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    • Okay, it's turning out better than I expected. We can go over a resume of the situation when you get it back and see what you think might be outstanding and if you want to do anything about any of it.
    • Back home now - Not a wasted trip entirely but did not come back with the car. They took it in straight away at 8 to sort out the navigation which apparently is resolved.  Next was a health check again: 1. Battery = defective 2. Fuel Flap solenoid - Apparently this was on the MPC but I even missed this.  So another one to add to the list of not rectified but vehicle handed to us.  Worst case with this is the flap does not open. 3. Sun Visor - Requires replacing 4. Navigation - Resolved 5. Tyres - The low tread has been deemed as perished - again, I do not understand how this went through MOT the day before collection!  And they also found a nail in the tread - by the looks of it and the lack of miles we've covered, it's been in there a while.  Agreed front right is budget make.   Took a bit of to/fro but all points have been authorised by Sales for Servicing to carry out - essentially as Sales missed this (or were told it was good to sell), they foot the bill.  Internal politics and all fake/virtual money.   The bad news is despite a note to order the battery last week "just incase", it was not done so battery, solenoid, visor and tyres all will be ordered in for tomorrow and resolved tomorrow hence coming back without it today. Upside, after a bit of pushing, I did get an Automatic Q3 70 plate which was the salesmans own demonstrator.   Salesman also apologised for the way he had been/tone used last week so we've put all that in the past (if everything is sorted!)   Finally, raised the fact their MPC states various services need doing.  The service advisor agreed, checked and to my surprise, the day we picked it up, they were completed. I got a printout stating this which included the oil service (even though it was done in September), gearbox service, Haldex (for the quattro system) and brake fluid.   Only thing I need to ask tomorrow is the parts list does not state Gear Box filter which is part of the service on the s-tronics and gear oil seems to be 1x G060175A2.  IF I am reading this correctly, this is only a top up of 850ml and not a complete service which should be around 5-7 litres + filter.
    • as long as returning the car doesn't cost you ...yes. however you are not compelled to do so out of your own pocket. you simply write, if you need too, stating the car is ready for collection at anytime but please advise me first.   but of course, be a wee bit smart here, until/unless the judgement is actually satisfied, it goes nowhere! dx  
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Refusing to answer security questions


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If a DCA rings us up & we refuse to answer their security questions...

What law (on our side) does that come under does anyone know?

Loads of times ive been phoned up in the past few weeks & each time ive refused to answer security questions & its caused a right old ding-dong each time.

Ive quoted things like the data protection act & privacy laws etc...(not knowing if its true or not :D)

But i want to try & find out once & for all what laws on the side of the consumer,if any,state that we are right to not answer such questions over the phone like that.

Anyone know? :confused:

Edited by mr.ton
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What law (on our side) does that come under does anyone know?
None that I'm aware of, it's purely a matter of choice whether you answer any questions or even converse at all with a complete stranger. There's certainly no law that says you have to.
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I agree you didnt ask them to ring you... they took it upon themselves to that... if they ring me I always refuse to answer their stupid security question on the grounds that the information they are asking for is readily available on the internet, electrol rolls etc and I always say to em ask me something only i would know like what is my fav colour?

this usually confuses the threat monkeys and they normally ring off

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I have done it with a few of the muppets,they usually hang up , so we must all be doing something right. I have heard it's something to do with Data Protection,they cannot give out information to a stranger. But they want us to give info to them. Yeah as if.

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Even before I found CAG, and when my worst crime was being 7 days over my CC payment occasionally (those were the days...... ) I had a bee in my bonnet about call centre staff demanding in pigeon English to discuss my account. Yeah, where you ringing from? Nayshoon Whie? Oh cool, yep here's my details..." ermmm NO.

Might as well hand your debit card to a busker and say take a quid out I'll pick it up later...

 

Edit: Although I like buskers, in fact, I'd rather give it to a busker than a DCA...

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Interestingly enough, in my conversation with Cabot before, I refused to answer the security questions, and just asked "why do you need me to answer these questions" and they just proceeded to talk about the debt and ask for payments. Seeing as I've got the conversation recorded, can I report them for breaking data protection on that?

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The monkeys who ring me dont seem to get the principle of that...they automatically assume that coz they are from a DCA that i will automatically answer their security questions.

They seem genuinley perplexed as to why i dont & the reasons i give.

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The first rule when dealing with anonymous cold callers, perporting to be DCAs whoever they say they are,or from, is NEVER, NEVER, talk to them on the phone, (writing only) you then have, if they have the audacity to continue to harrass you, it is then that you can retaliate, with the power of the pen and the excellent advice from this site and the caggers.

 

They do not ring you to do you any favours, give them nothing, admit nothing, Writing only.:D;)

 

"EXEMPLO DUCEMUS"

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Thats right mr ton, the phone monkeys say to me, I'm calling from so and so, as if that is some kind of gaurantee of honesty, I reply Scooby Doo. They usually hang up at that.

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Hehe I really confused an Iqor threat monkey the other day, she said it was a 'business matter' and asked for my date of birth, and I simply said "I never give information like that to someone I don't know the identity of, that would be really silly wouldn't it" and she just sort of said "oh well, yes, ummmm" and then I quickly interupted and asked her to remove my number from the system as I always do everything by writing and recorded post. She did!!

If I have been helpful in any way, please tip my scales :lol:

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Yes, this has caused me some right problems. I WILL NOT answer any of their "security" questions - no matter how patronising or threatening they become.

But its an interesting point this - lets say a case goes to County Court. The creditor claims the debtor has done nothing to service the debt.

The debtor then says he has tried many times to come to an arrangement with the creditor, but refuses to give that creditor personal information that that creditor is not entitled to - ergo, the "security questions".

The creditor would have to admit to the existence of such security questions ( a simple phone call provides proof).

The debtor is under no legal obligation to supply any personal information.

 

How do you think this would be viewed by a court?

 

Just interested.

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Yes, this has caused me some right problems. I WILL NOT answer any of their "security" questions - no matter how patronising or threatening they become.

But its an interesting point this - lets say a case goes to County Court. The creditor claims the debtor has done nothing to service the debt.

The debtor then says he has tried many times to come to an arrangement with the creditor, but refuses to give that creditor personal information that that creditor is not entitled to - ergo, the "security questions".

The creditor would have to admit to the existence of such security questions ( a simple phone call provides proof).

The debtor is under no legal obligation to supply any personal information.

 

How do you think this would be viewed by a court?

 

Just interested.

 

There is no law saying debtors must deal with creditors or anyone else by phone. If anything, it is prudent not to give personal data over the phone unless you called them.

 

If they are happy to phone the number then they are already satisfied the DPA is ok and they have the correct household, other than asking for you by name there is no need to ask any security questions.

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When Intrum phoned me the other day they just asked if I was me, I said yes and she went into a full blown rant about a debt I supposedly owe. WIll they ever learn? I think not.

Be good to yourself, when nobody else will

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It never fails to amaze me when they launch into a diatribe spouting on how debtors are immoral, unethical thieving ingrates who deserve no less than a public flogging, penal servitude & transportation to Devils Island. I wonder whether they are looking into a mirror at the time?

Anthrax alert at debt collectors caused by box of doughnuts

 

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The 'Two Ronnies' had the perfect solution when it comes to answering questions. :DYouTube - Two Ronnies - Mastermind

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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Interestingly enough, in my conversation with Cabot before, I refused to answer the security questions, and just asked "why do you need me to answer these questions" and they just proceeded to talk about the debt and ask for payments. Seeing as I've got the conversation recorded, can I report them for breaking data protection on that?
Yes.

I made a complaint to Warehouse about one of their people discussing my (very much alleged!) debt in details after I had refused to confirm my details and got a phone call from one of their managers apologising profusely and assuring me the employee in question was going to go home with a flea in their ear... Whether I believe that or not is immaterial, I have a feeling they would have had a word anyway, because DPA breaches are a big no-no, end of.

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Breaches of the DPA attract a fine and/or prison sentence.

"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.

 

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Brilliant! Who is it best to get in contact with to report them?

 

The ICO.

"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 :)

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