Jump to content
Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


  • Tweets

  • Posts

    • unclebulgaria67
      Extra headrest: Do I have to declare this safety mod?

      By unclebulgaria67 · Posted

      Agree it is not a modification that needs to be disclosed to Insurers as changing the seats has not changed the risk.  
    • honeybee13
      Should we trust Sunak or the next PM to fix the Country's problems? (title revised 24/10/22)

      By honeybee13 · Posted

      Frpm David Frost and Robert Jenrick: 'Conservatives must show we respect the votes in 2016 and 2019 and not give the Opposition the chance to undo the benefits of leaving the EU'   Sweep away the Brexit gloom – or Labour will unravel a huge gain ARCHIVE.PH archived 22 Apr 2024 05:47:50 UTC  
    • Crazy Lou
      Dangerous non complete install Bt left us terminating our contract asking us £545 we haven’t terminated non one wil talk

      By Crazy Lou · Posted

      Please please help we were miss sold full fibre by EE July 22  Install couldn’t go ahead no equipment sent and no. Survey it was hell  foind out no full fibre in road so we had to go back to cooper no choice we involved. Ceo and they put in a man from customer resolution s  he was vile he told me I had to go to engineers  something very odd about the ex resolution s in bt basically they took my drive up said they Would put ducting in ready for full fibre we have got £ 40 for a hours upon hours phones stress and more told to go to ombudsman  then bill was £35 we called twice told it was that price as they had treated us appalling two weeks later all sky package gets pulled we call again our bill goes to 165 the next two weeks was hell trying to get yo bottom why it’s off our package it was all on in the end I spent a day on the phone  341 mins was the call anyway I got to the bottom it was this resolution man coveting up the other issue another deadlock  to cover it all up  they hide data  ee did so couldn’t get the miss sell in writing I have now only from sept  Basically now we tried getting full fibre and they have found my drive had to be taken up again which has sunk .  The engineer has placed the wrong ducting again under my drive and need s to be taken to again apparently and the pipe sticks up middle of the drive near gate not behind look so odd it’s a big as a drain pipe open to water and it’s below touching the electrical cables to hot tub . I was sent a letter from the ex resolution to say I had stopped the work  I haven’t  it’s so sadistic she covering up for her mate in that team as the orginal install he didn’t check it had been done correctly  I took to Twitter and posted on open reach they ignored me then after 3 calls of two weeks they sent a engineer bt ignored me ceo emails blocked tag on Twitter unanswered then we get someone from twitter send a engineer he written report to say it’s dangerous since we have  had a  letter to say our problem can not be resolved  then a email to say sorry we are leaving and we can’t get into our account Bt will not talk to us ofcom tells us nothing they can do Citzens advice said go to the police  we can’t go back to virgin due so mass issue with them only option is sky  but point is they make out we have canceled we haven’t we have this mess on our drive dangeous work we are in hell  it’s like she covering up for this collegue it’s all very odd I am disabled and they like played mentaly with me open reach say bt resolved the issue no they have not  I recon they have terminated us making our we have  to hide it from mgt  Help it’s hell I don’t sleep we have 29 may we have tried  calling they just ignore me  at first they are so lovely as they say I am then they go to nnamager and say we can’t say anything to you end call  Scared police are rubbish I need help even typing is so painfull  Thankyou  anyone hello be so grateful     
    • Kyosanto
      Ryanair are delaying paying out the compensation for a delayed flight

      By Kyosanto · Posted

      There's a thread somewhere about someone sending the baillifs against Wizzair that is quite hilarious. I would love to see someone do the same to Ryanair. Question is, should you be the one to take that role. You are entitled to the £220, if your flight was from the UK. If it was TO the UK I suppose it is more of a grey area... though the airlines I know have been using £220 as standard. Not that surprising for Ryanair, the worst cheapskates in the universe, to go for the lower amount, and if you forward this to the CEO he will probably have a jolly good laugh and give his accountants a verbal bonus. After all he's the one who said and I paraphrase "F*** our customers, they'll fly with us again anyway". While we would all love to see Ryanair get wooped in court again, I have to join my fellow posters in thinking it's not worth the hassle for (hypothetically) £7 and not sure it will expedite the payment either. It's already an achievement that you got them to accept to pay.
    • NewsBot
      Coach: US sues to block its parent merger with Michael Kors owner

      By NewsBot · Posted

      The US competition watchdog has taken legal action to stop Tapestry's $8.5bn takeover of rival Capri.View the full article

  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.

      BankFodder posted a topic in Vehicle retailers and manufacturers,

      If you are buying a used car – you need to read this survival guide.
        • Like
      • 1 reply
      BankFodder

      Picked By

      BankFodder,

    • Big Motoring World Enfield /Blackhorse - done over on car - @BigMotoringWrld

      ATJ posted a topic in Vehicle retailers and manufacturers,

      Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
      BankFodder

      Picked By

      BankFodder,

    • A2Dominion - Housing Association property flooding - damning ombudsman report

      WanTToMoveOn posted a topic in Residential and Commercial lettings/Freehold issues,

      Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
        • Like
      • 161 replies
      WanTToMoveOn

      Picked By

      WanTToMoveOn,

    • Post in Suing a parcel delivery company when you don't have a direct contract with them – third-party rights Copy of judgment available

      BankFodder posted a post in a topic,

      We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
      BankFodder

      Picked By

      BankFodder,
    View All

  • Recommended Topics

Twitter X - Include the @company's twitter name in your post title – here's why…
The UK Stands With Ukraine - 'Slava Ukraini'
Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

1st Credit

thejanegirl

By thejanegirl
in Debt Collection Agencies

 Share
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5344 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

  • Replies 937
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

questioner

questioner

Posted
Posted (edited)

Oops sorry I get the 'BIF' bit now and I wasn't trying to be funny. Its just that thereare so many terms floating about that I dont know about I thought that a BIF was something else. BIF = bank infiltration federation or borrowers in fear etc.. lol - Just getting a bit lost with it all. Sorry.

 

Maybe thickos like me could do with a quick glossary of all the CCA FOG or whatever initials are being used so that we can keep up to speed?

 

What's the definition of a "properly executed CCA" anyway? How will I know the differance between one and a dodgy one?

 

 

If they DO produce one will they then just ignore the CAB Fanancial Statement some more and send me to court? If so what would be the point ? Surely they are not that stupid are they?

 

All very abstract still to me!

 

 

 

 

:?

Edited by questioner
Link to post
Share on other sites
ODC

ODC

Posted
Posted
- what was the moderation for, mods? BB didn't say anything?:confused::confused:

I didnt think you could be cagbotted for mentioning names that are in the public domain and widely publicised on DCA websites and Trad Magazines. It would of course be wrong to look up publically available documents and websites and print home addresses or car numbers. Still I can understand the reason for the apparent shyness of DCA bosses and their not wanting their pictures posted on the web. After all Dick Turpin covered his with a mask

Link to post
Share on other sites
ODC

ODC

Posted
Posted

The DCAs are quite content to send out letters stating that ''From publically available records we have traced you and are satisfied that you are the debtor''

 

The same publically avaiable records can also be legally used by members of the public to find a stack of interesting facts about persons or companies that they may be interseted in. Its all in the public domain if you know where to look.

Link to post
Share on other sites
questioner

questioner

Posted
Posted (edited)

So guys I can expect either 1st cred to …

 

1) Send me a properly executed CCA then get nasty again with threats for final payment?

 

2) ????

 

I thought a letter may have arrived today in answer to my questions about them addressing all the points I have raised but it didn’t.

 

They have NOT sent back the quid I gave them or acknowledged it even

 

They have not acknowledged my CAB – approved Financial Statement.

 

They have not in fact acknowledged anything.

 

They just bypass my words like an aggressive school teacher and keep on about settling up in full with is immpossible for me to do. . The debt BTW is not massive and less than a thousand quid in fact so I really wonder if it's worth all the hassle to these PERSISTANT jerks in the end. I rent my house and they wont get much for the children if they try and sell them to medical science coz they bite at times.

 

They are deaf and blind to anything but their own one-sided agenda.

 

Yes – I think they are a very silly firm and will terminate like fats moths in a candle via their own sick efforts due to their own well-proven lack of common sense.

 

Threats and abuse only have a certain self life and every bully meets his/her match as these foolish types surely will too. They must be exposed for what they really are ASAP!

If I ever get mega rich I shall devote a huge wad to fighting to expose this disgusting outfit .

Edited by questioner
Link to post
Share on other sites
ODC

ODC

Posted
Posted
So guys I can expect either 1st cred to …

 

1) Send me a properly executed CCA then get nasty again with threats for final payment? Wait and see IF they can come up with a PROPERLY EXECUTED CCA agreement which contains ALL the prescribed terms and is legally enforcable through the courts. Without it they can do diddly squat

 

2) ????

 

I thought a letter may have arrived today in answer to my questions about them addressing all the points I have raised but it didn’t.

 

They have NOT sent back the quid I gave them or acknowledged it even Thats not your problem. You have made a formal LEGAL request which they are obliged to comply with

 

They have not acknowledged my CAB – approved Financial Statement.Quelle surprise

 

They have not in fact acknowledged anything. Par for the course

 

They just bypass my words like an aggressive school teacher and keep on about settling up in full with is immpossible for me to do. . The debt BTW is not massive and less than a thousand quid in fact so I really wonder if it's worth all the hassle to these PERSISTANT jerks in the end. Most definately. Do not give in to bullying or empty threats no matter how persistant. The law is there to protect you. Do not be afraid to use it. I rent my house and they wont get much for the children if they try and sell them to medical science coz they bite at times.

 

They are deaf and blind to anything but their own one-sided agenda. Allegedly so

 

Yes – I think they are a very silly firm and will terminate like fats moths in a candle via their own sick efforts due to their own well-proven lack of common sense. Allegedly so.

 

Threats and abuse only have a certain self life and every bully meets his/her match as these foolish types surely will too. They must be exposed for what they really are ASAP! They have apparently met their match on many occasions

 

If I ever get mega rich I shall devote a huge wad to fighting to expose this disgusting outfit . You and hundreds of others no doubt

 

 

Do not allow youself to be bullied, harrassed or annoyed by these people. Complain to TS, the OFT and your MP. Record any calls they make, keep copies of all correspondence. Make a formal complaint to them. If they fail to acknowledge the complaint or do not give you a satisfactory final response within 8 weeks then you should report them to the FOS who will charge them £ 400 for the priveliege of investigating your complaint.

Remember the DCAs monitor these forums so DO NOT post anything which could identify you and be careful of who you get PMs from.

Link to post
Share on other sites
questioner

questioner

Posted
Posted (edited)

"Wait and see IF they can come up with a PROPERLY EXECUTED CCA agreement which contains ALL the prescribed terms and is legally enforcable through the courts. Without it they can do diddly squat"

 

 

I can't see why they could not come up with such a doc. What possible reason would there be for them not being able to gain such an item?

 

There again though, even if they do get one I cannot give them money I do not have, hence the CAB-approved F.S. which shows this so clearly.

 

I shall never give in to such bullying but I can see how it would work on many poor vulnerable people.

 

 

Earlier I asked about settlement figures. I am in no position to do so now but I wonder if anyone has hear of the following.

 

I heard that if one say has a good percentage of creditors who will accept a lowish settlement figure and one or two are being awkward and not accepting then the few dissenters have to agree if the majority are happy to accept an offer.

 

I think I heard that off CAB but am not ceratin . Maybe it only applies to folks who are only able to give token payments like me??

 

Is it true???

Edited by questioner
Link to post
Share on other sites
questioner

questioner

Posted
Posted (edited)
OC = original creditor. A lot of them don't keep thier paperwork ;)

 

Ah right yeah I see.

 

That is really stupid of them isn't it. Why the blazes bother to be in such businesses if they cannot do that.

 

So without it they are like a fly without wings?

 

Still - if they 'CAN' hit me with a genuine CCA they will THEN possibly waste their own money taking me to court for cash I DONT HAVE. How much would that cost them?

 

In light of this enlightening news perhaps I should be asked ALL my creditors for a CCA instead of just carrying on as before with token payments? Still, I dont want to upset any too much who may then go into the 1st crud bullying mode.

 

 

I am getting rather interested in this CCA situation and would like to discover more about my legal rights under it. I have had a swift glance on the net but where can I find the right info please?

Edited by questioner
Link to post
Share on other sites
questioner

questioner

Posted
Posted

Thanks Trevor

 

I wonder why they are so pushy when other creditors seem more resonable and able to listen to what people have to say?

 

No one likes being in debt but life changes and sometimes it just happens as it can to anyone.

 

What goes around comes around and the ones who seem to enjoy making life so bad for others herein will get back the same one day.

 

 

No one is secure these days.

Link to post
Share on other sites
ODC

ODC

Posted
Posted

DCA call centre operatives operat on a bonus scheme in which they get a percentage of the debt as a monthly bonus especially if they can sign you up to a direct debit.

 

They dont make any bonus if you wont pay hence their pushiness and nasty threats.

 

In essence they are driven by SHEER GREED

Link to post
Share on other sites
 Share
Go to topic listing

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


Follow: @real_CAG

Navigation Links

Welcome
CAG Community Centre
CAG Library
Banks & Credit
Other financial Institutions
Retail
Non-Retail
Work & Social
PayDay and Short term Loans
Debt
Motoring
Legal

Latest

Our Picks


Help and Support

CAG Library
Questions about This Site
Change your notification sound
Change your profile picture - FREE!


Useful LInks

County Court Forms
MoneyClaim Online
CPR - Pre-Action Protocols
Civil Procedure Rules
UK Legislation
Youth Consumer Service

Reclaim the right Ltd

registered in the UK
reg.05783665
reg. office:-
262 Uxbridge Road, Hatch End
England
HA5 4HS

The Consumer Action Group

The National Consumer Service
×
×
  • Create New...