermines all this.  In fact that's the whole point of a snotty letter - to show you'd be big trouble for them if they did do court so better to drop you like a hot potato and go and pursue mugs who just give in instead. In the very, very, very, very unlikely case of Kev doing court, it'd be better that he didn't know in advance all the legal arguments you'd be using, so I'd heavily reduce the number of cards being played.
    • Thanx Londoneill get on to it this evening having a read around these forums I can’t seem to find many success stories using your methods. So how successful are these methods or am I just buying time for him  and a ccj will be inevitable in the end. Thanks another question is, will he have to appear at court..? I am not sure he has got it in him
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Lies and the lying liars who tell them


F_DCAs
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5649 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I had a letter from moorcroft recently saying our investigations show that you are in employment therefor we will be making arrangements to arrest any earnings :confused:, Unless you contact us in the next 7 days with full payment and so on!!!!!! I do not work and haven't done since my son was born, I am a single mother on benefits!! So their so called investigation work isn't to good hu lol!!! But with all these silly threats and lies can cause alot of worry to many people!! I have been worried sick because of my circumstances but thanks to this site i know it's not anywhere near as bad as i thought :) and i will get there sooner or later!!!

Link to post
Share on other sites

  • Replies 122
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

I had a call from Lowell Finance, or was it Red Debt Collections, maybe DLA Piper Solicitors or could have been Hampton Legal - anyway, the girl said something on the lines of they were empowered to recover money I owed them.

 

This was without any of the 'security questions' being answered. I had asked why they were calling and what they wanted. Who knows if they spoke to the person they asked for, telling me things like that on the phone...

 

Chimps at a tea party get better training...

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

 

Link to post
Share on other sites

I had a call from Lowell Finance, or was it Red Debt Collections, maybe DLA Piper Solicitors or could have been Hampton Legal - anyway, the girl said something on the lines of they were empowered to recover money I owed them.

 

This was without any of the 'security questions' being answered. I had asked why they were calling and what they wanted. Who knows if they spoke to the person they asked for, telling me things like that on the phone...

 

Chimps at a tea party get better training...

 

i like your last line it has made me laugh :lol:

Link to post
Share on other sites

Another APPOINTMENT FOR HOME VISIT letter from our stripey friends, there will soon be a queue of them outside my flat trying to collect on debts I don't owe.

 

I'm thinking of composing a poem for Robinson Way, along the lines of

 

O Stripey ones will you please desist

Its been to court - you lost - and missed

Link to post
Share on other sites

I had a letter from moorcroft recently saying our investigations show that you are in employment therefor we will be making arrangements to arrest any earnings :confused:, Unless you contact us in the next 7 days with full payment and so on!!!!!! I do not work and haven't done since my son was born, I am a single mother on benefits!! So their so called investigation work isn't to good hu lol!!! But with all these silly threats and lies can cause alot of worry to many people!! I have been worried sick because of my circumstances but thanks to this site i know it's not anywhere near as bad as i thought :) and i will get there sooner or later!!!

 

You really should copy that letter to Trading Standards. :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

1: How can BCOBS protect you from your Banks unfair treatment

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

I love Robinson Way.

 

I think the blue and white stripey envelopes are a particularly good idea, it helps me decide which letter to open first, as once you have read the contents it puts you in a good mood for the rest of the day!

 

A couple of my favourites have been -

 

******Security Telemessage*******

 

Recent transactions on your account are giving cause for concern. Please contact us on -------

 

(The card for this account had been cut up and sent back to the original creditor over 18 months previous, and no CCA has ever been supplied!)

 

or

 

'Where did we go wrong?'

 

(Not supplying a copy of the CCA?)

 

The only downside is having to get up extra early to get to the post before Mrs Pookey!!!

 

Pookey

I'm in the DCA kicking business ..........and business is good!!!!

Link to post
Share on other sites

I'm trying to think of another word which rhymes with 'desist' and 'missed' so you could write a third line.

 

I'll have to get drunk - maybe that will help.

 

 

Hmmmmm.........p*ssed

 

Sorry, only trying to help.

 

David

Link to post
Share on other sites

I had a letter from moorcroft recently saying our investigations show that you are in employment therefor we will be making arrangements to arrest any earnings :confused:, Unless you contact us in the next 7 days with full payment and so on!!!!!! I do not work and haven't done since my son was born, I am a single mother on benefits!! So their so called investigation work isn't to good hu lol!!! But with all these silly threats and lies can cause alot of worry to many people!! I have been worried sick because of my circumstances but thanks to this site i know it's not anywhere near as bad as i thought :) and i will get there sooner or later!!!

That will be from their Employment Confirmation Division. Its the desk beside the Pre Court Division.

 

One of the mokeys probably rang up Tescos and asked if they had a John Smith working there and using monkey logic decided that the John Smith they were harrassing had a job.

 

Arrest your earnings my arse

 

Arrested development more likely:grin:

Link to post
Share on other sites

Rest of poem... much thought about to avoid slander and libel

 

O Stripey ones will you please desist

Its been to court - you lost - and missed

The court have said I should not pay

So this debt has gone away!

 

VALID EVEN IF NOT READ BY YOU

 

The greatest pleasure I have now is that this has cost Capital 1 more to chase. I have also asked the court to re look at the evidence and suggest a way forward with possibly an arbitration hearing to discuss compensation with Capital One - would love to meet Ellie Renshaw in person (if she does really exist) her letter - posted to an address I hadn't lived at in 7 months was hysterical.

Link to post
Share on other sites

Typical Moorcroft shot in the dark and even if you were, there is a little matter of going to court 1st.

 

You're right though, it must scare a lot of people.

 

David

 

Hi David,

 

It scares us all at some point. I think that's because most of us start out with no intention whatsoever of missing payments or getting into trouble - we're honourable people and are gullible enough to believe the lies because deep down we know we should be paying.

 

What changes that attitude is the behaviour of people like Moorcroft. I suppose that for them, their approach works well enough most of the time and people are scared into meeting their unreasonable demands. Most of the people who join this site seem to have their backs to the wall though and it's when they come out fighting that DCAs have the problem. If DCAs would only be a bit more reasonable then they'd reap the benefits, but instead, they reap what they sow.

 

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.

Link to post
Share on other sites

It scares us all at some point.

 

Yep!!

 

Where it starts to run out is, for a start, you cannot stay scared, it's impossible to live like it. Sooner or later you enter 'dilligaf' mode.

 

Secondly where, as in my case, when it is impossible to meet the demands despite the threats and nothing happens, you start to wonder why.

 

When I discovered through this site, that in respect of the agreements that had been issued, the credit industry had been living a lie for years, I found it so hard to take it in. It was so mind bogglingly stupid it just could-not-be-true.

 

But it was.:D

 

David

Link to post
Share on other sites

I completely agree Fred and David.

 

Because you have been pushed into such a hole that you either have to, at some point, address or completely crack due to the situation financially and mentally being so unsustainable DCA's shoot themselves in the foot.

 

We all start out as scared and the underlying feeling is how on earth do I pay this off and meet their demands. Then you, through time and the help of sites like this, realise that their demands have nothing to do with anything of any legal standing and far more to do with greed and intimidation.

 

Because you have been abused by these people and their greed and your life has suffered negatively as a result the most sad and pathetic letter you can get from any creditor is that you have a moral obligation to pay them despite the fact they have no enforceable credit agreement.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

Link to post
Share on other sites

yes i agree with you all Rory, Fred and cashins,

 

its the moral standing that they then try and goad you, but ive been where you have all said already and now im fighting back with knowledge and from the help from cag members like yourselves

 

however, im standing on my own moral ground and say, like the creator of the cca way back, if an agreement is not drawn up correctly then the creditor has not done the legal thing, and should not cry when the debtor cannot be forced to pay the debt

 

why do other contracts in business stand up in court? because the right thing was done with integrity and fairness, but bankers it now appearing they did it from lack of care and being greedy in saving a bit of legal paperwork and now they must pay that price

 

have a fun day all, i am already :D

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

Link to post
Share on other sites

so true, i started out so scared, i even sent back my signature when they ask for it when i knew nothing better

 

me scared 6.2 and 19 stone. Did use to like they said were coming around, more my style... :)

 

the only thing that makes you feel empowered is education. Thank you CAG for that

Link to post
Share on other sites

I don't know if it's of any interest, but in the last few days CAG has had 4 cases reported where BCW have had decrees alledgedly obtained on statute barred debts in absence. The first notification the alledged debtors (who in all but three of the instances haven't moved around) was a letter from BCW stating that they have a decree obtained against them. No court notification, no nothing.

 

While this isn't a great problem for the seasoned Cagger as the decree could be recalled the really worrying thing is one of them went to the CAB and the advice they received was "well as the decree has been granted you'll just have to pay it". Completely wrong advice of course but I'm afraid fully consistant with the advice that the CAB often gives out.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

Link to post
Share on other sites

  • 2 weeks later...

I'm not surprised this would come from BCW - behaviour I don't put past them at all.

 

I am surprised that nobody has complained about this, legally I mean, because it does seem to be a flagrant abuse of process at the very least. Mind you, not that the arbitration bodies or the court system seems to take much notice these days.

 

 

Time maybe that the CAB starts taking on better informed debt advisors, or maybe they're just over-worked.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...