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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

 

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    • OK, I found the letter I was looking for:     Dear Sir/Madam,   Reference: [order number]   On [date], I placed an order for a [item] and it was delivered by you on [date].   I have discovered that the [item] has the following problem: [give details].   The Consumer Rights Act 2015 makes it an implied term of the contract that goods be as described, of satisfactory quality and fit for purpose.    Any returns policy that says I have to cover the cost of returning items must only relate to the situation where I change my mind about the item ordered and not where there is a problem with the item.    I should not lose out financially as a result of your breach of contract and accordingly all costs of returning the item should be met by you.    I also require you to confirm you will arrange for [the item] to be collected.   I look forward to hearing from you.   Yours faithfully, [Your name]
    • Pleased to hear that.   A general comment, for future readers of this thread, from my experiences of being an Executor.   Most large companies have a centralised 'Bereavement' department and I've found it's best to notify the death to them rather than the general customer service call centres. Search the company's website for 'bereavement'.   The bereavement departments are in my experience staffed by people who understand the processes when someone dies both for the relatives/executors and within their own companies and they get things sorted efficiently. (I've never had to use Vodafone's though).
    • Hi All, A simple question really. I received a NTK ticket on a lease vehicle last year from Parking Eye. As expected, they were adamant i was at fault and no payment was made. I highlighted to them that their signage no longer had planning permission and this was ignored however since ignoring this, they have gone quiet and have been for roughly 6 months now. I know they can claim for up to 6 years(??) after. As it was a lease vehicle, the RK was the lease company. PE were provided my personal address and had been communicating with me via letter there. I have now moved house and what i would like to avoid is them issuing court papers, something which i know PE like to do, me not being aware and eventually ending up with a default CCJ against my name. I appreciate i could write to them and update my address with them however i worry this may "Wake them up" a bit regarding my case. What is the best approach here?
    • Forget the warranty that means nothing and a warranty does not replace or over rule your rights under CRA amongst other consumer legislation. which state that outside of 30days but within 6mts its the sellers that is responsibility to confirm the item faulty, which has been done.   contact amazon with that proof and demand a replacement, refund or repair as they feel fit.        
    • Thanks BN   I take it this is a good sign then like you say. I certainly won’t be making any payments to them.
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      I was in Sainsbury’s today and did scan and shop.
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mr.ton

Marlin a bit sensitive perhaps?

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It's not on their website where it's needed, it's nailed to the foreheads of their telephone jockeys. :rolleyes:


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.

 

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I clicked on their website & boom....that compliance statement came straight out at me with such force :D

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wonder what prompted this then - O I know Mark and his buddies in that sitcom dispatches:D


PGH7447

 

 

Getting There Slowly

---------

 

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

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Maybe Mark's bosses got him to put that statement on the website? :D

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he should be made to write it out a hundred times so it is imprinted in his small brain


PGH7447

 

 

Getting There Slowly

---------

 

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

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Make him stay behind after working hours & do it :mad:

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Maybe Mark has lost his job and has now stopped paying his credit cards, and is about to be chased by a DCA

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We all hope that is the case, as much as i wouldnt wish unemployment on anyone - in his case i'll make an exception :mad:

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quote-

"H) Use plain English in all communications."

 

or is that anglo saxon english??


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This appears to be the risible CSA Code of Practice, a document about as meaningful as Josef Fritzl's Guide to Parenting Skills.

 

It's worth remembering that the CSA is not a regulatory body; it's just the debt industry's mutual stroking club. If this page from Marlin's website demonstrates their commitment to compliance, it's no wonder people do not take their protests seriously.

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Sadly for them - the only use of English they know of is that of the abusive & deceptive type...as we saw with Mark :rolleyes:

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Maybe Mark has lost his job and has now stopped paying his credit cards, and is about to be chased by a DCA

I bet he's still there! Probably changed his name again!

Maybe it's Keziah well that was the name on a letter from them recently!

I've complained & complained about them and to them and got nowhere. But hopefully the Channel 4 progarm has changed that! In fact I know it has!;) Don't ask me to expand on this yet!

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I would love to know if anyone has actually spoken to Mark after that programme was aired? ;)

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I've been ringing them every day (4 times a day) since their recruitment drive on Dispatches the other week, but still they won't let me speak to Mark!:-x

 

And until they do, the calls will continue, just trying to find his employers number so i can ask him why he employs someone who refuses to answer his phone calls: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!

 

 

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Putting a "compliance notice" up is easy, complying.... we'll see..

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I've been ringing them every day (4 times a day) since their recruitment drive on Dispatches the other week, but still they won't let me speak to Mark!:-x

 

And until they do, the calls will continue, just trying to find his employers number so i can ask him why he employs someone who refuses to answer his phone calls:D

 

their conduct in this matter is unacceptable and will not be tolerated-valid even if not read by Marlin

:lol:


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I think Mark is unable to answer the phone as he has strained his wrist...

 

If you look closely at the documentary you can see him practising during his phone calls...:p


[sIGPIC][/sIGPIC]

'Simples.' ;)

 

Any advice I offer is probably useless but there may be little nuggets of gold in there somewhere......If I have helped in any way, be it with knowledge or by giving your chuckle muscle some exercise please feel free to tip my scales....:-D

 

 

They say money talks......mine just keeps saying "Goodbye"

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I think Mark is unable to answer the phone as he has strained his wrist...

If you look closely at the documentary you can see him practising during his phone calls...:p

 

Boom,boom......:D

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For anyone that is remotely interested.....

 

1.General Conduct

 

Each member shall act responsibly and with integrity in the day-to-day conduct of its business. For example:

 

A) Conduct its business lawfully, comply with all relevant UK legislation, regulation and judicial decisions and trade fairly and responsibly.

 

B) Conduct its business under a name, title or style which will not confuse or mislead clients, creditors, debtors or members of the public, or which will not imply any association with other organisations or persons, which do not exist.

 

C) Comply with this Code of Practice and follow any guidance notes issued by the Board of the Association.

 

D) Comply with Debt Collection Guidance as Published by the Office of Fair Trading from time to time.

 

E) Where appropriate, comply with guidance issued by OFCOM, with particular regard to ‘silent calls’.

 

F) Follow where appropriate any requests conveyed to members by the Board of the Association or the enforcement authorities.

 

G) Provide adequate training for members of its staff, bringing to their attention the principles of this Code and requiring them to carry out their duties in accordance with it. Also, ensure continuous and appropriate training of staff in respect of current legislation and best practice.

 

H) Use plain English in all communications.

 

I) Show on all letters, postcards and forms the full business address, telephone number and email address, where used.

 

J) In all contacts by staff or agents, ensure that the member’s identity is clearly disclosed.

 

K) Ensure by continuously examining debt collection procedures, and those of any third parties employed, that they conform to the highest ethical standards.

 

L) Ensure that their agents, sub-contractors and subsidiaries comply with the Association’s Code and Guidelines.

 

M) Comply with all reasonable requests by debtors, clients or their appointed representatives for information concerning their agreements and accounts.

 

N) Ensure the Association’s Code is available on their own website where they have one. They shall further ensure that a copy of the Code is supplied promptly upon request.

 

2. Confidentiality

 

Members must keep in strict confidence any information supplied by the debtors or their chosen third party, except where disclosure is authorised by the debtor or others permitted or required by law.

 

3. Complaints

 

A) Each member shall have in place adequate processes to deal with debtors or client com­plaints, this must contain the following minimum procedure:

 

i. The Management level at which complaints are handled.

ii. The time frame in which complaints are handled.

iii. The remedy, if the complainant is not satisfied.

iv. Complainants must be advised that one of the remedies is referral of the complaint to the Association where appropriate.

 

B) Members shall deal with complaints speedily, responsively, in a user-friendly fashion and at an appropriate management level.

 

C) Member’s complaints procedures must be made available to the complainant or his/her advisor on request.

 

D) For Consumer Credit Regulated Complaints, Members must follow the DISP Rules set by the Financial Ombudsman Service.

 

E) If a complaint is made to the Association in relation to dealings with a member of the Association, the Association will deal with the complaint in accordance with the published complaints procedure.

 

Debt Collection & Default, Trace and Debt Purchase Guidelines

 

The following list of guidelines is intended as an indication of the procedures to be adopted by members. It is not intended as an exhaustive directive to members.

 

Moreover, the effectiveness of collection techniques and procedures depends on the circumstances applying at the time collection is attempted and so cannot be regulated in an absolute manner. Nevertheless, the Association expects compliance with the guidelines and any member not so complying will have to give a justifiable reason for non-compliance in the event of a complaint being received by the Association.

 

4. Debt Collection & Default Guidelines

 

In attempting to carry out collection in default of payment, members of the Association should:

 

A) Not use oppressive or intrusive collection procedures.

 

B) Not bring unreasonable pressure to bear on the debtor in default of payment.

 

C) Not act in a manner in public intended to embarrass the debtor.

 

D) Be circumspect and discreet when attempting to contact the debtor by telephone, SMS, email or by personal visit, with due regard to the Data Protection Act and OFT Guidance.

 

E) Ensure that all attempted contacts with debtors are made at reasonable times and at reasonable intervals.

 

F) Unless instructed otherwise, accept all reasonable offers by debtors to pay by installments, provided acceptable evidence of non-ability to pay is given.

 

G) Not use improper* means to obtain the telephone number and address of a debtor and treat all information supplied as private and confidential unless specific authorisation has been given by the debtor to disclose information to third parties. (*Improper in this connection would refer to actions in breach of relevant legislation or in breach of the Association’s code.)

 

H) In respect of 4g above, have specific regard to Section 55 of the Data Protection Act 1998.

 

I) Not pressurise debtors to sell property or to raise funds by further borrowing.

 

J) Not falsely imply by written or verbal means that criminal proceedings will be brought, nor that civil action has or will be instituted where members are unable to do so due to legal restrictions.

 

K) Ensure that collectors who use pseudonyms can be identified within the members organisation.

 

L) Have due regard and deal sensitively with individuals where evidence has been given, or is apparent, that the individual is incapacitated by mental or physical disability.

 

M) When dealing with fee charging debt advisory services, follow the Office of Fair Trading Guidelines on debt management.

 

N) Offer maximum co-operation with the debtor’s nominated or chosen Third Party.

 

O) Encourage debtors in financial difficulties to inform members of their difficulties and then respond sympathetically and positively on the evidence provided.

 

P) Take into consideration before determining whether to enforce repayment, all information supplied in relation to the reason for non-payment, which may include The Common Financial Statement, or the debtor’s future ability to repay. If the debtor has disclosed multiple debt problems, inform them of the availability of advisory services.

 

Q) Where available, provide in all relevant correspondence the name or designation of a specially trained member of staff who may be contacted regarding financial difficulties.

 

5. Trace Guidelines

 

Each member shall:

 

A) In all attempts to trace, act with full regard to the Data Protection Act 1998.

 

B) Comply with the Trace Guidance issued by the Credit Services Association.

 

C) Not misrepresent their position and remain transparent.

 

D) Take all reasonable steps to verify that the person

traced is in fact, the subject.

 

E) Verify data relating to a subject’s whereabouts via one

or more of the following methods:

i. Public and other available databases, for example the Voters’ Roll, Credit Reference Bureaux

ii. Sending appropriate trace communication to the last known or alternative address

iii. Contacting third parties, for example neighbours, relatives

iv. Investigative/field enquiries, for example visit to the last known address

 

F) Where it becomes apparent that the located person is not the subject, update all appropriate records accordingly.

 

6. Purchased Debt Guidelines

 

Each member shall:

 

A) Timely advise the consumer that the debt has been

assigned.

 

B) Adhere to all relevant requirements under the Consumer Credit Act 1974 & 2006 and any other relevant legislation.

 

C) In debt collection and trace activity comply with the

principles of this Code.

 

7. Conduct Regarding Clients

 

Each member shall:

 

A) Ensure fairness and transparency of contracts made with clients.

 

B) Inform their clients of the true rates of charges for services rendered.

 

C) Safeguard the security of collected monies.

 

D) Account and remit to their clients at least once a month, or as otherwise agreed all monies collected.

 

E) Ensure that by prior arrangement clients are able to visit their premises for the purpose of auditing and checking their accounts.

 

F) Not approach, induce or persuade staff in the

employment of a client to join the Member’s organisation, although nothing in this clause will prohibit the engagement by a member of such an employee where a bona fide application is made.

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I think Mark is unable to answer the phone as he has strained his wrist...

 

If you look closely at the documentary you can see him practising during his phone calls...:p

 

 

Yes I made mention of that strange wrist action in my congratulatory email sent via their on-line contact form. (Sans my contact details of course)

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1.General Conduct

 

Each member shall act responsibly and with integrity in the day-to-day conduct of its business. For example:

 

A) Conduct its business lawfully, comply with all relevant UK legislation, regulation and judicial decisions and trade fairly and responsibly.

 

B) Conduct its business under a name, title or style which will not confuse or mislead clients, creditors, debtors or members of the public, or which will not imply any association with other organisations or persons, which do not exist.

 

C) Comply with this Code of Practice and follow any guidance notes issued by the Board of the Association.

 

D) Comply with Debt Collection Guidance as Published by the Office of Fair Trading from time to time.

 

E) Where appropriate, comply with guidance issued by OFCOM, with particular regard to ‘silent calls’.

 

F) Follow where appropriate any requests conveyed to members by the Board of the Association or the enforcement authorities.

 

G) Provide adequate training for members of its staff, bringing to their attention the principles of this Code and requiring them to carry out their duties in accordance with it. Also, ensure continuous and appropriate training of staff in respect of current legislation and best practice.

 

H) Use plain English in all communications.

 

I) Show on all letters, postcards and forms the full business address, telephone number and email address, where used.

 

J) In all contacts by staff or agents, ensure that the member’s identity is clearly disclosed.

 

K) Ensure by continuously examining debt collection procedures, and those of any third parties employed, that they conform to the highest ethical standards.

 

L) Ensure that their agents, sub-contractors and subsidiaries comply with the Association’s Code and Guidelines.

 

M) Comply with all reasonable requests by debtors, clients or their appointed representatives for information concerning their agreements and accounts.

 

N) Ensure the Association’s Code is available on their own website where they have one. They shall further ensure that a copy of the Code is supplied promptly upon request.

 

2. Confidentiality

 

Members must keep in strict confidence any information supplied by the debtors or their chosen third party, except where disclosure is authorised by the debtor or others permitted or required by law.

 

3. Complaints

 

A) Each member shall have in place adequate processes to deal with debtors or client com­plaints, this must contain the following minimum procedure:

 

i. The Management level at which complaints are handled.

ii. The time frame in which complaints are handled.

iii. The remedy, if the complainant is not satisfied.

iv. Complainants must be advised that one of the remedies is referral of the complaint to the Association where appropriate.

 

B) Members shall deal with complaints speedily, responsively, in a user-friendly fashion and at an appropriate management level.

 

C) Member’s complaints procedures must be made available to the complainant or his/her advisor on request.

 

D) For Consumer Credit Regulated Complaints, Members must follow the DISP Rules set by the Financial Ombudsman Service.

 

E) If a complaint is made to the Association in relation to dealings with a member of the Association, the Association will deal with the complaint in accordance with the published complaints procedure.

 

Debt Collection & Default, Trace and Debt Purchase Guidelines

 

The following list of guidelines is intended as an indication of the procedures to be adopted by members. It is not intended as an exhaustive directive to members.

 

Moreover, the effectiveness of collection techniques and procedures depends on the circumstances applying at the time collection is attempted and so cannot be regulated in an absolute manner. Nevertheless, the Association expects compliance with the guidelines and any member not so complying will have to give a justifiable reason for non-compliance in the event of a complaint being received by the Association.

 

4. Debt Collection & Default Guidelines

 

In attempting to carry out collection in default of payment, members of the Association should:

 

A) Not use oppressive or intrusive collection procedures.

 

B) Not bring unreasonable pressure to bear on the debtor in default of payment.

 

C) Not act in a manner in public intended to embarrass the debtor.

 

D) Be circumspect and discreet when attempting to contact the debtor by telephone, SMS, email or by personal visit, with due regard to the Data Protection Act and OFT Guidance.

 

E) Ensure that all attempted contacts with debtors are made at reasonable times and at reasonable intervals.

 

F) Unless instructed otherwise, accept all reasonable offers by debtors to pay by installments, provided acceptable evidence of non-ability to pay is given.

 

G) Not use improper* means to obtain the telephone number and address of a debtor and treat all information supplied as private and confidential unless specific authorisation has been given by the debtor to disclose information to third parties. (*Improper in this connection would refer to actions in breach of relevant legislation or in breach of the Association’s code.)

 

H) In respect of 4g above, have specific regard to Section 55 of the Data Protection Act 1998.

 

I) Not pressurise debtors to sell property or to raise funds by further borrowing.

 

J) Not falsely imply by written or verbal means that criminal proceedings will be brought, nor that civil action has or will be instituted where members are unable to do so due to legal restrictions.

 

K) Ensure that collectors who use pseudonyms can be identified within the members organisation.

 

L) Have due regard and deal sensitively with individuals where evidence has been given, or is apparent, that the individual is incapacitated by mental or physical disability.

 

M) When dealing with fee charging debt advisory services, follow the Office of Fair Trading Guidelines on debt management.

 

N) Offer maximum co-operation with the debtor’s nominated or chosen Third Party.

 

O) Encourage debtors in financial difficulties to inform members of their difficulties and then respond sympathetically and positively on the evidence provided.

 

P) Take into consideration before determining whether to enforce repayment, all information supplied in relation to the reason for non-payment, which may include The Common Financial Statement, or the debtor’s future ability to repay. If the debtor has disclosed multiple debt problems, inform them of the availability of advisory services.

 

Q) Where available, provide in all relevant correspondence the name or designation of a specially trained member of staff who may be contacted regarding financial difficulties.

 

5. Trace Guidelines

 

Each member shall:

 

A) In all attempts to trace, act with full regard to the Data Protection Act 1998.

 

B) Comply with the Trace Guidance issued by the Credit Services Association.

 

C) Not misrepresent their position and remain transparent.

 

D) Take all reasonable steps to verify that the person

traced is in fact, the subject.

 

E) Verify data relating to a subject’s whereabouts via one

or more of the following methods:

i. Public and other available databases, for example the Voters’ Roll, Credit Reference Bureaux

ii. Sending appropriate trace communication to the last known or alternative address

iii. Contacting third parties, for example neighbours, relatives

iv. Investigative/field enquiries, for example visit to the last known address

 

F) Where it becomes apparent that the located person is not the subject, update all appropriate records accordingly.

 

6. Purchased Debt Guidelines

 

Each member shall:

 

A) Timely advise the consumer that the debt has been

assigned.

 

B) Adhere to all relevant requirements under the Consumer Credit Act 1974 & 2006 and any other relevant legislation.

 

C) In debt collection and trace activity comply with the

principles of this Code.

 

7. Conduct Regarding Clients

 

Each member shall:

 

A) Ensure fairness and transparency of contracts made with clients.

 

B) Inform their clients of the true rates of charges for services rendered.

 

C) Safeguard the security of collected monies.

 

D) Account and remit to their clients at least once a month, or as otherwise agreed all monies collected.

 

E) Ensure that by prior arrangement clients are able to visit their premises for the purpose of auditing and checking their accounts.

 

F) Not approach, induce or persuade staff in the

employment of a client to join the Member’s organisation, although nothing in this clause will prohibit the engagement by a member of such an employee where a bona fide application is made.

 

It sent me to sleep after the 1st few lines :-(

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My impression of it rhymes with rowlocks. :(


[sIGPIC][/sIGPIC]

'Simples.' ;)

 

Any advice I offer is probably useless but there may be little nuggets of gold in there somewhere......If I have helped in any way, be it with knowledge or by giving your chuckle muscle some exercise please feel free to tip my scales....:-D

 

 

They say money talks......mine just keeps saying "Goodbye"

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