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    • Thanks dx for your kind words. I plan to renew my season ticket and write a new begging letter as following, can I ask for any suggestion about it?   Dear Investigator/Prosecutor,   Thank you for your reply. I deeply regret my actions and the inconvenience they have caused.   I’m extremely remorseful for my crime. and regret it everyday. I often ask myself ‘’how can I do that thing just because I felt it is interesting. There are a lot of crimes in the world, but feeling it’s interesting is certainly not a reason to crime. I should not crime with any reason.’’ I think about these things every day, and I understand that I can’t blame anyone but myself.   I thanks to the staff who stopped me, as this is a valuable lesson in my life. I told myself that I should never ever repeat such a thing again, and never ever do anything which is possible to be in breach of any law. As a result, I carefully tap my oyster card every time before I enter the station now. I remind myself that I did a wrong thing before, and I should never let it happen again.   Although my monthly travel expenses do not warrant a season ticket, but I just renew my season ticket (please see the attachment). I understand that a crime cannot be truly compensated for, but purchasing a season ticket offers me a small measure of comfort, knowing that my actions caused a loss to the public interest.   I received an email which ask me to negotiate being class teacher in this summer (please see the attachment). I hope that I could teach the lovely students again, which may not be allowed with a criminal record. I would please ask that you would please provide me a single opportunity to settle all outstanding sums owed outside of court without the need for legal proceedings which would have a determinantal impact on my teaching career.   I sincerely apologise again for my crime. If you need anything further from me to help you please let me know.    Yours sincerely,
    • You did what??? You asked them to send you the documents that without them you had  a 100% ironclad win in Court. Why on earth would you do that? As it happens in this case, there is still enough mistakes in their PCNs and the NTH to have your case cancelled. Amd it may be that not sending those documents in the first place along with the ICO complaint and the letters from Alliance themselves which would confirm by the dates on the letters may be enough to cancel it anyway. I hope you have kept their letters as evidence? The chances are that Alliance will not actually take you to Court because of their errors but you never know.  You have made so much extra work for yourself in your WS if they decide to push their luck.though. Can you please post up their letter where they give the reason why I wasn't sent with the NTH.
    • I'm not sure that I fully agree with my site team colleague above.  My understanding is that there is nothing to stop you recording but it is strictly for your own personal use.   
    • I live in a student house, with 5 tenants, unihomes is our utilities provider, who we each have a direct debit set up with and have paid each bill every month. Two letters were sent in my name by BWLegal saying I had two outstanding payments due adding up to over £3500, I have tried to contact british gas (as that is apparently our houses provider) as well as Unihomes. Nothing has helped and BWlegal are pursuing legal action if these debts are not resolved by the 1st May. What do I do? I've called Bwlegal when i bring up that the debt isnt for me and for unihomes they hang up on me. so I am stressed and do not know what to do
    • cant do either if its not in a public place or on your land. dx  
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FPC Debt Collection Call MP3 Recording


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Whats your FAVOURITE DCA(s)?  

5 Caggers have voted

  1. 1. Whats your FAVOURITE DCA(s)?

    • Credit Solutions!!!
      0
    • Moorcroft
      0
    • 1st Credit
      0
    • Fredrickson International
      0
    • Invita Justica (or something like that)
    • Mackenzie Hall Statue Barred Collection Services
    • FPC
      0
    • Other


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Hello,

 

Just called these guys (FPC), they often deal with capital one debts, the girl was on about some "paperless" court and didnt seem to realise defended claims would be heard in a court, anyone have a clue what shes on about?

 

(I have uploaded the call to the attachment).

 

Also she gave permission for me to record.

 

Thanks.

Recording.mp3

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If they are talking about a 'paperless' system then why are they asking you to put your requests in writing? I don't think we even have a paperless court in this country as of yet! Though I think trials are underway in India :???:

 

seems to me that the girl on the phone may have been talking out of her hoop! I bet she would have been a lot worse to deal with if the call hadn't been recorded though!

Hit the scales, you know you want to :p

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I think the idiot is referring to money claim online,

Iv'e never heard of a phone debt being dealt with

in this fashion before.

 

Online paperless claims are a fact have a look at the HMRC

web site for details, Allykat it's unwise to assume that

something does not exist if yo haven't heard of it in my opinion.

ar123 check it out for yourself, and insist that all dealing are

in plain simple writing.

 

Brig.

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I think the idiot is referring to money claim online,

Iv'e never heard of a phone debt being dealt with

in this fashion before.

 

Online paperless claims are a fact have a look at the HMRC

web site for details, Allykat it's unwise to assume that

something does not exist if yo haven't heard of it in my opinion.

ar123 check it out for yourself, and insist that all dealing are

in plain simple writing.

 

Brig.

 

Hello,

 

I cant find anything about paperless claims, just stuff from other countries, she said I was wrong when I said a county court claim would be heard in court if defended???

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Hi, forget the DCA speak they have a script designed

to confuse, on the HMRC look for MONEY CLAIMS ON LINE

it is designed to simplify straight forward claims for

money only without any complicating factors, this is what

I believe she is referring to.

 

Brig.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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BRIGADIER I didn't say it doesn't exist, I have a law degree, but unfortunately in Criminal Law :roll: so I don't claim to be an expert on this particular matter, but IMO if the DCA is claiming they need not provide paperwork, then why do they need requests from the client in writing only? If you look at all the information on paperless systems it refers to electronic evidence now being accepted in court.....but what do I know! Was just giving an opinion!

 

Hope someone can advise you further though ar because it's so frustrating when they throw all this information at you without backing it up

 

:)

Hit the scales, you know you want to :p

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I have a law degree to, the MONEY CLAIM ON LINE IS UP AND WORKING, the

misleading term is PAPERLESS, it is not mentioned in the HMRC site on MCO

cases.

Civil law i not my original specific area either but I make myself aware

of developments in the legal system as a matter of course.

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Then you'll know how to advise ar more than I :)

 

as I say I was just giving an opinion, I have checked out the sparce information on MONEY CLAIM ONLINE (and I'm none the wiser tbh) but back to my original point, I still believe the girl was trying to dodge ar's questions and requests for a breakdown of charges etc, and she failed to explain anything! Hence why I made my original comment! It wouldn't be the first time a DCA has misled someone.

 

As I say, I hope someone who can give sound advise on this does so soon :)

Hit the scales, you know you want to :p

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I find your attitude mystifying to be honest,

the advice I have given is all I think can be given

without further input from the OC, as a lawyer

you will know the the dangers of postulating on

matters that are not yet clear.!!!

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I'm not a lawyer nor did I offer any advise, just an opinion. I am merely interested in this thread as I am dealing with a similar situation :(

 

I appologise if my attitude offends anyone, it is certainly not my intention! :)

Hit the scales, you know you want to :p

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OK, I just rang the OC, Vodafone, who own the debt, they are refusing to take payment and say I must pay the dca, I told them I wont be dealing with their dca due to them being incompetent and unprofessional, am I right in thinking I'm well within my rights to only deal with the owner of the debt? Thanks.

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I don't know if any ''RIGHTS'' actually enter into

this, you can and have tried to deal direct, apart

fom setting up a standing order to Voda and HOPING

it will get to the right place I can think of nothing that

you an do if they insist you deal only withe the DCA.

I suppose you could keep sending complaints against

the DCA and see what happens.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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But I don't have a "contract" with the DCA and they don't own the debt, surly thats means I'm not obligated to deal with them?

 

I don't know if any ''RIGHTS'' actually enter into

this, you can and have tried to deal direct, apart

fom setting up a standing order to Voda and HOPING

it will get to the right place I can think of nothing that

you an do if they insist you deal only withe the DCA.

I suppose you could keep sending complaints against

the DCA and see what happens.

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The point is that they are the autorised

representative of the creditor legally assigned

to deal with the debt, I would assume the

same premise in OFT Guidance stating

that it is unfair to refuse to deal with an

authorised 3rd party COULD apply in the same

way in this situation.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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OK, I just rang the OC, Vodafone, who own the debt, they are refusing to take payment and say I must pay the dca, I told them I wont be dealing with their dca due to them being incompetent and unprofessional, am I right in thinking I'm well within my rights to only deal with the owner of the debt? Thanks.

 

Hi ar_123,

 

I'm sorry to hear about the concerns you've raised here.

 

If you'd like me to take a closer look at this for you you're welcome to email the details of the account in question by following the contact details in our pinned thread here http://www.consumeractiongroup.co.uk/forum/showthread.php?213340-Vodafone-Webteam-for-Customers-With-Problems

 

Once you've sent it you'll receive an automated reply with a reference number. So I can make sure it's received could you update the thread with this and I'll come back to you as soon as I can?

 

Kind regards,

 

Lee

 

Web Relations Team

 

Vodafone UK

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Hello Lee, been on holls, not seen you around

for a while.:madgrin:

 

Brig.

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If it is Vodaphone the poster needs to get hold of Lee, the excellent Vodaphone rep on this site.... then they can see what the TRUE facts are and come to an agreement with Vodaphone. They should send Lee this load of spiel.

 

Hi sillygirl1,

 

Thanks very much for your kind words here - they're appreciated.

 

Hopefully the OP will return to the thread and get in touch with me soon so I can get this looked into.

 

Hello Lee, been on holls, not seen you around

for a while.:madgrin:

 

Brig.

 

Hi Brig,

 

I had a week off a few weeks ago but I have been back in the office for a while now.

 

However, I haven't been on the forum quite as much as I usually am mainly due to things being quieter than normal - not that I'm complaining of course :-)

 

Best wishes to you both.

 

Lee

 

Web Relations Team

 

Vodafone UK

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