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    • Why can't you prove the debts were fraud? You can simply do the by a cca request and an sar.   If the debts that are fraud were wiped does this remove the judgement s?   Dx
    • So what about something along the lines of......   1. Since the last hearing datated xxxxx I have discovered that I have in fact held two agreements with Capital One credit cards in the past.One branded Luma account number xxxxxx which was issued in 2012 and a Capital One credit card account number xxxxxxx which was issued 2015 and is currently being serviced by  Arrow Global.Therefore the disclosed Capital One credit agreement presented in this claim cannot possibly be true or connected to the Luma branded card that this claim relies upon.   Its a risk but if accepted by the Judge then that proves the one being used here cant possibly be valid ?
    • said in their letter - i have only emailed in response to their letters, and, as i said, nothing in the last five years.  Barclays is shown as the owner on the TransUnion credit file, and it doesn't show on Experian/Equifax.  Is it worth contacting barclays - e.g. if the account isn't statute barred, is it likely that this might ramp up collection activity, or do i just sit it out in respect of my credit file?
    • They said? not been talking on the phone have you? dont do that. Writing only they are powerless. who is shown as their client on their letters or the owner on your credit file.   if its still with Barclays...your complaint target is Barclays themselves
    • Dear all,   I have got myself into a total mess with debt and now I can see no way out. I have substantial debts which I’ll summarise below   . Potted history , I had debt that I was servicing including a historical CCJ. The CCJ was paid off in July 2019 and the six years ended in Jan 2020.   Stupidly I consolidated debts around May 2019 into one large loan which left a credit card and store card. The interest was high but I’d planned to take a new loan once my CCJ disappeared.   Against all of this I was in an abusive relationship that I was getting out of. I managed to break up in Sept and things looked good.   Then I noticed some strange activity in post I was receiving etc. Essentially my ex, a NZ citizen had taken out loans and a card in my name.   Long story and stupidity on my part I could not enforce anything as I went to solicitor etc and only option was case through NZ system which would be costly.   I then got another new CCJ by Shoosmiths who my first CCJ was from, it was almost like the waited until first ran out then slapped another. I challenged and lost and the CCJ was enforced.   my salary is good (circa £4000) each month. But I’ve just been in a cycle of decline borrowing more to pay debts and then more etc etc   . I’m now in situation where I’m paying the CCJ and my bank overdraft and my bank credit card. I’ve stopped paying the others as had taken advice and was trying to get an IVA or if that failed bankruptcy.   Whilst doing all the checks and gathering information I’ve found out that an IVA or bankruptcy will be classed as gross misconduct and render me dismissed from my job. I work in the NHS and this is stated in the contract   . I really do not know where to turn to or what to do and can see no way out.   Please, please if anyone has had similar or can give any advice I’d be massively appreciative.   Debts include (amounts are approximate):   Personal loan - £7k Personal loan - £3k credit card - £3.5k credit card - £1.2k credit card - £2k Store Card- £2.3k payday loan - £0.5k Payday loan - £1k CCJ- £13.5k   I even fear now that if my employer finds out I have a CCJ I will get sacked as it states something like “...bankruptcies and any arrangements to pay creditors may result in dismissal.”   
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Kamalamrani

The absolute nightmare and shambles that is BT

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I've only been with BT since the 26th June and they have literally made a mess of absolutely everything!

 

First their system failed to process my original online order. This only came to light when my equipment didn't arrive and phone to inquire. As a result my order was delayed by 2 days.

 

They re-processed my order incorrectly, completely different package than I had ordered. Not sure why but I received the equipment three times!!

 

They changed my phone number (which I've had for 23 years) despite me asking them not to, they promised to reinstate it. This promised on the 26th and I was told it would take 24 hours. Till this day it's not be reinstated! Each time I call them they say it will be done within 3 days, it never does.

 

My BT Sport doesn't work, I was told their is an issue with my TV account and it will get fixed and someone contact me. They never have, I have spent so much time chasing up the phone number issue I have no energy to also chase this up!

 

When they re-processed my, because they ballsed up the original, they picked a completely different package to the one I asked for so now I am being charged for phone calls i make despite me choosing to have Unlimited Anytime Calls.

 

I'm also now ineligible for the Sainsbury's gift card as I didn't place my order online! Yes I did, but they had to re-process it so it's down as not being order online. Again I can't even be bothered to kick up a fuss as I just want them to return my number and charge me correctly.

 

What makes this whole thing even worse is their appalling customer service. I understand things go wrong but at least make an effort to deal with the issues! On numerous occasions I have been promised a call back and nothing! :-x:-x

 

Any advice on how to escalate a complaint? To be honest I'm not after any compensation or reimbursement, I just want the services I signed up to and am paying for! Is that too much to ask from BT?:|

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Hi

While this may not elicit a response, you could try the CEO

 

gavin.e.patterson@bt.com


If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Thanks Sliverfox.

 

What will the consequences be if I sent BT a notice that I will not pay my bill until they have resolved all the outstanding issues? I currently have £30 of incorrect charges on my bill and BT say they cannot void those until the issue with my landline has been sorted, which looks like it will take a while! I'm thinking if i withhold payment they might sort themselves out and fix the issues i have.

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I can't be absolutely certain but I think that BT don't file entries on your credit file but it would be worth checking the terms and conditions to ensure they don't.

 

You are well within your rights to withhold the incorrect charges but as for other charges (line rental etc.) I feel you should pay them 'under duress' and make sure they know it.

 

Others will disagree, as is the nature of forums. Any decision you make should be on an informed basis.


If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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