Have just signed up. £3.28 per month allows the blocking of 10 numbers. Premium Features Monthly Choose to Refuse Stop unwanted or nuisance calls. What's the benefit? Choose to Refuse prevents unwanted or nuisance calls getting through to you. How does it work? If you frequently receive unwanted or nuisance calls from a particular number, you can block that number from getting through to you. This ensures your peace of mind and, if later on you change your mind, you can lift the block and allow the caller to contact you again.

Indeed I am and seven in one day is the max but what annoys me is the fact that because they must use an identified number with me my son is able to 1471 and then ask me who they are. I always fax them around 23:00 hrs which is when they switch their fax on (I do not think it is electronic) with the times of all the calls made to me and reiterate my previous requests to stop calling and make a new request for them to stop. Dash

When making the subject access request can one state that until such time as received the account is in dispute because "... I believe that whilst these monies may be due your agreement is unenforceable." Just to slow them down.

Some creditors have supplied me with copies of the agreement that includes the signature box in which is my signature. However some are claiming there is no such requirement to provide a copy of the original agreement so all I have received is a copy of an agreement NOT a copy of my agreement. How should I respond? Also if they have failed to supply a copy with or without a signature box would I be able to say that until such a copy is received the debt is disputed and therefore they must NOT issue a default notice? Help appreciated.

My BT line is already set for Anonymous Call Reject - block incoming calls from withheld numbers but BT also offer: "Choose to Refuse - block particular numbers from getting through to you." Website not working so I cannot see how this system works or the charges. Has anybody else used it?

I initially advised MBNA back in September 2008 that I would only correspond in writing but the phone calls continue. I have an electronic fax provider so I simply fax them to advise how many calls have been received on that day and reiterate my request not to call me. Falls on deaf ears. Yesterday after receiving seven calls I faxed to advise that I had lost patience with them and that if after 24 hours from receipt of my fax I would report them to British Telecom who provide my line. To my mind and I have yet to investigate this further these calls constitute a nuisance which I am sure is contrary to the Telecommunications Act.

I suppose you all know about: The Administration of Justice Act 1970 S.40 makes it a Criminal Offence for a creditor or a creditor's agent (often a debt collection agency) to make demands (for money), which are aimed at causing “;alarm, distress or humiliation, because of their frequency or publicity or manner”. Equally, a creditor will be committing an offence if they falsely imply that non-payment of the debt will lead to criminal proceedings; or the creditor pretends to be someone they are not e.g. a court official or bailiff. It is also an offence to send a person a document which looks like it has been sent from a court.

Off to check my council website now!

Who can tell on the job int. Lasted over 2 hours and seemed good but I have had this before and then not been appointed. We will see. Found a bit more on Armstrong et al but does not give much away: Cookie Absent

Do you think it is worth adding it to the template section? If so how do I go about it? I have still not managed to get the full judgement of Armstrong v. Sheppard and Short Ltd [1959] 2 Q.B. per Lord Evershed M.R. I am in London today and will try Foyles but wonder if they will carry reports back to 1959. Any body have any ideas or perhaps know a solicitor who has subscribed to a law reports database? Remember, speak softly and carry a carving knife. Dash

Sorry Mrs Z but not yet. She was out thank god! She is recovering from major surgery and I am sure that this would be a tin lid moment. I am having a job interview today and also another in a couple of weeks time, so I am hoping that she need not discover this just yet. My payoff is not great but will give me a little breathing space. I do feel better knowing that I have advised all of my unsecured creditors of the situation and I now open all the letters every day because I know what to expect. That feels quite liberating even though I know I have a long and nasty road ahead of me. By the way do you think the letter is a good idea? Would like to think I have given something back to the group whose support and encouragement makes a real differnce to me. Dash x

Have now sent all my creditors the letter about visits. My aim with the notice I created is that it requires no verbal communication other than "Hang on a minute." Also it includes the OFT guidlines and the licence to visit property stuff. I like the bit I created about which reads: Please bear in mind that if consumer credit licence holders choose to do business or continue to do business with third parties engaged in questionable fitness behaviour, then their own fitness will be called into question as will their fitness to hold a consumer credit licence It is up to you whether you return with a large carving knife because you were about to make a snack. Get where I am coming from? It is just a defence I will also take their photo I think so I can create dcamugshots.com Dash

What got me with the one yesterday was his assumed superiority. I will first have to ask if they can read, then hand the letter to them! If they cannot read I will need to have an audio version available.

Police have given me number for local officer so hopefully will speak to them in the morning. I do have his card and mobile number. I have an offer with Vista Print (I use them a lot) for 250 free business cards. How funny to have them printed with his number offering S&M sessions or the like. Don't get mad get even!

It will not fit on a postcard but what do you guys think? So they knock on the door, say who they are and you hand them this in scilence, shut the door and watch them whilst holding the telephone to your ear. It is a long text and I imagine that with the IQ of the person that has a job like this a time limit of one hour may be considered more acceptable as they may wish to read and digest the contents before going. I also wanted to put in a bit about that as they had no valid reason to remain they should not stay around the gate sit in car outside house etc etc but grey matter becoming worn out so any suggestions welcomed for phrasing that aspect. Hope to hear back with your comments. Dash YOU ARE REQUESTED TO LEAVE MY PROPERTY IMMEDIATELY -THE POLICE WILL BE CALLED IF YOU FAIL TO COMPLY. Date: ……………………………. Time letter handed to caller: …………………. I have advised the company on whose behalf you are calling that I will only communicate with them in writing. Please bear in mind that if consumer credit licence holders choose to do business or continue to do business with third parties engaged in questionable fitness behaviour, then their own fitness will be called into question as will their fitness to hold a consumer credit licence Under OFT rules, you can only visit me at my home if you make a prior appointment and no appointment has been made. There is only an implied license under English Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v. Sheppard and Short Ltd [1959] 2 Q.B. per Lord Evershed M.R.). I have previously advised the your company (or the company you represent) by way of recorded delivery letter that I have revoked license under Common Law for them, or their representatives to visit me at my property and that if they do so, they will be liable to damages for a tort of trespass and action will be taken, including but not limited to, police attendance. If you have not left within one minute I will telephone Colchester Police Station and request that an officer is sent in attendance. As you have no further reason to remain You will be aware that The OFT has issued guidance for debt collectors on how to deal fairly with debtors. It is aimed at all consumer credit licence holders and applicants, and applies to collection of debt once an account is in default, and in respect of Debt collection visits advises; 2.11 Those visiting debtors must not act in an unclear or threatening manner. 2.12 Examples of unfair practices are: a. not making the purpose of any proposed visit clear, for example, merely stating that collectors or field agents will call is not sufficient b. visiting a debtor when it is known they are vulnerable, for example, when a doctor's certificate has been provided stating that the debtor is ill c. continuing with a visit when it becomes apparent that the debtor is distressed or otherwise vulnerable, for example, it becomes apparent that the debtor has mental health problems d. entering a property uninvited e. not leaving a property when asked to f. visiting or threatening to visit debtors without prior agreement when the debt is deadlocked or disputed g. not giving adequate notice of the time and date of a visit h visiting debtors, unless requested, at inappropriate locations such as work or hospital Yours faithfully, DASH Essex Police 0300 333 4444 (24 Hours) PC HART 07966 196767