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    • best bet is ask him for the error code.   dx
    • As l thought.    Sorry only following as l am trying to help neighbours sons with a first car. So info getting as much as possible. 
    • Hi CAG team,   I have been really messed around with the conservatory company called Frames and Conservatories, based in Bury St. Edmunds.   Back in June a representative came to my home and went through the final designs and confirmed to me that the start date would be middle of September and would take approx 2 weeks to complete.   Few days later I received an email to confirm the design and quotation for works.   I accepted the design and signed the electronic documents by email.    on 20th July, I signed the final electronic documents and on 26th July I received my order number.   On 18th August, Frames Conservatory surveyor performed the survey.   On 25th August, I received an invoice for "professional fees" £700, which I paid the following day.   On 1st September,  I received an email from the installation department stating, “The manufacturers have advised that it is not possible to have the large window as requested due to the side bottom opening windows being oversized. As discussed, there are a couple of alternatives which we could offer you and I have attached a brief drawing to enable you to understand what I was trying to verbally explain to you.”   The same day, I replied by email, accepting what the manufactures advise and went through the options suggested and picked one.  I also expressed my serious concerns about the weather due to the delay of the work process.  I also expressed concern regarding the appropriate insulation of our property during rain.  I said I am worried about potential damp issues.  I asked them to take my concerns seriously before works start as to avoid potential future disappointments.  On 4th September, I received updated drawings with the new window design and new electronic documents to sign.  I signed the documents the same day.   Since signing the documents no one from the company has contacted me.  I called and left several messages requesting that someone please call me back.   They never gave an guaranteed start date in September,  but the middle of September came and went and my efforts to get in touch were ignored.   On 14 October I managed to speak to the manager to complain about the delays and I was promised that the builders will come on (today) 18/10/21 at 08:00.   I took a few days of annual leave so that I am present for the 18th and the next few days to assist the builders but no one showed.   When I called the company office, they did not know why the builders had not arrived.  The manager said he would investigate and call me back.  I told the manager that I was not happy with the service I am receiving and that I no longer wish to proceed and that I want my money back.  The manager promised that someone will call me shortly.   After another conversation with the installation manager, I was promised that the builders will come on 20 October (Wednesday) Builder will finish in a week time and that the company will start the windows and the frames on Monday 01/11/2021. Estimated finish time 15/11/2021 (the earliest) or 26/11/2021 (the latest).    I also asked about the protection of the wooden floor. He told me that they are planning to cover that with plastic membrane and not a roof (I have to pay extra).  Of course he cannot guarantee for wall and floor humidity or further damage due to wet weather and the rain.    I don't want them to start on Wednesday - I have asked to cancel the contract but they are not listening.  They are just not listening to me at all. What else can I say to them?   As always, thanks so much for your help!                      
    • Hi Swales and welcome to CAG   Bannatynes tell users they require 3 months notice to leave but we always tell folk to challenge/ignore this.   I doubt you're bound to Bannatynes by vitue of the Virgin agreement.   Do as DX says - printed letter addressed to the Gym Manager :-   Dear sir or madam,   This is 30 days notice that I am cancelling my gym membership.   I will allow 1 final payment to be taken by DD, after which I will tell the bank to cancel the DD mandate.   Yours faithfully,   If they say you have to give 3 months notice, don't even bother arguing with gym staff.   Let us know if you get any demands from the gym or maybe ARC (their admin company).
    • Okay well I'm still not really following it.....as long as the second claim has a different claim number.   So first claim, number xxxxxxxxx was issued 08/03/2017  and the defence you are submitting now is claim number xxxxxxx issued on 09/11/20 ?
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soi called out tooth fairy northern debt marshall hoares


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hi so here goes, where do i begin...........

 

i get a payday loan from TFF it defaults due to a mistake on their behalf and i get hit with all sorts of fees.......im sure you know where im going with this, these fees lead me to being contacted (harassed) by NDR and MHB ive had all of their techniques, emails,sms,phone calls about bailfs court costs blah blah blah..........

 

i decide to google and find CAG within 7 days of reading thread i found out all i need to know about my rights regarding both legal and with comlaints eg, OFT FOS.

 

last night i prepared an email calling out all parties on their flawed polices, i went into great length about the oft rules and regulations that they were breaking so i have complained to the oft and all transcripts had been issued to them, along with numerous breaches of general law including trying to take monies from my bank account without my permission which is classed as stealing.

 

today i receive an email from a 4th party ''payday processing loans'' in response to what i had to say, here it is

 

 

 

 

Dear Mr xxxxx

 

We are sorry to hear that you have a complaint about the service you have received. The company attempts to treat its customers fairly in all circumstances and we apologise if you believe the service you have received falls short of your expectations in any way.

 

Please accept this email as acknowledgment of your complaint. We have 8 weeks in which to try to come to an amicable agreement. If we are unable to come to resolve your complaint in that period, you will receive a Final Written Response. This will set out the company’s final position in respect of your complaint.

 

If you are unhappy with the Final Written Response and wish to appeal further you have the right to make a formal complaint with the Financial Ombudsman Service. You must make sure you do this within six months of receiving the Final Written Response or you may lose your right to ask the Ombudsman to review your complaint.

 

The contact details for the Financial Ombudsman Service are as follows:

 

Financial Ombudsman Service

South Quay Plaza

183 Marsh Wall

London

E14 9SR

 

 

We hope that you find the information contained herein to be helpful and that we are able to resolve your complaint to your satisfaction.

 

I have thoroughly reviewed your file and will block outgoing calls regarding collections. Although the loan was due in full 13th January 2013, we will reduce your outstanding balance from £678 to £364 to close your file. This offer is made in satisfaction of your complaint and contingent on its withdrawal.

 

Please let me know in writing if you accept our offer. Alternatively, please let me know what it is that I can do further to resolve your complaint.

 

I look forward to hearing from you.

 

Yours sincerely,

 

Michael Lapides

Complaints Assistant

Web Loans Processing Limited

 

NOTICE: The contents of this e-mail are intended for the named addressee only.

 

It contains information which may be confidential and which may also be privileged. Unless you are the named addressee (or authorised to receive for the addressee) you may not copy or use it, or disclose it to anyone else. If you received it in error please notify sender immediately and then destroy it.

 

 

 

 

 

entertaining agreed ???? you will notice numerous further breaches of the oft rules and regulations including an offer of reduced debt if i withdraw my complaint absolutely laughable.

 

i immediately responded with yet another email calling them out and using their scare tactics against them for a change email which is as follows

 

 

 

hi Michael thankyou for your quick response this is of great amazement to me as almost all contact i have made has been dismissed immediately.

 

although i have no idea who ''web loans processing'' are im guessing your a part of the tooth fairy finance, northern debt recovery, marshal hoares solicitors family.

 

your email seems sincere enough at first glance (to an uneducated person) but as read it myself i noticed yet another number of statements that once again break oft guidelines/rules and regulations, the main one being you say you are willing to reduce the outstanding debt IF i am willing to withdraw my complaint (this is a big no no tut tut) i cannot wait to update the oft with this one.

 

although i am great full of the information and links you have attached to the email id like to make clear im well aware of all procedures surrounding FOS and OFT when making complaints including response times and time periods in which they must be dealt with.

 

in your email you say you have removed my phone number from being contacted regarding collections yet within an hour of receiving your email i had a text message about a door visit and 4 calls all sent straight to my voicemail as i have blocked your number personally. once again breaching oft guidelines/rules/regulations. i urge you to pass the message on to your colleagues in the next office at TFF NDR and MHS to remove my contact details and respond to me via email/written form as their continuous harassment will only be logged and used in court if and when you do decide to take me.

 

you fail to acknowledge my notification of the removal of your right to a door visit, i once again reiterate my statement that your visits are unlawful as i have clearly stated i wish to resolve the matter via email or in writing, i state again any individual/s who attend my property will be asked to leave failure to do will result in my local police authority attending and removing the individual/s.

 

i have also received an email from NDR today in response to me requesting a copy of my original loan agreement that i electronically signed as well as proof of who actually owns the debt as i have been contacted by TFF and NDR in the last week regarding payment of the debt, this email stated only that a copy of my agreement has been sent out to me via post, so i ask you yourselves to once again send me proof of who actually owns the debt.

 

as for your offer of reducing the debt i will make it clear once again i am not willing to pay more than the original loan fee plus one months interest equating to £272 even if you do agree to this i will not be withdrawing my complaint although i will make clear to FOS and OFT that you were very helpful in resolving the issue once i had opened the dispute with you.

 

if however the dispute remains unresolved after the 8 week period i will not be waiting 6 months to continue with my complaint and i will begin legal proceedings myself against all bodies at TFF NDR MHS and WLP involved with all court costs and solicitors fees being reclaimed from said bodies.

 

i once again thankyou for your hasty response and wait in anticipation for your response.

 

yours

 

xxxxxxxxx

 

 

i cannot wait for their reply but in the mean time i would like to see what you guys think of my approach, its just im not a tool and i will not be bullied by these mugs they have gotten away with it for far too long extorting monies from individuals who are desperate but do not know what they are entering into when dealing with these creeps.

 

ive been greatly inspired by your threads and offer great thanks for the information you have made available for us unfortunate individuals who have had to resort to these pay day loans/loan sharks

Edited by ynwajj
removed my name
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so i called out tooth fairy northern debt marshall hoares

hi so here goes, where do i begin...........

 

i get a payday loan from TFF it defaults due to a mistake on their behalf and i get hit with all sorts of fees.......im sure you know where im going with this, these fees lead me to being contacted (harassed) by NDR and MHB ive had all of their techniques, emails,sms,phone calls about bailfs court costs blah blah blah..........

 

i decide to google and find CAG within 7 days of reading thread i found out all i need to know about my rights regarding both legal and with comlaints eg, OFT fos.

 

last night i prepared an email calling out all parties on their flawed polices, i went into great length about the oft rules and regulations that they were breaking so i have complained to the oft and all transcripts had been issued to them, along with numerous breaches of general law including trying to take monies from my bank account without my permission which is classed as stealing.

 

today i receive an email from a 4th party ''web loans processing ltd'' in response to what i had to say, here it is

 

 

 

 

Dear Mr {edit)

 

We are sorry to hear that you have a complaint about the service you have received. The company attempts to treat its customers fairly in all circumstances and we apologise if you believe the service you have received falls short of your expectations in any way.

 

Please accept this email as acknowledgment of your complaint. We have 8 weeks in which to try to come to an amicable agreement. If we are unable to come to resolve your complaint in that period, you will receive a Final Written Response. This will set out the company’s final position in respect of your complaint.

 

If you are unhappy with the Final Written Response and wish to appeal further you have the right to make a formal complaint with the Financial Ombudsman Service. You must make sure you do this within six months of receiving the Final Written Response or you may lose your right to ask the Ombudsman to review your complaint.

 

The contact details for the Financial Ombudsman Service are as follows:

 

Financial Ombudsman Service

South Quay Plaza

183 Marsh Wall

London

E14 9SR

 

 

We hope that you find the information contained herein to be helpful and that we are able to resolve your complaint to your satisfaction.

 

I have thoroughly reviewed your file and will block outgoing calls regarding collections. Although the loan was due in full 13th January 2013, we will reduce your outstanding balance from £678 to £364 to close your file. This offer is made in satisfaction of your complaint and contingent on its withdrawal.

 

Please let me know in writing if you accept our offer. Alternatively, please let me know what it is that I can do further to resolve your complaint.

 

I look forward to hearing from you.

 

Yours sincerely,

 

Michael Lapides

Complaints Assistant

Web Loans Processing Limited

 

NOTICE: The contents of this e-mail are intended for the named addressee only.

 

It contains information which may be confidential and which may also be privileged. Unless you are the named addressee (or authorised to receive for the addressee) you may not copy or use it, or disclose it to anyone else. If you received it in error please notify sender immediately and then destroy it.

 

 

 

 

 

entertaining agreed ???? you will notice numerous further breaches of the oft rules and regulations including an offer of reduced debt if i withdraw my complaint absolutely laughable.

 

i immediately responded with yet another email calling them out and using their scare tactics against them for a change email which is as follows

 

 

 

hi Michael thankyou for your quick response this is of great amazement to me as almost all contact i have made has been dismissed immediately.

 

although i have no idea who ''web loans processing'' are im guessing your a part of the tooth fairy finance, northern debt recovery, marshal hoares solicitors family.

 

your email seems sincere enough at first glance (to an uneducated person) but as read it myself i noticed yet another number of statements that once again break oft guidelines/rules and regulations, the main one being you say you are willing to reduce the outstanding debt IF i am willing to withdraw my complaint (this is a big no no tut tut) i cannot wait to update the oft with this one.

 

although i am great full of the information and links you have attached to the email id like to make clear im well aware of all procedures surrounding FOS and OFT when making complaints including response times and time periods in which they must be dealt with.

 

in your email you say you have removed my phone number from being contacted regarding collections yet within an hour of receiving your email i had a text message about a door visit and 4 calls all sent straight to my voicemail as i have blocked your number personally. once again breaching oft guidelines/rules/regulations. i urge you to pass the message on to your colleagues in the next office at TFF NDR and MHS to remove my contact details and respond to me via email/written form as their continuous harassment will only be logged and used in court if and when you do decide to take me.

 

you fail to acknowledge my notification of the removal of your right to a door visit, i once again reiterate my statement that your visits are unlawful as i have clearly stated i wish to resolve the matter via email or in writing, i state again any individual/s who attend my property will be asked to leave failure to do will result in my local police authority attending and removing the individual/s.

 

i have also received an email from NDR today in response to me requesting a copy of my original loan agreement that i electronically signed as well as proof of who actually owns the debt as i have been contacted by TFF and NDR in the last week regarding payment of the debt, this email stated only that a copy of my agreement has been sent out to me via post, so i ask you yourselves to once again send me proof of who actually owns the debt.

 

as for your offer of reducing the debt i will make it clear once again i am not willing to pay more than the original loan fee plus one months interest equating to £272 even if you do agree to this i will not be withdrawing my complaint although i will make clear to FOS and OFT that you were very helpful in resolving the issue once i had opened the dispute with you.

 

if however the dispute remains unresolved after the 8 week period i will not be waiting 6 months to continue with my complaint and i will begin legal proceedings myself against all bodies at TFF NDR MHS and WLP involved with all court costs and solicitors fees being reclaimed from said bodies.

 

i once again thankyou for your hasty response and wait in anticipation for your reply

 

yours

 

(edit)

 

 

i cannot wait for their reply but in the mean time i would like to see what you guys think of my approach, its just im not a tool and i will not be bullied by these mugs they have gotten away with it for far too long extorting monies from individuals who are desperate but do not know what they are entering into when dealing with these creeps.

 

ive been greatly inspired by your threads and offer great thanks for the information you have made available for us unfortunate individuals who have had to resort to these pay day loans/loan sharks

Edited by BRIGADIER2JCS
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If that is your real name in the post, please edit it out. It could have repercussions for you and this website.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Hi

 

Something else to complain to this outfit about is that you have made a formal complaint which they have acknowledged but have failed to provide you with a copy of their "Complaints Procedure".

Edited by citizenB

How to Upload Documents/Images on CAG - **INSTRUCTIONS CLICK HERE**

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I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

Please Donate button to the Consumer Action Group

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  • 2 weeks later...

just a quick update, after over a week of letting NDR stew over my emails ive had no calls, threatening texts or emails i even got a text off tooth fairy offering me a new loan as a loyalty bonus !!!!! hilarious !!!!

 

today i emailed them as im yet to receive any of the info i requested, proof of ownership or a copy of original credit agreement, so i made them an offer of £300 to close the file.

 

i cant be bothered waiting around and want this issue put to bed, you will notice the £300 is only £28 more than my original offer of £272 (loan fee plus one months interest) as the debt currently stands at over £700 i today with great shock i received an email accepting my offer after a further response from me i have an email from NDR stating £300 will be enough for the to completely close the file and that will be the end of it.

 

although its more than i wanted to pay im happy as i see it as a victory for the little man without having to deal with oft fos or the courts, basically my idle threats were enough to scare them, i have never contacted oft or my local police authority, i have simply used the advice available on this website to twist TFF NDR MHB game on its head.

 

id once again like to thank you all

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Please contact the OFT and make a full complaint outlining what you have done and what they have done. If you don't, then this "industry" will never get cleaned up.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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