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    • Thank you for your pointers - much appreciated. dx100uk - Apologies, my request wasn't for super urgent advice and I have limited online access due to my long working hours and caring obligations - the delay in my response doesn't arise in any way from disrespect or ingratitude. I will speak to her at the weekend and see if she will open up a bit more about this, and allow me to submit the subject access request you advise - the original creditor is 118 118 loans and from the letter I saw (which prompted the conversation and the information) the debt collection agency had bought the debt from 118 and were threatening enforcement which is when she has made a payment arrangement with them for an amount of £180 per month. It looks as if she queried matters at the time (so I wonder if I might with the FIO request get access to their investigation file?) - the letter they wrote said "The information that you provided has been carefully considered and reviewed. After all relevant enquiries were made it has been confirmed that there is not enough evidence present to conclusively prove that this application was fraudulent.  However, we have removed the interest as a gesture of goodwill. As a result of the findings, you will be held liable for the capital amount on the loan on the basis of the information found during the investigation and you will be pursued for repayment of the loan agreement executed on 2.11.2022 in accordance with Consumer Credit Act 1974"  The amount at that time was over £3600 in arrears, as no payments had been made on it since inception and I think she only found out about it when a default notice came in paper form. I'm a little reluctant to advise her to just stop paying, and would like to be able to form a view in relation to her position and options before unsetting the applecart - do you think this is reasonable? She is young and inexperienced with these things and getting into this situation has brought about a lot of shame regarding inability to sort things out/stand up for herself, which is one of the reasons I have only found out about this considerably later Thank you once again for your advice - it is very much appreciated.    
    • That's fine - I'm quite happy to attend court if necessary. The question was phrased in such a way that had I declined the 'consideration on the papers' option, I would have had to explain why I didn't think such consideration was appropriate, and since P2G appear to be relying on a single (arguably flawed) issue, I thought it might result in a speedier determination.
    • it was ordered in the retailers store  but your theory isnt relevant anyway, even if it fitted the case... the furniture is unfit for purpose within 30 days so consumer rights act overwrites any need to use 14 days contract law you refer too. dx  
    • Summary of the day from the Times. I wasn't watching for a couple of interesting bits like catching herself out with her own email. Post Office inquiry: Paula Vennells caught out by her own email — watch live ARCHIVE.PH archived 23 May 2024 11:57:02 UTC  
    • Frankly I think you should go to a hearing unless you feel especially nervous . If you have any worries then you should follow our link to find out about a county court familiarisation visit     You shouldn't forget that county Court judgements are very helpful but they are not binding. They are only persuasive.  It is difficult to see you losing but it might be better to be there in order to counter any arguments from the other side
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Goodbye virgin, they "can't find any one in the uk to employ" lol


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Hi all

 

In the last few days i have had a problem with the landline telephone which is needed to call my partner as i am out of the country a lot.

 

I called virgin and to my disbelief found myself talking to some one in south africa who was not one little bit helpful just said there is a problem with the exchange and an engineer has to replace a bit of equipment and should be back up and running within 7-10 days.

 

I then asked when virgin started outsourcing work as the only reason i chose virgin media and mobile was that i thought they only had uk call centers ( i like to buy products/services that keep uk people in uk work) he would not comment but told me virgin have contact centers in england(quite rightly so), south africa, india and manila.

 

so i called and canceled my virgin media services, they tried everything to get me to stay but could not move all the jobs back to the uk so in 30 days finished.

 

I then called virgin mobile to ask if they have call centers abroad to which they replied with the same list as above and i told them i want to cancel my contract which again they did want me to do but told them the reason ie call centers abroad and the team leader who i was speaking to said and i quote

 

"The only reason virgin mobile/media outsources work is because of it geographical location and they can't find anyone to employ" HA HA HA HA HA

 

What a joke i said so your telling me that in todays financial climate you can't find any one and she replied yes! I asked if this was virgins official line and she said she did not know? lol

 

So all in all virgin media have lost £80.00 per month and virgin mobile have lost on average £900.00 per month. I hope that makes a tiny dent in the cost savings you achieved by out sourcing............

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I have nothing against overseas call centres if the quality of service is the same and we are able to understand each other easily. Unfortunately almost without exception my experience has been the opposite of this.

 

I did speak to one guy a Virgin who clearly was abroad but handled my request adequately.

 

I agree though if companies want to make money here they the should be prepared to base thier operation here.

The views I express here are mere speculation based on my experience. I am not qualified nor insured to give legal advice and any action you take will be at your own risk.

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When I was with Virgin, I got put through to a call centre in South Africa and immediately switched to their language along with the local dialect and started asking questions I knew they could not answer. Poor woman was totally confused because an Englishman was able to speak her language with a dialect so she had no chance but I had a good laugh and cancelled within the next 30 days. Agreed that if you are spending money here it should be for people gainfully employed in the UK!

That is know as economy which is why I do not like using charity shops as all the money they earn goes elsewhere and not into the local economy as shop workers are volunteers, therefore the local economy is not stimulated and other shops start closing!

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Erm charity shops generally sell stuff that people have given to them. Very few high street shops sell used goods, so I don't see a dilemma there. Also they spend money on helping people which can't be a bad thing.

The views I express here are mere speculation based on my experience. I am not qualified nor insured to give legal advice and any action you take will be at your own risk.

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Erm charity shops generally sell stuff that people have given to them. Very few high street shops sell used goods, so I don't see a dilemma there. Also they spend money on helping people which can't be a bad thing.

I am surprised that you as a student are missing the point. A normal retail shop pays wages to its staff and those staff in turn spend money in other retail shops, cafes, bars, amusement parks in the vicinity and the money stays in the local economy as it revolves around in there as all the other pplaces in tghe area employ staff who in turn spedn money in the local economy. A charity shop has volunteers who are not paid and any income derived from selling goods from that shop is normally spent outside the local economy. You can always tell if a town is imploding and that is when most of the shops in the high street are charity shops!

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I am not a student this is an old name I had on another site for many years.

 

I simply feel that the world is better charity shops existing. By your logic the country would be better off since people would have to pay solictors or other profesionals for advice and they would spen thus support the local economy.

 

There is on glaring hole in this, many people could not afford this advice so simply wouldn't get it. Similarly there are people who simply cannot afford high street prices.

 

Also your assertion that charity shops are somehow the cause of a 'town imploding' is a bizarre interpetation of cause and effect. There is no causal relationship between the two.

 

Charity shops are usually staffed by volunteets as you say, they tend to be older, not needing paid work, and thus would spend EXACTLY the same amount of money as before.

 

In fact they probably (based on my town) spend more in local markets and high street shops than other people who go to out of town supermarkets which seek to kill off smaller competitors.

 

"any income derived from selling goods from that shop is normally spent outside the local economy"

 

Same goes for supermarkets but to a much higher order. You would rather pay dividends to shareholders than support organisations who help the elderly, chronically sick etc etc?

 

Anyway this is pointless we'll agree to disagree, I simply don't follow your logic at all.

The views I express here are mere speculation based on my experience. I am not qualified nor insured to give legal advice and any action you take will be at your own risk.

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I buy loads of stuff from Charity shops -in my town they are everywhere.

We have a British Heart Foundation shop thats massive and sells portable TVS for a tenner DVD players for 8 quid.Dining tables and chairs from £30 and dishwashers from £30.

It not inferior stuff either.I got a Bosch Hob and oven for £40 pine bunk beds for £50 and 5 piece Technics HI FI class AA for £40.

We have another charity shop that gets new stuff from Burtons -I got a Diesel T shirt for 3 quid with the £22 price label still attatched.

 

I know some people who actually buy stuff in charity shops and sell it for more on the car boot sale !!

 

The days of the old Oxfams are gone-these days its not taboo to be seen in charity shops-they are big business.

 

My best purchase was a bright yellow silk tour jacket with Sun Records logo on the back.

I knew what it was immediately-it was Elvis Presleys first record company from Nashville -Jerry Lee Lewis also recorded with them.

I have no idea how it found its way there.

As I paid my £8 at the counter I was aware of some joking comments....but I think I got the last laugh.

I put it on ebay in the music collectables and got £85 for it.:)

Edited by MARTIN3030

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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I think we are starting to get slightly off the main topic here. So to try and steer it back on topic, I thought I would relate my recent experience of a call centre.

The other evening I got a phone call, and thinking it was a debt collector (it usually is :D), I waited a couple of seconds to see if the line went dead. Eventually I said hello and someone with a foreign accent answerd and procceeded to go through a sales pitch. When he tried to tell me who he was calling on behalf of, I had to stop him and tell him I couldn't understand what he was saying. He repeated himself and still I couldn't understand him. Eventually I just hung up. After thinking about it for a few seconds I realised he was trying to say I was a valued customer of EDF Energy. I only wish I had realisd this at the time, I could of had some fun.

 

So not only was this a bad call because of the speech side of it. I live in Northern Ireland so I don't know how he got the idea I was an EDF customer :eek::confused:

HALIFAX: 13/01/07 Sent S.A.R - (Subject Access Request) letter (marked as rec'd 16/01)

Paid in full in March 07

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"I think we are starting to get slightly off the main topic here."

 

It happens on every CAG forum !

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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What WAS the topic? That companies who wish to make money ouf of people in the UK should not outsource work overseas? Sounds reasonable to me.

The views I express here are mere speculation based on my experience. I am not qualified nor insured to give legal advice and any action you take will be at your own risk.

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