Jump to content
  • Tweets

  • Posts

    • what time do you have to go in today? I am wondering whether it might not be a good idea to go in with the letter of claim and if there is any mucking around them to hand it to them.   We would have to draft something appropriate.   in any event I think you should prepare an sar and take it with you and hand it to them make sure that they realise what it is. Hand it to a senior manager.   Use our sar template here.   I think that they are starting to lead you around by the nose and I think that you should take control and make sure that they realise but there is only a short time before it goes legal. A letter of claim would be the best thing to do in addition to the sar     
    • The bank is yet to say if it will shed more jobs beyond the 35,000 it flagged earlier this year. View the full article
    • The bank is yet to say if it will shed more jobs beyond the 35,000 it flagged earlier this year. View the full article
    • go back and read what andyorch said in my above links about a DEED of assignment NOT being a Notice Of Assignment. its a general document for a portfolio of MANY debts they bought on a spreadsheet, NOT specifically relating to YOUR Agreement. but your was like all others, a single line in a spreadsheet.    the sheriff has specifically asked for the NOA and the Default Notice ...neither of which the fleecers have provided, merly a load of ole twaddle like trump does to divert attention away from those NOT being provided.   forget the stuff about LOP 1925 etc that a NOE is NOT applicable in scotland , the sheriff has asked for it..end of!!   bedtime reading particularly regarding default notice sec 87 https://www.consumeractiongroup.co.uk/forum/showthread.php?484300-Cabot-nolans-SPC-Claim-Old-Next-CAT-Debt(2-Viewing)-nbsp&p=5119630#post5119630   read from about post 70.   as for the written submission. i'll find an example later.   dx      
  • Our picks

    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
      • 49 replies
    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
        • Thanks
      • 3 replies
    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
        • Thanks
        • Like

Unknown Calls from Abroad


Recommended Posts

I have often had spates of unknown calls on my landline which I know are spoof numbers and there is little point in blocking them because without shelling out, there is a 30 number block limit on my phone contract and they never use the same number twice.

 

But recently, I started getting 'two ring' calls from mobile numbers in Germany. I actually have a small number of contacts in Germany but it wasn't them and when they were briefly visiting me, there were a few calls whilst they were here and because they could call German mobile numbers without paying for the call, they called all the numbers that I had had from German mobiles; without fail, they all rang twice then the line went dead.

 

I haven't had a call from Germany for maybe six weeks and then a few days ago, I started getting calls from different numbers in Cuba, of all places. I don't know anybody in Cuba and Google did not have anything on the numbers.

 

Before anybody feels the need to warn me that this is probably a scam, I know. I'm not in the slightest tempted to phone them back. I'm only curious to know what the payoff is and why Germany and Cuba.

Link to post
Share on other sites

i use 00* that block all international calls

 

but yes the german and the cuba stuff are the usual scams too

use the https://whocallsme.com/ site 

 

 

 

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... 

 

 

Link to post
Share on other sites
19 hours ago, dx100uk said:

i use 00* that block all international calls

 

 

 

 

 

Can I ask which service provider or telephone hand set you use that's allows you to use 00* to block all international calls ?

 

Ofcom advice

 

https://tinyurl.com/y577dlb8

 

Some examples of call blocking phones

 

https://tinyurl.com/yyaxsgd4

 

,

Edited by 45002
URL as ever

Please use the quote system, So everyone will know what your referring too, thank you ...

 

 

Link to post
Share on other sites

I should have added the above links are for  landlines and mobiles there are plenty of free and paid for apps android and iphones to block calls.

Edited by 45002

Please use the quote system, So everyone will know what your referring too, thank you ...

 

 

Link to post
Share on other sites

yea old truecall box.

but many phones now have truecall software or akin within.

 

neighbour has a panasonic set too that has call blocking and 00* works on those too.

 

 

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... 

 

 

Link to post
Share on other sites

The problem is nuisance/ spoof calls could be coming from the UK or anywhere around the world ?

 

They are tricking caller display into showing number from "Example" 0161 123 4567" Manchester number, but the call can ordinate from the other side of the world. 

 

BT and Ofcom are aware of this problem, but they are  not having much success in finding a solution as most these calls come from overseas and are outside the EU.

 

Another trick these scammers are using is, they have software set up on a computer that would dial every phone number Possible.

 

A computer with dial the code "Example" 0121 200 then dialling every number range from 0001 to 9999, then every time some answer call a operator is alerted, this is how scammers are even getting through to ex directory number.

 

Same with mobiles, a computer with dial the code "Example" 07661 then dialling every number range from 500000 to 599999.

 

Scammers are also using VOIP to make All these calls for very little cost to them or even free.

 

https://tinyurl.com/y64dvvh2

 

 

...

 

Edited by 45002

Please use the quote system, So everyone will know what your referring too, thank you ...

 

 

Link to post
Share on other sites

nothing new always been that way for 25+yrs now i had voip lines with NTL back in the late 90's

which is why a real trucall box or a handset with real truecall software in it is SO good.

 

on average i get about 25-35 of these calls a month

NONE get thru 

the ones that spoof UK or mobile numbers are still screened are easily dealt with the truecall system

 

if they are real, the only thing they have to do is speak and you get an alert ring to listen to whom call with the option to accept or ZZapp them.

once zapped that number never gets thru again.

 

its worthy to note that the scammers only ever use disconnected numbers, or fake numbers after a known local UK dialling code

well the truecall software already knows these numbers as it gets the same databases the scammers use.

if the number doesnt come up on the fake/disconnected list, it also then checks if the UK number is listed active UK and will auto put people thru

 

very clever little device worth every penny and mine is from 2006 when i joined CAG.

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... 

 

 

Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...