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    • The summary is that I collected my van after it was towed, drove it 20 metres and saw a panel come loose, I went inside to report it and immediately emailed them, they have since refused the claim as I had already collected the vehicle.   The story:   - Van towed - Van collected, signed out 12:00 - Van appeared visually to have no new damage, was not allowed to drive it until paperwork signed - Upon driving it a plastic exterior panel came loose (this appears to be from when it was craned onto of truck) - I stopped the vehicle 12:03 and walked into their office to report damage - I emailed photos to head office 12:08 - NSL initially claimed they examined photos and damage was pre-existing - I requested CCTV footage of my visit under Data Protection Act. I provided them a copy of my ID, photo, description of clothing as well as letting them know I was the only member of public/customer on-site for the duration of my visit - CCTV footage denied on basis I "was not recognisable" after they reviewed footage - Initially refused to provide any photos of vehicle - Finally produced 0.3 megapixel images, much too low resolution to see anything, but certainly confirming their claim the damage was pre-existing is false - Refuse to provide original full resolution images despite multiple requests - Latest excuse I was gone 15 minutes and could have caused the damage during this time. Clearly a false assertion given I emailed them within 8 minutes and was in their office within 3 minutes of leaving. - I feel by refusing to provide CCTV footage and full resolution photos they are obstructing my ability to prove they caused the damage   The damaged panel tore off at 30mph while trying to go to have it looked at, luckily no other vehicle was damaged, in hindsight I should have driven with the panel being damaged. But this proves the damage is very unlikely to have been pre-existing as the van couldn't be driven.   So I intend to pursue through the small claims court. My questions are:   - I can't afford to fix the van right now and as it is cosmetic, I can still use it without fixing the panel. Can I get a quote from Renault and claim on MCOL for the value of the repair? - Although I was gone only 3 minutes and drove 50 metres from NSL yard directly to NSL office, I did still take the vehicle before reporting the damage, this was due to the panel being pushed into place (but not secured) and therefore not visible until the vehicle was moved. Will this work against me when making a claim? - Does their repeated lying (first claiming it was pre-existing, then falsely claiming I was gone 15 minutes and could have caused the damage then) work against them? - Does withholding CCTV where I was the only non-high vis person on-site on the basis I was not "identifiable" work against them (clearly I was identifiable, I was the guy without high vis on) - Does failure to produce any original images, just very compressed images of the van before and after towing, work against them?   How strong a case do people think I may have?   I have exhausted their complaints process.   Thanks in advance for any thoughts on this.
    • I have recently managed to get rid of some historical debt as it became statute barred and thought I had gotten rid of old debt. However, I have received a letter from a firm of Solicitors chasing the recovery of fees for a timeshare we bought in 2010 privately from the previous owner. We have visited it once and paid fees once in 2011. I have not communicated with them or paid anything since 2011   As far as I am aware, I haven't received any communication from the Timeshare company or the representatives for probably 5 or 6 years. The total debt is £3670.    Is this type of debt subject to the same rules as any other debt, i.e. a default has to be issued 3 months after last payment becomes overdue and can it be statute barred or am I going to have to pay it as it is timeshare rather than a traditional debt. I still have the timeshare but am now actively looking to get rid of it.   Thank you. 
    • Today I got a refund of £25 from Packlink. I have also submitted a claim form with Hermes, as you suggested.   It pays to be tenacious.   Thanks for your advice.
    • Hello there,   My wife (62) has advanced arthritis on both hands and wrists (inherited from her mother's side of the family).   She left her job as a youth carer in January of this year because amongst other issues with her inability to work they pushed her into office and admin. However, with her arthritis, writing or using computers became impossible. As nearly all jobs available requires some use of hands, which she is unable to do, what benefits would be available to her. Does my wife qualify for anything?   Other info. She does have arthritis in all areas of her body, but for example she is able to walk reasonable distances, sit down comfortably for reasonable lengths of time, etc. She also suffers from psoriasis (which may have played a part in her condition).   A friend of hers owns a wine bar and offered her a job (not too taxing) but it required her to carry wine bottles and glass which was OK-ish for the first 60 mins but then became impossible for her to do.   Any help or advice greatly appreciated.   cheers sidley
    • I think it will be very helpful to let people know more detail about these debts. Who is the original creditor? How much was the debt for? When was the debt incurred? When did you last make any payment or acknowledgement of the debt
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Hi

 

I have very recently received a phone call and follow up letter from a Debt Collection Agency

regarding an old bill that i know of with Vodafone.

 

I do not dispute the fact i owe Vodafone money

however i do believe the amount the DC Agency is suggesting is high.

 

I will be paying the money back when / if i can come to a reasonable agreement with them

but before that i would like some advise on obtaining information from them

telling me that the debt has been legally passed to them by Vodafone for collection

- i simply do not want to give my bank card details to someone who at present is unknown to me.

 

Is there a sample letter that i should be sending to request certain documentation before making a payment?

 

I read somewhere that i am allowed to ask for this sort of information

but is there any specific legislation i should call upon in the letter?

 

Any help would be appreciated.

 

Thanks

 

Shane

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Hi shane,

 

How old is the debt? When did you make the last payment?


Welcome to Consumer Action Group

 

'Challenges are what makes life interesting; overcoming them is what makes life meaningful.'

Joshua J. Marine

 

1) CLAIM BACK ALL PENALTY CHARGES CLICK HERE

2) CLAIM BACK ALL MIS-SOLD PPI CLICK HERE

3) COMPOUNDED CONTRACTUAL INTEREST CLICK HERE

4) REQUEST CCA FROM CREDITOR CLICK HERE

5) OFT- UNENFORCEABLE AGREEMENTS CLICK HERE

6) CAREY V HSBC (2009) CLICK HERE

7) DON'T BE BULLIED BY CREDITORS / DCA's CLICK HERE

8) IN DEBT DON'T PANIC CLICK HERE

9) FULL AND FINAL SETTLEMENT CLICK HERE

10) SALE OF GOODS ACT-EDUCATE YOUR RETAILER CLICK HERE

11) DISTANCE SELLING-EDUCATE YOR RETAILERCLICK HERE

12) SOGA SUMMARY CLICK HERE

13) WHICH? TEMPLATES [/url]CLICK HERE

14) DOES YOU BANK TREAT YOU FAIRLY BCOBSCLICK HERE

15) EVERYTHING HOUSING CLICK HERE

16) UTILITY BACKBILLING CLICK HERE

17) OFGEM - COMPLAINTSCLICK HERE

18) OFCOM - COMPLAINTS CLICK HERE

DON'T GIVE UP, THIS SITE WILL PROVIDE YOU WITH GUIDANCE AND EMPOWERMENT

 

Don't forget to donate to this site

 

Please let us know how your problem has been resolved, it could help fellow Caggers

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Should the poster have Vodaphone in the title so that Lee can get on board?

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Hi

 

The debt is less than a year old - i believe i made the last payment approximately 9/10 months ago.

 

Thanks

 

Shane

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Hi Shane,

 

Did you admit to the debt in the phone call?


Welcome to Consumer Action Group

 

'Challenges are what makes life interesting; overcoming them is what makes life meaningful.'

Joshua J. Marine

 

1) CLAIM BACK ALL PENALTY CHARGES CLICK HERE

2) CLAIM BACK ALL MIS-SOLD PPI CLICK HERE

3) COMPOUNDED CONTRACTUAL INTEREST CLICK HERE

4) REQUEST CCA FROM CREDITOR CLICK HERE

5) OFT- UNENFORCEABLE AGREEMENTS CLICK HERE

6) CAREY V HSBC (2009) CLICK HERE

7) DON'T BE BULLIED BY CREDITORS / DCA's CLICK HERE

8) IN DEBT DON'T PANIC CLICK HERE

9) FULL AND FINAL SETTLEMENT CLICK HERE

10) SALE OF GOODS ACT-EDUCATE YOUR RETAILER CLICK HERE

11) DISTANCE SELLING-EDUCATE YOR RETAILERCLICK HERE

12) SOGA SUMMARY CLICK HERE

13) WHICH? TEMPLATES [/url]CLICK HERE

14) DOES YOU BANK TREAT YOU FAIRLY BCOBSCLICK HERE

15) EVERYTHING HOUSING CLICK HERE

16) UTILITY BACKBILLING CLICK HERE

17) OFGEM - COMPLAINTSCLICK HERE

18) OFCOM - COMPLAINTS CLICK HERE

DON'T GIVE UP, THIS SITE WILL PROVIDE YOU WITH GUIDANCE AND EMPOWERMENT

 

Don't forget to donate to this site

 

Please let us know how your problem has been resolved, it could help fellow Caggers

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Hi Rebel

 

I had no reason not to deny the debt however i did state to the gentleman on the phone i disputed the amount.

 

He said we have posted a letter proving they have been assigned the debt by Vodafone however having received this letter today it's not really proof...its just a sentence stating they have been instructed by Vodafone to collect.

 

Thanks

 

Shane

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and i can send you the same letter and ask you to pay me.

 

you need a letter from vodafone stating which company will be collecting on there behalf


PHOTOBUCKET TUTORIAL IS NOW DONE HERE IT IS

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Hi Shane

 

Send a letter to Vodafone, send it recorded keep a copy, ask them to send you a receipt. You want any Penalty Charges you've paid taken off the amount they are asking. In the letter tell them how much your willing to pay and why you are disputing the total amount. Tell them you will only deal with them.

 

Just for the record I wasn't asking you 'deny' the debt, but I wanted them to provide the correct documentation.

 

So your saying to them, give me a bit more then the 'one sentance'.


Welcome to Consumer Action Group

 

'Challenges are what makes life interesting; overcoming them is what makes life meaningful.'

Joshua J. Marine

 

1) CLAIM BACK ALL PENALTY CHARGES CLICK HERE

2) CLAIM BACK ALL MIS-SOLD PPI CLICK HERE

3) COMPOUNDED CONTRACTUAL INTEREST CLICK HERE

4) REQUEST CCA FROM CREDITOR CLICK HERE

5) OFT- UNENFORCEABLE AGREEMENTS CLICK HERE

6) CAREY V HSBC (2009) CLICK HERE

7) DON'T BE BULLIED BY CREDITORS / DCA's CLICK HERE

8) IN DEBT DON'T PANIC CLICK HERE

9) FULL AND FINAL SETTLEMENT CLICK HERE

10) SALE OF GOODS ACT-EDUCATE YOUR RETAILER CLICK HERE

11) DISTANCE SELLING-EDUCATE YOR RETAILERCLICK HERE

12) SOGA SUMMARY CLICK HERE

13) WHICH? TEMPLATES [/url]CLICK HERE

14) DOES YOU BANK TREAT YOU FAIRLY BCOBSCLICK HERE

15) EVERYTHING HOUSING CLICK HERE

16) UTILITY BACKBILLING CLICK HERE

17) OFGEM - COMPLAINTSCLICK HERE

18) OFCOM - COMPLAINTS CLICK HERE

DON'T GIVE UP, THIS SITE WILL PROVIDE YOU WITH GUIDANCE AND EMPOWERMENT

 

Don't forget to donate to this site

 

Please let us know how your problem has been resolved, it could help fellow Caggers

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Hi

 

Thanks for the information. I will send a letter to Vodafone asking if i can deal with them. I do wish i just cancelled the mobile contract when i stopped using it...o well thinking like that now is my fault!

 

i hope i can deal with vodafone direct as DC Agencies are so shady!

 

Thanks

 

Shane

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Let us know how you get on.


Welcome to Consumer Action Group

 

'Challenges are what makes life interesting; overcoming them is what makes life meaningful.'

Joshua J. Marine

 

1) CLAIM BACK ALL PENALTY CHARGES CLICK HERE

2) CLAIM BACK ALL MIS-SOLD PPI CLICK HERE

3) COMPOUNDED CONTRACTUAL INTEREST CLICK HERE

4) REQUEST CCA FROM CREDITOR CLICK HERE

5) OFT- UNENFORCEABLE AGREEMENTS CLICK HERE

6) CAREY V HSBC (2009) CLICK HERE

7) DON'T BE BULLIED BY CREDITORS / DCA's CLICK HERE

8) IN DEBT DON'T PANIC CLICK HERE

9) FULL AND FINAL SETTLEMENT CLICK HERE

10) SALE OF GOODS ACT-EDUCATE YOUR RETAILER CLICK HERE

11) DISTANCE SELLING-EDUCATE YOR RETAILERCLICK HERE

12) SOGA SUMMARY CLICK HERE

13) WHICH? TEMPLATES [/url]CLICK HERE

14) DOES YOU BANK TREAT YOU FAIRLY BCOBSCLICK HERE

15) EVERYTHING HOUSING CLICK HERE

16) UTILITY BACKBILLING CLICK HERE

17) OFGEM - COMPLAINTSCLICK HERE

18) OFCOM - COMPLAINTS CLICK HERE

DON'T GIVE UP, THIS SITE WILL PROVIDE YOU WITH GUIDANCE AND EMPOWERMENT

 

Don't forget to donate to this site

 

Please let us know how your problem has been resolved, it could help fellow Caggers

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Hi

 

Following on from the help given earlier..

.i have received another call from the Debt Collecting Agency and my god what a conversation.

 

He was clearly an arrogant person on the end of the line

and went into a line of we want a payment now over the phone

so we can set up an agreeable monthly re-payment.

 

I interrupted at this point and said i am not willing to make any payment to you

until i am satisfied that you have been legally assigned to collect the payments on behalf of Vodafone.

A simple enough request i thought

- most people like to know who they are paying right??

 

he then went into a verbal assault accusing my of not being able to manage my finances

and having a bad credit rating etc etc which to be honest flung me back a bit

considering i had only asked him to provide me with copies of information

that led to them taking the account on from Vodafone.

..this is not an unreasonable request is it?

 

because i was taking so long to pay i was incurring their charges.

my account was £440 ish and it had increased to circa £500 due to the delays with repayments etc.

 

that if i did not make payment tonight they would instigate the next step of issuing court proceedings to recover the money.

 

At this point i cut him off and said i am not being unreasonable in my request for the information

but again he cut me off with accusations of poor credit management etc etc.

He closed by saying they would get court proceedings out to me ASAP.

 

Thats how the call ended and to be honest i am fuming.

I dont suppose its just me who has had this kind of call

but surely they cant do this especially when i am only requesting such detail.

 

Any advise on how i can address this situation further would be greatly appreciated.

 

Thanks

 

Shane

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tell them you are recording even if you are not and that you have the right as the bill payer they will soon put the phone down


PHOTOBUCKET TUTORIAL IS NOW DONE HERE IT IS

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Hi

 

Following on from my post last night I have now emailed The Financial Ombudsman to instigate a complaint against Fredrickson International.

 

Do you think I should in any case issue them on the the 'prove it' letters or is their verbal threat of court action just that...a threat with no substance?

 

Thanks

 

Shane

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Hi

 

Following on from my post last night I have now emailed The Financial Ombudsman to instigate a complaint against Fredrickson International.

 

Do you think I should in any case issue them on the the 'prove it' letters or is their verbal threat of court action just that...a threat with no substance?

 

Thanks

 

Shane

 

It may be a threat with no substance - and a prove it letter at least puts the ball in their court.

 

DO NOT deal with them on the phone - send them a harrasment letter also, and refuse to answer their security questions on the phone in the meantime - or even better just say in writing only and hang up.

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Hi Shane,

 

From the information you've posted here I'm sure I can be of assistance to you here.

 

To enable me to access your account so that I can take a closer look at things for you could you email me your details by following the steps 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. Could you update the thread with this so I can make sure it reaches us and I'll get back to you as soon as possible?

 

Kind regards,

 

Lee

 

Web Relations Team

 

Vodafone UK

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Lee

 

I have been given a reference number from Vodafone of 4390724 - hope this helps?

 

Thanks

 

Shane

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Hi Shane,

 

Thanks for coming back to me.

 

I can confirm that I've got your email and will be coming back to you as soon as I can to discuss this further.

 

Kind regards,

 

Lee

 

Web Relations Team

 

Vodafone UK

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Lee

 

Thanks for the call earlier today. I am glad we have managed to agree a repayment from me direct to Vodafone.

 

I am very pleased that i do not have to deal with that shoddy debt management company again.

 

Thanks

 

Shane

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Hi Shane,

 

Thanks again for your time on the phone yesterday.

 

I'm pleased that we were able to come to an acceptable arrangement here with you and thanks for updating the thread to confirm that this is now resolved.

 

Take care.

 

Lee

 

Web Relations Team

 

Vodafone UK

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Thread title updated


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

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Hi all

 

I have a well documented issue with a high profile telecommunications provider and in a final attempt to resolve the issue i am contemplating issuing proceedings in the County Court.

 

I have drafted a letter before action (using this sites template) and i was wondering if anyone would volunteer to review it for me prior to me sending it?

 

Thanks

 

Shane

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You want to post it up Shane or prefer to PM it to me? ( if the case is sensitive)

 

 

Regards

Andy


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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

 

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Andy

 

I'd prefer to PM it to you. I'll do that now if you dont mind?

 

Thanks

 

Shane

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Ok Shane,

 

Firstly never pre warn the basis of your claim within a LBA. LBAs are for warning and intentions and seeking proporsition and summons are for pleadings.Im not sure if you are aware but we have a Rep on site here who may be able to defuse this for you before any action is required, Lee Vodafone Company Rep.I would PM him and get his attention and explain your problem and intentions firstly before any course of legal action.

 

Regards

 

Andy

 

Here is a link http://www.consumeractiongroup.co.uk/forum/member.php?260000-Lee-Vodafone-Company-Rep


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

 

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

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