Jump to content


  • Tweets

  • Posts

    • This is on behalf of my brother in law, a plumber.    He is currently taking his ex employer to tribunal (after they reduced his wages without telling him, and change of contract over hours). As such he left the company and started working privately.   His ex-employer found out that he was using the same plumbers merchants as them and somehow persuaded them to provide them with copies of his invoices (that he has made himself since leaving). We assume they were trying to find evidence that he was 'stealing customers'.  He only found this out after the ex-employees solicitors sent a photo of these invoices to him as part of the bundle! (they took a photograph of the invoices on the plumbing merchants desk (the photo itself also had the date and time on it!)   I am automatically assuming that the plumbers merchant in question is in breach of the data protection act,  I am also assuming, but would like clarity that the ex-employer is also in breach, not sure if the solicitor is also as they were not aware of how it was obtained, although it has since been pointed out to them.  I should also add that I am not 100% sure if the customers details were on the invoice ( as they would have been delivered to their location).   It should also be noted that he also requested a Subject Access Request (in order help track his time sheets for the last year (they were not given duplicates)| and to find out how/ who  authorised the change to his salary).  The Ex-employer stated he was  unable to supply this in the standard time period and also missed the extended three month period, and I believe a complaint was made under GDPR about this, don't think anything was done though).   Any thoughts on this.  
    • Ok my managers know of my asthma. Though never had an asthma attack at work like that. Asthma has got worse - probably had covid a few days before 1st lockdown. No test centres for 40 plus miles at the time.    I have messaged my union rep - also an employee at the store. She is going to put this as a incident and look at any risk assessments done. Plus asked for colleagues that witnessed/helped me during the attack to get their side of the story. As  I was in shock and not fully understanding what was going on.   The refit has been a bit of a shambles imo. No clear plans so literally some rooms needed to be emptied immediately when contractors were told they are there to do the floor, paint the walls etc.  We were told to empty lockers. Then they were taken away with no replacement. Staff not happy with leaving personal stuff in offices. 
    • The country's inability to export its grain has led to food prices rising around the world.View the full article
    • Lots of uncertainties about whether to contact Horizon for an sar or Tesco.    My suggestion to contact Tesco was after finding out if the original PCN was non compliant.  Most of the ones I have checked in the past have been for several different reasons. That means that the liability for the alleged debt cannot be transferred to the keeper.   Once it is confirmed that the PCN is non compliant the OP can write to Tesco as the keeper pointing out that as the keeper he has no responsibility for the debt and has been denied the facility of appealing to POPLA because of the NTK not being received  at all. POPLA may well have cancelled on appeal because of no keeper liability.    In addition  the stoppage in the car park was for less than the consideration period. The keeper could then add if it was true, that the driver was an infrequent patron of this particular car park and the keeper will ensure that a similar occurrence does not happen in the future.   One could point out that if the camera operator had thought that they had not observed any children in the car, from the Court's point of view they would have expected the operator to have attempted to mitigate the situation by explaining to the driver that they should either move the car to avoid a ticket or explain where the children were [ref. Jopson v Homeguard].   Then perhaps it could have  been explained that the wife and children were dropped off at the entrance or the children and their mother were already in the store and the driver was there to collect them.   [They should also have issued a windscreen ticket since they were in the vicinity but of course that would have meant that they would have had to wait several weeks longer to be paid. It is a practice frowned upon but overused by greedy  car parking companies].   The above paragraph obviates the need to  admit parking wrongly and suggesting possible  reasons for parking there without admitting that either scenario actually happened.      
    • Hey everyone I rented some rackspace from a company on a month to month contract but the customer support has been quite poor of late, my services went offline a few times and they advised my servers had gone over the allowed power limit on my account and required an upgrade which I agreed to but I had enough of the reply times taking hours, never any answer on the phones when I needed support I requested to cancel my services on the renewal date, they advise in their terms of service that if there is a open invoice this must be paid before they will allow collection of your hardware and if not paid within a set time the hardware becomes theirs and can be sold off, reused by them ect I have noticed in their terms of service that it does not state at any point the amount of time before the due date the new invoice will be created which I feel should be a important part of any contract on a monthly billing they will pre advise you of the amount of time before the payment is due when they will invoice you   I was also meant to receive IPv6 addresses as part of my package but never had these although I had requested these many times they advised they were not available but are mentioned as part of my overall package on my invoices     They are asking for nearly £700 payment before they will even discuss allowing anyone to collect my hardware (worth about £5000 in total) and if I do not pay this within a set time they will take ownership of all my servers and use or sell them   Thanks   Update I had advised them I will be hiring a man and van service to collect my hardware, they have suddenly advised that I cannot do this and must use a certain type of company who specialist in server transport. I do not feel this is fair as it is my hardware, fully owned and paid for my me but start trying to set out new rules that have never been made aware of until today after making my request to cancel.  
  • Recommended Topics

  • Our picks

  • Recommended Topics

Debt Collectors now using Social Networking Sites


Andyorch
 Share

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3866 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

Debt collectors target Facebook to get money back

 

 

Perhaps a rethink with our Sites connection? Thoughts everyone?

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

357 complaints in 6 months.

 

So long as consumers accept this sort of behaviour, it will always continue.

 

It's not the Social Networking aspects that need to be reviewed - don't understand the query around should we still use it, as why wouldn't we - but we need more complaints and more action as a result of complaints.

 

Interesting the OFT are issuing threats of stripping of CC licences for this behaviour. It's time they put their money where their mouth is and to stand up for the consumer.

Always happy to help where I can!

:lol:

Beware of legal advice given on a private forum - do you REALLY know who is posting? Are they REALLY accountable for their posts? What if you follow their advice and get something wrong?

It was Winston Churchill who said; "Democracy is the worst way to run a country except for all the others"

 

Advice and comments posted by car2403 are offered purely without prejudice. They reflect only my personal opinion and do not represent the opinion of this forum or it's management. You should always seek legal advice from a qualified legal advisor. As a member of the site team, I disable reputation - reputation points mean nothing, please check my posting credentials yourself and make an informed decision. You shouldn't PM me and await a reply - I may be too late with a response. No replies will be given in Private Messages - just as with getting advice from the forum, getting advice via Private Messages is dangerous. CAG is about sharing successes so others can follow your example, this is primarily why I'm here, so please don't be offended if I don't offer replies in PM that doesn't comply with this. Help CAG to help others by keeping your thread up to date.

 

 

USEFUL LINKS; New User Guide to CAG | Can't find what you're looking for? | Intro to Consumer Credit Litigation | Is My Agreement Enforceable | Default (Surleybonds) Template Letter | Defaults - background, removal methods, challenges and taking a claim to Court | Digital Signature Guide | Overdrafts and the CCA

Link to post
Share on other sites

Yes this is not new-we was getting complaints about this on here as long ago as 2008-its just that they have stepped up on it because they have been unchallenged.

There are too many who dont bother complaining.

Not only are they breaching fair business practices under expectations required as holders of CC licences,but they are also breaching their own CSA codes of practice too.

In fact this behaviour is effectively a deceptive business practice and should be challenged under CPUT.

357 complaints in 6 months is still a drop in the ocean-we probably see more complaints about DCA's failing to uphold best practice on this site in the space of a week or so.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

Link to post
Share on other sites

And lets not forget-the CSA was whinging in 2009 about this site-and how WE were the bad boys,.

 

http://www.guardian.co.uk/money/2009/dec/02/credit-services-association-debt-websites

 

"It outlined some of the most common claims made and said it had provided the Ministry of Justice with evidence of bad practice as well as suggesting possible amendments to primary legislation with the consumer affairs minister."

 

Ha Ha....talk about pot/kettle.............

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

Link to post
Share on other sites

CSA codes of practice.

 

:lol:

Always happy to help where I can!

:lol:

Beware of legal advice given on a private forum - do you REALLY know who is posting? Are they REALLY accountable for their posts? What if you follow their advice and get something wrong?

It was Winston Churchill who said; "Democracy is the worst way to run a country except for all the others"

 

Advice and comments posted by car2403 are offered purely without prejudice. They reflect only my personal opinion and do not represent the opinion of this forum or it's management. You should always seek legal advice from a qualified legal advisor. As a member of the site team, I disable reputation - reputation points mean nothing, please check my posting credentials yourself and make an informed decision. You shouldn't PM me and await a reply - I may be too late with a response. No replies will be given in Private Messages - just as with getting advice from the forum, getting advice via Private Messages is dangerous. CAG is about sharing successes so others can follow your example, this is primarily why I'm here, so please don't be offended if I don't offer replies in PM that doesn't comply with this. Help CAG to help others by keeping your thread up to date.

 

 

USEFUL LINKS; New User Guide to CAG | Can't find what you're looking for? | Intro to Consumer Credit Litigation | Is My Agreement Enforceable | Default (Surleybonds) Template Letter | Defaults - background, removal methods, challenges and taking a claim to Court | Digital Signature Guide | Overdrafts and the CCA

Link to post
Share on other sites

What is more concerning on the BBC news a video clip is being played with a user being contacted by a DCA, they refer to her daughters.:!:

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

From the CSA Powerpoint presentation Consumer forums what do they actually do.

 

 

 

 

Consumer Forums

 

• Websites set up to assist consumers and for

individuals to share experiences

 

What do they actually do?

• Encourage consumers to avoid paying debts

•• Celebrate“victories”against creditors

• Set up tallies of how much has been refunded in

bank charges

• Provide standard template letters

• Breeding grounds for misinformation - consumer

detriment

• Insult creditors, debt purchasers and DCAs

 

 

They seem to have missed something.

 

* Inform their members to report Debt Collection Agencies who dont play by the rules to complain to Trading Standard,Consumer Direct and the OFT.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

Link to post
Share on other sites

357 complaints in 6 months.

 

So long as consumers accept this sort of behaviour, it will always continue.

 

It's not the Social Networking aspects that need to be reviewed - don't understand the query around should we still use it, as why wouldn't we - but we need more complaints and more action as a result of complaints.

 

Interesting the OFT are issuing threats of stripping of CC licences for this behaviour. It's time they put their money where their mouth is and to stand up for the consumer.

 

If you say the FOS got around 700 complaints in a year - that is pretty pidly when you consider how many debts are being chased. It is also telling that the majority of compalints are NOT being foudn i nfavour of the consumer.

 

It would be interesting to see what kind of figures the OFT is working with.

 

The message to take out of it is to encourage people with genuine complaints to comlain.

Link to post
Share on other sites

If you say the FOS got around 700 complaints in a year - that is pretty pidly when you consider how many debts are being chased. It is also telling that the majority of compalints are NOT being foudn i nfavour of the consumer.

 

It would be interesting to see what kind of figures the OFT is working with.

 

The message to take out of it is to encourage people with genuine complaints to comlain.

 

 

I dont care if they ban me but you are are **edit**. What ****** company do you work for?

Edited by car2403
Bypassing swear filter
Link to post
Share on other sites

I dont care if they ban me but you are are **edit**. What ****** company do you work for?

 

**Cough, cough**

 

I think you might have misread TG's post there, Jim.

 

If you say the FOS got around 700 complaints in a year - that is pretty pidly when you consider how many debts are being chased. It is also telling that the majority of compalints are NOT being foudn i nfavour of the consumer.

 

It would be interesting to see what kind of figures the OFT is working with.

 

The message to take out of it is to encourage people with genuine complaints to comlain.

 

What about a FOI request to get those figure? In fact, this rings a bell and I think this might have been done, previously.

Always happy to help where I can!

:lol:

Beware of legal advice given on a private forum - do you REALLY know who is posting? Are they REALLY accountable for their posts? What if you follow their advice and get something wrong?

It was Winston Churchill who said; "Democracy is the worst way to run a country except for all the others"

 

Advice and comments posted by car2403 are offered purely without prejudice. They reflect only my personal opinion and do not represent the opinion of this forum or it's management. You should always seek legal advice from a qualified legal advisor. As a member of the site team, I disable reputation - reputation points mean nothing, please check my posting credentials yourself and make an informed decision. You shouldn't PM me and await a reply - I may be too late with a response. No replies will be given in Private Messages - just as with getting advice from the forum, getting advice via Private Messages is dangerous. CAG is about sharing successes so others can follow your example, this is primarily why I'm here, so please don't be offended if I don't offer replies in PM that doesn't comply with this. Help CAG to help others by keeping your thread up to date.

 

 

USEFUL LINKS; New User Guide to CAG | Can't find what you're looking for? | Intro to Consumer Credit Litigation | Is My Agreement Enforceable | Default (Surleybonds) Template Letter | Defaults - background, removal methods, challenges and taking a claim to Court | Digital Signature Guide | Overdrafts and the CCA

Link to post
Share on other sites

The OFT have release general info on top comaplints before based on subject matter:

 

http://news.bbc.co.uk/1/hi/business/8572148.stm

 

1. Second-hand cars from independent traders

2. Televisions

3. Mobile phone service agreements

4. Mobile phone hardware

5. Laptops, notebooks and tablet PCs

 

If asked they will probably tell you how many complaints they have had wih regards to debt collection issues but they probably wont break it down into specific companies.

Link to post
Share on other sites

Neither do they break it down into types of complaint.

There is a Debt collection category but there are also others which could see them featured for example complaints about direct debits.

We quite often see members complaining after setting up DD repayments that they have been varied,although the OFT have issued guidance on that now.

The published report figures are put out by the FOS.

Here are the latest ones from the 2nd quarter of 2011

 

Here are figures for second quarter July /August/September Figures in brackets are first q Apr-June

 

New complaints reported 206 (151)

 

Year to date 2010/2011 - 512 (2009/2010 -607)

 

% of cases upheld in consumers favour 36% (31%)

 

Year to date 2010/2011 42% (42%)

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

Link to post
Share on other sites

So there was a 5% increase in cases being upheld for the consumer in the second quarter.

Also an increase in complaints of more than 25% in the second quarter compared to the 1st.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

Link to post
Share on other sites

Complaints data is published on the FOS site.

They do quartely bulletins of complaints by type,and annually they do another by organisation.

The OFT will not release any info for complaints about a specific DCA its been tried before-they cite exemption.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

Link to post
Share on other sites

**Edited**

 

Martin - are those figures what one might consider 'complaints' or are they a combination of complaints and requests for advice. IIRC Consumer Direct will log everything. So if you ask whether Tesco have broken a law and they havent it would still be logged against them - unles someone is manually going through them to differentiate between valid complaints / non valid ocmplaints / advivce request and so on.

 

edit - just seen your post that stats relate to FOS and not OFT.

Edited by car2403
Removing potentially offensive comments
Link to post
Share on other sites

These are complaints that have been recorded by the FOS.

Trading Standards CAB and others report to the OFT who will look at whether there is a need for an investigation.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

Link to post
Share on other sites

"Avoiding debts is not a victimless crime – it impacts everybody in the long run," the spokesman said.

 

So according to the CSA anyone who is able to 'avoid' repaying a debt because it is statute barred or because a creditor/DCA has failed to produce enforceable evidence of a debt it is a crime?

 

Obviously not very knowledgeable about UK law are they?

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

Link to post
Share on other sites

Obviously not very knowledgeable about UK law are they? Nope or the OFT Debt collection guidance either. I cant imagine what their Powerpoint presentation will say in response-to the new revised one-but I bet it wont be in the newspapers.....

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

Link to post
Share on other sites

Oops looks like they have responded earlier in anticipation. They seem to be of the opinion that it could become a debt avoidance charter....same old stuff then. They also remind everyone that it was they who called for a review in the first place. I suspect this was not because they agreed it needed changing.....but more likely they need clearer interpretation on how they could do their job without seeing too many complaints. Was a bit like their back slapping over their co operation with the OFT in clearer guidance and best practice for letters to debtors. If there had not been so many complaints in the first place about wordings from some DCAs -then there would have been no need for consultation and agreement to make letters more clear understandable and transparent. DEBT AVOIDANCE CHARTER http://www.csa-uk.com/csa-news/50/new-oft-guide-could-become-charter-for-debt-avoidance

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

Link to post
Share on other sites

Fantastic web site. A lot of helpful information here. I¡¦m sending it to several friends ans also sharing in delicious. And certainly, thank you to your effort!

 

Thanks for your support but you have lost your way.....so you can have a ticket back compliments of me.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

Link to post
Share on other sites

Clearly will take a sledge hammer to break a nut, this one - anyone fancy talking about use of DCA's in Social Networking, or the CSA's lack of approach, or shall we continue fighting against each other instead? I'm sure the latter is their intention. Remember, the CSA is against CAG, which means CAG is a threat to them. Site team won't allow one member to become a threat against another.

 

Constructive input welcomed, as always.

Always happy to help where I can!

:lol:

Beware of legal advice given on a private forum - do you REALLY know who is posting? Are they REALLY accountable for their posts? What if you follow their advice and get something wrong?

It was Winston Churchill who said; "Democracy is the worst way to run a country except for all the others"

 

Advice and comments posted by car2403 are offered purely without prejudice. They reflect only my personal opinion and do not represent the opinion of this forum or it's management. You should always seek legal advice from a qualified legal advisor. As a member of the site team, I disable reputation - reputation points mean nothing, please check my posting credentials yourself and make an informed decision. You shouldn't PM me and await a reply - I may be too late with a response. No replies will be given in Private Messages - just as with getting advice from the forum, getting advice via Private Messages is dangerous. CAG is about sharing successes so others can follow your example, this is primarily why I'm here, so please don't be offended if I don't offer replies in PM that doesn't comply with this. Help CAG to help others by keeping your thread up to date.

 

 

USEFUL LINKS; New User Guide to CAG | Can't find what you're looking for? | Intro to Consumer Credit Litigation | Is My Agreement Enforceable | Default (Surleybonds) Template Letter | Defaults - background, removal methods, challenges and taking a claim to Court | Digital Signature Guide | Overdrafts and the CCA

Link to post
Share on other sites

Here here Car, well said, I had thought the topic had veered a tad.

 

Regards

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

Do the OFT log complaints from individuals within total, or is it reliant upon relevant bodies carrying out their duties in reporting?

 

Gez

 

They log individual complaints - but do not take action on an individual complaint basis.

Link to post
Share on other sites

 Share

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...