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    • Hi All    Hoping for some advice if possible.  I will try to be as concise as I can so I will bullet point, hope this doesn't seem rude.    My Ford Focus 2.0 TDI Powershift 83k miles   *had a major service and an automatic gearbox oil change on Friday 4th October    * Saturday 5th October - had been out in-car driven 30-mile round trip with about 10 hours in between, when I got home the radio and dashboard wouldn't turn off as it usually does when you switch the ignition off and open the driver's door. Tried to switch the radio off manually no joy, after about half an hour it just went off on its own. Didn't think much more of it.   * All was well, travelled to work and back on Monday and Tuesday a 20-mile round trip each day   * Wednesday on the way home started the car and it made a funny noise so I tried to turn it off and it took me several attempts to switch it off.    I left it a couple of mins and switched it back on and all seemed well again. After about five mins of driving it came up with hill start assist unavailable, so I thought I would take it back to where it had been serviced. After about another 10 mins it went into limp home mode and came up with a message saying transmission not fully operating (or something like that).    * AA came out and plugged the computer in said that it was bringing up a fault on pretty much every system in the car but when he tried to get into the in-depth diagnostics it kept kicking him out.   The transmission message cleared and the aa offered to follow me to the garage which they did, the car drove ok again for about 15 mins then went back into limp home mode.    * Car has been at the garage since close of business Wednesday, I have rung for an update each day to be told there was nothing until today when I expressed a bit of frustration at this was rang back and told it is probably something to do with the clutch but not sure yet.   * Apparently they have a gearbox specialist in for a 2nd opinion today and should be able to get back to me tomorrow.    So my questions are:   1. Could a fault with the clutch cause all of the above problems? 2. If it is the clutch is it likely to do with the service/gearbox oil change as it was running PERFECTLY before this, I only had the gearbox oil change because I was advised to. As an aside I had to have a new gearbox put in while the car was under warranty as it malfunctioned.    I am honestly grateful for any advice, as I'm just feeling really fed up at this point and the garage are giving me the least possible info they can give me.    Thanks :-) 
    • Hi,   My friend was being bullied by a manager who kept saying that anonymous people were complaining about her, she is asian and the minority where she works, she raised concerns in her meeting that she felt it had something to do with her race and gets treated differently to the rest of her colleagues due to off the cuff comments previously made and was told by her manager that as a minority she has to prove herself more as a minority in life and thats unfortunately the way it is. Following on from this they’re were more anonymous complaints all revolving around her attitude when speaking to the anonymous individual(s), she then had a meeting with hr initiated by her managwe and expressed her concerns, no outcome was given as the hr person said it was informal and a week later she has been told that she is being made redundant, my question is there were no specific incidents mentioned and my friend is still confused exactly how this came about but suspects it’s her manager who has taken a disliking to her, is this lawful?
    • Thanks for advice . I have spoken to the ICO , and their opinion is that there “may “ be cause for complaint . In the first instance I should write to the hospital (CEO)citing GDPR, giving them 30 days to respond . If the response is not to my satisfaction , then back to the ICO to raise a formal complaint . The ICO also suggested copying in the GMC with the complaint , I feel at present that is one step too far , perhaps I will sit on that until I get a reply from the hospital.
    • Thanks ethel and stu007   Yes, we had the kerb double dropped so me and my partner can park off the road. Before , just had one, and idiot would park in middle of properties so couldn't fit two cars on road outside. Has been issued a good 3 or 4 PCNs for obstructing since done. Its the back of the car, sometimes as far as a wheel but has a long boot/bumper which hangs over, so its not fully over. Recently seems to be as far as can without getting a ticket.   CCTV - shall read up thanks. Oh also, when I say 5 CCTV, that is 4 on property (100% out of boundary) and 1 in car which is lit up all night.   Does this count as harassment? The initial start of this thread, about 6 threatening letters asking me to pay for vehicle damage or court (nothing came of this) The constant parking annoyance (going on a couple of years) The loud music, witnessed by Env heath officer but not quite loud enough for notice, so letters sent. Paint 'accidentally' spilled on road outside my property (because was parked over our drive at time) Letters about rubbish outside my own garage at rear of properties and the 4 screws attaching bamboo to his fence. Then reported me for fly tipping, didnt go anywhere as officer agreed wasn't causing an issue. I have since sorted the screws and bamboo and idiots fence is literally falling apart. Concreting over 1/4 of my grass in rear lane whilst doing own part. Stupid things like having a BBQ and the parasol sticking way over the fence into my garden. All very subtle and annoying things to cause issues, without quite breaking the law.   The council are aware and claim powerless as own properties and the police pretty much are not interested.   What can be done?    Cheers   E!              
    • Hi, any thoughts on this would be greatful, will send tomorrow i think.. letter_15th_oct.pdf
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stat barred equidebt passed to CAS

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Hi all,

 

Equidebt have been chasing me for a stat barred debt last payed in march 2006.

 

I recently wrote pointing out its stat barred and i wont be offering any payment ever.

 

I now have a letter from Credit Ancillary Services. Reads as below.

 

CAS is a specialist assessment and recoveries subsidiary of equidebt. We specialise in assessing your credit file and various public sector data sources to determine whether legal action is an appropriate form of recovery. We are taking this action because:

 

* you appear to be either ignoring our contact attempts or refusing to discuss repayment terms.

* you have left equidebt with no other choice to escalate to CAS.

 

we will use publically held data to determine what happens next. If you have funds available then you need to call us now to make an arrangement, if you dont have funds available call us to discuss what options are available to you.

 

if we dont hear from you within 14 days our assessment process will lead us to:

 

** pass your account to field agents to call at your home

** litigation action - our solicitors will make an application to try to obtain a county court judgment against you. If granted then equidebt caan apply to the courts to take further enforcement action.

 

litigation action may have serious consequences for you. If equidebt commence proceedings against you, you should seek independent advise about what this could mean for you and any assets you hold such as property. MAKE AN OFFER AND YOU CAN STOP THIS.

 

make an offer of payment: any plan that is agreed and honoured will prevent actions taken against you. you can pay as much or as little as you can realistically afford, just call 08002585673 now and agree repayment.

 

 

 

What idiots!!! it is STAT BARRED.

 

shall i point out to these retards that it is stat barred too? concidering CAS is Equipratts then they should know this already?

 

How shall i proceed?

 

thanks


Credit Reference Agencies - not all details will show on all 3. So check all 3

 

Noddle (callcredit) free

https://www.noddle.co.uk/

 

£2 statutory credit report off the other 2 listed below.

 

Experian

http://www.experian.co.uk/consumer/statutory-report.html

 

Equifax

http://www.equifax.co.uk/Products/credit/statutory-report.html

 

 

If i help feel free to click star on my post. cheers

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Hi all,

 

Equidebt have been chasing me for a stat barred debt last payed in march 2006.

 

I recently wrote pointing out its stat barred and i wont be offering any payment ever.

 

I now have a letter from Credit Ancillary Services. Reads as below.

 

CAS is a specialist assessment and recoveries subsidiary of equidebt. We specialise in assessing your credit file and various public sector data sources to determine whether legal action is an appropriate form of recovery. We are taking this action because:

 

* you appear to be either ignoring our contact attempts or refusing to discuss repayment terms.

* you have left equidebt with no other choice to escalate to CAS.

 

we will use publically held data to determine what happens next. If you have funds available then you need to call us now to make an arrangement, if you dont have funds available call us to discuss what options are available to you.

 

if we dont hear from you within 14 days our assessment process will lead us to:

 

** pass your account to field agents to call at your home

** litigation action - our solicitors will make an application to try to obtain a county court judgment against you. If granted then equidebt caan apply to the courts to take further enforcement action.

 

litigation action may have serious consequences for you. If equidebt commence proceedings against you, you should seek independent advise about what this could mean for you and any assets you hold such as property. MAKE AN OFFER AND YOU CAN STOP THIS.

 

make an offer of payment: any plan that is agreed and honoured will prevent actions taken against you. you can pay as much or as little as you can realistically afford, just call 08002585673 now and agree repayment.

 

 

 

What idiots!!! it is STAT BARRED.

 

shall i point out to these retards that it is stat barred too? concidering CAS is Equipratts then they should know this already?

 

How shall i proceed?

 

thanks

 

Send the statute barred letter again with the header ''FINAL RESPONSE''.


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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and leave the stamp off!!

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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and leave the stamp off!!

 

dx

 

Not a wise move, I think this final letter should be sent at the very least via Free proof of posting so OP has evidence the letter has been sent.. The post office wont give PoP if there is no stamp.


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

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Get proof of posting at very least, but RD is better for this letter.!!


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Equidebt can do nothing to you (other than get up your nose somewhat). Why then waste money on RD? Proof of posting is more than adequate. I wouldn't even waste money on a stamp, I'd email them. But if you want a belt and braces approach, you could post a letter and email it too.

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I sent stat barred letter headed FINAL RESPONSE. mid DEC 2012

 

nothing heard back............


Credit Reference Agencies - not all details will show on all 3. So check all 3

 

Noddle (callcredit) free

https://www.noddle.co.uk/

 

£2 statutory credit report off the other 2 listed below.

 

Experian

http://www.experian.co.uk/consumer/statutory-report.html

 

Equifax

http://www.equifax.co.uk/Products/credit/statutory-report.html

 

 

If i help feel free to click star on my post. cheers

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Hopefully, you wont hear any more from them :)

 

Did you get the free PoP or send by recorded delivery ?


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

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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i sent it 2nd class signed for in the end. now I know who signed for it too :)


Credit Reference Agencies - not all details will show on all 3. So check all 3

 

Noddle (callcredit) free

https://www.noddle.co.uk/

 

£2 statutory credit report off the other 2 listed below.

 

Experian

http://www.experian.co.uk/consumer/statutory-report.html

 

Equifax

http://www.equifax.co.uk/Products/credit/statutory-report.html

 

 

If i help feel free to click star on my post. cheers

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i sent it 2nd class signed for in the end. now I know who signed for it too :)

 

Good move. Keep everything together and somewhere safe - JIC


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

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Have you checked your credit record?


“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

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there is no default for this DonkeyB - on all 3 CRA

 

ta


Credit Reference Agencies - not all details will show on all 3. So check all 3

 

Noddle (callcredit) free

https://www.noddle.co.uk/

 

£2 statutory credit report off the other 2 listed below.

 

Experian

http://www.experian.co.uk/consumer/statutory-report.html

 

Equifax

http://www.equifax.co.uk/Products/credit/statutory-report.html

 

 

If i help feel free to click star on my post. cheers

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Excellent.


“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

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