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    • Evening Caggers, I've attached what Lowells had sent the OH relating to my CCA request.  If you ask if the credit agreement could be better its even worse in real life (its pretty much unreadable to the naked eye).  They've asked me on the last letter the OH got off them that they would not be sending another copy of the CCA as they've already sent one.  I get that they've sent her a CCA, but to be unreadable this cannot be correct.  Anyway the stars aligned today as the postwoman delivered the contents of the SAR I'd sent to Lowells.  What they sent was generic letters but without the OH's details showing which I thought was quite strange, copies of what I've attached on the PDF and a couple of legacy information from the previous DCA that had it.  What was not included was a breakdown of any additional charges and interest placed on the account nor a Default Notice which I specifically asked for.  Anyway any thoughts on what I've posted would be much appreciated.  Thanks PM  20201031-Lowells OH Vanquis Card Redacted.pdf
    • You need to tell us the story.  I'm afraid that the claim form gives almost no useful information.   You've been here since January and it's a shame you didn't come to us before starting this
    • You made  number of errors:   You didn't take pictures You used Hermes You relied on faith (Bless!)   Yes, you will have to issue legal proceedings. Post up your proposed letter of claim here before you send it off.  Don't expect it to have any effect.  You will have to issue the papers.   Normally Hermes would then force you at least to go to mediation and would then settle for what they think they can get away with in order to avoid court action.   Hermes don't want judgments against them where those judgments would expose their unfair treatment of customers - such as insisting on insurance to cover their own negligence, or relying on a prohibited items list to evade liability for loss.   However, in your case, the issue is not one of insurance or prohibited items.  The question is merely whether the items were adequately packed and so on this issue they could afford the risk of going to court and losing because nothing would undermine their way of doing business. I am telling you this because it means that Hermes might be slightly more determined than usual to to face a judge even though the dispute is over a small sum.   Read around some of the Hermes threads to see how it normally goes - but as I suggested, most of them will not be relevant to you.   I don't see any purpose in sending an SAR in this case but please do tell us if you disagree.   Once you send the letter of claim, you must carry out your threat to begin the claim on day 15. Register on the Moneyclaim website and start getting the claim ready.  Let us see the draft POC before you click it off          
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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
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    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
        • Thanks
      • 3 replies
    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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***orange are a bunch of idiots***


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Hi,

 

I am just looking for some advice really, I really want a contract phone (well a blackberry as my friend keeps asking me to get 1), anyways I decided to try and get the Blackberry Curve 8900 on contract through orange. I kept recieving emails from dialaphone to state that my order has been delayed and they even left me two voicemail messages asking me to contact them. I called dialaphone on wednesday (i think the agents name was gemma very very harsh and abrupt and she stated that I need to get in contact with orange as there is some "further information" that I need to provide. I called orange on the mobile number she gave me and I spoke to I think it was somebody called John (indian call centre worker) he said he couldn't find my details and I need to get back in contact with dialaphone to obtain a "tempoary mobile number" - so I called back dialaphone again spoke to somebody else who said that the reason why there is a delay with my order is because orange are saying that there is a discrepancy with an outstanding balance thats why the order isn't going through. Can I just point out I have never been on pay monthly with orange I've only been on a contract twice with 2 different network providers each time I kept saying to the agent I don't have a pay monthly phone he was basically saying "you need to get in contact with orange blah blah" so he said just check your emails". I checked my emails and they basically declined my application but how can I owe orange money when I've never been on pay monthly with them, I have a pay as you go phone that I use quite frequently always top up and hardly ever use my reserve tank so how can there be a discrepancy. I really don't get it? I've emailed orange a formal complaint because I'm not happy.

 

Could someone just tell me if this is right?

 

Your help is kindly appreciative

 

Lady T x

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Hi,

 

I've only been on a contract twice with 2 different network providers

 

Lady T x

 

Hi and Welcomre to CAG.

Could it be that there is an outstanding balance with either of the previous contracts? If so they may have entered a Default on your CF.

Might be worth checking your CF just in case.

If I have been helpful please tickle my scales or better still contribute to CAG.

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No I paid them both off so I don't understand I've checked my CF and it shows that they have both been settled. It's stupid really they were saying at dialaphone that I have an outstanding balance with an orange mobile account in my name. Like I've previously stated I've never had a contract phone with orange, don't owe them any money i've always been on PAYG with them. :( it's sad really.

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very sad and very strange. Maybe orange have cocked up your details with someone elses.

Maybe you need to write to Orange asking for an explanation or maybe try one of the other providers you used to be with.

If Orange dont play ball releasing information you could consider an SAR, but that will cost, try the phone and letter route first.

If I have been helpful please tickle my scales or better still contribute to CAG.

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I hate talking to call centre agents there so rude, unprofessional and very very unhelpful. A lot of call centre staff seem to have very bad telephony manners lol. I'll just stick to writing to them. Thanks for your help Boswell. I may discontinue to use orange if this doesn't get sorted :D I shall keep you posted. :)

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This is what they put in the email on wednesday I've mangaged to retrieve them: Dear Miss *****,Customer Reference: ******Thank you for placing your order with Dial-a-Phone. We regret to inform you that your contract/Pre Pay order has been unsuccessful on this occasion; this may be due to one of the following reasons:

1) Your card company were unable to verify and authorise your details - My account is a current account therefore I would have a debit card that is linked to my account, I for one have learnt my lesson with credit cards. The last time I checked my bank I had a credit balance on :S2) If you are a pre pay customer, then you may have reached your maximum allowance - Incorrect I have never had a prepay contract with orange and quite frankly speaking I don't want one now if they offered me one. 3) Upon processing your order we require further details. We have attempted to contact you but unfortunately we have been unable to speak with you and your order has been cancelled. - Called twice that day so that is just a poor excuse lol We are unable to confirm the exact reasons for why your card issuer is unable to verify your details. We recommend that you contact your card company directly to obtain further information.

If you have any questions relating to your order, please refer to our My Account Section on the website; this can be found on the top of the website or by copying the link listed below and pasting it into your Internet browser.

 

[EDIT]

Alternatively, please contact the Sales Support team on 08444 815 869

Yours sincerely

Customer Service Team

Edited by Rooster-UK
Unauthorised link removed.
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Hi Ladytg,

 

The Orange credit referals team (the ones who actually deal with passing and declining applications when the system picks something up) are the ones who need to be contacted (You can only write to them as they aren't a customer facing dept. or get a CSR to speak to them).

 

Credit Referral Department Orange PCS Limited

Senhouse Road

Darlington

Co Durham

DL1 4YQ

 

It could be someone at your address or in your street who has an outstanding balance owed to orange, and when your details have went through Oranges connections system 'Enable' its picked up someone elses informations and assumed it was yours.

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Have you ACTUALLY used a Blackberry before? Just because a friend recommends you get one is not an ideal way to enter into a legally binding arrangement for a handset you may find totally unusuable for your purposes, and then it is too late to do anything.

 

If you MUST get that phone, pop your SIM into theirs for a week (swapping phones) and see if you like it. If you don;t and you don;t like it, it's not gpong to be possible to hand it back becahse you have had a change of mind.

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Given a choice, always use DSR as you've greater protection. But I'm famous for my opinion that NOTHING is worth taking out a mobile contract for.... use a PAYG SIM, and buy your phone secondhand 'as new'. There's no lock-in and any CRA risk attached!

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Given a choice, always use DSR as you've greater protection. But I'm famous for my opinion that NOTHING is worth taking out a mobile contract for.... use a PAYG SIM, and buy your phone secondhand 'as new'. There's no lock-in and any CRA risk attached!

 

I agree buzby, that is going to be my preferred choice, the Asda deal sounds good @ 8p a minute, what do you think?

I got a mobile contract for my daughter on 02 8 years ago when she went to Uni, she has done 2 degrees since and i have paid her phone bill throughout both , she is now married and proffesional in the Medical field, if you get my drift (proud dad) and has taken over the payments of the phone. Thank god.

When i asked 02 if i could transfer the Account to my daughter they said yes just change the billing address which i thought was fine, which i did.

Her address now shows on my CF as a linked address.

If I have been helpful please tickle my scales or better still contribute to CAG.

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For UK calls, I don;t think anyone comes close to ASDA and their 8p/p tariff, excellent customer service (call centre) remembering that as they use Vodafone's network - you'll need to ensure that coverage on that network is good for you.

 

The only place where ASDAs tariff falls down is with those who have phones that make extensivd use of data, as the cost per Mb is not as good, and there are no 'free' overheads (like MSN, Facebook, Skype) that 3UK would provide.

 

Your O2 transfer still means that you remain responsible for the contract (not that it was transferred to her) so unless she makes full use of the provided inclusive minutes each and every moth, she might be best advised to follow your example! :)

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Hiya,

 

Sorry I've not applied to the post I've just had a lot going on. That email address someone has tried to contact me regarding the Orange issue, I need to contact them again today so I will let you know what has happened. Bubzy in terms of "have I used a blackberry before?" yes I have I quite like the phone and I find them relatively easy to use. Modern technology is not a problem with me after all I am a kid of the 80's ;)

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:) No slight intended - I founf for personal use, the BB's o/s rather limiting (as the functionality to die for) was based on push email and other mail server tricks.
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