Jump to content

You can now change your notification sounds by going to this link https://www.consumeractiongroup.co.uk/index.php?/&app=soundboard&module=soundboard&controller=managesounds

 

You can find a library of free notification sounds in several places on the Internet. Here's one which has a very large selection https://notificationsounds.com/notification-sounds

 

 

BankFodder BankFodder

 

BankFodder BankFodder


  • Tweets

  • Posts

    • look up on land registry who owns the property then get in contact with your local environmental heath dept.   dx  
    • Hello all,   I have recently moved into a new property. The bedroom window is facing a bunch of commercial crates which have trash on top of them. The trash is maybe two metres away from the window, making it impossible for the window to be open (I am also afraid of rats being there).   The other windows of the property are facing a communal, enclosed area, which is making it difficult for the property to be properly ventilated. I have already raised this issue with my estate agency and they are trying do to something about it (to be honest, if I leave everything to them, this issue won't be solved until my tenancy is finished, and that is more than one year away).   I am asking for advice, or how could I approach this issue.   I have spoken to my council and, since they do not deal in private property, there is nothing they can do, at least this is what they have told me.   The property with the trash is not owned by my landlord. It is an open space, with big crates, closed off by a fence. If I could, I would climb those crates and remove the trash myself but I cannot. I also cannot climb out the window to reach the trash, as the window is too small.   At times, I see a car in that property but I have never seen the driver. I left a note in the car's window explaining the issue and giving my number. This was around a week ago and nobody came back to me.   
    • Hi   First off ALL Tenants need to re report all the different repairs again via their repairs procedure. Yes its good to get a list of all properties repairs with photo/video evidence signed by all property tenants but you all need to fight this individually as well as a group.   Next you all need to look up your rights on Repair i.e. The Right to Repair Scheme and also their Complaints Procedure.   http://www.legislation.gov.uk/uksi/1994/133/made   https://england.shelter.org.uk/housing_advice/repairs/right_to_repair_for_council_tenants   All Tenants need to take control back with these repair and ask in writing titling any letter 'FORMAL COMPLAINT' and stating the repair and why it hasn't been carried out to date and an exact date when it will be completed.   You also require clarification whether these Repairs come under the Right to Repair Scheme and if so why we were never informed of this. (delete or amend)   You also require copies of the following:   Right to Repair Scheme Policy (Not the Leaflet Repair and Maintenance Policy (Not the Leaflet) Solar Panel Policy (Not the Leaflet) Complaints Policy (Not the Leaflet) Equality & Diversity Policy (Not the Leaflet) When you get the above policies you need to take your time reading them and just think to yourself 'DID THEY DO THAT' in relation to your issue and if not mark it this way you build a list of what they haven't done/followed as per there own Policies and use it against them.   They will have time limits to complete repairs within for Emergency, Urgent, Routine repairs and if they exceed that time limit and need to extend it remember it is with you the tenants agreement not them telling you and tough you can wait.   (bear in mind any repairs during COVID-19 the time limits are now different and most routine repairs are stopped)  
    • I was on UC in late March, and recently received some quite non-committal message that the commitments would be returning, but no indication when.     If I remember correctly the expectation was that we could find at least one job per day to which to apply, or some such nonsense.   Given that the government can only guess how many workplaces will be safe :  1) to commute to/from at the time of job application; 2) to work in at the time of job application;    3) to commute to/from at the date of starting a job ; 4) to work in at the date of starting a job,  5) to commute to/from at the date permanent WFH is dropped; 6) to work in at the date permanent WFH is dropped,    and given that we have lost 20% of our economy, I fail to see how they can both reasonably and immediately mandate any minimum figure of jobs we must apply for whilst this virus just killed over 135 people in the UK (stats released today).  That is only down from 155 last week, and about 175 a fortnight back.   At this rate it will be another 7 weeks MINIMUM before the mortality rate is zero - if it ever reaches zero before the inevitable second wave.  
    • who has sent this 'letter of claim' come from and doe sit mention the pre action protocol and include a separate response pack? 
  • Our picks

    • Currys Refuse Refund F/Freezer 5day old. Read more at https://www.consumeractiongroup.co.uk/topic/422656-currys-refuse-refund-ffreezer-5day-old/
      • 5 replies
    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
       
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
       
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
       
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
       
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
       
      I’m so stressed,
      can u appeal this or should I just accept it?
       
      Thanks for reading 
      • 12 replies
    • The courier industry – some basic points for customers. Read more at https://www.consumeractiongroup.co.uk/topic/421913-the-courier-industry-%E2%80%93-some-basic-points-for-customers/
      • 1 reply
    • The controversial sub-prime lender says the City watchdog is investigating its practices.
      View the full article
      • 0 replies
peppapig

ways of paying debt collection agencys

style="text-align:center;"> Please note that this topic has not had any new posts for the last 4014 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

hello all just a short question

moorcroft and scotcall sent me payment books i ask for standing order details but was told they dont accept standing order as payment method anymore only direct debit which i dont wanna set up ,does anyone else set up a standing order with these guys

Share this post


Link to post
Share on other sites

Complain to TS and the OFT for them limiting your rights as a consumer. They can accept SO, what a load of BULL!


"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 :)

Share this post


Link to post
Share on other sites

Do they even have a right to ask for payment from you? Have they provided any evidence of debt?

Share this post


Link to post
Share on other sites

The Office of Fair Trading: Contact us

 

Consumer Direct If you complain to these they will automatically forward your complaint onto your local Trading Standards:D

 

The Office of Fair Trading: Debt collection practices

 

have a read through the OFT's own guidance on debt collection.

 

Don't set up a DD with the clowns, if you want to pay using SO then all you need is their bank details, account no, and sort code, then just set up the SO anyway.:D

 

Apart from that, have you made certain that they can legally collect your money?

I'm not saying you don't have debts which need paying, but have they been given the legal rights to collect money from you?

Have you seen a notice of assignment, default notice, credit agreement etc etc?


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Share this post


Link to post
Share on other sites

Doesn't the payment book have the bank details in?

Have you CCAd them to see if the debt is enforceable or not?

 

DG


I have no legal training my knowledge comes from my personal life experiences

Please help keep the forum alive by making a donation

Share this post


Link to post
Share on other sites

you can use the credit acc no and sort code and your refernce number from the pay in books to set up a standng order at your end or make one off monthly online banking payments to them

 

ida x


Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

Please consider making a small donation to help keep this site running

Click here to donate through PayPal (opens in a new window)

Share this post


Link to post
Share on other sites

Moorcroft have a bad name regarding direct debits ('accidently' taking too much out - things like that), amongst other issues.

Share this post


Link to post
Share on other sites
Complain to TS and the OFT for them limiting your rights as a consumer. They can accept SO, what a load of BULL!

 

not so sure that this wouldn't be a waste of time unless you can cite what it is they've actually done wrong. 'limiting your rights as a consumer' seems a tad intangible to me.

Share this post


Link to post
Share on other sites

It's in breach of the CPUTR 2008.


"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 :)

Share this post


Link to post
Share on other sites

hi all the debts are old mobile accounts and bt virgin media so i have to pay them ,just costing me a lot with the pay in books (charge 2.40 per book )on the pay slips a credit account number and ref so all the detail are not on it , i will send another letter to both agencys to see if they offer their account info .

Share this post


Link to post
Share on other sites
It's in breach of the CPUTR 2008

 

how?

Share this post


Link to post
Share on other sites

Limiting one's rights as a consumer for starters :rolleyes:

Share this post


Link to post
Share on other sites
Limiting one's rights as a consumer for starters

 

ooooooooooooookay....

 

Mind citing the particular section?

Share this post


Link to post
Share on other sites

moorcrap tried the book thing with me so I sent the entire book back (postage free to me) and told them no account details no pay, so the passed the debt off to another scummy company, who failed miserably to enforce said alledged debt;)


PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

Share this post


Link to post
Share on other sites

Find out which bank is a clearing center in your town, and pay em all in there for free, i use barclays myself, it has the only clearing center in 2 towns!


question everything!

Share this post


Link to post
Share on other sites

cca and a £1 postal more me thinks


The Tally so far in order of appearince:

Intrum Justica

:DNow gone from my life

Metropolition

:DGone and had to repay me 500 pounds

Red(Lowell)

:DCase Closed

Aktiv Kapital

:pWas so sad yo say good bye. Parting is such sweet sorrow.

MBNA :oops::-) No CCA No Debt You lost

Share this post


Link to post
Share on other sites

Misleading actions

 

5.—(1) A commercial practice is a misleading action if it satisfies the conditions in either paragraph (2) or paragraph (3).

(2) A commercial practice satisfies the conditions of this paragraph—

(a) if it contains false information and is therefore untruthful in relation to any of the matters in paragraph (4) or if it or its overall presentation in any way deceives or is likely to deceive the average consumer in relation to any of the matters in that paragraph, even if the information is factually correct; and

(b) it causes or is likely to cause the average consumer to take a transactional decision he would not have taken otherwise.

 

 

The Consumer Protection from Unfair Trading Regulations 2008 No.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Share this post


Link to post
Share on other sites

Thanks BB :)


"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 :)

Share this post


Link to post
Share on other sites

If the mobile pphone accounts include 'late payment fees' or 'termination' fees you should claim them back. Are you sure they are not both collecting the same account? Moorcroft and Scotcall are part of the same group (which includes Robinson Way) and frequently pass debts amongst (or is it between) themselves. Scotcall are not woth paying one penny to as they are not 'bailiffs' nor 'licenced legal practitioners' as I was once told.

Share this post


Link to post
Share on other sites

In response to Kraken....BB explained it nicely for me ;)

Share this post


Link to post
Share on other sites

sorry.... it was an attempt at explaining it, but it doesn't wash. ;)

 

The cputr quoted would only apply if the misleading omission (which I'm not sure this really is as their choice how they accept payment, if at all) caused the consumer to make a transactional decision that they would not have otherwise have done. In this case therefore as there is no transactional decision it doesn't apply, in fact, quite the opposite - at most it prevents a payment. You need to show both to have a cause of action.

 

Before we deal with the fact that it causes a different type of transactional decision, I don't accept this either. It is the same result through different methods and I doubt that the powers that be will mandate methods of payments, especially if such is a standing order which has other administrative costs attached to it for the business.

 

I really am all for complaining to the oft etc, but we really need to be clear why we are complaining. Just because we don't like something is not a reason not to complain but I think we need to be honest and simply say that we don't like a certain practice, and not try and dress it up in law that doesn't apply. the law does not make everything that is unpalatable unacceptable.

 

The only argument here is if the payment method given means that you have no choice other than to accept some sort of transaction fee or surcharge, but even here the regulators haven't had much luck with ryan air etc, have they? The other route to take would be if the original loan allowed or mandated SO payment. If the original loan dictated DD payment this is what you are likely to be stuck with, subject to the whims of the creditor accepting something different.

Share this post


Link to post
Share on other sites

hi thanks sillygirl1 for that bit of info as i have 2 bt debts and 2 orange mobile debts with moorcroft and scotcall take one of each debt quite confusing when trying to sort out , on the cca reqests mobiles and bt etc are not covered is that right ,only mobile account with whack me with extra charges was orange with 2 debts at 195 and 105 now are 485 and 385 ,i was told by scotcall that nco put the charges on the 2 accounts ,anyway this morning had a call from scotcall regarding payment and i said i would pay by p/o because i dont wanna drag it out any longer ,thanks fro everyones reply been most helpfull

Share this post


Link to post
Share on other sites

Mobile phone contracts don't come under the CCA, any charges that they have stuck on top, should be ignored don't pay them.

Also, don'ttalk to them on the phone, you should keep everything in writing as you'll have a paper trail of evidence then, or are you able to record your calls?

 

You shouldn't lie down and accept what they are telling you, I appreciate you just want it over and done with, but that is how these DCA's operate, they wear you down with constant harassment, and phone calls, threatening letters etc.

 

They are easily put back in their cage, with the help of CAG;)


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Share this post


Link to post
Share on other sites

The best way to pay a DCA is with a box full of pennies all superglued so as not to give the game away, post without postage and write payment enclosed on the package :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 :)

Share this post


Link to post
Share on other sites

I recall a case about paying in pennies, but can't find it. It went along the lines that you could pay ion pennies, but that the creditor could refuse if reasonable or charge admin fees for doing so. Google couldn't help, but I did find this:

 

£1,300 fine paid in pennies refused - Channel 4 News

 

and an account of a us court saying no, a farmer using a cow as a cheque and a gloucester council saying it was ok.

 

I think as an experiment someone should try. see what happens.

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...