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    • I’ve been getting debit collection letters from a number of diffrent companies but I don’t recognise any of them. So I signed up to one of the credit rating agencies to find out who I owed money to. But that didn’t help. It just lists the debit collection company and the amounts they say I owe them. The amounts are staggering. now I was caught out once before by a debit collection agency saying I owed money but not who to and I just paid it. It wasn’t till after this that I found out that some agencies just send letters demanding payment for a nonexistent debit. On my credit report it says I owe money to the debit collection agent but there are no records of any original debit. no unpaid loans or credit cards.  so what do I do? I had a serious brain injury so I have memory problems and some untreatable mental illness. Thanks for taking the time to read this.
    • Hi, I’m sorry I haven’t replied sooner and that I wasn’t clearer. The situation is this.  I had a pay as you go sim and wanted to change to a VOXI pay monthly account. the guy on the phone said I’d need a new sim that would be a standard pay monthly sim. He told me that once I got the sim then I could call and have it put on a VOXI account. So. I agreed but at some point in the,long conversation after he ordered the new sim he said that infact I didn’t need a new sim and could just change my pay as you go sim into a VOXI sim. so he did that. I assumed that that was the end of the matter. I had done what I set out to do. And didn’t think about the ‘new’ sim because it was not needed. I assumed he had canceled it because it was not needed. then in January I get a letter saying I was behind on my phone bill. so I called them and that’s when I found out the ‘new’ sim had been ordered but never arrived .
    • Demand for uniforms, computers and household accessories rose after plans to ease lockdown were published. View the full article
    • Hi    Thank you for answering my questions.   As you have not contacted Goskippy about AX stating they were acting on there behalf you need to contact Goskippy urgently and ask them to verify that AX are acting on there behalf. (you need to know if what AX stated is correct)
    • His personal wealth soared as the video conferencing platform became a household name during the pandemic. View the full article
  • Our picks

    • Ebay Packlink and Hermes - destroyed item as it was "damaged". https://www.consumeractiongroup.co.uk/topic/430396-ebay-packlink-and-hermes-destroyed-item-as-it-was-damaged/&do=findComment&comment=5087347
      • 27 replies
    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
        • Haha
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
      I opted for mediation, and it played out very similarly to other people's experiences.
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
      Many thanks, stay safe and have a good Christmas!
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
  • Recommended Topics

Google to change it's privacy policy. Urgent !!

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Please help us to help you. Download the CAG tool bar for free

HERE and use the search option for all your searches. CAG earns a few pennies every time !!!


Please don't rush, take time to read these:-






This is always worth referring to






Advice & opinions given by me are personal, are not endorsed by the Consumer Action Group or the Bank Action Group. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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What can we do?


Commercial espionage is already rife. Google's new privacy(-less) policy will only make it worse.


It is becoming ever harder to query Google while staying anonymous.


There used to be an anonymising service called Scroogle that proxied Google search requests to maintain privacy.


However, after a series of Denial of Service Attacks and Throttling Attacks, waged over recent years by Persons Unknown, Scroogle has finally been forced off the internet.


Scroogle vanished completely on 20 February, together with several related search sites.


Anonymizing alternatives such as peer-to-peer Tor Onion Routing, and Proxy Chaining are also nobbled by Google.


Now, Google queries sent through the anonymizing Tor network routinely result in a sinister Google error message noting "suspicious activity" !


Censorship and State Surveillance are rife today. What started as a slow but systematic erosion of Civil Liberties is now running at break-neck speed.


In what must be a world first, internet users in the US and UK now find themselves blocked from visiting certain websites hosted inside P.R.C.!


The Parable of the Boiling Frog has finally come true!






Edited by edwincluck
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How To Delete Your Google Browsing History In Three Simple Steps Before It's Too Late To Hide Your Secrets


There is just a week to go until Google controversially changes its privacy policy to allow it to gather store and use personal

information about its users.

But there is one way to stymie the web giant's attempts to build a permanent profile of you that could include personal information

including age, gender and locality.


The new policy which has been criticised by privacy campaigners who have filed a complaint to U.S. regulators comes into affect on March 1.

But before that date you can delete your browsing history and which will limit the extent to which Google records your every move including

your embarrassing secrets.


Heres How:

1. Go to the Google homepage and sign into your account.

Use the dropdown menu under your name in the upper right hand corner to access your settings.

Click On Account Settings Like Below.


2. Next find the section called Services and you'll see a link to View enable or disable web history shown in the red box below.

Click On It.


3. Finally you can remove all of your search details by clicking on Remove Web History shown in the red box below.

Once you have done this your history will remain disabled until you turn it back on.


Although disabling web history will not prevent Google from gathering and storing this information and using it for internal purposes

it does mean the Web giant will anonymise the data in 18 months.

It will also prevent it from certain kinds of uses including sending you customised search results.


If you don't sign in Google will track your searches via the computer's IP address.

The only way to clear your personal history is by signing in.

While it is not known exactly how Google would use your combined information the policy has been widely criticised.

The Center for Digital Democracy has filed a complaint with the Federal Trade Commission.


It has asked the FTC to sue Google to stop the policy change and to fine the company.

The FTC can impose fines up to $16,000 per day for each violation.

Cecilia Kang of the Washington Post described collation of vast tracts of information as a massive cauldron of data.


Privacy advocates say Google's changes betray users who are not accustomed to having their information shared across different Web sites. she said.

A user of Gmail for instance may send messages about a private meeting with a colleague and may not want the location of that meeting to be thrown

into Google's massive cauldron of data or used for Google's maps application.


Technology site Gizmodo said that the change was the end of Google’s ‘don’t be evil motto.

The site’s Mat Honan wrote:

It means that things you could do in relative anonymity today will be explicitly associated with your name your face, your phone number.


If you use Google's services you have to agree to this new privacy policy.

It is an explicit reversal of its previous policies.

Larry Dignan meanwhile writing on ZDnet.com described the new policy as ‘Big Brotherish




please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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