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    • I don't understand the bit about looking after your own being criminal, TJ. Could you expand on that please?
    • A somewhat good result. After more chasing, they've sent me a spreadsheet of the accounts for fire protection, water charges and electric.  Communal Electricity - Estimated £45.00, Actual £241.73 - Revised: £41.63 Communal Water - Estimated £3.66, Actual £234.91 - Revised: £76.96 Fire Protection - Estimated £2.08, Actual £147.65 - Revised: £51.15 Still it seems too high, the total for this estate alone for water charges came to £62,950.07 last year. The thing is, they've listed blocks that don't seem to exist on our estate. Possibly from the new development that has only just been built on the estate, which was finished in the summer this year.     
    • The largest ever amount that went into that account was £500 which was about 7 months before it was blocked.    There was no going forward income as the 1st lockdown came 6 weeks later and I went straight onto universal credit after that and have been on it ever since.    Bottom line, at the time it was the only account I had add and all of my savings of £16500 were in there which I had no access to after it was blocked. Tried to contact the car finance company but no one was available throughout the pandemic likewise many other companies who registered a default
    • so you got the original letter asking for your side of the story and replied by email. post up what you said in your reply by email please and their reply.   you later got a letter stating this will be heard by the simple justice proceedure at xyz court on xyz date but still inviting you comment or plea?   how many time and how many days did you use this for and WHAT EXCATLY (the bit in black) on the letter from the SJP court have you been charged with..??   one specific event on xyz date ,...with other uses being by tickboxes to be taken into consideration and wiped if you agree?   what DATE is the court hearing?
    • A more controversial point is that Johnson has made it illegal to look after your family, requiring you to choose between them.   No one I know doubts or questions that people hosting raves and such like should be prosecuted given the situation, just as those gathering for fox hunts and grouse shoots should be, but effectively making people who are simply trying to safely and sensibly look after their own into criminals while the government pals do whatever they like and are thrown taxpayer money by the BILLION for nothing is obnoxious and abhorrent, especially when you can go to a restaurant or supermarket or transport hub and be in close contact with hundreds of strangers.     Oh look - 6 + 1 in close contact from 14+ households and only one wearing a mask - leading by appallingly bad example.    
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Are you being harassed on the telephone by your bank or by debt collectors?


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Never sign any correspondence to a DCA as some of them have been alleged to have done a cut and paste job with signatures and agreements.

 

Not of course that I would suggest that a 'professional' company like first credit would do such a thing.

 

 

 

 

 

Wooops there goes another flying pig over the two blue moons

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i thought it was 3 blu moons ODC. LOL

 

Still smilling YW

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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I just received an email saying there is a new post in here from Pashion and it starts:

 

"

I AM A DEBT COLLECTOR BUT THIS POST IS NOT AN ATTEMPT TO COLLECT MONEY FROM ANY OF YOU AT ALL"

It's not here, has it been deleted ?

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hi conniff

i got that email to. it seems that this person has put themself on a self righteous peddalstool , claiming that they have been a debt collector for many years, this would make sense as after so long they start to believe their own propaganda.

many points raised by them are incorrect, i dont bow to bullyboy tactics or people attempting to create legal threats that have no basis.

it should be deleted as it only serves to scaremonger and sow seeds of doubt, yet another underhand tactic of these people,

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if ppl are offended by the post why not just report it

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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On 28th March I had a card posted through my door (Royal Mail) saying a package could not be delivered as they "needed further instructions from me". This was from First Direct Logistics (no address).

I rang them and they said they needed confirmation of my address before they could deliver a package. I confirmed my address and they said they would put in in normal post and I would get it by Tuesday. Today is Thursday and nothing yet - so I rang again and was somewhat shocked at the way I was spoken to by the telephonist. She said it would be with me soon. I have now found this site and am wondering what I should do next?

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First Logistics Direct is the tracing arm of HFO Services who seem to specalise in nearly statute barred debts.... they use this lot to try and trap people into acknowledging debts which are almost statute barred. Ignore them and if they send a letter or another card report them to Your trading standards and THEIR trading standards.

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What i would like to know is when you get letters from these companies and you ring them up or they ring you up they always get you to confirm like your name date of birth and address namely for the data protection checks. If you don't want to speak to them then obviously you say i am not going to give out my personal information to you and they turn around and say they have it anyway. Am i just being picky by doing this every soo often or should i just give in and give them the info anyway as yes they would have this information anyway. I would highly recommend this to anyone though to which i found to my surprise though i shouldnt have been is that if you ever ring them make sure you withhold your number which i forgot to do and then all i ever got was phone calls to my new number as they had caller display and even though i hadnt confirmed that was my number they just kept ringing it and said we can use any means possible that we see fit to get in contact with you. Told them to stop calling and harrasing me but they took no notice.

If you find this info useful please click on the scales in the bottom left corner of the thread :wink:

 

Vodafone To Remove Default Notices thread

Paid In Full HSBC Was Claiming £3851.42 But Instead of Paying Me Decided to pay my £4900 Loan OffDG Solictors. Need Help

Concluded Lloyds TSB 27/05/2006 Action Against LloydsTSB

Concluded Lloyds TSB for Girlfriend. 27/05/2006

Paid In Full Capital One £160 Settled

Paid In Full Capital One Sent 15/05/06 for £1372 for Girlfriend

Paid In Full Cetelem £130 Settled

Paid In Full The AA £400 Settled

Paid In Full First National £160 Settled

PDA LloydsTsb Credit Card Hand Delivered 26/04/06 £180

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just tell them when they ring you dont discuss money matters over the phone.

 

Also always refuse to answer there questions they hate it.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Let’s just clarify all this about the 'security questions'.

1. There is NO requirement in the Data Protection Act for anyone to disclose their personal data to a caller, known or not.

2. The Information Commissioner has issued guidance that the RECIPIENT of a call should verify the identity of the caller. Thus when YOU call your bank/credit company, they should ask you to verify yourself by say, your date of birth. That doesn't apply when THEY call you. If anything, you should verify the identity of the firm by asking something like the OFT licence number. See how many actually have one!

3. Regardless of the DP Act, it is monumentally STUPID to provide personal data to any Tom, Dick or Harry who calls you claiming to act for HSBC, Barclaycard or any other company. How do YOU know they say they are? It is the easiest thing for a thief to steal your identity by calling you and asking for your date of birth, post code or another piece of data. You cannot check them yet providing such data is exactly what they want you to do.

Arrow Global/MBNA - Discontinued and paid costs

HFO/Morgan Stanley (Barclays) - Discontinued and paid costs

HSBC - Discontinued and paid costs

Nationwide - Ran for cover of stay pending OFT case 3 yrs ago

RBS/Mint - Nothing for 4 yrs after S78 request

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When the HMRC data discs went mysteriously AWOL, and the whole ID theft frenzy was at it's peak, the Chancellor and an HMRC Chief were answering questions to the media to try and calm the waters a bit. Of course, the tactic was to stress that the information available from the discs was quite limited and nobody should be unduly concerned, just a little extra cautious with their personal details. If anyone was concerned or had reason to suspect something was amiss with their bank or financial details they should check their credit report and take it up with their Bank, or the Police if necessary.

 

"But what about the real fraudsters and con artists,.... now they have 'official' confirmation of who you are and where you live,.... what's to stop them calling you up and fishing for more information from you, your family and friends, and fleshing out more personal details??" asked one reporter.

 

Without hesitation the Chancellor's was reply was to the effect that "People should be on their guard at all times with personal information, whether online or on the telephone. I can think of no particular situation whereby anyone would have a legal obligation to part with their personal details to any unidentified or unexpected caller. In fact, I would go as far as to say it would be very unwise to do so."

 

It's quite logical when you think about it. Just flatly refuse to identify yourself, or part with information of any kind. There's absolutely no negative consequences for you whatsoever.

HOIST BY THEIR OWN PETARD.

 

Blimey it works....:-)

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hey guys,,, fantastic posts

 

Im going to actually quote the above what has been recommended to us by our Government, wonder what responce i will get back, lol

 

Should they wish to persue this i will add that they contact our Chancellor directly and get him to intervene on my case, hahahh

 

oh bank of scotland just dont call me today im ready,,lol

 

will let you know how i get on,,

 

thanks

have a fun day ciao maz8)

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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lol maz

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Good morning all,

 

nothing as yet.....hmme thanks The Godmother nice name,,,glad ive brought a bit of humour along these muddy waters we walk

 

have fun ciao maz

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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hi maz.

 

It what we loving call the waiting game.

We hate it but it is to be done. they will get desperate and call you so be ready. BTW thanks about the name, My partner chose it as he said i could not has boss/iam the boss.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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....and as if by magic, HMRC issues another warning this morning about an increase in [causing problems], phishing, and threatening activity HM Revenue & Customs: Home Page

 

If they keep this up, they could almost be accused of 'knowing what's going on'. Perhaps they read CAG.......;)

HOIST BY THEIR OWN PETARD.

 

Blimey it works....:-)

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I cant see anything new on there danny

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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On the home page it says

 

"There are renewed scams requesting personal information" and the link will take you to HM Revenue & Customs: Fraud and Scams

 

They refer mainly to HMRC associated things for obvious reasons, but the links provided are useful. The line seems to be that they do not recommend giving out personal details to anyone, unless you are 100% sure you know who you are dealing with, and the contact was instigated by yourself.

 

Kind of sticks it up the DCA's a bit. ;-)

HOIST BY THEIR OWN PETARD.

 

Blimey it works....:-)

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yeah thats been on there a while

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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  • 2 weeks later...

HI ALL I HAVE HAD PHONE CALL FROM ROBINSON-WAY EVERY DAY THIS WEEK EVERY TIME THEY CALL AND ASK SECURITY DETAILS I TELL THEM NO AND THE PHONE GOES DEAD.ALLCONVERSATIONS HAVE BEEN RECORDED AM I DOING THE RIGHT THING O R ANY IDEAS PE6000:confused:

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yes u are doing the rite thing.

 

L would advise u to read this.

 

Let’s just clarify all this about the 'security questions'.

 

1. There is NO requirement in the Data Protection Act for anyone to disclose their personal data to a caller, known or not.

 

2. The Information Commissioner has issued guidance that the RECIPIENT of a call should verify the identity of the caller. Thus when YOU call your bank/credit company, they should ask you to verify yourself by say, your date of birth. That doesn't apply when THEY call you. If anything, you should verify the identity of the firm by asking something like the OFT licence number. See how many actually have one!

 

3. Regardless of the DP Act, it is monumentally STUPID to provide personal data to any Tom, Dick or Harry who calls you claiming to act for HSBC, Barclaycard or any other company. How do YOU know they say they are? It is the easiest thing for a thief to steal your identity by calling you and asking for your date of birth, post code or another piece of data. You cannot check them yet providing such data is exactly what they want you to do.

-----------------------------------------------------------------------------------------------------------------

When the HMRC data discs went mysteriously AWOL, and the whole ID theft frenzy was at it's peak, the Chancellor and an HMRC Chief were answering questions to the media to try and calm the waters a bit. Of course, the tactic was to stress that the information available from the discs was quite limited and nobody should be unduly concerned, just a little extra cautious with their personal details. If anyone was concerned or had reason to suspect something was amiss with their bank or financial details they should check their credit report and take it up with their Bank, or the Police if necessary.

 

"But what about the real fraudsters and con artists,.... now they have 'official' confirmation of who you are and where you live,.... what's to stop them calling you up and fishing for more information from you, your family and friends, and fleshing out more personal details??" asked one reporter.

 

Without hesitation the Chancellor's was reply was to the effect that "People should be on their guard at all times with personal information, whether online or on the telephone. I can think of no particular situation whereby anyone would have a legal obligation to part with their personal details to any unidentified or unexpected caller. In fact, I would go as far as to say it would be very unwise to do so."

 

It's quite logical when you think about it. Just flatly refuse to identify yourself, or part with information of any kind. There's absolutely no negative consequences for you whatsoever

----------------------------------------------------

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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My favorite trick is to drag it out by explaining my previous actions in relation to to their case. I have issues with them that they will not deal with such as charges on accounts and their hidden codes, how I have been talked to by their trained chimps etc. because if the phone call is recorded 'for training purposes' then my demands are also recorded. This infuriates them because they are on a time limit per call.They fail to deal with me by simply throwing the case to another debt collector. I wandering round the house rattling things. Say 'I can't hear you' in one case because of the radio. 'Then why don't you turn it down? 'Hey, that's a good idea. However, I do agree about the transmission of personal details over the phone. When I complained about my unlisted number being given out I was told that we can share it with who we like. Therefore, if I refuse to give info on the grounds that they have proved that confidentiality does not exist, they can't give it out.

I must try harder though and take it up a notch.

The Baron

 

"To sin by silence when we should protest makes cowards out of men"

~ Ella Wheeler Wilcox

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