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

    • ok again thanks for all advice , im going to continue and struggle on paying the wifes debts and maybe look at getting reduced payments but as for mine i think ill go down the DRO route and try get it sorted but will see and open new bank account somewhere first
    • Nothing to do with your own Bank.     Try to withdraw the money from Parentpay early next week and if no joy contact them.   It may be that the money is showing, but has not fully cleared on their system,
    • Hi all,   Just an update with contractual terms. These terms are from a contract at a similar time to when Tracey started as we think they have changed since.   The contract reads as follows:   Termination of employment  Xxxxxxx (Nursery) will provide written notice of termination of your employment in accordance with statutory requirement (currently 1 week’s notice for each year of continuous service, up to a maximum 12 week’s notice).   Once you have successfully completed your probationary period for the company you are required to give 1 month’s written notice of termination of employment.   Regards   Matt             
    • Thanks for helping with the post;   Still waiting for a reply from the DPD.
    • I thank the Consumer Action Group Members for getting me this far in my case which is still in progress.   Situation: The Court has reversed earlier permission for me to rely on witness summaries.    The question upon which I am seeking help, please,  is - do I need to bother myself as to why the Court has reversed permission to rely on witness summaries?  If so, what line of logic or law can might I follow because clearly, the Court has said one thing and then another a few weeks later, of its own motion, the Court has reversed the earlier decision. I find this development quite extraordinary in the sense that as a result of being granted permission earlier, I served the three Witness Summons which had the Court stamp.   Background Having given me permission to serve 'Witness Summons' which I served on 3 hostile witnesses several weeks ago, the Court has now reversed it's earlier decision, and refused me permission to rely on 'witness summaries' pursuant to paragraph 32.9(2), citing that I have not shown steps taken to obtain witness statements from the 3 hostile witnesses.  I however, made two attempts to talk to the hostile witnesses who have been non responsive and I can evidence this.   I would be immensely grateful for some steer from Forum Members, please.
  • 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 
      • 6 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
Youslaa

Wescot Credit Services - oh joy!

style="text-align:center;"> Please note that this topic has not had any new posts for the last 3985 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

Hi everybody

 

I received a typical 'U OWE US MONEY' letter from wescot last week, with the usual blah blah if you dont pay we'll come and steal your soul nonsense. I'm going to be sending them a lovely cca for that because i'm really not sure the debts mine.

 

However, there is something really quite worrying about the letter. Basically, about halfway down it says the following:

 

'If you ignore the instructions and fail to take action by ........

 

This may result in one of the following

1. Legal proceedings being automatically issued against you in the county court/Sheriff's court - which could result in:

 

  • a county court judgement or decree against you
  • your possessions being seized
  • your debt increasing because of court costs

2. A debt collector being instructed to visit your home and collect the debt personally

 

Now, its that second part. Is it just me or does that sound like they're saying they can send bailiffs round to collect the debt even without a ccj?

 

What do other people think? I'm pretty sure that they can only send bailiffs with a ccj and that claiming to be able to send them without one is illegal. Even if they are just saying they will send them round, it makes it sound like they will legally be able to take things. Surely if they were being honest they would say at the end of part 2....you are not legally required to open the door and pay us/let us take goods without a ccj.

 

Are they being deliberately misleading......if so what should I do in regards to this?

 

Many thanks everyone! Lets keep fighting the good fight :D

Share this post


Link to post
Share on other sites

2. A debt collector being instructed to visit your home and collect the debt personally

Now, its that second part. Is it just me or does that sound like they're saying they can send bailiffs round to collect the debt even without a ccj?

 

Note they don't use the word 'Bailiff'

 

They simply say 'debt collector'

And as we all know a debt collector has absolutely no legal powers to remove goods or collect money from you, full stop!

 

For anyone to take money off you for an alleged debt, you either have to enter into agreement with them, or they have to take you to court and obtain a CCJ, you then have to default on that CCJ they then take you back to court and ask to remove goods to the value of the debt or obtain other means of getting their mucky paws on your money, ie, a Charging order, attachment of earnings etc.

 

As you may be aware, those types of letter are designed to intimidate the debtors lack of knowledge about their rights and consumer law.

 

It may well be worth registering a complaint to the OFT about the content of the letter, and how it is designed to intimidate and exploit a debtors lack of knowledge:D


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
Hi everybody

 

I received a typical 'U OWE US MONEY' letter from wescot last week, with the usual blah blah if you dont pay we'll come and steal your soul nonsense. I'm going to be sending them a lovely cca for that because i'm really not sure the debts mine.

 

However, there is something really quite worrying about the letter. Basically, about halfway down it says the following:

 

'If you ignore the instructions and fail to take action by ........

 

This may result in one of the following

1. Legal proceedings being automatically issued against you in the county court/Sheriff's court - which could result in:

 

  • a county court judgement or decree against you
  • your possessions being seized
  • your debt increasing because of court costs

2. A debt collector being instructed to visit your home and collect the debt personally

 

Now, its that second part. Is it just me or does that sound like they're saying they can send bailiffs round to collect the debt even without a ccj?

 

What do other people think? I'm pretty sure that they can only send bailiffs with a ccj and that claiming to be able to send them without one is illegal. Even if they are just saying they will send them round, it makes it sound like they will legally be able to take things. Surely if they were being honest they would say at the end of part 2....you are not legally required to open the door and pay us/let us take goods without a ccj.

 

Are they being deliberately misleading......if so what should I do in regards to this?

 

Many thanks everyone! Lets keep fighting the good fight

:D

 

I've highlighted (in red) all you need to know....scare tactics is all it isl


Just hate every DCA out there

Share this post


Link to post
Share on other sites

Thanks for the replies. know its all scare tactics, I actually laughed when I got that letter. Was just wondering if it was worth a complaint seeing as it was very misleading. After all, the average person who hasnt been fighting these types of muppets would most likely think it meant they could just come around with no ccj.

 

Other than the OFT, should I write anything about it to them when I send off my cca? I was thinking about complaining about the threatening nature of their letter anyway.......

 

Something along the lines of.....I found your letter to be extremely misleading and personally threatening. I am not sure as to why you felt you should be so threatening. I have never heard from your company before, and would have expected you to have at least sent a professional letter informing me of this alleged debt before you decided to start being threatening......................

 

Basically because it sounds a bit condascending......and I do like to annoy these chumps sometimes :lol:

 

What do you think?

 

Will send out the cca tomorrow probably then update if and when i get anything back

Share this post


Link to post
Share on other sites

They need to arrange an appointment before they visit and with your consent.

They have no more right of entry than the milkman.

Write to them and tell they they don't have your authority to visit and if they do turn up tell them to do one, and call the local Police if they don't.

Share this post


Link to post
Share on other sites

Thanks Bonzo

 

I'll have to put that in when I send off my cca. Glad i decided to wait til tomorrow to do it.

 

More things to annoy them......mwahahaha!

Share this post


Link to post
Share on other sites
Thanks Bonzo

 

I'll have to put that in when I send off my cca. Glad i decided to wait til tomorrow to do it.

 

More things to annoy them......mwahahaha!

 

Doorstep collections letter>>

 

I also note it is your intention to arrange a “doorstep call”, please be advised that under OFT rules, you can only visit me at my home if you make an appointment and I have no wish to make an appointment with you

 

There is only an implied license under Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v. Sheppard and Short Ltd [1959] 2 Q.B. per Lord Evershed M.R.). Therefore take note that I revoke license under Common Law for you, or your representatives to visit me at my property and if you do so, then you will be liable to damages for a tort of trespass and civil action will be taken.


Just hate every DCA out there

Share this post


Link to post
Share on other sites

Thanks for that pmh, this is all gonna be a nice surprise for them :D

 

My God I love this forum and everybody on it!

 

All this stroppiness on their part already and I havent even been trying to avoid them lol.

 

Ah at least it keeps me mildly entertained. If it wasnt for everybody here I would be so stressed about this so thank you again to everyone.

Share this post


Link to post
Share on other sites

Of course make a complaint to the OFT The Office of Fair Trading: Contact us

debtcollectionguidance@oft.gsi.gov.uk

But as was seen last night, don't expect any reaction, besides they won't look into individual complaints, but will put it in the drawer with all the others and then when that draw becomes full, they empty it out and slap the DCA's wrists:mad:

 

A much better way forward is to make a complaint to these guys;) How to Complain

 

Then these Consumer Direct who will forward your complaint onto your area's Trading Standards as well as the DCA's TS.

 

Complaints - Privacy & electronic communication - ICO

 

Financial Ombudsman Service

 

For Future Reference;)

 

The Office of Fair Trading: Debt collection practices

 

Administration of Justice Act 1970 (c.31)

 

Malicious Communications Act 1988 (c. 27)

 

Protection from Harassment Act 1997 (c. 40)

 

 

Boo;)


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
I've highlighted (in red) all you need to know....scare tactics is all it isl

 

or you could reply and say:-

 

I hope the guy coming to collect the debt is 6ft2@ 16 stone and a night club bouncer- because my son is!!

Share this post


Link to post
Share on other sites

haha I should do that! Funnily enough my partner isnt far off that :D

 

Soory for the no reply, been doing new job related stuff (w00t new job). Actually decided to read the letter properly and its actually for vodaphone so am sending a 'not my debt' letter.

 

Have posted that in another thread here :

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/211694-eek-vodaphone.html#post2322161

 

Thanks for all the replies though

Share this post


Link to post
Share on other sites

Hi Youslaa,

 

I've already posted in your other thread letting you how you can contact me with your details if you need any further help.

 

Thanks,

 

Lee

 

Web Relations Team

 

Vodafone UK

Share this post


Link to post
Share on other sites
Hi Youslaa,

 

I've already posted in your other thread letting you how you can contact me with your details if you need any further help.

 

Thanks,

 

Lee

 

Web Relations Team

 

Vodafone UK

 

so you havent really helped just ask him to reveal his true identity


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

Hi PGH7447 and Youslaa,

 

Just thought I'd come back to the thread to clarify that I work for and represent Vodafone.

 

As you'll appreciate, it's only possible to help customers with account specific queries but having access to their account.

 

Naturally, this contact has to be carried out privately so as to protect the true identify of the poster. Please be assured that we're keen to help, where we can, to get customers' queries resolved as quickly as possible.

 

Hope this helps to clear things up for you both.

 

Lee

 

Web Relations Team

 

Vodafone UK

Share this post


Link to post
Share on other sites
Hi PGH7447 and Youslaa,

 

Just thought I'd come back to the thread to clarify that I work for and represent Vodafone.

 

As you'll appreciate, it's only possible to help customers with account specific queries but having access to their account.

 

Naturally, this contact has to be carried out privately so as to protect the true identify of the poster. Please be assured that we're keen to help, where we can, to get customers' queries resolved as quickly as possible.

 

Hope this helps to clear things up for you both.

 

Lee

 

Web Relations Team

 

Vodafone UK

 

UNDER NO CIRCUMSTANCES SHOULD YOU CORRESPOND WITH THIS PERSON! ALL THE LEGAL ACCURATE AND UNBIASED HELP YOU NEED WILL BE FOUND HERE ON CAG, NOT THROUGH A TROLL EMPLOYED BY THE ORGANISATION YOU HAVE AN ISSUE WITH.

AVOID AVOID AVOID8)


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

As you'll appreciate, it's only possible to help customers with account specific queries but having access to their account.

Naturally, this contact has to be carried out privately so as to protect the true identify of the poster. Please be assured that we're keen to help, where we can, to get customers' queries resolved as quickly as possible.

 

WHICH IS EXACTLY WHY YOU HAVE YOUR OWN DEDICATED CUSTOMER SERVICE NUMBER AND EMAIL ADDRESS.

Youslaa YOU ARE STRONGLY ADVISED "NOT" TO GIVE THIS TROLL ANY OF YOUR PERSONAL INFORMATION, INCLUDING YOUR PHONE NUMBER/REFERENCE NUMBER/ADRESS ETC..AVOID AVOID AVOID


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

I have a question for Lee Vodafone and I am not being rude but are you alloud to look into people account and stuff when the office is closed?

Share this post


Link to post
Share on other sites

Of course he isn't just another telephone threat monkey getting above his station, a little like "The Inside Man" the other day, purporting to be a 'manager':lol:

 

It's OK though have already cut and pasted an email to Voda informing them of the potential breach of DPA...:D


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
Hi PGH7447 and Youslaa,

 

Just thought I'd come back to the thread to clarify that I work for and represent Vodafone.

 

As you'll appreciate, it's only possible to help customers with account specific queries but having access to their account.

 

Naturally, this contact has to be carried out privately so as to protect the true identify of the poster. Please be assured that we're keen to help, where we can, to get customers' queries resolved as quickly as possible.

 

Hope this helps to clear things up for you both.

 

Lee

 

Web Relations Team

 

Vodafone UK

 

You can help by stopping your company using such tactics as passing "Debts" to DCA's that use such tactics, and by maybe trying to help customers in distress in the first place, or is that too simple for your company and others who at the first sign of a bottom line loss sell these alledged debts on

Edited by PGH7447

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

Lee_Vodafone needs some close attention from the moderators as he is messaging folks directly.

 

BE VERY WARY.

Share this post


Link to post
Share on other sites

he'll PM me once-I can assure you he won't be doing it a second time ;)


Share this post


Link to post
Share on other sites

shouldn't members who proclaim themselves industry insider,and who haven't informed the mods at time of registration -as per site rules-be automatically banned?


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...