As regular HPANWO-readers will know, I've been involved in a
minor issue regarding an unpaid mobile phone bill about which I recently posted
an update, see: http://hpanwo-tv.blogspot.co.uk/2014/01/give-me-back-my-debt.html.
I've received a reply from both O2 and also Lowell Portfolio I; strangely
enough, even though there has been a delay of almost a month since I wrote to
them, both letters arrived in the same post. This also happened last time they
replied to me.
Here's O2's (with my comments in brackets):
Hello Benjamin, (Benjamin!? Nobody has called me that for
years! My mother used to when she was angry with me.)
Telefonica O2 UK Ltd
are registered under the FSA (Financial Services authority) and the deed of
assignment will be in the terms and conditions that the customer agreed to where
the contract was taken out. They were hold of personal copy of this themselves
(sic) which was posted when the account was opened. If you'd like to review
your copy please visit the O2 website.
02 are not bound by
the CCA (Consumer Credit Association) like a bank or credit agreement and
therefore do not have to issue a default notice or deed of assignment. This
account has now been sold on to Lowell
and we are unable to deal with your query.
Please contact Lowell
directly in relation to this account.
Regards
O2 Debt Management
Team.
So they're refusing to address the points I made in my
original letter; they're simply hiding behind some clause of the FSA handbook
which allows them to breach basic contract law and the fundamental rules of
economics.
Let's have a look at the letter from Lowell :
Dear Mr Emlyn-Jones,
Thank you for taking
time to contact us recently.
I confirm that your
complaint has now been passed to the Customer Relations Department who will
carry out a thorough investigation. We will investigate this as quickly as we
can and we may need to contact you for further information to provide you with
an update. If we can contact you by telephone, we will be able to discuss your
concerns directly with you and hopefully agree a resolution with you verbally;
this is the quickest and easiest way for us to resolve this for you. I would
like to assure you that your account will be placed on hold, and we will stop
all collections activity whilst dealing with your complaint. We enclose a copy
of our internal complaints procedure for your information. Please take time to
read this, as it explains following the steps we will follow in responding to
your complaint.
In the meantime if
you have any queries please do not hesitate to contact my team by calling the
free telephone number which brings you directly through to the Customer
Relations Department.
Yours sincerely,
(name)
Head of Compliance. Lowell Portfolio I Ltd
(The signature
attached the name is printed)
Head of Compliance?
Goodness, that sounds scary! Does he carry a whip and electric baton? This is
quite clearly just a template letter with my name inserted. They send them off
to anybody who initiates any kind of grievance against them. Clearly they're
not going to answer my questions at this time.
What strikes me about both these letters is that I don't
feel I'm dealing with a living person. The tone makes me feel I'm addressing a
soulless machine. I wouldn't be surprised if I am, especially with the second
letter. Of course I could always phone their helpline as they advise me to, but
even then, how do I know I'm dealing with a human being? This chilling YouTube
video demonstrates that I cannot know, see: https://www.youtube.com/watch?v=22ZaKbxmEMA.
You can bet the programmers are right at this moment updating the software to
make the voice able to say the words: "I am not a robot".
I am not a robot...that was pretty Scary.
ReplyDeletegood article ben :)
Yes we need our own "animal farm" ie country that savee our humanity, to live in peace and be humans and ot controlled by international-Capitalism.
God bless!
Thanks, Highland :-)
ReplyDeleteGod bless