This is a journey you could do every day, Westbury - Reading But it's cheaper to buy a season ticket to Birmingham New Street which allows you to use any train to Bristol Temple Meads in addition. So you can go much further for less. Because a different operator sets the fare flow...

Oh dear... Barclays responded to my letter to the Chief Executive saying the case was taken to the FOS and that I should contact them if I disagreed with their decision... The FOS stated at the time the charges were applied correctly. Missing the point that I had an account where I was elidgeable for a "Personal Reserve" but not the Interest Free overdraft of the same amount... Time to get the Claim Form in then do you think?

Nice! I like your style there. Nice domain too by the way. I've rewritten your document which you should send to Snotcalls head office. Sign it as The Legal Occupier with some squiggly circles as a wet signature. This is a legally binding revoke of their implied rights to visit your address. As such any further attempts by them become immediately a matter of trespass. I believe I am right in saying this turns a civil matter into a criminal matter. (Happy to be corrected so don't quote me on this) This leaves them in no uncertain terms as to what your position in the matter is. If you decide you want to stick to just the standard IROA removal then the letter is here: http://www.consumeractiongroup.co.uk/forum/showthread.php?387366-Harassment-amp-Threat-of-Doorstep-Visit-**Update-21st-April-2014** As you are not a customer then you will need to tweak it accordingly. But the letter I wrote above was based on your original PDF you gave to the clown at the door. So please take it as Errors & Omissions Excluded. You didn't, that's what I was getting at. But that will be their [snotcalls] argument. "Your medical condition was known to you and therefore your subsequent hospital admission cannot be seen as caused by us" or something like that they will come back with. Sorry if my comment implied you were at fault. That was not how it was meant to come across at all! I sometimes don't word things too well which is part of my own disabilities Well lets see how things continue. Other more knowledgeable people might have better ideas. However if all else fails and legal action is not possible due to financial issues, then giving the story to The Sun Investigations or The Daily Wail is always an option... Maybe BBC Panorama / Channel 4 Dispatches too?

I'm very angry reading all this. The behaviour here is just. I'm lost for words. Did you serve the guy on the second visit with an Implied Rights of Access Removal Notice? In which case if yes, if he dares show up again then film him at the property and call the Police and have him removed for aggravated trespass. As you are unfit for work and this guy caused you to enter an incapacitated state by provoking your medical condition. This would class you as Vulnerable. So aggravated trespass to a vulnerable household should not be taken lightly and Police should be attending immediately. As for the actual clown at the door and considering your hospital admission. In your situation I would not only be considering selling the story to the Daily Wail but also seeking CONSIDERABLE redress from Snotcall. However their argument will most likely be "You caused yourself to enter that incapacitated state and it cannot be unforseen if it was a pre existing medical condition" - this makes me even more angry. Do. Not. Let. Them. Get. Away. With. This.

Many thanks for the answers here guys. I will answer your questions below: I had a feeling this was going to be the case. However it was always worth a try. How can this be justified? Assuming she is not even in OR makes no contact with the bailiff? I do not have a TV License as I do not watch live broadcast TV. But I don't see myself getting hit with £235 Fees each time the TV License guy comes to the door. Even if he came with a Search Warrant I wouldn't get such a fee for the "privilege" Again there was never no harm in trying and I stated in the original letter I wrote for my friend that these would be considered if they were justified. At the present time all we have PERSONALLY seen is a single letter received to her via Second Class Post. So £75.00 seems in my opinion very disproportionate. But nevertheless if this is the legislation then that's ok. However it seems to me there is more in "Fees" and "Costs" than the actual debt to begin with. Which in my view is being both greedy and irresponsible. I am not for one moment condoning debt avoidance etc. But how does it help someone by making a debt over double the size with fees here there and everywhere? Most of those will be done by an automated computer system and the processing power/bandwidth used would cost pence. As an example, services like outbound text messaging are done in bulk so may even cost the Bailiffs nothing at all, as the charge will be the same no matter how many texts they send via an SMS Gateway. However I see the point you are making here and I accept this is a set legislative charge. ** - She received this document. However their letter said they could save her £235 if a short term payment could be agreed. By short term when she phoned them they wanted £262.09 in full no monthly payment plan. She had that day 3p in her bank account. I actually gave her the £9.09 and £3.00 as I felt as a human and friend it was the right thing to do. I have had similar council problems myself through no fault of my own so I remember the stress the robbers and vultures cause! So as the Bailiffs said no payment plan she contacted me and I drafted these documents. She is in work so probably could not claim vulnerability grounds. However she does have pass suicide attempts which have resulted in Hospital Admissions and a medical diagnosis of severe anxiety... You'd be correct in thinking that. Makes the fees seem even more disproportionate......... Please see my comments further above. I am inclined to agree with you from a personal viewpoint. But if this is the legislation then not alot one can do themselves unless they want severe grief and months/years of stress trying to fight it! This is correct. 2 Separate payments both accepted with authorisation codes I hate to ask, but do you have a source for this or some legislation I should be looking at to consider using this against Crapita? As I'm inclined to agree with you. Money paid to the council in terms of a Council Tax debt or liability should be used for that sole purpose only. Not for the Enforcement Teams to buy more donuts or for your Brown Garden Recycling Bin yearly fee (Our Council has this)

Evening all, I'm helping a friend out with a Council Tax bill which was overlooked after a misunderstanding with the paperwork. When they contacted the council to set up a direct debit they were advised they were £96.00 behind on payments so made this payment in full there and then on the phone. That was the end of the issue so they thought. However they were not advised of an underpayment of a bill in the period of 2014 - 2015 which was left outstanding and as such not aware of. In the phone call and a reminder letter they received they were not told about the overdue CT of £117.09 Needless to say I was woken up this morning to my friend in complete panic about the Bailiffs and have drafted some letters and come up with a repayment plan for their arrears and CT for the remainder of the financial year. Having looked at the payments they [the council] were requesting over 10 months 2015 - 2016. I have managed to devise settlement of the arrears and current tax years bill over the remaining 9 months of the financial year. This is roughly the same amount if they paid over 10 months without arrears. So the following letter went to the Council This was sent by Fax. A copy was sent to Ross and Robbers for their records. The same day the below Fax went to Ross and Roberts directly: Sent the same day by Fax also. I'm not sure we'll get anywhere with the 2x Fees that are in question. But both as we all know here a grossly disproportionate to the costs incurred to the Council. I wrote this with a recent judgement in mind that a summons fee of £70 was considered unreasonable. Sure I read that in the news letter from CAG some time recently. Also an additional £75 Bailiff Compliance fee for sending 1 letter second class post is ridiculous and shameful. Oh and lets not talk about the local council outsourcing operations to Capita......... Hmmm... Other than the above is there anything else they [my friend] should be doing? Or is there anything I've overlooked here? Many thanks Shark xx

So I decided to take this back on and the following letter went to the Chief Executive: I had a Barclays Premier Life Account (Still do) which comes with an Interest Free Overdraft up to £1,000 - So I am planning to use and focus on this and ask why the bank felt I was eligible for £150 under a "paid product" but was not eligible for the interest free variant despite ticking all other boxes! Lets see what they come up with

Forgot to add... Checked Equifax and nothing... Not sure I want to look on Experian :-\

Also interesting... Mine took 2 SIMs before it eventually stopped. I'm sorry, but tell an autistic person (Who understands technology very well) that changing the SIM will fix the issue and then it doesn't. I was not going to believe them when they said "OK a second SIM will do the trick" throw in a psychotic illness and it wasn't hard to conclude that Vodafone thought I was making it up... Then their Newbury Office contacted me to find out what my issues were... That was an interesting phone call... But the girl I was speaking with I felt DID take the complaint more the seriously and it was very evident she was just as frustrated as I was for not being able to do anything about it. Either way, EE have given me massive headaches as it is. I am tempted to take my complaint to the ombudsman just to spite them and knowing they'll pay for the privilege of the ultimate ruling (see my other thread). But I am tempted to take the compo and leave next year in Q1. Might take the 30 days SIM only sharers I have to Virgin Media also, but do that right now... Not sure yet

Thanks dx. I've advised he contact them and he said he'll give them a ring tomorrow. I suggested he write to Dominos also to explain the situation and not to accept any orders without payment on order in future. He assures me this has been done, but by telephone. I am concerned that head office might try to recover the funds for something that was a fraudulent order via Civil Action. But with correspondence to provide from action fraud, one would hope they won't be silly. Now he has asked me that should ActionFraud start an investigation into the matter, what is the likelihood of them ceasing equipment for investigation. Whilst he has absolutely nothing to hide and just wants the harassment to stop. If he were to have equipment taken for investigation, it would be extremely disruptive to his work as he would not be able to do any form of work (He is self employed) What do you thinK? Ta.

My Friend has found themselves in a large spot of bother and I decided to try a post here for some advice of what can be done to help him out. He is being seriously harassed and rather embarrassed by an Italian National who is 'hiding' in Italy. From what I understand, my friend runs a Computer Game Server where this Italian Gent got himself banned for reasons that don't concern or interest me (and that I don't actually know either). What I do know is that this chap keeps posting my friends personal details into the public domain without his consent. Repeated attempts to Ban Evade his gaming server. However last night was the final straw. He was woken up at 02:45 to find Dominos Pizza at his door with £130 worth of Food which he hadn't ordered or paid for. They were less than impressed. My continued concern is that this will get much more serious with something like Identity Fraud. If this guy will send pizzas at nearly 3AM to the tune of £130.00 I fear this is only the beginning. I have told my friend he should now involve the Police immediately. There are several ongoing issues including email harassment etc. I would be lying if I said I thought Debt Collectors were still worse at it. But with the person responsible outside of UK Jurisdiction, is there some from of European Harassment Order that can be placed on this chap to cease and desist immediately? I have suggested he speaks to the CAB, but in the West Country they aren't exactly that helpful. Has anyone been in this situation or knows where I could seek advice for him. He just wants it to stop and the :evil: is not relenting by any stretch of the imagination! Thanks all

Thanks CitizenB. I did have a look a while ago and didn't spot it on there. I saw a Vodafone account marked as settled which was active for 1 month which was odd. But as it was settled with a Zero Balance didn't think much of it. I might have another look. This thread just reminded me of the terrible experience and I was some what relieved it wasn't just me having further bad luck. If I do find something, I will then start to poke that sleeping dog right in the eye... But they certainly are not getting any money out of me. I left out some of the more gory details for reasons that might be obvious. But I will be clear when I say this: The Police were not involved lightly.

Thanks fkoflilee. In honesty, I was more than tempted to accept this as F&F settlement of the complaints. But wanted an independent opinion just in case I should have pursued for something further. I was more upset over the BTOpenzone credit check thing where EE had scattered late payments everywhere. More upset that they would have kept them there had I not said anything. So thanks for your advice. I will contact them and suggest that I will accept the case as closed.

Now this is very interesting... I had a very similar issue around 2 years ago with a Vodafone Account. However mine was more clearly a case of crossed wires. I would send a text message to a colleague or a relative. They would receive the text message without issue. When they responded to that text message, I never received it, but someone else did... Unfortunately the people who received the messages decided to respond with abuse. Explaining to my mother why my 15 year old sister (who was also bullied at school for learning difficulties) received the most profane text message I have ever seen was not a highlight of my life. When I received the bill I also noticed calls and text messages that I had not made including to an 090 number which definitely was not me. One of my suppliers contacted me on the number and ended up speaking to one of these idiots, fortunately she realised she wasn't speaking to me and something very odd had happened. I didn't enjoy explaining that either and was totally mortified. Needless to say I contacted Vodafone and after having to explain the issue from scratch 6 times I lost my temper with the 6th agent as well as my faith and trust in the service, said explaining from square one over and over again was a waste of my time and I would write a letter of complaint. I stopped paying the bill from that point also. The account went to Incasso just as I made a formal complaint over the account. Vodafone responded to my complaint (which was a good 3 pages long and included various correspondence from Apple and The Police over the whole affair) with a 1 page letter and that's when I realised they weren't taking the complaint seriously. So I decided I was not going to take their termination bill seriously. Incasso went away the moment I told them I was disputing it with Vodafone. But since that and the complaint I have heard nothing since and have let that sleeping dog lie. My only reason for posting was that in a sick way, it's nice to know I'm not the only person to have had this problem with Vodafone. I'm now with EE who have given me more than enough problems than I care to deal with. But at least random abusive scoundrels don't receive my text messages...

I've had a few issues with my EE Account that I opened in April Last Year. Most of which have got resolved but it was the handling and managing of the account which seriously got my back up. So I decided enough was enough and sent an email to EE's Executive Office as a final resort before CISAS complaints. Anyhow the complaints and incidents were as follows: BTOpenzone addon worked for about a week, moment I gave EE my PAC code from Three Mobile it stopped working and over a year on, still continues to be troublesome and works 2/10 times Added a Sharer SIM which was registered as a Data only SIM. Que my sister running up a £200 bill without any knowledge by her or me. HSBC declined the payment on my Credit Card for Fraud Prevention reasons. I first became aware of the above when I was discharged from hospital having been an inpatient for a week for bowel surgery. I needed to contact the hospital after noticing something unusual and found services suspended. I made that phone call via Skype. EE took a duplicate payment from the My EE App of £82. I discovered this on a Saturday and was told I needed to wait 7 - 10 days for the funds to be credited back to my account. I did a chargeback for 1 of the payments as I wanted the funds that day in my account. HSBC oblidged after a 50 minute phone call and quoting FCA Guidelines I contacted EE the same day and advised them of my actions as I was told that "Common Sense would prevail" Anything but that then happened. EE then blocked card payments on my account for fraud prevention. After contacting them multiple times to resolve this and being told by 4 agents that my services would not be suspended. Exactly that happened. I was promised several callbacks over all issues which were never received. In a previous complaint EE had admitted "That this had happened on more than 1 occasion" EE Suspended my services over £10 after giving me an Ex VAT figure for a Bill on the phone which I paid immediately. After contacting them I was told the agent had made an error and that it was just "Tough" I paid the VAT amount again being clever and adding an extra £10 so their was no margin for error and to show I was not withholding payments. You get the idea... Pretty poor show. Anyhow I wrote to the EE Office in pure frustration and made sure I was in a foul mood when I did so. With a 3 Hour Train Delay on the Great Western Main Line and a lack of a Restaurant Service was the perfect moment to do so. However here comes the biggest concern of all. At no point did I refuse payments or otherwise. But EE kindly littered my credit file with Late Payment Markers which the Executive Office kindly offered to remove... Whilst all that was going on, I contacted BTOpenzone to request the purchase of a 12 month WiFi Subscription which is £15 per month. EE agreed to credit my bill by £15 per month continuously after I threatened to send them the bill for BTOpenzone. However BTOpenzone declined my application due to data with the credit reference agencies. I found this out BEFORE EE told me about the late payment markers. So I was refused credit by their errors. On all occasions I made sure I overpaid the bill to show commitment and it looks like this was all a complete waste of time. The executive office also told me that they would inform me once card payment restrictions were removed. I had to chase this just like every other phone call they promised which I never received. EE also gave me a credit of £80 which was increased to £150 after I told them I was not satisfied. So, they late payment marked my credit file, suspended my services 4 times, promised to call me back and never did, lie to me on whats going to happen, mess me about and cause my blood pressure to rise increasingly. And offer £150 Compensation + £15 reoccuring when my bills total around £100 per month every moth. Should I just accept that? Or should I escalate to CISAS or do something more sinister? Any advise or constructive criticism would be welcomed. Thanks

Had the following response from the ICO: I have also escalated the case to the FoS purely to spite them and an investigation is ongoing. I have since heard nothing else from PRA or Mackenzie Hall. Interesting how the ICO decided that by sharing information between brand names was not a breach of the DPA. But the FCA ruled that similar practice by Wonga/QuickBridge was naughty. So in the absence of further letters, emails and calls from PRA and with the case now with the FoS I intend to do nothing until such times as they decide the be silly. That intercom is still broken

I have a virtual machine to one side explicitly offnet from the rest of my computer systems for these !! I would happily waste an hour of their time on a virtual machine which has got nothing of any value on it knowing their getting the bad deal rather than me. Also can sleep at night knowing that was 1 hour or so they weren't messing up someone else's computer. Of course I record the call and the movements in the Virtual Machine on VMware ESX and send it all off to ActionFraud. I may or may not in the past have also modified the firewall so the moment they did the TeamViewer or AMMY download, connected to the Virtual Machine. Changed the outbound NAT direction to load something of offensive nature. Then say on the phone "Yes this is one of the problems I've been having, please fix it for me. I'm fed of this meat spin page coming up every time I want to go into my Online Banking" Really should put some of these on YouTube... The reactions I've had are quite amusing! One said they would contact the UK Border Police to have me deported to face charges of Embarrassment in the Workplace. I told him I was an illegal immigrant for 5 years and they hadn't found me yet so I probably had it coming and cut the line. These :-x:mad2: are nasty pieces of work. In all seriousness and apologies for the caps and large letters: NEVER ACCEPT REMOTE IT SUPPORT FROM COLD CALLERS

Interestingly I went away for the weekend and returned to a letter from Macenzie Hall. Odd you think when I raised a complaint to PRA UK. Whilst I know they PRA own Macenzie Hall or vice versa (can never remember). It immediately made me think of the FCA ruling on Wonga for using different company names to imply a psychological fear onto consumers. Anyhow. PRA did receive that E-Mail and Macenzie Hall have upheld my complaint on the DPA Breach. But there is a snag. The lady who has written to me listened to the call on the 7th July 2014 and has confirmed that I am clearly heard to give incorrect security details and personal account data was released. She was satisfied that a breach of their "Internal Policies" did occur but as the information was released to me as the account holder. They are not satisfied they breached the Data Protection Act in full. Shame I didn't get a friend to make the call Nevertheless, this has gone off to FoS as they did not answer my initial complaint in a reasonable time frame and this reply has gone to them also. I will also copy the response to the ICO. They also want to know more about the reason for the dispute, despite QuickQuid receiving the Account In Dispute notice. Not supplying a CCA, nor responding to my letters asking for clarification on when the account was opened etc. But nevertheless this is water off a ducks back. Macenzie Hall also said their "soft" letter is not a breach of FCA Guidelines and have not upheld that complaint. I am yet to refer this on to the FCA and will do so next week. Now Macenzie Hall have responded I am going to highlight this very clearly that MH responded and not PRA UK which has cast doubt who owns the account. Also highlighting their decision on Wonga. Worth sending a letter to Glasgow Trading Standards just to p155 them off even more...? Any further advice and/or questions? P.S. I have no doubt PRA/MH are reading this thread. So feel free to send Meritforce around guys... My doorbell has never worked and I have no need to fix it. I'd hate to think you'd waste your colleagues fuel and expenses in parking just to stand on the doorstep in the rain pushing a broken buzzer like a muppet for 20 minutes... :|:smile

Ok. Complaints in to FOS and ICO. They did not reply to my above email...

Hmmmm how about this one then? (PDF Attachment) Inter Credit International. It's not addressed to me personally... My flatmate opened it Signed G. Walsh, yet printed Miss Mandy Cole It states contact them immediately... I was handed this letter at 02:45AM. So when I phoned them, they did not pick up anyway It's certainly rather 'threatening' - Failure to comply... Sent an email to them already.. . Waiting for a Final Response... Already have my emails drafted to ICO and FCA. I am not sure the FoS is appropriate. It's a water bill 18 months old. was told my previous flat sharer had paid it they lied Also a breach of "FCA: CONC 7.9 Contact with customers"

You should see their website...! I know I'm one to talk for speelun errorrs etc. But seriously. Here are some examples: "Please note that some banks do not support “Faster Payments”, if this is the situation then the payments can get delayed. Some banks may also charge additional charge." "*Wealth Warning: A payday loan could be a good helping companion for short term borrowing. It is not a long term solution who is in financial difficulty!" "When you take a loan from us, we will setup a Continuous Payment Authority (CPA) against borrower’s debit card.This is to ensure there is a guaranteed payment from borrower’s end while providing the loan." Do any of those sentences make any sense whatsoever? Screams Cowboy Operation to me all over!

Tell a lie, It was Sunday they sent the email. I will monitor my emails over the weekend to see if they send anything else.

Yes. They sent a further email last Saturday. I replied with the following: "Sue me. I am not going to pay" No response as of yet.

Second the suggestion of ignoring them. They don't mark credit files and arvato are just used as a scare tactic. I disputed 2 invoices with 1&1 and they refused to accept my reasons. So I cancelled the account and did a charge back for the 2 invoices. This was approved by my bank and 1&1 started emailing me requesting payment again. I declined. They sent Arvato after me. I spoke to them on the phone (Which you should NEVER do) and they, of course seemed, to imply it was a serious matter. They requested from me a cancellation email which 1&1 never sent. So I started ignoring them. All went quiet after a few weeks and they get bored. I would never touch 1&1 with a bargepole ever again!

Received the following email from Digital Finance Services today: Confirming account balances and ownership without knowing who that email is ever going to reach? Naughty! They no knowledge whether that email account even exists any more. I took a brief look at their website and it is evident that it was made by a drunk or someone who needs serious help with their English Skills. Littered with typos and poor grammar... Lets see what happens if I ignore it then... What would you folks suggest however? The account was disputed with Account In Dispute Notice which I sent long ago...!