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    • thread title updated moved to overseas debt forum. sadly as they are outside any UK jurisdiction upon DCA rules which state in the UK they must not call employers, there not alot you can do to stop these scammers. make sure you totally make private ALL social media twitter/facebook/linked in etc etc as there no-way for them to findout where you work otherwise so you must have a leak somewhere. find it. your employer details arent even legally available to UK DCA's so how have they found it out to date???  simply write to the BANK informing them of your correct and current address ALWAYS!!. if you want to arrange payment or not TO THE BANK ONLY thats upto you. never ever ignore a Statutory Demand a Letter Of Claim a Court Claimform. if if if any of those ever happen. till then ignore and rewash. dx    
    • 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
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Vodafone Mobile Broadband


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Just an update for all, this case is still with the Ombudsman who are DRAGGING their heels to say the least. I have sent the Ombudsman everything TWICE now and still saying they not had my permission to look into the complaint yet FOUR times I have completed their permission form and posted off to them!

 

I just want this sorted ASAP.

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I'm afraid the ombudsman route, while the cheapest option, is the slowest one and there is little you can do to speed them up.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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From other threads around here it looks as though Vodaphone fold fairly quickly when they get court papers delivered if you have a reasonable case ...

 

Don't hold your breath for the ombudsman. Others have raised questions as to his impartiality anyway.

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  • 1 month later...

This is still ongoing with the Ombudsman and to date no communication from them other than acknowledging receipt of all copies of things. Xmas 2016 this will get resolved at this rate......at which time the debt will become statue barred xD

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You can still initiate court action, just serve a 7 day LBA and then drop the court case. I'm sure the site team will help you with the claim form.

If in doubt, contact a qualified insured legal professional (or my wife... she knows EVERYTHING)

 

Or send a cheque or postal order payable to Reclaim the Right Ltd.

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  • 3 weeks later...

Ombudsman outcome has come back stating all the facts which us and Vodafone already know, yet has ignored all evidence provided by me and basically manoeuvred around it to get to the outcome! Another Ombudsman service did this to me aswell, until I questioned them and realised they overlooked it. Anyway a stern response has already been provided within 15 minutes of the outcome being received and Letter Before Action has been drawn up ready to be printed then go in the post.

 

VODAFONE - TAKE NOTE I WILL NOT BE LETTING THIS MATTER DROP, COURT IS THE NEXT STEP.

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Ombusman has come back saying that the evidence of the telephone calls made to make the payments are not enough? What is then?

 

This matter is now going to Court VF have been notified of this unofficially and informed that the agreement made prior to court proceedins is still open, will be made in writing next couple days and be delivered recorded, also sending a SAR.

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  • 2 weeks later...

CCA refers to credit (ie the sale of money) only. Hope things get sorted for ya soon :)

If in doubt, contact a qualified insured legal professional (or my wife... she knows EVERYTHING)

 

Or send a cheque or postal order payable to Reclaim the Right Ltd.

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I had been using Dida Mobile for mobile broadband access until their agreement with Three failed a couple of days ago.

 

I was going to go to vodafone - but given what you have said here they have just lost a customer before even signing up.

 

The other thing this thread raises - is - is there an Ombudsman Ombudsman? :D

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The other thing this thread raises - is - is there an Ombudsman Ombudsman? :D

 

As far as I am aware, when a case is sent to Ombudsman it is allocated to an adjudicator who (normally) sees it through to the end. It is the adjudicator that makes the recommendations and if both sides are happy, their job is done however, if the aggrieved party does not like the outcome, they can appeal direct to the Ombudsman

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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I had been using Dida Mobile for mobile broadband access until their agreement with Three failed a couple of days ago.

 

I was going to go to vodafone - but given what you have said here they have just lost a customer before even signing up.

 

The other thing this thread raises - is - is there an Ombudsman Ombudsman? :D

 

Hi Bang!,

 

It's a shame to hear that as a result of what you've read in this thread you've decided against joining us as a customer.

 

Whilst I naturally can't go into the specifics of any case we handle for members of the CAG Forum some have chosen to update their threads following a positive outcome to their concerns. Examples of these instances can be seen here.

 

Thanks,

 

Lee

 

Web Relations Team

 

Vodafone UK

 

 

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The Ombudsman yesterday issued guidance stating that VF have acted fairly even though I have provided evidence that shows attempts have been made to pay the amount yet the Ombudsman stills supports VF in saying that VF have no record of these attempts and that I havent made any attempts. The Ombudsman has given a further 7 days to submit final evidence before he issues a final decision and recommendations.

 

VF were notified in writing I had made attempts to pay and was having these problems yet they were merely ignored. Throughout the funds have been available to pay as per the agreement. I can confirm that the SAR & CCA has been recieved by VF and the Postal Order cashed.

 

I still have held of initiating court action at present time. I am also really glad that I never ever moved all my mobile communications to VF and stuck with O2 where I have a personal account manager with my annual spend of £2,500!

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Hi

Another complaint is needed for that. Using funds meant to pay for a service to pay off any alleged debt is wrong and should be brought to book. I would also let the Ombudsman know about it as this is very poor practice by such a large company who should know better.

 

You could also email Guy Laurence and let him know what his underlings are up to

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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  • 2 weeks later...

I have let the Ombudsman know about the funds being used for that purpose. I have however just received the Subject Access Request info delivered by DHL Expiry date is tomorrow! It makes some interesting reading.

 

However points to note

- Vodafone state that they are not obliged to send me a true copy of the executed signed contract

- £10 for SAR is showing on billing statement as a Payment Cheque

- Appears to be some emails *missing*

- Complaint made to Ombudsman is marked on the account as Abusive Comments requesting default is removed

- Copies of system generated letters are not included

- Copy of the terms of the plan

- VF have failed to hide all CSA Names

 

 

Advice please :D

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  • 4 weeks later...

The Ombudsman have come back and said they cannot find any wrong doing on Vodafones part! Yet Vodafone have failed to stick to principle matters of the law here, they cannot provide me with a copy of the signed agreement only a reconstructed copy, they are charging for something I have not had, they also have called me a liar yet the records show no telephone calls at any point throughout the time I had a shambolic service with them yet I rang them a good number of times.

 

Today I have written to Guy Lawrence and notified that VF have failed to fulfil the SAR and I require within 7 working days a true signed copy of the airtime agreement that was in force. If they cannot supply I require the alleged debt balance written off and all information at CRAs removed. If they do not get back to me either way I will be proceeding with legal action no further warnings. The email has been titled final notice before action.

 

ASSISTANCE IN WRITING PARTICULAR OF CLAIM NOW REQUIRED PLEASE.

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Flagged the thread for site team to pop in... I belive you can request information as part of a court claim.

If in doubt, contact a qualified insured legal professional (or my wife... she knows EVERYTHING)

 

Or send a cheque or postal order payable to Reclaim the Right Ltd.

to

923 Finchley Road London NW11 7PE

 

 

Click here if you fancy an email address that shows you mean business! (only £6 and that will really help CAG)

 

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