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    • what time do you have to go in today? I am wondering whether it might not be a good idea to go in with the letter of claim and if there is any mucking around them to hand it to them.   We would have to draft something appropriate.   in any event I think you should prepare an sar and take it with you and hand it to them make sure that they realise what it is. Hand it to a senior manager.   Use our sar template here.   I think that they are starting to lead you around by the nose and I think that you should take control and make sure that they realise but there is only a short time before it goes legal. A letter of claim would be the best thing to do in addition to the sar     
    • The bank is yet to say if it will shed more jobs beyond the 35,000 it flagged earlier this year. View the full article
    • The bank is yet to say if it will shed more jobs beyond the 35,000 it flagged earlier this year. View the full article
    • go back and read what andyorch said in my above links about a DEED of assignment NOT being a Notice Of Assignment. its a general document for a portfolio of MANY debts they bought on a spreadsheet, NOT specifically relating to YOUR Agreement. but your was like all others, a single line in a spreadsheet.    the sheriff has specifically asked for the NOA and the Default Notice ...neither of which the fleecers have provided, merly a load of ole twaddle like trump does to divert attention away from those NOT being provided.   forget the stuff about LOP 1925 etc that a NOE is NOT applicable in scotland , the sheriff has asked for it..end of!!   bedtime reading particularly regarding default notice sec 87 https://www.consumeractiongroup.co.uk/forum/showthread.php?484300-Cabot-nolans-SPC-Claim-Old-Next-CAT-Debt(2-Viewing)-nbsp&p=5119630#post5119630   read from about post 70.   as for the written submission. i'll find an example later.   dx      
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Morning everyone,

Not sure if this is the correct forum, but I've just been scammed. I received a large number of unsolicited texts on a rarely used mobile from 60699 (Zamano PLC) based in Dublin. I noticed about £35 extra on a usually very small monthly bill. Orange, my service provider were completely useless and downright uncoperative.

I have complained to Zamano but received the usual bland response. Any ideas on which regulator I should contact, or indeed anything else would be most welcome.

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Sorry, not quite sure what you are saying.. that you have received sms text messages for which you have been charged ?

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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.

 

 

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The Irish Premium Call regulator have already investigated these.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?189388-Zamano-%28[problem]ano%29-Premium-Rate-Services-problem!

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.

 

 

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The Irish Premium Call regulator have already investigated these.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?189388-Zamano-%28[problem]ano%29-Premium-Rate-Services-problem!

 

 

Thanks Martin, yes, received a number of random unsolicited texts charged at £2 each. Apparently I am unable to use the s### word on here!

I have just registered a complaint with comreg in Ireland, will let you know what happens.

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I had a problem with a UK based one a few years ago.

 

T-mobile who I was with initially said must have 'subscibed to a ringtone service or something', and declined a refund.

 

I eventually discovered their unsolicited charging left them open to be sued via ?spamming law?.

 

Suddenly they refunded.

 

I will look up the details later as its a pain from my mobile.

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Thanks Martin, yes, received a number of random unsolicited texts charged at £2 each. Apparently I am unable to use the s### word on here!

I have just registered a complaint with comreg in Ireland, will let you know what happens.

 

Good.

 

Yes the s word had to be added to the naughty word filter some time ago,after so many were using it loosely and we were geting libel threats from some of those who probably did deserve the title but these days you have to be very careful.

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.

 

 

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Here was the letter I sent - but it was to the owner of a UK number so yours may not offer this approach. Reading through the details it now appears I have been refunded twice, but given it was about five years ago its probably best just keeping quiet.

 

Here is the email to the text spammer....

 

On 26th of February 2007 I received and unsolicited message to my

mobile no. 0044 95655XXXX.

 

T-Mobile has identified your company as the destination for the moneys

to be taken from my account.

 

This message was unsolicited commercial spam and, since we never dealt

previously, was unlawfully sent. It also failed to list a cancel option

costing only carrier charges, in addition to charging for services that

were both unsolicited, and never received.

 

It was contrary to section 22 of The Privacy and Electronic

Communications (EC Directive) Regulations, (SI2426/2003) ["PECR"],

available at: http://www.opsi.gov.uk/si/si2003/20032426.htm. In

addition, this action breaches your obligations under the Data

Protection Act 1998, as there was no consent to process the personal

data comprised by the personal mobile number. As the affected data

subject I require you to:

 

1. Confirm whether you are registered as a data controller under

the Data Protection Act 1998, and if so, explain how this activity

complies with your registration.

2. Cease any processing of my data for all purposes, including

direct marketing.

3. Erase any personal data you hold about me.

4. Detail any reasons you believe that you have not breached

section 22 of PECR.

 

Additionally I would like to know

 

1. Why my number received an unsolicited text.

2. Why that text had no option to cancel, costing only carrier

charges.

3. Why you attempted to obtain money from me for services both

unsolicited and never received.

 

I put you on notice that I may seek compensation for the unlawful

processing under s.13 of the Data Protection Act 1998, and s.30 of PECR,

and will seek to recover damages in excess of those normally awarded

given had the charge gone unnoticed would have resulted in my paying for

unsolicited services that were never received (via Tmobile).

 

If you do not respond within 21 days of the date of this letter, I

reserve the right to start legal proceedings.

 

 

Yours faithfully,

 

XXXXXX

 

 

Kinda looks like I sent them kisses doing it that way! :D:D:D

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Morning everyone,

Not sure if this is the correct forum, but I've just been [problem]med. I received a large number of unsolicited texts on a rarely used mobile from 60699 (Zamano PLC) based in Dublin. I noticed about £35 extra on a usually very small monthly bill. orange, my service provider were completely useless and downright uncoperative.

I have complained to Zamano but received the usual bland response. Any ideas on which regulator I should contact, or indeed anything else would be most welcome.

You should complain to PhonepayPlus

 

http://www.phonepayplus.org.uk/For-the-Public/Make-a-complaint.aspx

 

they have already adjudicated on this

15 March 2012

Information provider Zamano Solutions Limited, trading as Everneo

Service provider Zamano Solutions Limited, trading as Everneo

Information provider location Dublin

Service provider location Dublin

Service type Subscription Service

[....]

(i) Summary

 

During the period from 1 September 2011 to 16 February 2012, PhonepayPlus received 277 complaints relating to a subscription service called ‘Zingtones’, which was also referred to as ‘Play n’ Win’. The service operated for several years. Following notification by the Executive of its concerns relating to the service, the Level 2 provider voluntarily suspended the promotion of the service and billing mechanic on 1 February 2012.

 

The Level 2 provider’s marketing campaign for the service involved the use of various affiliate marketers, who provided lead-in web pages encouraging consumers to visit the service and enter a competition.

[...]

SANCTIONS

 

Sanctions Imposed

 

Having regard to all the circumstances of the case, including the revenue of the service, the Tribunal decided to impose the following sanctions:

 

A Formal Reprimand;

A Direction to Remedy the Breach;

A Fine of £35,000; and

A Direction to make refunds to all complainants who claim a refund, for the full amount spent by them for the service, save where there is good cause to believe that such claims are not valid, and to provide evidence to PhonepayPlus that any such refunds have been made.

it might be worth logging a complaint with PhonepayPlus first then telling Zamano that it was PhonepayPlus that had instructed you to request a refund from them.

 

http://whocallsme.com/Phone-Number.aspx/60699

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Go onto http://www.phonepayplus.org.uk and put the shortcode in the search box on the left hand side. This will tell you details of the company who have texted/charged you and how you can contact them.

 

If you have already done this as you feel the texts/charges were unsolicited yet you are not satisfied with their response then you can log a formal complaint through phonepayplus in ref to this.

 

Hope this helps!

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Go onto http://www.phonepayplus.org.uk and put the shortcode in the search box on the left hand side. This will tell you details of the company who have texted/charged you and how you can contact them.

 

If you have already done this as you feel the texts/charges were unsolicited yet you are not satisfied with their response then you can log a formal complaint through phonepayplus in ref to this.

 

Hope this helps!

 

Whoops! Just noticed that Goodwill has already said this. Sorry for repeating!

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Thanks to everyone for the advice.

 

I have logged complaints with Comreg (Regulator in Ireland) and Phonepayplus here in UK. No response from Phonepay as yet but a very quick response from Comreg advising that premium numbers in Ireland usually start with 5, the number used in my case is 60699 so it may well be from their UK operation.

 

Thanks Bang, your letter may well be used!

 

Email just arrived from Zamano offering refund (not sure I believe them)....Orange have been worse than useless! Seems like a good business model - there must be thousands of people receiving these texts who simply don't bother as they have company phones etc.

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