BAYV problems

[dolly51]

I too am having horrendous problems with BAYV

even though I have pointed out discrepancies that they SAY are in their T&C's but really aren't.

 

They won't listen to me

they won't reply to me and are refusing to send information about my account that they are legally obliged to do.

 

I am trying to put together a compliant for the OMBUDSMAN

but am finding it difficult because these losers won't play ball.

[EDIT]

 

The only way they'll respond to me is if I don't pay.

 

They'll soon respond.

 

Desperatemeasures I know but it's my only choice

[dx100uk]

own thread created

 

please do not tamper with the equipment

 

what is your issue please

 

dx

[dolly51]

Where do I start?

 

They claimed on a direct debit that I had instructed them to cancel because they delivered some furniture that was damaged then taken back but still charged me for.

 

The DD was set up on the same day as they took the payment so I didnt have chance to cancel it with the bank.

 

Now I have asked them to refund all All Sorted Insurance and EPS insurance that they say I signed for but didn't ask for or know about

and won't give me back without seeing my insurance policy which they say I HAVE to provide as it says so in the contract which it doesn't.

 

Now I've asked them to send me details of all my payments as I'm trying to claim all my insurance back

but they won't and so it goes on and so it goes on.

 

I have sent TWENTY emails to them trying to sort this out,

the area manager said I am just one of thousands of customers and what is my problem

even though I've been promised a furniture delivery FOUR times that was either damaged, wrong or just didnt turn up.

 

Then they sent a collector round out of payment schedule who took money out of my meter

even though I had a babysitter minding the children and I,

 

the account holder wasn't home.

 

Oh god, it just goes on and on.

 

ll I want is my insurances back.

Edited February 21, 2013 by dolly51
grammatical errors

[dx100uk]

have you sent them a formal SAR request.?

 

dx

[dolly51]

I haven't asked for that specifically but I've VERY CLEARLY asked for details of all payments made for each item including meter yields dates etc so there is no doubt what I want.

 

The advisor just kept saying 'our position has not changed, you have to supply a copy of your household insurance policy before we can refund any insurance premiums paid,

as per the terms and conditions of your policy'

 

NOWHERE in the policy does it state that I have to do this,

NOWHERE,

 

so she's a liar.

 

Also, both the insurances are OPTIONAL!!!!

[dx100uk]

then you need to SAR them if you need all the statements.

 

it is a legal request

and they can be taken to court should they fail to comply.

 

now

we are well aware of the T&C's and home insurance issues

have a read of a few posts here on reclaiming.

 

there is NO requirement under the HP rules to have ANY insurance

 

their T&C are not the law.

 

dx

[dolly51]

I'll try that then thanks, [edit]

 

Also, I'm going to work out roughly how much they owe me in missold insurance and reduce it from my collection next week

which I CAN do because there's too much in the box anyway.

 

So I'll just pay what I owe minus what they owe me,

 

what do you think?

[dx100uk]

as already stated i would not recommend doing that

 

do it properly by the correct method - reclaiming.

 

else you'll leave yourself wide open.

 

dx

[dolly51]

I hear what you're saying and I've just emailed them again for the 21st time demanding information under SAR arrangements

but I am not expecting anything but a bullyboy at my home.

 

[edit]

 

to hell with what I've paid, I can't stand them anymore

[dx100uk]

CAG cannot be seen to condone tampering with these devices

 

posts edited.

 

pleae read the rules

 

dx

[dx100uk]

an SAR must be by post & include the statutory £10 fee.

 

dx

[dolly51]

I take your point, sorry!! Why are they allowed to get away with treating people in this way though. How dare they think they can do this?? I'm so frustrated but you're right. Doing it the proper way will upset them more than underhand tactics.

[dolly51]

Thanks, I'm a bit rubbish at this, but keen to learn xx

[dx100uk]

no problem

 

slowly slowly

catchy monkey

 

dx

[dolly51]

MONKEY??

bloomin' great gorilla haha xx

[dx100uk]

just remember

they are NOT BAILIFFS

they have no legal powers to do anything.

 

dx

[BAYV]

Dear dolly51,

 

I can confirm that we have refunded your All Sorted cover as per your request and as advised, we will certainly be happy to refund your EPS cover and backdate these payments once you are able to provide a copy of your Household Insurance policy.

 

We will certainly be able to respond to your SAR request if you would please send a £10.00 cheque to the below address marked for the attention of Elaine Mockler, Customer Experience Director and we will respond within a maximum of the 14 day guideline.

 

Kind Regards

 

BAYV

 

 

 

 

 

Kingsway Buildings

Kingsway

Bridgend Industrial Estate

Bridgend

CF31 3RY

[selique1]

Everyone, Please take a few minute ro read my response to these threads.

 

I would absolutley NOT damage the Meter Box as this is their property at all times and they can get you convicted of criminal damage if you do so.

 

If their staff's behaviour is what you say it is this is not right and entering a premises without the permission of the owner could in itself be a legal issue

they have breached dependant on how old the person was who was in the property at the time.

 

Write another letter asking them politley to cancel the optional insurances and send it reorded delivery and with a copy to thier Chairman Mr Adrian Hill & Trading Standards.

 

Mr Hill will not want this to tarnish his so called intact professional image or want to be dragged into this sort of operational situation

 

the more people that write to him now the better for everyone as he currently doesnt know the full extent of what is going on in the business.

 

He needs to be made aware of these situations and im sure he would see they require some immediate attention.

 

When CAG say they are not Bailiffs this is very true but the minute you allow them into the home they do have power to remove goods

if you are in breach of your contract with regard to payments and if they have issued a default notice that has had the sufficient time to cool off.

 

You need to be more direct with these now and in particular with Mr Adrian Hill.

 

Dont deal with anyone else as they will simply spin the situation to suit themselves and are intimidated by the BIG bosses who shout the odds.

 

The staff are being bullied into working rediculous hours due to the continuing under performance of the business,

one young chap was telling me their using trackers in the cars to check the hours they work and if they are not still out at 8pm they will possibly lose thier jobs,

 

also he has to count from his home to his first call and his last call to home as Private miles when in fact he is going to work and then home again.

 

The company are very very bad at handling customers and it also appears they treat staff the same way which will only mean one thing,

the business will have a very short life.

 

Everyone, Write to Mr ADRIAN HILL and if he doesnt respond favourably go to the next level,

 

the owners who are VC in London.

 

Good Luck but dont damage thier property and remain calm even with thier bullies.

[dx100uk]

sorry, but they DO NOT have powers to remove goods

even if you are behind

with or without a Default notice

with or without your permission.

 

they can ASK you to sign something to allow them to take them

 

you do not have to comply.

 

you ask them to leave.

 

ONLY a court BAILIFF can seize goods

on/in private property

 

dx

[selique1]

I would have to agree they will ask you to sign what is called a disclaimer but let face you are behind and in breach of the contract and the customer isnt always right,

 

if they have done everythinhg in the correct way then they can take the goods back.

 

On the other hand if you are encouraging this claim that they cant take anything back to get the situation resolved to a mutual satisfaction

you run the risk of getting many hundreds of pounds in additional legal costs added to the debt when the debt is sold on by the debt purchaser

and you can see that Lowell Group are having quite a bit of activity at present on this forum.

 

Just asking them to leave is a very curt way of saying Im not prepared to try and resolve this matter?

 

surely the best advice & the way forward is to talk about it?

 

Any way we digress from the point.

 

Its good to note that the matter is already partly resolved from the response above from BAYV

 

but in my view they should still write to the Chairman as he needs to be aware of what happens in his business.

[dx100uk]

no legal costs would be nor can be added at ALL by any debt buyer

UNTIL they get you into court.

 

it is worthy to note that none of the usual players in debt buying nor lititgation

touch these companies with a barge pole - i wonder why?

 

both have been around for years, so plenty of opportunity for it have happened by now.

 

as for letting the reps in in the first place

 

like DCA's dont

 

poss owing money and letting anyone in your home on this 'questionable' debt,

or even discussing debt owed at your door is well covered by the relevent guidelines

 

having these people like DCA's turning up at your door uninvited is not on.

 

there are too many door knockers these days that claim to be or portraying themselves as having

BAILIFF powers when they do NOT.

 

dx

[selique1]

Dear dx100UK

some of your comments are wrong here,

 

I am not being difficult but like you I have been around for many many years and know this area in expert form.

 

When a debt id being prepared for court numerous charges can be applied and this in itself is a business !!

 

imagine £250 being added to every account bought its a significant amount and it is happening today legaly,

 

I am happy to let you have the OFT material if you wish?

 

AKTIV KAPITAL, Intrum Justicia, Compello, Lowell Group, Mckenxie Hall are just a few buyers who are now and have been for many years very active in this sector of buying debt.

 

How can the debt be questionable when thier backed by asset that are in the home?

this debt is a secured debt on the Asset?

and as for DCA's BAYV / Brighthouse / perfect Home / Family Vision/ homebuy etc all employ thier own collectors

and these are not DCA's knocking on the doors.

 

most of them have appointments and as with BAYV in this case they have meters that require emtying?

 

all agreed and signed for at the point of sale.

 

I dont know anything about knockers proclaiming to be bailiffs so cant comment.

[dx100uk]

spoof charges can be be applied to any debt, if they are lawful and/or not a PENALTY charge is another matter.

 

thus the true level of the debt is questionable.

 

whether doorsteppers are inhouse staff or DCA or an external DCA they still are NOT BAILIFFS and have

NO SUCH LEGAL POWERS regardless to wherever the 'items' might be.

 

letting someone in to empty a coinbox does not thus give them any rights to demand money, seize goods or pressure the debtor

in any way shape or form.

 

dx

[citizenB]

I hear what you're saying and I've just emailed them again for the 21st time demanding information under SAR arrangements

but I am not expecting anything but a bullyboy at my home.

 

[edit]

 

to hell with what I've paid, I can't stand them anymore

 

You need to send your SAR request via post and include either a £10.00 postal order or cheque. They wont respond to a Subject Access Request made by email.

 

You need to send it to their Head office/Registered office - Marked for the attenion of the Data Controller.

 

suggest you send by either Recorded or Special Delivery. They have 40 calendar days to comply

 

There is a draft request in the CAG library. You should specifically mention anything not already in the draft request - but the request should actually cover ALL data in respect of your financial dealings with the company.

 

HTH

[sefton5153]

I reply on behalf of Dolly51. She is still waiting for confirmation of the amount that has been refunded as requested.

 

Following advice from Trading Standards,

I too have looked at the contract with you and NOWHERE does it ask for sight of an insurance document.

 

CAG are correct, insurance IS NOT COMPULSORY so it appears to have KNOWINGLY been missold, or not sold at all as this was not explained nor requested nor made clear.

 

Therefore the 8 week amount due to be collected today will be reduced by the premiums charged for EPS and ALL SORTED by deception without explanation or need.

 

You WILL NOT remove goods without a court order and you WILL NOT harrass the customer for what you deem to be 'arrears'.

 

The weekly premium MINUS EPS AND ALL SORTED will be paid according to the contract

 

however, the £75.00 arrangement fee that was also applied to the contract, and only just discovered and subject ti interest,

again without explanation or permission, will need to be refunded against the account as well.

 

This needs to be proven in writing.

 

This information has been requested via SAR and must be responded to within the statutory timescale BY LAW.