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echowitch

Verbal Dispute

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If you dispute an account verbally over the telephone, does it still count as being in dispute ?? Or does it need to be written notification ??


__________________

Capital One - Took them to court and they settled for the full £998

Aqua - Threatened legal action, they refunded the whole £424

Barclaycard - Threatened legal action, they refunded the whole £636

RBS/Universa - 1st letter sent, settled for £132

Virgin Media - 1st Judge great....second Judge couldn't even be bothered to read the case details

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best in writing - it has been said that DCA's lie


PGH7447

 

 

Getting There Slowly

---------

 

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

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Do everything in writing, never talk to them!!

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best in writing - it has been said that DCA's lie

 

:D:Djust laughing no comment as bum is still sore from daily cagbots.

 

a recorded letter can not go missing:)

 

SAM


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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a recorded letter can not go missing:)

 

SAM

 

It can actually, I send anything vital by Special Delivery, even that is not 100% reliable. :mad:

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Well I've verbally told British Gas, one DCA, and one set of solicitors verbally about the same account. Of course this is all before I knew about this Consumer stuff :) But as British Gas is one of them (and they were verbally told at least 4 times) I suppose I could always do a SAR to request the transcripts of the phone calls which they keep.


__________________

Capital One - Took them to court and they settled for the full £998

Aqua - Threatened legal action, they refunded the whole £424

Barclaycard - Threatened legal action, they refunded the whole £636

RBS/Universa - 1st letter sent, settled for £132

Virgin Media - 1st Judge great....second Judge couldn't even be bothered to read the case details

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why not


PGH7447

 

 

Getting There Slowly

---------

 

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

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I have written letters re a dispute, and they were not answered. Eventually had to resort to calling them (electricity company sending bills with just demand for money, no backup and just addressed to "Customer".)

 

My advice is: if you HAVE to speak to someone, then, immediately after the conversation, write a letter to them confirming the conversation and what was said/agreed and then post off that letter (recorded delivery).

 

If they do not then REBUT, for example, something in the letter, then it could be argued that the letter did reflect what was agreed. If it ever got in front of a judge, you can say "we had this conversation, I did a summary of it, I sent it to the DCA, utility company, other, and they did not write back to dispute it then - so how can they dispute it now. While maybe not legally foolproof, it does show you are "on the ball" and should put the onus back on them if they want to challenge.

 

This strategy also gives you a paper trail and a reminder of what actually was said/agreed.

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