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The road to Hell is paved with good intention ;)

Ok so now they've secured a further 14 days to get their defence in.

All they've done to date is tick a box saying they want to defend, there's a lot more to do yet :p

Just wait the 14 days and see what tosh they come up with this time :)

 

"tosh" quite appropiate

 

cab

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"tosh" quite appropiate

 

cab

 

agreed!

 

no doubt my 'assertations' as to timescales will come into it :rolleyes: yep thats right i made it all up :rolleyes:

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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:rolleyes:

 

"unloved"

 

we luv ya.

 

cab

 

 

:lol: someone gotta :lol: right??!!!

 

(wonders why i never got notifications for these posts!)

 

Can I just say thank you to all those that have helped me through this claim no matter what happens I couldnt have ever have even got this far without your help! For those that have come and gone, promise nothing, let no one down!

CAG needs every single one of us to be knowledgeable and generous not monetary (alone) but knowledge wise!

Dont let fellow caggers down keep fighting the good fight not just against welcome but against every single godforsaken dodgy company out there! Knowledge is power and between us all we have the most powerful thing of all! NUMBERS!

Just remember what you learn in your welcome fight can help others when dealing with other companies!

 

Im going to stop preaching now! Sorry for lettin the bee outta my bonnet just hope it was accepted in the tone it was meant!!!!

 

Thank you again for all your help and advice! Id like to think ive made a few friends from this experience if nothing else! :D

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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oh is that a tear in my eye...no no just pollen:D

 

I have to agree about this site if anything its given me the guts to fight...

 

Ok enough mush :razz:

 

 

:lol::lol: :lol:

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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oh is that a tear in my eye...no no just pollen:D

 

I have to agree about this site if anything its given me the guts to fight...

 

Ok enough mush :razz:

 

I totally agree with both of you.

It's made me realise that even big companies (who should know the ins and outs of the law)can be wrong.

They rely on the fact that most people ( me included) are quite gullible and will give up without a fight.

 

NOT ANYMORE.

 

Thank you to all who give advice on this site.

 

Dawnx

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:lol: someone gotta :lol: right??!!!

 

(wonders why i never got notifications for these posts!)

 

Can I just say thank you to all those that have helped me through this claim no matter what happens I couldnt have ever have even got this far without your help! For those that have come and gone, promise nothing, let no one down!

CAG needs every single one of us to be knowledgeable and generous not monetary (alone) but knowledge wise!

Dont let fellow caggers down keep fighting the good fight not just against welcome but against every single godforsaken dodgy company out there! Knowledge is power and between us all we have the most powerful thing of all! NUMBERS!

Just remember what you learn in your welcome fight can help others when dealing with other companies!

 

Im going to stop preaching now! Sorry for lettin the bee outta my bonnet just hope it was accepted in the tone it was meant!!!!

 

Thank you again for all your help and advice! Id like to think ive made a few friends from this experience if nothing else! :D

 

You'll only get one notification at a time UNTIL you visit the forum again :D

 

Here here on all the mushy stuff, mmmmwwwaaaaaa to you and CAG!!!!! x x x :lol:

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You'll only get one notification at a time UNTIL you visit the forum again :D

 

Here here on all the mushy stuff, mmmmwwwaaaaaa to you and CAG!!!!! x x x :lol:

 

I know that but I wasnt getting any at all for any threads :mad:

 

hehehe xx

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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They are working now lolol xx

Hope your fight going ok xx

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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If you're not busy come over to the VR forum, I'm stuck!! :confused:

 

on my way xx

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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It was my intention to get my witness statement finished today :eek: Then I just keep getting sidetracked! :eek: Although I'm being very good and haven't been on facebook today!! :p

 

Ah you will do it ;)

haha YET! x

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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As soon as I wrote that message I started thinking; "hmmmm.....facebook"!!!!! :eek:

Stop encouraging me!!! :p

 

 

Sowwwy :D

Im confused on that top thread in VR

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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Yes the 2 new ones are complicated, hope somebody else can help :confused:

 

I need to get ready for meeting (my first as a consultant :eek:) but ill be back tonight ill have another read then xx

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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OK best of luck!!!! :D

 

Thank you, it went great! x

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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stop posting your making me come back on and read....and its interupting my sunbathing if you dont mind ! :)

 

 

PMSL now i know where the sun went!

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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Don't panic, the Customer Account Managers are pretty much bullied into chase, chase, chase by Branch Manager and in turn Area Managers.

They are targeted at branch level to keep their 'delinquencies' or arrears cases to a bare minimum. Always have done, always will do. All in all it is very aggresive, but forms a big part of their monyhly targets and of course 'commission'.

1) if you have asked them not to call work number, they have to respect this, should then be noted on their electronic record of your account.

2) all of their calls are recorded and once requested to strike the work number, they have to. So if you want to write, requesting this tactic ceases, also mentioning has been requested verbally and you know calls are recorded.They have to abide and also reply - they have to keep a complaints log to satisfy part of the 'Treating Customers Fairly' philosophy.

3) Account Manager will probably lie and deny they are doing anything wrong, but remind them that this is covered under the 'Treating Customer Fairly' part of the FSA guidelines and compliance rules......all in all as they know you fear the work contact route, they are using this option to keep the pressure on

4) Regularity of calls - keep a log of the number of and the times called. You are correct, if the number of these persists, it is harrassment. you may need this log, again to use against them at a later stage, especially if we go the route of reporting to Financial Ombudsman Service - the authorities are fully aware of their tactics by the sheer number of complaints and enquiries they receive

5)Solicitors love cases like this but of course being very expensive would suggest you go along to your local Citizens Advice Bureau with all letters, info, credit agreement and log of calls etc

6)Outstanding balances/repayments. No-one can ever make sense of these but simply, if you make evry payment on time throughout, agreement will end as planned, but what they rely on is erratic payers and this is why. Each month after your payment comes off, the interest gets added in the same way as on a credit card. Should you miss a payment, the balance is therefore, higher than should be, so attracts more interest, also add to this that they add charges to your account for phone calls, rejected payments, letters and anything else you can think of, these of course also attract interest. The only way to get on track is to pay all of the missed payments, extra charges levied and additional interest incurred and then the agreement will be nearer running it's natural course.

Hope this little lot gives you some comfort.

An old colleague once told me 'knowledge is power', so now you have some power, use it but resist ranting and raving, just keep it calm if you can.

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