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    • This is the entrance until recently.   Is this place near you?  Would it be easy to go back and take photos of the signs as they are now, especially at the entrance? Arndale entrance.pdf
    • well 10/10 for opening a parachute account and stopping LLoyds dipping into your meagre income.   who are moorcrofts stated client please on their letters?   as for cabot, send them a CCA request when did you take this card out please?    
    • Yes it is the Arndale. Until 2018 it had always been free to park there then they introduced charges. I'm guessing the carer might have thought it was still free for 3 hours. 
    • I sold an item on ebay through their bidding system, ebay recommended I use PackLink as a delivery service so I did. I dropped the item at a local shop and video tapped the item being taped in the parcel with the label stuck on. The parcel was scanned and approved awaiting to be collected by somebody from Hermes The person collected this parcel later that same day (both events are recorded on hermes tracking website) and the tracking did not update past that point. I contacted Ebay, PackLink and made attempts to contact Hermes the following day to trace the parcel, and it took PackLink 6 working days to establish that the parcel was 'lost'. Hermes contact was appalling as it is automated (live chat and phone) and when I could get through, their automated system stated that due to the label being from PackLink, all issues are with them. Once the parcel was lost, I was told to write up a claim form, for PackLink which I did so. They initially offered me £25 + label cost, which I told them I reject through email. They then refunded me both amounts despite me rejecting this.   It took 6 working days for them to admit a problem and to send me that amount despite my rejection.   I found this companies house number for PackLink: 09026541   That claim form you have linked me is for people who have a claim against them, is this the right link (it asks me questions such as if I received notice from the creditor, why I ceased payments etc)   Thank you for the assistance.   I have just checked today and it says:   HERMES PARCELNET LIMITED filed an acknowledgment of service on 19/10/2020   The claim was submitted by me on the 12th.   Am I able to PM you privately with my claim form?  
    • Is this the Arndale?  On Google Maps it seems the only multi-storey in the area, and it's "managed" by ES Parking.  I see that there were recently three hours' free parking.  As dx says, that will be on the planning permission which immediately knocks the fleecers' claim out of the water.   Plus, love to see them pursue someone for driving who can't physically drive!
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    • 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.
       
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      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?
       
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    • 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!
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Are you being harassed on the telephone by your bank or by debt collectors?


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http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

 

 

 

 

Advice & opinions given by patrickq1 are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional

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Hi,

Can anyone help?

I took advice from this site and asked THEM for security questions.

They responded with MY name adress date of bith and mothers maiden name!!

Surely this is a total breach of Data protection Act?

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Hi,

 

This may have been mentioned earlier in this thread but just wanted to know exactly where I stand concerning all these harassing calls and SMS messages. Lloyds were hassling so much I informed them I was actually going to take action in court for harassment - calls calmed for a while but they've started coming thorugh again just on my mobile. DCA's have also started SMS messages even though original creditors had info off CCCS and my own reduced payment plans for each one (due to a company going into liquidation). I've tried to keep them all up to date with any change in my financial status and amended monthly payments (making increase where possible). One DCA mentioned last week about placing a charging order on my home even though I've been making payments with creditor (who passed on file to DCA without notifying me).

 

I'm know there's loads of us out there who just keeping going over things and think how far can they go? Can they really do that ? etc etc.

Surely if I've offered to pay (even though reduced payments and explained financial situation etc that goes in my favour and any court take note of that). I've genuinely offered the most I can with income and increased working hrs as much possible without working 24/7 ....but someone else mentioned to me that I could offer as little as £1 per month - this wouldn't obvioulsy help decrease the debt figure substanially but would they have to accept that if it went to court? Can all creditors/DCA place charging orders on my private property? Would I know about it before hand or would it just be listed with Land Reg without knowing about it until point of sale?

 

So many questions so little time!

 

Thanks in advance all :confused:

 

Ronnie.

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Hi,

 

This may have been mentioned earlier in this thread but just wanted to know exactly where I stand concerning all these harassing calls and SMS messages. Lloyds were hassling so much I informed them I was actually going to take action in court for harassment - calls calmed for a while but they've started coming thorugh again just on my mobile. DCA's have also started SMS messages even though original creditors had info off CCCS and my own reduced payment plans for each one (due to a company going into liquidation). I've tried to keep them all up to date with any change in my financial status and amended monthly payments (making increase where possible). One DCA mentioned last week about placing a charging order on my home even though I've been making payments with creditor (who passed on file to DCA without notifying me).

 

I'm know there's loads of us out there who just keeping going over things and think how far can they go? Can they really do that ? etc etc.

Surely if I've offered to pay (even though reduced payments and explained financial situation etc that goes in my favour and any court take note of that). I've genuinely offered the most I can with income and increased working hrs as much possible without working 24/7 ....but someone else mentioned to me that I could offer as little as £1 per month - this wouldn't obvioulsy help decrease the debt figure substanially but would they have to accept that if it went to court? Can all creditors/DCA place charging orders on my private property? Would I know about it before hand or would it just be listed with Land Reg without knowing about it until point of sale?

 

So many questions so little time!

 

Thanks in advance all :confused:

 

Ronnie.

 

Is the DCA in question 1st Credit? If so, they tried the same **** on me. I don't believe they can get a charging order as my original debt was unsecured. And I also believe the debt is statute barred in any case as this is more than 6 yrs old. If anyone's able to confirm this, I'd be grateful...Got some help which was great, but unable to get confirmation about the charging order.

 

TIA :)

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Thanks for that. Some are credit cards (personal ones) that I used to help purchase things for business/fuel for business vehicle etc. Others relate to business loan that had a personal guarantee (challenging enforcement of the guarantee at present). Oh and a personal loan I took out with 2 banks (again both mainly use for business in its first 12mths). Thanks for bringing up point of being unsecured debt - sometimes you can't see wood for the trees !!

 

:)

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Where is the moderator - dandanthfc has been making this post on a lot of threads, he clearly hasn't read them and doesn't want to offer constructive help. Please can his posts be removed ASAP.

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I think I'm going to have to get a recording machine.... I have entered into agreements with all my DCAs to repay at a certain amount per month, but yesterday I got a call just after 8am from Bee Cee DoubleU wanting to talk to me about my account. Now, the person woke me up (I only came out of hospital after surgery Friday night), and I wasn't quite on the ball, but I did refuse to answer security questions, saying if she had called me she obviously knew who I was. I also said I would only discuss this in writing but that I was making monthly payments. She then went on to say this wasn't happening and they hadn't received my money (although remember she hadn't ascertained it was actually me speaking) and that very well, they would write to me but there would be "further action taken in that case", in a very "so there" kind of way. Before saying "thank you Mrs medsec" and hanging up on me. Do you think I rattled her? And why is she calling me anyway when they took a payment on my debit card on 1st of the month???

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It's particularly effective if you can give them security answers which mean rude things in the language too - nice to hear them repeat back that they are a clown or a pervert....

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are what a brilliant idea. I no several words in forigen and morse code..... 3 dit 2 dit 4 dit dah.........guess please, it is rude ish. :)

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 favourite windup now is to give people security answers in Japanese, completely confuses them, especially the Indian based call centres....

 

 

I have mangaged to make up 2 soundbites, one is Arnie "i'll be back" and the other one is from the "Silence of the lambs" you know the one, when Hannibal is speaking to Clarrisa Starling (Jodie Foster) doing all that licking & salivating etc. I play that one a lot... goes down a "storm" with the caller, I think they crap their pants before freaking out & hanging up......:cool:

[sIGPIC][/sIGPIC]....Please don't bother my master 'cos my sister & I might bite you...

 

I DO NOT offer legal advice

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"I just say what I say because everyone is entitled to my opinion!"

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OOh she called me back. I refused the security answers and said I'd asked her to write to me. She said she now had to escalate it because I was refusing to pay and she would send someone to my door "today". I got out my file, and checked my a/c and it would appear I "agreed" to pay 20 quid per month but I only sent 10.... Plus it costs me £2 PER TRANSACTION on my card to them. That's 20% on £10. Isn't that a bit extortionate? I think i'll start my own thread on that point....

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Lowell are Harassing me. I'm getting calls at 11 at night saying "This is an automated mesage from and then it gives their number in Leeds. When they call and there's an actual person on the line, I refuse to answer the security questions and tell them to write to me.

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Did I mention the calls that I couldn't hang up? You know how it is if someone makes an accidental call on a mobile, and you can't hang up your end? I'd press the button to cut off the call and they'd still be there. I felt that my home was being invaded.

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I've been having calls to my mobile from

08708503492 who I think is halifax/IF

08453007021 which from this forum I guess is barclaycard

02392584004 which googles to be "Fone Trader" in hampshire - not sure why they'd be calling. Maybe it was something important but due to banks calling I've not been answering unknown numbers.

Not had any that late at night, but have had some call before 9am.. even on sunday!

 

They call on my mobile, so I just set them all to be under 1 contact with a silent ringtone.

If I see it vibrating I press the 'answer' button so I don't have to clear the missed call notification.... and sometimes I'll hit the speaker button to hear them going 'heelllloooo', on the occaisions that they do answer.

 

Am I right in thinking they aren't allowed to withold their numbers any more - so if I get one then it's either safe to answer, or fraud?

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Hello,

I have been receiving calls for about 3 months now from a company called HFO. They claim my brother, who doesn't live at this address any more, has a mobile phone bill from 3-4 years ago. They have taken to calling at least twice a day. I do know they have breached the Data Protection Act by discussing his case with my Mum and me. They even asked me to pay the bill otherwise he would be taken to court. This is something they have been saying since July. I have asked them not to ring here and they said that unless I gave my brother's contact number, they would continue to call us on the home number. My mother is 75 and these calls are really getting her down. We've been with TPS for 6 years now, but that's mainly for sales stuff. We've also registered with Silent Call Guard (svce starts tomorrow night). Information Commissioners Office have said to write to said company (I've managed to get a number + address from them) stating what breaches they have made. I've also asked BT for a 28-day free "choose to refuse" (barring certain numbers, including withheld but NOT international). The thing is, with the latter, the call centre is in India but the contact number is a UK one with an address in Croydon.

Can anyone advise/help on how we can stop these people from ringing us? Oh, we have tried - since yesterday - answering the phone, putting it down and letting them listen to nothing/the vaccuum cleaner/etc.

Thanks

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Just to make it clear - A company called asking for hubby - he was not home. They would not tell me who they were or what company and cited Data Protection Act. I then said again well if you can't tell me then I won't pass on the message. He replied, its our company policy not to give out details. So I said so its your company policy and not DPA then, he just seemed stumped and I said if you cant tell me who you are and where you are from if I answer the phone then I wont pass you on when he is home. Was I right or not??????????????????

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Completely right Kimmie, I used to do the same with BOS for my OH, sometimes they would ring up and say seductively "Can I speak to P please" when I asked who they were they wouldn't tell me so I would say "Well, you can't speak to him then can you?" and put the phone down, if they keep phoning do the Harassment letter.

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Just to make it clear - A company called asking for hubby - he was not home. They would not tell me who they were or what company and cited Data Protection Act. I then said again well if you can't tell me then I won't pass on the message. He replied, its our company policy not to give out details. So I said so its your company policy and not Data Protection Act then, he just seemed stumped and I said if you cant tell me who you are and where you are from if I answer the phone then I wont pass you on when he is home. Was I right or not??????????????????
They usually say it XYZ Bank about a personal business matter. Still you did the right thing. Assuming your hubbie answered the phone and they asked for him and he first of all asked who was calling then I wonder what they would have said:rolleyes:

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Just to highlight my thread about harassment. I have applied to the courts against the Funding Corporation for harassment via the telephone, letters, multiple termination and default notices, harassment via multiple charges reaching £600, and recieving threatening text messages by their debt collector. All for an alleged £112. They have submitted a counterclaim against me in regards to one of their termination notices for £4000. I have a few days left to submit my defence to their counterclaim.

 

http://www.consumeractiongroup.co.uk/forum/other-institutions/113419-funding-corporation.html

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I have barred all hidden number calls from my house phone now. So if they can't reveal their number then it will not get through. Guess what my phone hardly rings now - not missing it yet though lol:D

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