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Jenni
Banned
Posts: 9526
Location: England.
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 Posted: Sat, 1st Sep 2007 16:48 Post subject: LOL at this debt letter a friend received! |
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I'll mention that Virgin Media his ISP is his current provider and this is the first letter he's gotten from their collection company. His email replying to them is included too. Virgin Media reckon that he owes them £200.33. He only has one service with them which is his internet connection at £32 a month. Its actually impossible to owe them this much as they cancel your services after five days of the final demand so the amount you can owe them is £175.
Today I received the following disgusting letter:
Dear Mr Craig V****
Your file is being reviewed to decide the best course of action to take which may lead to either court action or a personal visit by one of my field officers.
In addition I am obliged to inform you that you are now on a 72 hour notice, and therefore you only have yourself to blame if you fail to deal with this matter prior to the expiry of this time.
The way you have treated this account is totally unacceptable and non-compliance after legal proceedings have been commenced may require you to attend court to answer questions about your lifestyle.
Without any doubt whatsoever we can prove to the court that we have made every effort to resolve this unpaid debt and I strongly suggest me without further delay;
Please note that in the absence of payment or any valid dispute we will pursue this matter - with or without your cooperation.
Yours Sincerely
Peter Butcher.
Well Mr Butcher I would speak to you direct but seeing as you don't take phonecalls (I suspect that it's beyond your intelligence to use a phone) I look forward to you initiating any court action. After all I owe Virgin Media nothing except next months payment which is not due until the 15th of next month.
You say I've treated this account in an unacceptable way. If you mean making payments is unacceptable then I would agree. But I think its due to the fact that for some idiotic reason you have made a monumental mistake regarding me.
So you can prove without any doubt whatso ever that you have made every effort to resolve this unpaid debt and you strongly suggest that I contact you without further delay.
Great I suggest that you provide that proof in court because when I show my solicitor (Row and Scott) this letter I'm sure they'll represent me in a legal action against your company of lazy idiots.
If you had made a less inept effort to do your job I wouldn't have any complaint as you wouldn't have a case against me. It may interest you that I'm sending this email through my account with Virgin Media, therefore I am still receiving thier services. Now why would that be? Well its obvious isn't it. I mean they surely would suspend my account if I hadn't paid them. But as I said earlier I owe them not one penny.
I suggest that you NEVER send me a disgusting threatening letter like this again and get off your lazy backside and make sure that your clients have a legitimate complaint instead of sending filth like this. I also suggest that you change your wording of your standard letter to make it less abusive, because I for one will not tolerate it.
Yours Faithfully
Craig V****.
P.S. I'd like to point out that you don't use sincerely in anything but a personal letter and faithfully is the correct use. Also the correct way to use 72 hours in a sentence is seventy two hours. Maybe you'd like to fund whoever wrote the abuse that was sent to me some English lessons.
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nouseforaname
Über-VIP Member
Posts: 21306
Location: Toronto, Canada
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Jenni
Banned
Posts: 9526
Location: England.
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| Posted: Sat, 1st Sep 2007 20:53 Post subject: |
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Yeah he was seriously pissed off. Especially after he rang them and asked to speak to peter butcher and was told he doesn't take phone calls. I think that letter is terrible considering its a first letter he's had after being with them for a number of years.
On their site I found this:
What makes Roxburghe truly stand out from a traditional debt recovery agency is the diligence we apply to training and developing our personnel. This is how we ensure that all our accounts are dealt with sensitively, according to their situation. Our goal is a positive outcome for all.
Sensitivity they must be joking. He was told on the phone when he asked to speak to butcher "have you finished". He said he wanted an apology and was told that he needed to prove all payments he's made to them. You don't get proof of payment through Telewests online or telephone payment options. So they asked for a bank statement which I find extremely insulting, I know he did too.
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LeoNatan
☢ NFOHump Despot ☢
Posts: 73240
Location: Ramat HaSharon, Israel 🇮🇱
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| Posted: Sat, 1st Sep 2007 21:57 Post subject: |
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Shit like this happens all the time here in IL. It's very annoying, but he can make this spin to his advantage. He should sue them for personal damages (or whatever it's called) because he was 'really stressed' by that letter. It usually holds and they'll settle out of court for a good amount of money.
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Jenni
Banned
Posts: 9526
Location: England.
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| Posted: Sat, 1st Sep 2007 22:07 Post subject: |
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I doubt that would work here because of one letter. We don't tend to sue unless of personal injury here. Or if you're rich and famous liable.
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LeoNatan
☢ NFOHump Despot ☢
Posts: 73240
Location: Ramat HaSharon, Israel 🇮🇱
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| Posted: Sat, 1st Sep 2007 22:15 Post subject: |
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Well, he could find some dubious shrink that will write a letter saying he was deeply upset by the letter. Don't know how it is in England, but here in IL that works. 
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Jenni
Banned
Posts: 9526
Location: England.
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| Posted: Sat, 1st Sep 2007 22:22 Post subject: |
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Nah we rarely use shrinks either.
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| Posted: Sat, 1st Sep 2007 23:52 Post subject: |
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Could always go the harassment route? I'm sure once lawyers or whatever get involved they'll find a way to prove he's paid. So if I were him I would just get a court date set and let it be that.
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deelix
PDIP Member
Posts: 32062
Location: Norway
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| Posted: Sun, 2nd Sep 2007 00:18 Post subject: |
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that would make the headlines here...
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Jenni
Banned
Posts: 9526
Location: England.
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| Posted: Sun, 2nd Sep 2007 00:49 Post subject: |
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They're always cocking up here. It's a pretty normal thing here.
He's left the ball in their court. He's hoping they do take him to court. He should have a good chance of winning too. He's an expert in going to court he's been in there quite a few times lately.
He was up on benefit fraud charges in April. The Jobcentre made a mistake and paid him the wrong benefit and they took him to court on fraud. He was found not guilty. At 38 he's got no criminal record and nearly had one because of the halfwits. He's probably the most unluckiest person I know. He's looking hard for a job but as he's only just passed his HGV test in May he's getting turned away for not having experience. Poor guy.
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| Posted: Sun, 2nd Sep 2007 13:35 Post subject: |
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I guess it's a common courtesy to send your thretening "seventy-two" hour notices to the right people; but why would someone get so upset over nothing? He knows they made a misstake, so even if there's any fallout, the company will settle with him nicely. I would reply kindly, that they got the wrong E-mail. That this is "Ron" from "Brazil", and you've never even heard of any "Peter". Why get so upset and call the other line "an idiot"? In a perfect system hill-billies would pay thier bills and "Peter" would know the right e-mail from his asshole. But this isn't a perfect world...
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Jenni
Banned
Posts: 9526
Location: England.
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| Posted: Sun, 2nd Sep 2007 13:53 Post subject: |
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It wasn't an email it was a letter though the door. I would be pretty upset to receive such a threatening, insulting letter too. So I can understand how he feels. I don't understand what you mean I think you're confused. The threatening letter was sent by Peter to my friend and when my friend rings up as per instructions on the letter he's told that peter doesn't accept phone calls. Then they go on to question his lifestyle when it has no buisness of theirs. He pays the bills as proven by the email he sent from his account.
If the letter was worded in a less abusive manner then I'm sure he would have rang up and politely informed them of their mistake. As such the letter wasn't worded in a civilised manner so they can't expect a civilised reply can they.
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| Posted: Sun, 2nd Sep 2007 16:45 Post subject: |
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Oh, well, in that case; I still think that unless you've done something wrong you shouldn't care. 
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Jenni
Banned
Posts: 9526
Location: England.
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| Posted: Sun, 2nd Sep 2007 20:58 Post subject: |
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What about the fact he's done nothing wrong but they have and he wants some kind of apology. I think after the wording of that letter he deserves it.
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nouseforaname
Über-VIP Member
Posts: 21306
Location: Toronto, Canada
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| Posted: Sun, 2nd Sep 2007 20:59 Post subject: |
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fuck them, he should fucking letterbomb the cunts. no fucking mercy.
asus z170-A || core i5-6600K || geforce gtx 970 4gb || 16gb ddr4 ram || win10 || 1080p led samsung 27"
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Jenni
Banned
Posts: 9526
Location: England.
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| Posted: Sun, 2nd Sep 2007 21:41 Post subject: |
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A letter bomb is a bit extreme lol. However he is looking forward to a reply to the email he sent to them.
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nouseforaname
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Posts: 21306
Location: Toronto, Canada
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| Posted: Sun, 2nd Sep 2007 21:50 Post subject: |
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lol, I was joking ... not about the 'fuck them' part though. Seriously, they are such fucking pricks. Imagine you lost the bill, or moved, and didn't pay by accident, they have no remorse for you.
true story, about 2.5 years ago I moved from uni and forgot to change my address on a bill. I didn't realize that I had an outstanding balance (I had only made a payment of only $200 / $250 and not the whole balance), so I never gave it another thought. I was a bit rushed leaving school as I was starting my new job within days of moving. Honest mistake, and I've used and repaid a few thousand in credit from this place.
Fast forward two years later, and we're thinking about getting a mortgage. Well, turns out I have a fucking permanent 'I'm a fucking deadbeat' mark on my credit record now because of this $50. And the place I had the credit with has my addresses on file (Futureshop electonic store, they do that when you get an extended warranty), but they made no attempt to see if they could contact me. Nobody cares that I'm making $60K/year (with my gf we make 100K+) ... they just care about this fucking $50. So yeah, much more of a downpayment is going to be needed, which is why we are still renting. When I found out about this (the mortgage broker told me), I felt like such a fucking deadbeat (gf's credit is perfect) ... it was depressing that we weren't going to be able to buy a place, and it was my fault entirely.
so yeah, I guess I'm saying I don't blame him for taking it to the fuckers. they could give a shit about you, so fuck them.
asus z170-A || core i5-6600K || geforce gtx 970 4gb || 16gb ddr4 ram || win10 || 1080p led samsung 27"
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Jenni
Banned
Posts: 9526
Location: England.
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| Posted: Sun, 2nd Sep 2007 22:08 Post subject: |
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Nasty story. Heres one for you. The guy who received that letter.
He bought a place with his girlfriend at just the right time it was a buyers market before house prices rocketed. They got it for £27000.
She pissed off with another guy within two weeks of moving in and never paid a single penny towards the mortgage. She started proceedings against him to sell the place. This went on for three years and the value of the place he bought went upto £67000. So a £40k profit. Now in this country if they're not married its split 50/50.
She got £20000 he got £20000. But the court costs were awarded against him which came to a massive amount of £16000. So out of £40000 which I think the lot should have went to him he got £4000. A fucking disgrace. She also left him with creditcard bills and other debts.
They got a joint bank account before she left and he thought she was cheating on him so he never had his wages paid into the joint account. But she still withdrew the £100 overdraft. They didnt pursue her for the cash so they took him to court. He had to pay them £300 including costs.
I still can't believe it as he proved that it was her card that drew the money out of the bank.
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nouseforaname
Über-VIP Member
Posts: 21306
Location: Toronto, Canada
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| Posted: Sun, 2nd Sep 2007 22:14 Post subject: |
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| Jenni wrote: | Nasty story. Heres one for you. The guy who received that letter.
He bought a place with his girlfriend at just the right time it was a buyers market before house prices rocketed. They got it for £27000.
She pissed off with another guy within two weeks of moving in and never paid a single penny towards the mortgage. She started proceedings against him to sell the place. This went on for three years and the value of the place he bought went upto £67000. So a £40k profit. Now in this country if they're not married its split 50/50.
She got £20000 he got £20000. But the court costs were awarded against him which came to a massive amount of £16000. So out of £40000 which I think the lot should have went to him he got £4000. A fucking disgrace. She also left him with creditcard bills and other debts.
They got a joint bank account before she left and he thought she was cheating on him so he never had his wages paid into the joint account. But she still withdrew the £100 overdraft. They didnt pursue her for the cash so they took him to court. He had to pay them £300 including costs.
I still can't believe it as he proved that it was her card that drew the money out of the bank. |
I guess this is a testament as to why you need to be VERY sure about who you move in with and share your credit/financial assets with. It would appear you can get screwed over pretty easily.
Why so much for court costs? Couldn't the matter be settled out of court? I take it he didn't want to give her a dime from the beginning? I guess when you really can't stand someone it's hard to reach a compromise, but sometimes you gotta realize you're fucked no matter what and move on.
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Jenni
Banned
Posts: 9526
Location: England.
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| Posted: Sun, 2nd Sep 2007 22:22 Post subject: |
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I think in this country women get a far better crack of the whip when it comes to civil court cases. The courts natually think that the man is to blame if anything goes wrong in a relationship. Of course it goes both ways. She was a slut and I know that she was cheating on him a while before she stuck the knife in. I suppose when you love someone as much as he loved her you try to ignore whats really happening. I don't know why he thought so highly of her either. She was a bitch. A goodlooking bitch, but a bitch nevertheless. I worry about him because he seems to make himself more and more isolated all the time. Going out less, not socialising. I suppose thats what it can do to you being hurt like he was. I think if the court ruling had been fair then he would have been better off not just in the pocket but morally too.
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| Posted: Wed, 5th Sep 2007 02:39 Post subject: |
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I put Bulldog internet through a CISAS judicial hearing earlier this year. They claimned I owed them nearly £600.00 for a service I never recieved. They cleared the account once CISAS ruled against them. Never use them, there lazy stupid and there customer service is crap. UK is a total rip off on just obout everthing. Tax, car fuel, Nat Insurance, Service providers, and no one ever complains...
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Jenni
Banned
Posts: 9526
Location: England.
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| Posted: Wed, 5th Sep 2007 03:01 Post subject: |
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That's just it. I mean its because as we're British we never complain, we're too conservative. But my mate will. He hates injustice.
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| Posted: Wed, 5th Sep 2007 03:46 Post subject: |
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k my true story might be a little different than the rest of you.
I live in Canada and we've always used Bell Sympatico as our ISP. Around August 10th we switched to Comcast because it had the same speed as the one we were using but at almost half the price. The sales person at the store said we would just have to switch the modem, activate an account online (with a provided activation key that came with the modem) and we'll be ready to use the internet.
So I set it up, did just that, but when I tried to connect to the internet for account activation (they give you a temp account for internet), it didn't work. So I called Comcast and asked them why it wasn't working, the customer service guy said it's okay, I'll activate your account manually.
So I try it again, with my new comcast account. Nope wont connect again, I noticed that the modem has the connection light flashing between green and yellow. So I call Comcast again, asking them why it wasn't working. The guy asked me a bunch of questions on how I set up everything and then told me it was the phone filters from Bell that is screwing things up (the salesperson said it would work, so I never switched them). So I change the phone filters.
Trying once again (this is already hours into the installation), and still it didn't work. So I call them again, and the support guy asks me the same questions again, seemingly out of ideas, he suggested that the splitter I have for the phone jack (used so I can have one to the phone, another to the modem) is screwing up the connection... So I disconnect the splitter. I was determined to stay on the line this time until the problem was fixed, but because my phone was connected to the splitter I had to hang up to try.
And again, didn't work. I call them again and tried a few other tweaks in IE, but none worked and I called it a night.
The second morning, with the EXACT same setup, the internet started working. It worked for a few days and then went down again.
So I call them again, this time they tell me that because I live in a very Northern part of Burlington (A city near Toronto), their service signal is very weak. They have to get _Bell_ (our original ISP provider, aka their Competitor), who owns the phone lines, to go and boost their signal. The support guy said that he would file a ticket to the engineers and it should be fixed in a day or two.
The next day I call them, they told me that it was too early.
2nd day, I called them again, they told me it wasn't answered.
3rd day, same thing.
4th day, I demanded answers, and the support guy finally slipped the important info that was kept from me. He said these tickets are answered when they are solved, and my problem was simply not solved yet and told me to wait.
So there is me, without internet for more than around a week, on the phone with the tech guy who just told me that I might have to wait MORE to get my internet.
I canceled my Comcast service and went back to Bell 
The funny thing was, when I was trying to cancel my account in their customer support department, the woman was asking me why I wanted to cancel. So I told her what happened and she replied, I am going to redirect you to tech support to see if they can fix your problem... I told her to check it herself and few minutes later she told me that she is going to let me cancel my account, without charge 
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| Posted: Sun, 9th Sep 2007 06:36 Post subject: |
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heh Comcast isnt all that good. I live in burlington aswell and know how bad comcast is there. I use bell myself. Glad to see another burlington member.
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