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    • Hi Tawnyowl here,i have been watching events over the last week or so as things develop. Labrat,such a sense of humour.😀 Hi honeybee13 . Sure does     Anti-fracking campaigners have reacted with concern to news that the British Geological Survey (BGS) signed a non-disclosure agreement with Cuadrilla over access to operational data. https://drillordrop.com/2019/08/24/suspicion-over-fracking-firms-secret-deal-with-geological-agency/   Cuadrilla has been accused of trying to downplay last night’s 1.6ML earth tremor caused by its fracking operation near Blackpool. The tremor, at 8.46pm, was the largest so far recorded at the Preston New Road site since fracking began there in October 2018. https://drillordrop.com/2019/08/22/living-in-fear-residents-respond-to-1-6ml-fracking-tremor/ Energy firm Cuadrilla said a 2.23-magnitude tremor was recorded at its facility near Blackpool at 11.01pm on Saturday – the third “micro seismic event” this week. While some local residents may have felt the movement, it was not strong enough to have caused any damage to property, the firm added.  Do you believe anything this company says. Like their so called micro seismic events you would think damage could have been caused to properties. Once buildings start shaking this must happen surely. I was approached this afternoon while at a cricket match. Just chatting way about this and that when the person said Did you feel the Earthquake last night. I had not even heard about it,tell me more i said. Lights and windows shaking moving around about a mile away on one of the North of Englands largest housing estates. And there are reports of many more people feeling this event covered on this link. Why should a community be put through this,waiting for the next one. People living around Cuadrilla’s shale gas site reported shaking buildings and windows last night from a 2.1ML tremor. This is the strongest seismic event so far induced by fracking at the Preston New Road site near Blackpool. It brings to more than 90 the number of tremors since fracking resumed at the site less than a fortnight ago. Within minutes of the tremor, there were reports that people had felt it from surroundings towns and villages including Blackpool, Weeton, Westby, Peel, Kirkham, Wrea Green, Great Plumpton and Lytham St Annes. Much more on the link. https://drillordrop.com/2019/08/25/call-for-fracking-ban-after-2-1ml-tremor-shakes-buildings-around-cuadrilla-shale-gas-site/   You might notice that the BGS has a page now for human activity causing Eartquakes-link Last updated: Sun, 25 Aug 2019 18:10:00 (UTC) This list contains seismic events for which there is strong evidence that they have been induced by human activities. It is linked to a database of seismic events and locations and magnitudes may change as events are re-analysed and revised. Background, tectonic seismic activity is reported on our recent earthquakes list. http://earthquakes.bgs.ac.uk/induced/recent_uk_events.html   I had better leave it there for now, more soon.,how will it all end because surely it will. Things cannot carry on much longer like this,can they? Bye for now. Tawnyowl writing from the Earthquake centre of Great Britain courtesy of Cuadrilla Fracking.
    • happy for mod to move it to suitable location under thread title Background: Thanks in advance for any thoughts you can share. This is a very long history, I appreciate your time. In 2011 I took out a £8500. loan from Borro private finance against art and jewellery to make ends meet. The agreements are attached below. This is a CCA. Borro regulated by the FCA. The interest rate is APR 68.8  % for 6 months.  I paid the interest and capital during the period term. On 3 May 2012  I renewed this loan at 79.4% interest for another 6 months.  Last week I requested all evidence the lender holds concerning the agreements. Missing are 03/05/2012 through 14/06 2013.( not under a SAR).  I fell into arrears on the loan and one piece of jewellery was sold, reducing the balance to £6400. Dec 2014.   The lender took a payment of interest £2044.16.  Renewed against the other items ( art etc) on this loan.  The new interest rate increased to 88.8%  . At the time the ring was sold, I requested all documents concerning the sale. Borro produced none. The ring is appraised at $17,5000.  £14,000.  The ring was sold for £3500.  I have an appraisal. I was notified prior to the sale. The ring was sold by "private treaty". I continued to ask for information about this sale until todays date. No information has been provided.  I took a huge loss . The ring is not clearly described on the inventory compared to the appraisal. Documents missing from Borro response to my request include 25/10/2014 to 10/04/2015. I was in arrears on this loan and a new agreement was made. The loan amount was increased to £10,810.00 and the interest rate decreased to  80%.  what is interesting is that the lender should have sold this ring, the value was sufficient to pay off my debts. But that is not what happened. someone got a deal on a nice ring.  II. ON 1, Jan 2012, I took out a second loan in the amount of £3000 against another piece of Jewellery. The interest was 68.8%. I paid the P&I on this loan.    Missing from the requested information is agreement from July 10/2012 until 12/12/2012.  I did pay interest during that period and on 12/12/2012 through 11/06/2013 I renewed  with an interest rate for 79.4 %.  I renewed on 04/07/2013 through 03/06/2014 interest rate 97.8%.  I renewed this loan on 03/01/2014 interest rate was 88.8. Take note there is very little description about this item. I redeemed the loan but ended up back in the pawn. 19/06/2014 to 18/12/2014 interest eat 94.5%. I renewed this loan again 19/03/2015 . Interest rate was 93.2%. Now there is a clearer description of the ring. Documents missing from Borro response to my request include 012/06/2013 to /10/2014 to 10/04/2015. Information on the  description is also scant until I took the loan out again in 2014. The last payment on either loan was March 2015. Default date was September 2015. The lender still has my property.   PROBLEM: In 2013, Borro became aware that the reason I had pawned these items was that I was a plaintiff in a substantial lawsuit in the US. I borrowed because I had lost my job. I was not able to work( I had been FCA regulated). I was facing eviction, had serious financial stability  and some mental health problems. I gave them a copy of the pleadings. They are aware that I had claimed these loans as part of my damages.  In 2015, Periodically I requested the accounting. Some was provided some was not. As a result, in  2016, the head of credit wrote to me " "Thank you for coming in to see me today. As discussed, we will freeze your accounts with us from today the 14th October 2016 until the 31st of December 2016. This will mean that no further interest will accrue until the 31st December 2016 and we will not consign to sale until on or after the 31st December 2016."  I did not hear from them again until  08 February 2017. On 30/03/2017 I responded to Borro request that I give them an update on the accounts. I wrote that I needed a settlement figure.  No response the following week I personally met with the manager I had been dealing with. She told me that " we are not going to sell your property". We understand that you have fallen on hard times, we are human. How long will it take you to sort this out. I responded about 2 months."   I did not hear from Borro again until I wrote to them on 18/03/2019 where I stated, " the last time we met you were going to give me a settlement figure". There was no response. As a result, on  18 March 2019 I sent  an email to - Subject: RE: Borro Accounts. Dear Lender. Hello. The last time we met, you were going to give me a settlement figure. Litigation is still ongoing. We have a potential investor that has asked me to get a figure from you. Depending on that number, I can let you know if I can pay the bill and collect my things in the next few weeks. Please get in touch as soon as possible". no response.   In early July 2019 I received a call from someone at Borro. It was not a good time. I asked him to call me back the following week. I did not hear from him again either. On  6 august 2019 I received an email from Borro that I should log into my account. I was unable to. The following week I wrote to them and in summary: On 13/08/2019 I wrote and included a summary of the events: I am writing to advise you that I am obtaining advice concerning the  account. You are aware that you have not pursued any further action on this account since approximately 2014(or earlier) . This is because I had an agreement with Name Deleted that Borro was not “going to sell my property,  I recited the above summary of events.   Certainly, I had no intention to give up valuable property for almost 8 years and pay interest and principal for this long. I want to develop a resolution to the matter between us. In order to achieve this, Please can you provide me with the following information which is attached in a spreadsheet: I need a very simple accounting and please answer the below: Any renewed loans where additional credit was extended through the re-appraisal of the assets ( ie using the asset as leverage) to extend further credit where the loan proceeds were applied to the loan for reinstatement purposes. What were the source of funds for the last payment made? Because I am seeking advice with a view towards finding a resolution, I would appreciate it if you could hold action on the above account for a period of at least 30 days to give me the time  I need to obtain advice. If you are adding interest or other charges to the account, I would be grateful if you would freeze these during this period so that my debt does not continue to increase. Please can you send me the enclosed spreadsheet and the documents you loaded into my account as soon as possible. This will enable me to obtain accurate advice. I will contact you again as soon as possible with further details of a  proposal to resolve the account. ( so far this lender has not complied with my request)   SETTLEMENT OFFER From: Borro Customer Service <Contact@borro.com> Sent: 14 August 2019 13:22 To: Subject: RE: Your Loan Account   Dear borrower. Thank you for your email and for getting in touch with Borro. As you would be aware there have been many loans with Borro, with two loans that remain outstanding which we are seeking to resolve with you. Given the significant period these have been overdue, the current balance on these two loans is almost £52,000 of which the majority is interest. In order for you to move on from this debt it is proposed to sell the collateral associated with Loan DIAMOND RING 175643 in full and final settlement and return all the items under Loan 198678 to you. This would generate a loss for Borro of approximately £49,000, however given your circumstance this is something we are prepared to offer. While I would love to pay Borro £3000. I do not currently have the funds. Borro is aware because I wrote to them on august 13 advising them i am not working. I do not want to lose my property. I need to find a way for them to walk away, give me my property back. WHAT ARE MY OPTIONS? Below are the questions I have or could raise in order to "negotiate with them". Is this a high interest short term loan? What are the effects of an CCA that has an interest rate of 93.6% and is renewed every six months? It appears that one loan was "Refinanced".  What FCA terms did they violate which might apply to this situation ? After the agreement expired and terms were changed, what rights does the PB have to collect further payments or sell the ring? Did they waive their rights to further payments? How can I use refusal to produce sale information concerning the first ring, to negotiate my way out of this? What is interesting is, they sold a £14,000 ring privately, concealed the buyer and other information, then turned around and INCREASED THE INDEBTEDNESS substantially. In fact they want to do this again, but this time are offering to  write off £49,000  in other interest. What am I missing? What effect does violations of FCA 6 and 7. help me to negotiate a settlement. Is the FOS effective threat to the firm to pressure a settlement? Does a cost cap apply to these loans and if yes what is the amount of the cap? How can I use the current appraisal and FCA or any other rules to stop them from selling the ring for less than market value? I have someone looking at the accounting to see if there are errors. found several when query. anything you can find that voids the agreements? Anything else you can think of THANK YOU!!!   RING.pdf art.pdf
    • I am so sorry I see the confusion now, I was meant to say CAB not CAG. They are just sending him letters to copy and send which doesn't seem helpful at all.    I also apologise for the vague details right now. I actually thought he had got rid of the car already until he mentioned it as he dropped me off home, so I've only got a vague idea myself, i just wanted to see if there was anything he could do other than send letters. I will get more details from him and update this thread, or get him to join as you have advised.  sorry 
    • It was a late payment, no default 
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Surfer01

Will Distance Selling Regulations still apply with O2?

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In June we ordered a sim card only online from O2 and it came with a 12 month contract and got the email to say that a sim card will be sent within the next few days.

Waited and nothing arrived so we assumed that we had failed the credit check for whatever reason but weren't too bothered about it. No DD was set up on our account either. At end of July we got an email to say that our bill was ready and that it was zero. No problem we thought. However at end of August we got another email stating that our bill was zero.

I contacted O2 via their chat line and after being passed around from pillar to post got to some one who said that they would look into it. I told them that I wanted these emails to stop because as far as I was concerned I had not received the goods.

They told me that if I wanted the contract terminated I needed to pay them £93! As I never received the card I told them that I had never activated it and that there was no usage. This seemed to go over their heads and they maintained that a termination fee was due! We were also advised that they activated the card when they sent it out? In essence if someone starts using the card, we would be liable? Seems crazy. We no longer wish to use O2 as we made alternative arrangements when we thought we had been rejected.

Surely if I never received the goods at the very least DSR apply, never mind the fact that they never completed the contact in the first place. All I want them to do is to cancel the 'contract' and to stop billing us!

Please advise as we went around in circles trying to get across to them that no sim card, no activation, no usage, no contract! Thanks.

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Follow their complaints procedure... it's too easy to get fobbed off over the phone, so keep things in writing.

 

their complaints procedure is outlined here

 

This is the importand bit :-

If things go wrong

At O2 we always try to make sure things

run as smoothly as possible for our

customers. If you’re unhappy with any

part of our service, tell us. It gives us a

chance to put things right and also means

we can improve our service to you and

our customers in future.

Your first point of contact

Our customer service teams are in the

best position to deal with your complaint

and should be the first people you

contact. You can contact them by phone

or by letter or email. Contact details

can be found at the end of this code

of practice.

Putting things right

We’ll look into your complaint

immediately and try to sort the issue out

as fully as we can. If you’re unhappy

with our decision, ask for one of our

Customer Service Team Leaders to

investigate further.

An impartial review

We hope that we will have been able

to sort out any problems by this stage.

However, if you are still not satisfied after

speaking to one of our managers and

would like an impartial review, please

write to:

O2 Complaint Review Service, PO Box 116,

Leeds LS11 5DS

Email: complaintreviewservice@o2.com

Fax: 0113 388 6696

What we need to know

In your letter, please include the

following information:

• Your name and address

• Your mobile number

• A daytime phone number

• Details of your complaint

• A suggestion of what you’d like us to

do to put things right

If you’ve had any previous correspondence

relating to your complaint, please send

copies of these as well as any names of

managers you’ve spoken to.

An independent review

The telecommunications ombudsman,

Otelo, can review your complaint if we

haven’t been able to sort the situation

out using the steps above. Unless there is

a deadlock situation, Otelo won’t look at

cases that are less than 12 weeks old.

Otelo, PO Box 730, Warrington WA4 6WU

www.otelo.org.uk

Email: enquiries@otelo.org

Phone: 0845 050 1614

Textphone: 0845 051 1513

If you need advice

For information on your consumer rights,

get free advice from your local citizens

advice bureau (CAB), consumer advice

centre, local-authority trading standards

or consumer protection department.

You’ll find their contact details in the

local telephone directory or ask at your

town hall or local-authority offices.

If you ever need to make a complaint,

we’re always here. Should you have any

feedback about our service, let us know

so we can make improvements.


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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Otelo as an Ombudsman no longer exists and is now Ombudsman Services: Communications. However thanks for the O2 complaints email address.

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I think that you need to tell O2 that you did not receive the sim or any other correspondence and presumed that they had not sent it and that in line with the distance selling regs you presume that the sale never took place and any contract is null and void.

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I think that you need to tell O2 that you did not receive the sim or any other correspondence and presumed that they had not sent it and that in line with the distance selling regs you presume that the sale never took place and any contract is null and void.

Thanks. I did that when I contacted them via their chat line but they insisted that the contract was valid as they had activated the sim card? Not sure if the person to whom you are chatting is local or in India as I kept going around in circles! I have now written to O2 via the email address supplied and will wait their response. I also stated that if they disagreed then they must supply a deadlock letter so that I can escalate it to the Ombudsman Service.

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Otelo as an Ombudsman no longer exists and is now Ombudsman Services: Communications. However thanks for the O2 complaints email address.

 

Quite right, however I just copy and pasted from their "code of practice" that I got from their website... I'd have thaught they would've updated their links to that! :p


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)

 

If you can't donate, please use the Internet Search boxes on the CAG pages - these will generate a small but regular income for the site

 

Please also consider using the

C.A.G. Toolbar

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Thanks. I did that when I contacted them via their chat line but they insisted that the contract was valid as they had activated the sim card? Not sure if the person to whom you are chatting is local or in India as I kept going around in circles! I have now written to O2 via the email address supplied and will wait their response. I also stated that if they disagreed then they must supply a deadlock letter so that I can escalate it to the Ombudsman Service.

 

That would be them trying to exploit any loopholes within the regs

 

At the end of the day, you are still waiting for your sim, you have waited too long, presumed that they were not going to supply and gone elsewhere. Is this a zero price line rental - as you haven't been charged? If so then there's no problem if they cancel the sim & send you a new one which you can destroy!

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