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    • You're like, super helpful and unhelpful at the same time lol.   What do I search for, I searched form 4, and nothing, I searched claiming compensation and nothing about this.   I can't find the top squares logo.   Can you post a link or tell me what to search.   Sorry if I'm slow.
    • use our custom google search box  click our top squares logo it should appear on that page   dx
    • Apologies, I haven't used a forum for years!!   I defo wish to keep the 2 issues separate, sorry!   My only issue I need help with is the increased compo for marstons - if possible.   I don't know anything about claiming compo etc. (I only recently found out one of the NHS biggest costs are NDA payouts)   I don't know what form 4 is; so far, they've offered £250 and I haven't accepted or denied it.   So yeah, can you forward me to some more info?   Also, usually I'm good at google etc. but I can't find many stories on this stuff, regarding PCN/TFL etc.   Thanks again!
    • ok things are getting clearer...   I've merged 2 of your posts for clarity and removed the swearing, (behave please) I've also taken down the two images you posted should you wish to post things up please use PDF so we can zoom easily and don't forget to redect them read upload carefully.   I think you need to continue to keep the two thing sep. those being increased compo for marstons- if possible ( if you are raising a form 4? complaint through the court - it might be better you don't? - they are very hard to justify and can be costly - so the fact it might not be moving forward could be a good thing, but listen to others here too) and the issue of the PCN wasn't justified - which you need to further expand on please.   the more info you post up the better please but please use multipage PDF files only and carefully redact them    
    • Thanks for trying btw! It's kinda in 2 parts.   1 is that the PCN wasn't justified in the first place and I wasn't aware it had escalated. I received the initial fine from TFL which I challenged and heard nothing back from (for 5 months). Then another letter from a separate PCN which made me email TFL to inquire what was going on but again, heard nothing back.   (BTW I can see how confusing this is so thanks again for trying)   So, I had no idea my car was at the risk of being taken - that's the first part.   No 2. is:   I got a phone call saying my car was on the back of a truck round the corner from mine (they hadn't left any notices or anything, and the car was parked directly outside my house). My friend said they were attaching the straps and securing it to the van (so I think they got it on the back of the van and moved it before securing it).   When I ran round the corner I saw the EA's van. I went upto it and asked what was going on. He was rude and told me to go away. Then after I kept knocking he got out the van and was aggressive and refused to ID himself or tell me why he had my car.   He shouted at me, was rude and unprofessional, he then left with my car. I complained to Marstons and asked for the bodycam footage.   They gave me the footage but it was clearly edited and cut short (because in the beginning of the footage he was the most aggressive).   They then told me he wasn't required to have the camera turned on when he's in the van, only when he's 'actively pursuing a warrant' and I was only allowed the footage I was in. (which is 2 different things) So I asked them to clarify which is true.   Anyway, I reviewed the footage and sent in my complaint (talking about what happened in the footage) They replied and said they watched the footage and disagreed with everything I said.   So I wrote a more in depth response with the CIVEA code to reference + the TFL EA guide etc.    Then they asked for more time, called me and finally apologised and admitted he had acted untoward and was in the wrong.   They then offered me the goodwill payment.   This has taken up weeks of my time, caused me serious trauma and PTSD and even after I complained WITH video evidence, they still initially denied it which means they officially lied, on record, while representing TFL.   I told TFL what was happening they said I had to continue with Marstons etc.   £250 goodwill isn't enough, the car cost £800 to get out, the suspension is messed up and I'd like to claim compensation for everything.   I don't know if that makes me sound like i'm money grabbing or whatever but they shouldn't be allowed to get away with it.   The police had to come before they could call an ambulance cause I was having a panic attack and it was a HORRIBLE experience.    So any help would be great please    I have the whole file from Resolver in a ZIP file but it's a lot of writing and I think you've read enough of my writing to last a life time!   I did a statutory declaration of OOT, got it signed by the court etc. but it was rejected.   I then tried to take them to court but it cost £250 I think which I don't have. You can get it for free if your low income but they wanted bank statements that I couldn't get. They're waiting for me to reply with documents to get a free court date.    did you receive any of the pcn's - was that why you appealed? - Yes, sorry!   unless it's trying secure a greater level of compo from marstons? - Yes, sorry!   For the record I just saw this pop up, read it and now feel much less guilty about my enquiry!
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conchy_joe

Apex (don't want to be recorded)

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Hi, Does anyone know if it's a legal requirement to inform a company that you are calling that you are recording the conversation.

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No it isn't.

 

Unless of course you are doing it with the sole intent of goading them into an argument & exposing them on social media?

 

All of my calls are recorded and logged on Truecall, all of my friends & family are aware that I record my calls,

and if I email a company it clearly states that all my calls are recorded for my benefit.

 

If you are simply recording them for your own benefit, or to clear up some confusion then you don't no.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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I agree with BB. As it's your phone, so you do what you like.

 

 

I'm also like you BB, I record all my calls as well due to short term memory issues.

 

I have in the past though let the "person or Company" I'm talking too, aware that the call is recorded. I've not had any issues either when I revealed this.


I don't suffer from insanity, I enjoy every single minute of it!!

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I'm also like you BB, I record all my calls as well due to short term memory issues. .

 

Yes, TBI sufferer so no real short term memory anymore!

 

No need to say anything to the other caller, customer service should always be impeccable, if not you can transcribe the call and send it to their complaints dept.

 

Big companies and corporations should always expect they are being watched/recorded every time they interact with the public.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Thank you all for your advice...Sorry I took so log to get back to you.

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Sorry about the spelling..I didn't review it before iI sent it.

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From the 3 dec - 17 dec I received thirteen phone calls from a "coventry" number.

 

 

I answered the last call to find it was from a company called Apex.

 

 

They informed me that they were recording the call for "monitoring and training purposes",

when I told them that I was also recording the call they asked me why,

I said I recorded calls as a matter of routine.

 

 

The man I was speaking to said that he would have to speak to "someone" before he could continue and I was put on hold.

 

 

After a couple of minutes he returned and said that it was against the law to put a recorded call on the internet or reveal it to a third party,

I said that I had no intention of putting the call online but could see no reason why I could not speak to legal counsel regarding it.

 

 

Once again he said that he had to speak to someone and once again I was put on hold.

After a somewhat longer wait he came back and asked my why I would want to speak to an attorney,

I told him that it was my right to do so and added that I was a member of the CAG.

 

 

Once again I ended up on hold only to be told that they would contact me by letter.

 

 

Soon after I received a letter ( also enclosed was an information sheet from the FCA regarding arrears)

thanking me for my recent "correspondence" and that my payment plan was up for review

(this is regarding a major bank and has been in place for several years)

they enclosed a Financial Statement form.

 

 

I phoned them back and told them that I had recently received a letter from them saying I was behind in my payments (I wasn't)

and that I had given them a full budget over the phone already.

 

 

She said that as Apex had recently bought my debt it was a standard letter and form

that they were obliged by law to send.

 

 

They were supposed to call me today between 0800-1300 to get a financial update but have not done so,

I have letters from 2012 showing that Apex were handling the account.

 

 

I'm sorry that this is so long winded,

 

 

can anyone help me make sense as to what's going on.

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Sorry but I don't for a moment understand why you told them that you were recording them. It completely defeats the object.


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stop talking to these fleecers on the phone!!

 

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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What is the debt about?

 

CCA request may be good

No need to send them any financial statment either they get what you say not them


If i have helped in any way hit my star.

any advice given is based on experience and learnt from this site :-)

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I agree with others. WHy the hell are you talking to a well known fleecing DCA over the phone?


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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If they do telephone, then simply request they write to you - that you do not discuss your financial affairs on the telephone. If you already have a payment plan in place, agreed with the original creditor, then you have no reason to provide them with another budget form. Although to be fair, they are entitled to write to you at least once a year asking if you are able to increase your offer.

 

This actually works both ways, if you are struggling to maintain the original offer, then let them know (although they will want an updated budget sheet).


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 -

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3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

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Please Read

 

 

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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

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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 have refused to supply a budget sheet. I simply inform them that my income has not increased, thanks to their Tory pals and that due to my individual rate of inflation has increased due to an increase in utility bills, more Tory mates, so must reduce the amount. Has worked so far.

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I have refused to supply a budget sheet. I simply inform them that my income has not increased, thanks to their Tory pals and that due to my individual rate of inflation has increased due to an increase in utility bills, more Tory mates, so must reduce the amount. Has worked so far.

 

 

:)


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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Thanks to you all for your advice, you're quite right Bankfodder it was a dumb move on my side, but I forgot to look up a previous thread of mine regarding the legality of recording calls. in retrospect I think they rang me to try and pressure me for an increased payment. Once again thanks to you all.

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Can only pressure you if you give them a chance to.


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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Ruddy chancers, ignore them.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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