Jump to content


  • Tweets

  • Posts

    • Hello All,  I’m hoping someone can help me urgently here. Firstly, I’d like to say I have read multiple other threads and have some what an idea of what I should be doing, however my case might be slightly different so coming with my own questions here.    my situation is I lived in Dubai and had a credit card and a loan, loan with HSBC and credit card with Emirates (or the other way round), I lost my job and was forced to leave the country as I was staying in the country on my companies visa.    since coming back, after a few years 2 different debt collections agencies have been approaching me (one being IDRW and the other J&P). I’ve never answered IDRWW and they constantly chase me by calling and messaging me and my employer. My current company is ok with this as I explained the situation but I’m soon to be joining a new company who definitely won’t be ok with being messaged and called.    I’m afraid to continue to ignore them as they may message and calm the new employer as they have before and I’ll lose my job.    However, it seems clear from these forums that dealing with the debt collection agencies is never a good idea. You shouldn’t agree to the amount or pay anything.    j&p caught me on my phone but I still have sent them any money or confirmed the amount they’re saying is owed, they keep pushing to pay off the “principal” amount by making monthly payments, from reading these forums it seems like if I make one of those payments (they have provided bank details for ENBD), then it’ll just be paying off interest and not actually clearing the principle debt and the bank won’t even approve receipt of payment or that it’s coming off principle.    this is my predicament as ignoring them might not be an option if they chase my new employer. Maybe there’s a way to ensure the debt collection agency don’t contact my new employer?? I don’t know? Massively appreciate peoples help here. Thanks, 
    • Hello All,  I’m hoping someone can help me urgently here. Firstly, I’d like to say I have read multiple other threads and have some what an idea of what I should be doing, however my case might be slightly different so coming with my own questions here.    my situation is I lived in Dubai and had a credit card and a loan, loan with HSBC and credit card with Emirates (or the other way round), I lost my job and was forced to leave the country as I was staying in the country on my companies visa.    since coming back, after a few years 2 different debt collections agencies have been approaching me (one being IDRW and the other J&P). I’ve never answered IDRWW and they constantly chase me by calling and messaging me and my employer. My current company is ok with this as I explained the situation but I’m soon to be joining a new company who definitely won’t be ok with being messaged and called.    I’m afraid to continue to ignore them as they may message and calm the new employer as they have before and I’ll lose my job.    However, it seems clear from these forums that dealing with the debt collection agencies is never a good idea. You shouldn’t agree to the amount or pay anything.    j&p caught me on my phone but I still have sent them any money or confirmed the amount they’re saying is owed, they keep pushing to pay off the “principal” amount by making monthly payments, from reading these forums it seems like if I make one of those payments (they have provided bank details for ENBD), then it’ll just be paying off interest and not actually clearing the principle debt and the bank won’t even approve receipt of payment or that it’s coming off principle.    this is my predicament as ignoring them might not be an option if they chase my new employer. Maybe there’s a way to ensure the debt collection agency don’t contact my new employer?? I don’t know? Massively appreciate peoples help here. Thanks,  Hello All,  I’m hoping someone can help me urgently here. Firstly, I’d like to say I have read multiple other threads and have some what an idea of what I should be doing, however my case might be slightly different so coming with my own questions here.    my situation is I lived in Dubai and had a credit card and a loan, loan with HSBC and credit card with Emirates (or the other way round), I lost my job and was forced to leave the country as I was staying in the country on my companies visa.    since coming back, after a few years 2 different debt collections agencies have been approaching me (one being IDRW and the other J&P). I’ve never answered IDRWW and they constantly chase me by calling and messaging me and my employer. My current company is ok with this as I explained the situation but I’m soon to be joining a new company who definitely won’t be ok with being messaged and called.    I’m afraid to continue to ignore them as they may message and calm the new employer as they have before and I’ll lose my job.    However, it seems clear from these forums that dealing with the debt collection agencies is never a good idea. You shouldn’t agree to the amount or pay anything.    j&p caught me on my phone but I still have sent them any money or confirmed the amount they’re saying is owed, they keep pushing to pay off the “principal” amount by making monthly payments, from reading these forums it seems like if I make one of those payments (they have provided bank details for ENBD), then it’ll just be paying off interest and not actually clearing the principle debt and the bank won’t even approve receipt of payment or that it’s coming off principle.    this is my predicament as ignoring them might not be an option if they chase my new employer. Maybe there’s a way to ensure the debt collection agency don’t contact my new employer?? I don’t know? Massively appreciate peoples help here. Thanks, 
    • Date of issue –   13 may 2024 AOS date 31st may defence filing date 14th june plenty of lowell card claimform threads here use our enhanced google searchbox Lowell card claimform id be reading at least 5-10 threads a day. do NOT MISS your defence filing whatever happens.  
    • Hello All,  I’m hoping someone can help me urgently here. Firstly, I’d like to say I have read multiple other threads and have some what an idea of what I should be doing, however my case might be slightly different so coming with my own questions here.    my situation is I lived in Dubai and had a credit card and a loan, loan with HSBC and credit card with Emirates (or the other way round), I lost my job and was forced to leave the country as I was staying in the country on my companies visa.    since coming back, after a few years 2 different debt collections agencies have been approaching me (one being IDRW and the other J&P). I’ve never answered IDRWW and they constantly chase me by calling and messaging me and my employer. My current company is ok with this as I explained the situation but I’m soon to be joining a new company who definitely won’t be ok with being messaged and called. I’m afraid to continue to ignore them as they may message and calm the new employer as they have before and I’ll lose my job. However, it seems clear from these forums that dealing with the debt collection agencies is never a good idea. You shouldn’t agree to the amount or pay anything.    j&p caught me on my phone but I still haven't sent them any money or confirmed the amount they’re saying is owed, they keep pushing to pay off the “principal” amount by making monthly payments, from reading these forums it seems like if I make one of those payments (they have provided bank details for ENBD), then it’ll just be paying off interest and not actually clearing the principle debt and the bank won’t even approve receipt of payment or that it’s coming off principle.    this is my predicament as ignoring them might not be an option if they chase my new employer. Maybe there’s a way to ensure the debt collection agency don’t contact my new employer?? I don’t know? Massively appreciate peoples help here. Thanks, 
    • The clock is ticking for savings providers. They now have just a few weeks left to get their act together and start offering loyal customers a good deal.View the full article
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Publicly humiliated by supermarket.


redcogs
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4905 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Shifting the focus of responsibility away from the immediate source and cause of the humiliation does not serve the consumers interests. The supermarket managers assumption was that the customers account could not pay for the goods being purchased. He indicated as much, and he did so in a crowded public environment. He had alternatives available to him. He could have accepted the Mrs redcogs explanation that "there must be some mistake" and reacted sympathetically in the way I have suggested above. He did not.

 

It is fair to assume that the technological breakdown which created this situation may not have been the direct responsibility of the supermarket, and that other agencies were involved. but if so, they were not responsible for generating humiliation. The supermarket manager was.

 

I am not clear as to why anyone could believe that a telephone call fielder for a remote bank or an equally remote streamline operator could in any way be held to account for humiliating a supermarket customer? They were not present in the supermarket, and as far as I know, they did not make any assumptions about the ability of a customer to pay for their goods.

Link to post
Share on other sites

At no stage did he suggest that the shopping trolley was put aside for later payment, and his clear assumption was that "the problem is at your end", not the more acceptable 'I'm ever so sorry, there appears to be a problem with the technology, which is no ones fault, but as soon as this mess is sorted your shopping will be available to you, and your custom is valued to us'.

 

----

 

I am picturing a queue of shoppers all waiting patiently to check out while an argument ensues at the till. I have seen that often enough in a supermarket while an idiot with the problem to solve (or some gossip to share) is not at all in so much of hurry and with no apology of any sort to be made at the end of it, to those who had to wait.

 

I am not saying that this is what happened, but in all seriousness and with all due respect, I am not even slightly surprised if the manager of a supermarket would rather not have a trolley full of shopping sitting about while a shopper runs off to fetch the cash.

 

"Justice" implies that all are treated in the same way, hence the need to anticipate the situation were they all to be encouraged to expect as much. Nothing about this would put me off shopping at that particular Supermarket, rather the opposite, nor am I yet so sure that a bank was to blame.

 

8)

Link to post
Share on other sites

One suggests that humiliation is an irrelevance (its all in the mind..). One suggests that the customer is responsible for inaccurately keying a wrong number or for failing to remember her keycode.

 

Where the One that accepts the scenario as described? Where the One that understands the supermarket managers responsibility to react appropriately and in a non judgemental way?

Link to post
Share on other sites

"humiliation is in the mind of the complainant" infers that there would appear to be no particular negligence, failure of duty or breach of contract sufficient to act against, which appears to be the case.

 

"Negligence", by the way, would mean that something should have been done to avoid the event that was not done. Whether or not a legitimate decision pleased a customer is another matter.

 

Managers are paid to manage, which is to act in a judgemental way. They also have to hire or fire the staff from time to time and there is not so much for a manager to have to do that is more judgemental than that. This is life.

 

8)

Link to post
Share on other sites

Now I see perplexity, its a "I was only doing my job" type situation - a phrase used down the ages as a cover for all types of behaviour ranging from publicly humiliating a womann and her child at a supermarket til (when a clear and better alternative behaviour form was available), right the way through to unspeakable horrors in unmentionable circumstances.

 

Do you think I may be in the wrong place to ask for sensible consumer advice and a sympathetic ear? All you have offered so far is a kind of victim blaming management speak. I can detect no recognition of the low status that a consumer has in the real world.

Link to post
Share on other sites

I work in a supermarket and sometimes situations like this arise, i have had to deal with difficult customers regarding this issue and some of them are never happy with what you suggest and they think its our problem when sometimes as another member has said its the network that rejects the transaction.

 

I have had a customer try and put a complaint in about me when this sort of situation happened, a few months ago when a transation was declined, we tried to see if there was an alternative which was whether they had another method of payment or we could put the items aside if they agreed for a short period of time and they come back but the problem with that is if there are cold/frozen items these need to be put back or they go off and if its busy with people waiting this takes time and then they will start having a go at you so you never win. Well back to what happened in my situation they was not happy and said it was not there problem and wanted the shoppig for nothing, of course this was not going to happen. They went storming off and came back later and paid via cash, with no apology for there rudness.

 

Couldn't your wife have said to the manager to hold the items and go and get money to pay for the goods, from my opinion you are overreacting about this i know loads of people have been in this situation and i wouldn't really worry about what other people from your local community thinks.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...