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    • The problem is nuisance/ spoof calls could be coming from the UK or anywhere around the world ?   They are tricking caller display into showing number from "Example" 0161 123 4567" Manchester number, but the call can ordinate from the other side of the world.    BT and Ofcom are aware of this problem, but they are  not having much success in finding a solution as most these calls come from overseas and are outside the EU.   Another trick these scammers are using is, they have software set up on a computer that would dial every phone number Possible.   A computer with dial the code "Example" 0121 200 then dialling every number range from 0001 to 9999, then every time some answer call a operator is alerted, this is how scammers are even getting through to ex directory number.   Same with mobiles, a computer with dial the code "Example" 07661 then dialling every number range from 500000 to 599999.   Scammers are also using VOIP to make All these calls for very little cost to them or even free.   https://tinyurl.com/y64dvvh2     ...  
    • It is telling though that a week in and none of those contributors have had anything to say.
    • Before i fire off a SB letter to BW i have question.   I've read some threads re SB and there is some conflicting advice given   One is to send the SB, the other is not to as it invites letter tennis and the "yes it is, no it isnt"   Given that i have a PAPLOC, should i return that witin the 30 days, send the SB or do both?   Thanks   Martin
    • Thank you for your response. So the bit about being entitled to any VAT or PPI payments, are they entitled to this?
    • Thanks for your reply dx100uk appreciate your help. Is this the barred letter Updated Nov 19? So I not need to wait for agreement or send correspondence to Resolvecall? thanks 
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    • I’m in desperate need of help
       
      I bought some clothes online in may through Evans and paid through PayPal
      returned them all seven days later
       
      I waited the 14days for my refund and no refund came
      I put in a dispute through PayPal but I didn’t get any emails to escalate the case - PayPal closed it. 
      evans said they couldn’t refund the money because PayPal have cancelled the refund because of the open dispute
       
      I contacted PayPal
      they said the dispute had been closed but Evans at no point had attempted a refund.
      fast forward to today
       
      I’ve got copies of numerous messages sent to and from twitter messages as it’s the only way I can contact them
      I’ve also contacted their customer service too
      all I get is PayPal have cancelled refund because dispute is still open.
       
      I have proved that the dispute is closed
      I have got an email saying that if Evans sent the refund they would accept it
      but up until the date I got the email they have not once attempted a refund .
       
       I have sent them a letter before court email
      I have even offered to have the full refund as a gift card just to get this sorted !
       
      I’m literally at the end of my tether and don’t know where to turn next !
       
      i suffer with mental health issues and this is affecting my health and I’d saved the money for a year to buy these clothes as I’m on a low income .
    • In desperate need of help. https://www.consumeractiongroup.co.uk/topic/425244-in-desperate-need-of-help/&do=findComment&comment=5067040
      • 29 replies

help. car finance with welcome


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hi hope some one can help. iv got finance on my car what i took out in feb 07 borrowd 4000 pay back 8000 over 48 months so far iv paid about 5500 to them so still have 2500 to pay over the 19months. but the problem is iv been out of work for over 7months now and cant aford to pay them i can hand the car back and walk away from it coz iv payed over half but realy need to keep hold of it im going bankrupt in 1 months time so does eneyone now a way for me to keep the car and them not take it hope some one can help kids love the car.

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seriouse now

 

welcome force these micky mouse insurance products on you as the norm

they will use every excuse in the book not to pay out

i bet you never got it in writing why they refused to pay

 

realy need to know why they refused in your case

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What you MUST do if Welcome have rejected your PPI claim is write back to them stating that as they have not honoured your claim for protection payment insurance, then you state that their PPI wasn't worth the paper it was written on !! request ALL the premiums you have ever had with them back with contractual interest.......they WILL pay if you complain.....If you do go bankrupt and the official receiver interviews you then over your list of debts you will need to put a large 'D' in a circle to state that a particular debt is disputed.......

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

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Write something along the lines of - and send the letter recorded delivery to the Managing Director....

 

Date

 

Account number

 

ACCOUNT IN DISPUTE

 

Dear Sir / Madam.

 

I am writing with some concern over my agreement with yourselves. As of (xxxxx - date) I was made redundant from my job, as a result of this I tried to use the Payment Protection Insurance which your company sold me.

 

As a result I was refused this so called 'insurance'.

 

I am of the opinion that your PPI was obviously missold to me and wasn't even worth the paper it was written on. I now request that you refund me all my premiums paid to you (in the last 6 years if you have taken out other top ups) plus contractual interest.

 

If I do not receive a response within 14 days, I will have option but to report your company to the Office Of Fair Trading, The Financial Ombudsman and my local MP.

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - 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.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

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seriouse now

 

welcome force these micky mouse insurance products on you as the norm

they will use every excuse in the book not to pay out

i bet you never got it in writing why they refused to pay

 

realy need to know why they refused in your case

coz i got the sack and thay see it as my falt. i read yesterday that when i go bankrupt thay can take back the car to try and claim back some of the money even tho iv paid well over half just didnt wont them geting there hands on it. nasty gits.

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Talk to them and let them know.. its the best thing to do with creditors rather than writing letters

Edited by 42man
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Writing letters is one of the best things you can do as so often seen in cases like this, especially as some companies will lie to frighten people into paying....if need be then CANCEL the cover immediately, but you do need to raise a dispute AND put it in writing as they could deny any telephone conversation unless you record your calls...

 

I have a friend who was in exactly the same situation as you tried to claim on the PPI and was refused, he sent letters outlining the dispute, they said they would respond in 8 weeks and never did, he wrote a letter before action to the MD at the time and they refunded ALL his PPI payments in the last 6 years and gave him contractual interest back too over £3,000 worth in a cheque

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - 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.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

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Gibeno

 

SackEd Covers Dissmissal

Voluntry Redundency

Company Going Bust

Laid Off

 

As Ive Said Before

Go Back To Lse Where You Belong

 

Gibeno, you are talking absolute twaddle. Go away.

 

Whats Lse, postggj?

jed

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London School Of Economics ?

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - 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.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

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me thinks lse....is lets stir emotions

 

very fitting for the absolute tosh spouting.

SAM:pLOWELL DETESTER.

 

SO PROUD OF MY AVATAR,THAT TOOK ME WEEKS TO WORK OUT HOW TO GET ONE.:lol:

 

PLZ CLICK MY SCALES IF YOU LIKE WHAT I SAY.

OR IF I HAVE HELPED IN ANY WAY.:smile:

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