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    • Monika the first four pages of the Private parking section have at least 12 of our members who have also been caught out on this scam site. That's around one quarter of all our current complaints. Usually we might expect two current complaints for the same park within 4 pages.  So you are in good company and have done well in appealing to McDonalds in an effort to resolve the matter without having  paid such a bunch of rogues. Most people blindly pay up. Met . Starbucks and McDonalds  are well aware of the situation and seem unwilling to make it easier for motorists to avoid getting caught. For instance, instead of photographing you, if they were honest and wanted you  to continue using their services again, they would have said "Excuse me but if you are going to go to Mc donalds from here, it will cost you £100." But no they kett quiet and are now pursuing you for probably a lot more than £100 now. They also know thst  they cannot charge anything over the amount stated on the car park signs. Their claims for £160 or £170 are unlawful yet so many pay that to avoid going to Court. When the truth is that Met are unlikely to take them to Court since they know they will lose. The PCNs are issued on airport land which is covered by Byelaws so only the driver can be pursued, not the keeper. But they keep writing to you as they do not know who was driving unless you gave it away when you appealed. Even if they know you were driving they should still lose in Court for several reasons. The reason we ask you to fill out our questionnaire is to help you if MET do decide to take you to Court in the end. Each member who visited the park may well have different experiences while there which can help when filling out a Witness statement [we will help you with that if it comes to it.] if you have thrown away the original PCN  and other paperwork you obviously haven't got a jerbil or a guinea pig as their paper makes great litter boxes for them.🙂 You can send an SAR to them to get all the information Met have on you to date. Though if you have been to several sites already, you may have done that by now. In the meantime, you will be being bombarded by illiterate debt collectors and sixth rate solicitors all threatening you with ever increasing amounts as well as being hung drawn and quartered. Their letters can all be safely ignored. On the odd chance that you may get a Letter of Claim from them just come back to us and we will get you to send a snotty letter back to them so that they know you are not happy, don't care a fig for their threats and will see them off in Court if they finally have the guts to carry on. If you do have the original PCN could you please post it up, carefully removing your name. address and car registration number but including dates and times. If not just click on the SAR to take you to the form to send to Met.
    • In order for us to help you we require the following information:- [if there are more than one defendant listed - tell us] 1 defendant   Which Court have you received the claim from ? County Court Business Centre, Northampton   Name of the Claimant ? LC Asset 2 S.A R.L   Date of issue – . 28/04/23   Particulars of Claim   What is the claim for –    (1) The Claimant ('C') claims the whole of the outstanding balance due and payable under an agreement referenced xxxxxxxxxxxxxxxx and opened effective from xx/xx/2017. The agreement is regulated by the Consumer Credit Act 1974 ('CCA'), was signed by the Defendant ('D') and from which credit was extended to D.   (2) D failed to comply with a Default Notice served pursuant to s87 (1) CCA and by xx/xx/2022 a default was recorded.   (3) As at xx/xx/2022 the Defendant owed MBNA LTD the sum of 12,xxx.xx. By an agreement in writing the benefit of the debt has been legally assigned to C effective xx/xx/2022 and made regular upon C serving a Notice of Assignment upon D shortly thereafter.   (4) And C claims- 1. 12,xxx.xx 2. Interest pursuant to Section 69 County Courts Act 1984 at a rate of 8% per annum from xx/01/2023 to xx/04/2023 of 2xx.xx and thereafter at a daily rate of 2.52 to date of judgement or sooner payment. Date xx/xx/2023   What is the total value of the claim? 12k   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No   Did you inform the claimant of your change of address? N/A Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card   When did you enter into the original agreement before or after April 2007 ? After   Do you recall how you entered into the agreement...On line /In branch/By post ? Online   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes, but amount differs slightly   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. DP issued claim   Were you aware the account had been assigned – did you receive a Notice of Assignment? Not that I recall...   Did you receive a Default Notice from the original creditor? Not that I recall...   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Yes   Why did you cease payments? Loss of employment main cause   What was the date of your last payment? Early 2021   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No   -----------------------------------
    • Hello CAG Team, I'm adding the contents of the claim to this thread, but wanted to open the thread with an urgent question: Do I have to supply a WS for a claim with a court date that states " at the hearing the court will consider allocation and, time permitting, give an early neutral evaluation of the case" ? letter is an N24 General Form of Judgement or Order, if so, then I've messed up again. Court date 25 May 2024 The letter from court does not state (like the other claims I have) that I must provide WS within 28 days.. BUT I have recently received a WS from Link for it! making me think I do need to!??
    • Massive issues from Scottish Power I wonder if someone could advise next steps. Tennant moved out I changed the electric into my name I was out the country at the time so I hadn't been to the flat. During sign up process they tried to hijack my gas supply as well which I made it clear I didn't want duel fuel from them but they still went ahead with it. Phoned them up again. a few days later telling them to make sure they stopped it but they said too late ? had to get my current supplier to cancel it. Paid £50 online to ensure there was money covering standing charges etc eventually got to the flat no power. Phoned Scottish Power 40 minutes to get through they state I have a pay as you go meter and that they had set me up on a credit account so they need to send an engineer out which they will pass my details onto. Phone called from engineer asking questions , found out the float is vacant so not an emergency so I have to speak to Scottish Power again. Spoke with the original person from Scottish Power who admitted a mistake (I had told her it was vacant) and now states that it will take 4 weeks to get an appointment but if I want to raise a complaint they will contact me in 48 hours and it will be looked at quicker. Raised a complaint , complaints emailed me within 24 hours to say it will take 7 days till he speaks with me. All I want is power in the property would I be better switching over to EON who supply the gas surely they could sort it out quicker? One thing is for sure I will never bother with Scottish Power ever again.    
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Recording phone call, formula


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Hello, this call is being recorded.

 

If you think about terminating this call, let me do the talking first and then you can choose what to do. Without saying the word, if you choose to.

 

If you will want to terminate this call anyway. I would like to speak to a manager.

 

Regulation of Investigatory Powers Act 2000, does not prohibit individuals from

recording their own calls as long as the recording is for their own use.

What is your legal ground on rejecting a call?

By not answering to that question or ending a call I will understand that you haven't

any legal ground for doing so and this is your personal choice.

Against that I will lodge a compaint.

 

Thank you, I have said it all now. You can transfer my call to manager now or we can start dealing.

 

 

I didn't know where exactly to share that. So i thought I'll place it in the forum relevant to the situation that made me to write it.

 

2 ladies from consumer complaint service hunged up on me saying they won't talk to me if I won't switch off recording (yes I tell everyone at the beginning).

So instead of changing my ways, I did that. I won't be saying witch mobile provider it was as I finished dealing with them now but wanted to share if someone is in the same shoes as me.

 

It's open for edits as it was done in some 30 min.

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No need for all that. You can just say the call is being recorded. Same as businesses do.

 

Who is calling you? A dca?

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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On a personal level, of course they are entitled to refuse to be recorded. However, I can scarcely imagine that they are carrying out their company policy.

 

On your own level, you are wrong to give a warning. There is no legal requirement for you to do so and of course it will undermine the value of recording the conversation if you you tell them in advance.

 

Of course, you have the personal choice as to whether or not to let them know that you are recording the conversation but you will undermine your progress in any complaint if you do tell them. It's up to you.

 

Finally, it's a shame that you won't tell us which company this is. It would be helpful to everyone involved in this forum to share this kind of information.

 

If I were you I would make a complaint to the company that their customer service department is not prepared to do its job simply because they know that you are recording the conversation in exactly the same way that they are.

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Indeed I was reading the warning /advice on the forum to record but it doesn't say why someone should regret not recording.

Is it because you can go back and listen to conversation, use it in courts? Second isn't after all clear atvall.

Now I can't honestly understand why it should undermine the value of recording?

 

I'm recording automatically my CS conversations for ages now but changed a tactic to increase a chance to make it admissible. And today I only remember that there were cases that the value of recording was undermined by secrecy of deed.

 

Also there is a factor of CS telling less bs on the phone for example during customer retention if they know what is going on. So the value of informing other part about it might also be time saving, as instead of chasing misleading contract you won't get one in the first place.

 

As for why I'm not giving company name, it is to keep anonymous. Name will surface or surfaced different time, different place.

Edited by face-t
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Businesses have to inform customers that they are recording the call for the simple fact is that the call may be shared with others. This is not the case with personal calls.

 

By not stating that you are recording the call, you cannot share the call with anybody else however, you can make a written transcript of the call and publish that so long as you remove identifying information. For example, you record a call with Sarah. When you transcribe it, change Sarah to CS Rep.

 

In a court case, you can provide the transcript and the judge can order the release of the recording.

 

So, after my waffle, you don't have to tell them.

 

I had a similar issue a few months back. I had a meeting with a company rep and I asked him if he minded my recording the meeting and showed him my phone. He said no but what he didn't know was that I also had a spy gadget, a recording USB stick. I also have a camera pen and I tried it out with my hospital consultant, He had no idea I was recording.

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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He said no
Did he say "no" to do "do you mind" or "can I record"?

simple fact is that the call may be shared with others
but it doesn't really translate do the same rights to us customers. Doesn't it? Which I think is co incredibly ridiculous!

 

Yes there are situations , where I would not announce I record. Hospital would be one of them or where dependency on service would be to high and I couldn't afford time delay.

 

But generally information at the beginning of conversation could just put off all this aggressive salesmen and them bs technique offering something they can't provide.

 

To answer one of the first questions: as I mentioned, before I said above formula, I was disconnected twice by customer service so I made them offer if they don't want to talk again, transfer me to manager. Simple. This way I can find out is it company policy or way of avoiding personal responsibility.

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… And incidentally if you really want to insist on recording then quite frankly the involved and complicated "formula" that you have come up with is calculated to put people on edge, to make them wary, to make them suspicious of you as well as taking up a load of everybody's time.

 

If you really want to let people know then a simple "by the way, just to let you know that I'm recording this call" is more than adequate. But frankly you shouldn't. It's really just a waste

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if you recod the conversation of interaction with a company that uses call recording themselves, even if only occasionally, it is called a level playing field and becomes admissible as evidence. You dont have to tell them that you are recording.

I would think that if more people did it then the higher tier customer services at places like BG and BT would improve dramatically as they would ahve to explain themselves to a court more often. Their smothering of anything that shows their incompetence in the prime consideration at present.

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I can add to this thread how it happened.

 

Since I have had all the conversations with company

[when I said I record and when I didn't say]

 

 

I called them to make amendments,

but this time I was mentioning that it's being recorded.

I fact there was no promises that they will call but forgot about it,

 

 

they called me with new deal proposal when I didn't ask,

finally I had this feeling they didn't want it to go to court,

which I have promised based not only on failed service

but also on really outrageous calls that that I was having in the meantime

 

 

- being also close to [misleading-and-aggressive-selling-rights-consumer-protection-amendment-regulations-2014-guidance].

 

So I think that saying warning at the beginning of a call is part of a strategy one wants to apply.

 

For the software/hardware bit.

Backing up is usually a little pain.

 

I have an Android phone that uses ACR for recording

[it's starts automatically, but can be set not to record calls form certain numbers

- for example from certain Phone Book entries]

it registers the date, time, and number of call in file name

so it's simple to find one later.

Also version I use is free [or was when I got it first time].

 

 

Then If you have laptop, PC, RaspberryPi at home you can install SyncMe Wireless on the phone

[also free]

to transfer automatically recorded files across wireless network and choose to leave original on the handset or not. Same way you can back it up to more then one location on the home network.

 

 

It would be a good idea to have it all encrypted as phone calls include your most sensitive data and voice samples!

 

 

The simplest way would be to have it encrypted within a system you use.

So BitLocker on Windows or native encryption on some Linux distributions [Mint for example].

Otherwise VeraCrypt [free even for companies] can be used.

 

Unfortunate most people will not know how solid grounds for any court case will they have

- even having every single call.

 

 

Or will they be able to beat the opposition, or how much is the cost and how much is the maximum

[in case if it drags?],

or will they get return of the cost if they win.

 

 

There is plenty going through a head of ordinary citizen,

even if they've managed to get recorder.

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:crazy::noidea:

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Probably simpler to just name the Mobile Service you are having problems with face-t .....and remove all the cloak and dagger and smoke and mirrors approach.

 

Andy

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I'm not sure what the point of this thread is?

 

Record your calls, don't record your calls, sounds very FMOTL to me???

 

It seems to me the OP wants to make a simple process (or simple problem) very complex.

 

Perhaps they could clarify, in one clear sentence, what problem they want help with fixing, or what point they want to make?.

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There is no simple problems, otherwise we wouldn't need bunch of lawyers or consumer forums for that matter. We all have different approach as we live different lives.

Therefore I don't give simple answers [apart from soft/hard configuration - this is straightforward]

I prefer open approach; as I indicated in first post it is for someone in my shoes. If someone is happy with my approach can use it as it - most likely - didn't cost me as much time as going to court [plus all the other downsides for average Joe].

 

 

If anyone have any questions in that mater, there is always space and time to elaborate.

 

! addendum: to send encrypted files from computer to one of the popular cloud storages one can use open source Cryptomator [Linux, Windows, iOS]. This way files locally will stay unencrypted but in cloud/internet/server they will be unrecognisable. :violin:

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Perhaps they could clarify, in one clear sentence, what problem they want help with fixing, or what point they want to make?.

 

 

There is no simple problems, otherwise we wouldn't need bunch of lawyers or consumer forums for that matter. We all have different approach as we live different lives.

Therefore I don't give simple answers [apart from soft/hard configuration - this is straightforward]

I prefer open approach; as I indicated in first post it is for someone in my shoes. If someone is happy with my approach can use it as it - most likely - didn't cost me as much time as going to court [plus all the other downsides for average Joe].

 

 

If anyone have any questions in that mater, there is always space and time to elaborate.

 

! addendum: to send encrypted files from computer to one of the popular cloud storages one can use open source Cryptomator [Linux, Windows, iOS]. This way files locally will stay unencrypted but in cloud/internet/server they will be unrecognisable. :violin:

 

So, as far as "one clear sentence" : it appears the answer is "no"

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I'm still at a loss as to what this thread is all about?

 

Are you saying that when this cloak & dagger firm ring you, that you record the call for your own records, should any issues arise at a later date, and IF issues do arise, you can tell them it was recorded, OR, prior to any conversation taking place, you read verbatim:

Hello, this call is being recorded.

 

If you think about terminating this call, let me do the talking first and then you can choose what to do. Without saying the word, if you choose to.

 

If you will want to terminate this call anyway. I would like to speak to a manager.

 

Regulation of Investigatory Powers Act 2000, does not prohibit individuals from

recording their own calls as long as the recording is for their own use.

What is your legal ground on rejecting a call?

By not answering to that question or ending a call I will understand that you haven't

any legal ground for doing so and this is your personal choice.

Against that I will lodge a compaint.

 

Thank you, I have said it all now. You can transfer my call to manager now or we can start dealing.

??????

Or is there something I'm missing?

 

The above isn't required, and is self defeating, you can, AND SHOULD, record your calls routinely.

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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