Tweet
So, here we are with my own story. I should warn you at the start that unless your idea of fun is watching black paint dry in a coal cellar at midnight you may want to leave now. Witty and entertaining this will not be. This case has been dragging on so long now I need FOUR initial posts to outline it.
I doubt whether it is actually worth my while to start a diary as this one alleged debt is all that I am saddled with. There was one other loan account on which the last payment was made in May 2005. During the spring of 2011 I was expecting something to crawl out of the woodwork, but....nothing happened.
This farce has now dragged on longer than Gone With The Wind and it is a miracle that all of the characters aren't already dead. Crapbot employees are all dead, of course, but sadly only from the neck up. In 2003, I temporarily anaesthetised my brain cells and took out a Crap One credit card. I know, you don't need to tell me.
For reasons which are far too involved to get into here, the balance ended up crossing the limit. There was PPI added without my consent, the usual charges and bogus interest, a case where goods were paid for but not delivered which should have been rectified by s.75, and other “irregularities” I shan't mention here.
Crap One, of course, are thicker than a rhino's arse and twice as stubborn. After submitting the necessary complaints to the executives office and a charmless oaf known as Robert Udy (possibly an acronym for Unpleasant Dishonest Yob), the complaint was then escalated to what we now know as the Fobbing Off Service. Guess what? I was fobbed off. At this stage, (Al) Capone decided to extort money from the taxpayer and hand this turkey over to Crapbot Farcical.
At that stage, I was a 'lone warrior'. I had no-one to advise me, no-one to talk to except the lamppost outside my bedroom window, and I certainly had never heard of any consumer forums. When Crappy Bot came on the scene, I did my research on the Internet and found the old CAG forum (so much better than the current one!).
I sent off the necessary s.78 request to Crapbot, along with a £1 postal order. Then, as now, it was the usual policy of Crapbot to refuse the payment and to return it to the sender. Why, then, in my case did the little darlings do something completely different? They misappropriated my statutory fee, applied it to the alleged account, and sent me a letter thanking me for my payment! Of course, this became the subject of a formal complaint, and Crappy Bot did reverse this and back down!
The question is, why would they want to behave like that in the first place? It is obviously a pathetic attempt to restart the limitation clock, but why is that seen as a worthwhile objective when they have four years in which to litigate in any case? It was a mystery to me then, and it remains as large a mystery to this day.
Eventually, Crapbot did send me the documents to satisfy the s78 request. The so called agreement was a simple short appo form with nothing vaguely resembling a prescribed term anywhere in sight. It was as enforceable as a second-hand bog roll (notwithstanding Mr. Tilley's entirely correct observation that nothing is unenforceable until the court deems it so).
This, of course, did not stop Crappy Bot bringing out their thickest smoke and most obliquely angled mirrors. It was the usual tosh which everyone gets, about section 189 referring to the embodiment of a provision therefore the terms can be branded on an elephant's arse in the African jungle and don't have to be anywhere near the signature page. Anyone acquainted with Crapbot will also be acquainted with this bovine excrement.
Hmm. I'd better leave this post here. If you're bored enough, tune in for part two.
SH
I doubt whether it is actually worth my while to start a diary as this one alleged debt is all that I am saddled with. There was one other loan account on which the last payment was made in May 2005. During the spring of 2011 I was expecting something to crawl out of the woodwork, but....nothing happened.
This farce has now dragged on longer than Gone With The Wind and it is a miracle that all of the characters aren't already dead. Crapbot employees are all dead, of course, but sadly only from the neck up. In 2003, I temporarily anaesthetised my brain cells and took out a Crap One credit card. I know, you don't need to tell me.
For reasons which are far too involved to get into here, the balance ended up crossing the limit. There was PPI added without my consent, the usual charges and bogus interest, a case where goods were paid for but not delivered which should have been rectified by s.75, and other “irregularities” I shan't mention here.
Crap One, of course, are thicker than a rhino's arse and twice as stubborn. After submitting the necessary complaints to the executives office and a charmless oaf known as Robert Udy (possibly an acronym for Unpleasant Dishonest Yob), the complaint was then escalated to what we now know as the Fobbing Off Service. Guess what? I was fobbed off. At this stage, (Al) Capone decided to extort money from the taxpayer and hand this turkey over to Crapbot Farcical.
At that stage, I was a 'lone warrior'. I had no-one to advise me, no-one to talk to except the lamppost outside my bedroom window, and I certainly had never heard of any consumer forums. When Crappy Bot came on the scene, I did my research on the Internet and found the old CAG forum (so much better than the current one!).
I sent off the necessary s.78 request to Crapbot, along with a £1 postal order. Then, as now, it was the usual policy of Crapbot to refuse the payment and to return it to the sender. Why, then, in my case did the little darlings do something completely different? They misappropriated my statutory fee, applied it to the alleged account, and sent me a letter thanking me for my payment! Of course, this became the subject of a formal complaint, and Crappy Bot did reverse this and back down!
The question is, why would they want to behave like that in the first place? It is obviously a pathetic attempt to restart the limitation clock, but why is that seen as a worthwhile objective when they have four years in which to litigate in any case? It was a mystery to me then, and it remains as large a mystery to this day.
Eventually, Crapbot did send me the documents to satisfy the s78 request. The so called agreement was a simple short appo form with nothing vaguely resembling a prescribed term anywhere in sight. It was as enforceable as a second-hand bog roll (notwithstanding Mr. Tilley's entirely correct observation that nothing is unenforceable until the court deems it so).
This, of course, did not stop Crappy Bot bringing out their thickest smoke and most obliquely angled mirrors. It was the usual tosh which everyone gets, about section 189 referring to the embodiment of a provision therefore the terms can be branded on an elephant's arse in the African jungle and don't have to be anywhere near the signature page. Anyone acquainted with Crapbot will also be acquainted with this bovine excrement.
Hmm. I'd better leave this post here. If you're bored enough, tune in for part two.
SH
Comment