Default removal

simon_or

Deleted_User said:

simon_or said:

Deleted_User said:

simon_or said:

Deleted_User said:

simon_or said:

@campermann If they've refunded a substantial portion of the balance that was defaulted, it's definitely worth a formal complaint asking for the default to be removed. If they reject the complaint or its 8 weeks since the complaint was made, escalate it to the FOS.

Whether or not you will succeed with the complaint depends on the facts but don't-ask don't-get. Raising a complaint and seeing it through is cost-free for you and will not take not much of your time at all.

I would recommend using the MSE resolver tool to make the complaint, it handholds you through the process and helps keep you on track.

There is no reason to use a third party that will harvest your data and sell it on (anonymised) 

Just write and complain about the problem

I respectfully disagree. There are definitely a lot of people (like me) that would benefit from the handholding and prompts that Resolver provides to help see a complaint through. You may not fall in that bucket, but that doesn't mean that's the case for everyone.

You can simply send a letter to the bank detailing your complaint. Or give your data to third parties and hope they deal with it appropriately and correctly. There is no reason to use a third party for a complaint but if you want to give away all your private data then you are welcome to do so.

Again, I disagree. Not respectfully this time, because your posts are quite condescending.

Plenty of businesses provide a free service and harvest/monetise anonymised private data - Google, WhatsApp, all high-street banks, etc. etc.

There is no reason to be paranoid about such services them but if you want to think that they are the devil's spawn and avoid them, then you are welcome to do so.

I am not being condescending, I am pointing out the facts

It is ALWAYS easier and better to simply complain to the firm directly. You write a letter or send an email or use direct messaging or ring - that way you guarantee whatever your complaint reason is will be exactly as you want it to be without any third party changing the message or reinterpreting it or adding in irrelevant or incorrect data.

Whenever you involve a third party (whether you are concerned about them harvesting your data for profit or not is a different issue) you always run the risk of whatever message you want to convey being garbled or misinterpreted or even sent to the wrong place entirely.

You can find plenty of examples on the PPI forum of resolver complaints going to the wrong place, having the wrong details etc.

You can find complaint sample letters on Debt Camel, Citizen's Advice etc

Again, I disagree. I do find your posts to be condescending and what you wrongly characterise as "facts" are merely your opinion. Strongly held perhaps, but still an opinion. Not everyone needs to accept your opinion as fact.

It most definitely is NOT ALWAYS "better to go direct". It that were the case no one should use a mortgage broker (they communicate with the lender on your behalf, fill in the application form, respond to queries during underwriting, etc.) or comparison sites (which transfer data input by you to multiple providers), etc.

I'm glad that you have set aside the issue of monetising data and are now focusing on the risk of errors due to the use of an intermediary. I have used Resolver for years for all sorts of complaints and never had an issue with it being 'mistranslated' but if you blindly use suggested wording (or for that matter readymade templates) it could happen occasionally, as it could if you spoke to the Barclays call centre in India to make a complaint.

longjohnjohnson

simon_or said:

Deleted_User said:

simon_or said:

Deleted_User said:

simon_or said:

Deleted_User said:

simon_or said:

@campermann If they've refunded a substantial portion of the balance that was defaulted, it's definitely worth a formal complaint asking for the default to be removed. If they reject the complaint or its 8 weeks since the complaint was made, escalate it to the FOS.

Whether or not you will succeed with the complaint depends on the facts but don't-ask don't-get. Raising a complaint and seeing it through is cost-free for you and will not take not much of your time at all.

I would recommend using the MSE resolver tool to make the complaint, it handholds you through the process and helps keep you on track.

There is no reason to use a third party that will harvest your data and sell it on (anonymised) 

Just write and complain about the problem

I respectfully disagree. There are definitely a lot of people (like me) that would benefit from the handholding and prompts that Resolver provides to help see a complaint through. You may not fall in that bucket, but that doesn't mean that's the case for everyone.

You can simply send a letter to the bank detailing your complaint. Or give your data to third parties and hope they deal with it appropriately and correctly. There is no reason to use a third party for a complaint but if you want to give away all your private data then you are welcome to do so.

Again, I disagree. Not respectfully this time, because your posts are quite condescending.

Plenty of businesses provide a free service and harvest/monetise anonymised private data - Google, WhatsApp, all high-street banks, etc. etc.

There is no reason to be paranoid about such services them but if you want to think that they are the devil's spawn and avoid them, then you are welcome to do so.

I am not being condescending, I am pointing out the facts

It is ALWAYS easier and better to simply complain to the firm directly. You write a letter or send an email or use direct messaging or ring - that way you guarantee whatever your complaint reason is will be exactly as you want it to be without any third party changing the message or reinterpreting it or adding in irrelevant or incorrect data.

Whenever you involve a third party (whether you are concerned about them harvesting your data for profit or not is a different issue) you always run the risk of whatever message you want to convey being garbled or misinterpreted or even sent to the wrong place entirely.

You can find plenty of examples on the PPI forum of resolver complaints going to the wrong place, having the wrong details etc.

You can find complaint sample letters on Debt Camel, Citizen's Advice etc

Again, I disagree. I do find your posts to be condescending and what you wrongly characterise as "facts" are merely your opinion. Strongly held perhaps, but still an opinion. Not everyone needs to accept your opinion as fact.

It most definitely is NOT ALWAYS "better to go direct". It that were the case no one should use a mortgage broker (they communicate with the lender on your behalf, fill in the application form, respond to queries during underwriting, etc.) or comparison sites (which transfer data input by you to multiple providers), etc.

I'm glad that you have set aside the issue of monetising data and are now focusing on the risk of errors due to the use of an intermediary. I have used Resolver for years for all sorts of complaints and never had an issue with it being 'mistranslated' but if you blindly use suggested wording (or for that matter readymade templates) it could happen occasionally, as it could if you spoke to the Barclays call centre in India to make a complaint.

We're not talking about a mortgage broker.  We're talking about an entity that takes your complaint and puts it in a letter and sends it to the company you're complaining to.  They add no value at all to the process.

The OP won't get the default removed, either.  The refund they're clinging onto is utterly irrelevant to them not paying their bills on time.

simon_or

longjohnjohnson said:

simon_or said:

Deleted_User said:

simon_or said:

Deleted_User said:

simon_or said:

Deleted_User said:

simon_or said:

@campermann If they've refunded a substantial portion of the balance that was defaulted, it's definitely worth a formal complaint asking for the default to be removed. If they reject the complaint or its 8 weeks since the complaint was made, escalate it to the FOS.

Whether or not you will succeed with the complaint depends on the facts but don't-ask don't-get. Raising a complaint and seeing it through is cost-free for you and will not take not much of your time at all.

I would recommend using the MSE resolver tool to make the complaint, it handholds you through the process and helps keep you on track.

There is no reason to use a third party that will harvest your data and sell it on (anonymised) 

Just write and complain about the problem

I respectfully disagree. There are definitely a lot of people (like me) that would benefit from the handholding and prompts that Resolver provides to help see a complaint through. You may not fall in that bucket, but that doesn't mean that's the case for everyone.

You can simply send a letter to the bank detailing your complaint. Or give your data to third parties and hope they deal with it appropriately and correctly. There is no reason to use a third party for a complaint but if you want to give away all your private data then you are welcome to do so.

Again, I disagree. Not respectfully this time, because your posts are quite condescending.

Plenty of businesses provide a free service and harvest/monetise anonymised private data - Google, WhatsApp, all high-street banks, etc. etc.

There is no reason to be paranoid about such services them but if you want to think that they are the devil's spawn and avoid them, then you are welcome to do so.

I am not being condescending, I am pointing out the facts

It is ALWAYS easier and better to simply complain to the firm directly. You write a letter or send an email or use direct messaging or ring - that way you guarantee whatever your complaint reason is will be exactly as you want it to be without any third party changing the message or reinterpreting it or adding in irrelevant or incorrect data.

Whenever you involve a third party (whether you are concerned about them harvesting your data for profit or not is a different issue) you always run the risk of whatever message you want to convey being garbled or misinterpreted or even sent to the wrong place entirely.

You can find plenty of examples on the PPI forum of resolver complaints going to the wrong place, having the wrong details etc.

You can find complaint sample letters on Debt Camel, Citizen's Advice etc

Again, I disagree. I do find your posts to be condescending and what you wrongly characterise as "facts" are merely your opinion. Strongly held perhaps, but still an opinion. Not everyone needs to accept your opinion as fact.

It most definitely is NOT ALWAYS "better to go direct". It that were the case no one should use a mortgage broker (they communicate with the lender on your behalf, fill in the application form, respond to queries during underwriting, etc.) or comparison sites (which transfer data input by you to multiple providers), etc.

I'm glad that you have set aside the issue of monetising data and are now focusing on the risk of errors due to the use of an intermediary. I have used Resolver for years for all sorts of complaints and never had an issue with it being 'mistranslated' but if you blindly use suggested wording (or for that matter readymade templates) it could happen occasionally, as it could if you spoke to the Barclays call centre in India to make a complaint.

We're not talking about a mortgage broker.  We're talking about an entity that takes your complaint and puts it in a letter and sends it to the company you're complaining to.  They add no value at all to the process.

The OP won't get the default removed, either.  The refund they're clinging onto is utterly irrelevant to them not paying their bills on time.

"We" never had any interaction but the person I responded to also talked about intermediaries in general, hence my examples.

It's fine if you think Resolver doesn't "add value" but to me it definitely does, in the following ways - no messing about trying to find how to make a formal complaint (providers don't always make it easy), customisable template forms for the most common issues, your whole complaint+communication+evidence in one place, reminders to follow-up, reminders to escalate as per the relevant timelines, etc.

Again, you might think it better to do all the above by yourself with no tools and have the time and mindspace to do so, but that doesn't automatically mean that everyone needs to agree.

Disagree with your opinion about the default as well. There's not enough to info to know what the outcome might be, but Imho it's definitely worth a formal complaint, using Resolver or not.

longjohnjohnson

simon_or said:

longjohnjohnson said:

simon_or said:

Deleted_User said:

simon_or said:

Deleted_User said:

simon_or said:

Deleted_User said:

simon_or said:

@campermann If they've refunded a substantial portion of the balance that was defaulted, it's definitely worth a formal complaint asking for the default to be removed. If they reject the complaint or its 8 weeks since the complaint was made, escalate it to the FOS.

Whether or not you will succeed with the complaint depends on the facts but don't-ask don't-get. Raising a complaint and seeing it through is cost-free for you and will not take not much of your time at all.

I would recommend using the MSE resolver tool to make the complaint, it handholds you through the process and helps keep you on track.

There is no reason to use a third party that will harvest your data and sell it on (anonymised) 

Just write and complain about the problem

I respectfully disagree. There are definitely a lot of people (like me) that would benefit from the handholding and prompts that Resolver provides to help see a complaint through. You may not fall in that bucket, but that doesn't mean that's the case for everyone.

You can simply send a letter to the bank detailing your complaint. Or give your data to third parties and hope they deal with it appropriately and correctly. There is no reason to use a third party for a complaint but if you want to give away all your private data then you are welcome to do so.

Again, I disagree. Not respectfully this time, because your posts are quite condescending.

Plenty of businesses provide a free service and harvest/monetise anonymised private data - Google, WhatsApp, all high-street banks, etc. etc.

There is no reason to be paranoid about such services them but if you want to think that they are the devil's spawn and avoid them, then you are welcome to do so.

I am not being condescending, I am pointing out the facts

It is ALWAYS easier and better to simply complain to the firm directly. You write a letter or send an email or use direct messaging or ring - that way you guarantee whatever your complaint reason is will be exactly as you want it to be without any third party changing the message or reinterpreting it or adding in irrelevant or incorrect data.

Whenever you involve a third party (whether you are concerned about them harvesting your data for profit or not is a different issue) you always run the risk of whatever message you want to convey being garbled or misinterpreted or even sent to the wrong place entirely.

You can find plenty of examples on the PPI forum of resolver complaints going to the wrong place, having the wrong details etc.

You can find complaint sample letters on Debt Camel, Citizen's Advice etc

Again, I disagree. I do find your posts to be condescending and what you wrongly characterise as "facts" are merely your opinion. Strongly held perhaps, but still an opinion. Not everyone needs to accept your opinion as fact.

It most definitely is NOT ALWAYS "better to go direct". It that were the case no one should use a mortgage broker (they communicate with the lender on your behalf, fill in the application form, respond to queries during underwriting, etc.) or comparison sites (which transfer data input by you to multiple providers), etc.

I'm glad that you have set aside the issue of monetising data and are now focusing on the risk of errors due to the use of an intermediary. I have used Resolver for years for all sorts of complaints and never had an issue with it being 'mistranslated' but if you blindly use suggested wording (or for that matter readymade templates) it could happen occasionally, as it could if you spoke to the Barclays call centre in India to make a complaint.

We're not talking about a mortgage broker.  We're talking about an entity that takes your complaint and puts it in a letter and sends it to the company you're complaining to.  They add no value at all to the process.

The OP won't get the default removed, either.  The refund they're clinging onto is utterly irrelevant to them not paying their bills on time.

"We" never had any interaction but the person I responded to also talked about intermediaries in general, hence my examples.

It's fine if you think Resolver doesn't "add value" but to me it definitely does, in the following ways - no messing about trying to find how to make a formal complaint (providers don't always make it easy), customisable template forms for the most common issues, your whole complaint+communication+evidence in one place, reminders to follow-up, reminders to escalate as per the relevant timelines, etc.

Again, you might think it better to do all the above by yourself with no tools and have the time and mindspace to do so, but that doesn't automatically mean that everyone needs to agree.

Disagree with your opinion about the default as well. There's not enough to info to know what the outcome might be, but Imho it's definitely worth a formal complaint, using Resolver or not.

Of course you disagree but you're wrong.

Barclays registered a default in line with their processes.  The fact that an advisor falsely claimed they'd fiddle with it doesn't change the fact that they paid after the deadline and a default was correctly applied.

£50 compo from Barclays, maybe £75 from the FOS if they're willing to wait a year.  Default will stand.  I guarantee this will be the outcome.

And Resolver is still a complete waste of time.  Thanks for playing though.

simon_or

longjohnjohnson said:

simon_or said:

longjohnjohnson said:

simon_or said:

Deleted_User said:

simon_or said:

Deleted_User said:

simon_or said:

Deleted_User said:

simon_or said:

@campermann If they've refunded a substantial portion of the balance that was defaulted, it's definitely worth a formal complaint asking for the default to be removed. If they reject the complaint or its 8 weeks since the complaint was made, escalate it to the FOS.

Whether or not you will succeed with the complaint depends on the facts but don't-ask don't-get. Raising a complaint and seeing it through is cost-free for you and will not take not much of your time at all.

I would recommend using the MSE resolver tool to make the complaint, it handholds you through the process and helps keep you on track.

There is no reason to use a third party that will harvest your data and sell it on (anonymised) 

Just write and complain about the problem

I respectfully disagree. There are definitely a lot of people (like me) that would benefit from the handholding and prompts that Resolver provides to help see a complaint through. You may not fall in that bucket, but that doesn't mean that's the case for everyone.

You can simply send a letter to the bank detailing your complaint. Or give your data to third parties and hope they deal with it appropriately and correctly. There is no reason to use a third party for a complaint but if you want to give away all your private data then you are welcome to do so.

Again, I disagree. Not respectfully this time, because your posts are quite condescending.

Plenty of businesses provide a free service and harvest/monetise anonymised private data - Google, WhatsApp, all high-street banks, etc. etc.

There is no reason to be paranoid about such services them but if you want to think that they are the devil's spawn and avoid them, then you are welcome to do so.

I am not being condescending, I am pointing out the facts

It is ALWAYS easier and better to simply complain to the firm directly. You write a letter or send an email or use direct messaging or ring - that way you guarantee whatever your complaint reason is will be exactly as you want it to be without any third party changing the message or reinterpreting it or adding in irrelevant or incorrect data.

Whenever you involve a third party (whether you are concerned about them harvesting your data for profit or not is a different issue) you always run the risk of whatever message you want to convey being garbled or misinterpreted or even sent to the wrong place entirely.

You can find plenty of examples on the PPI forum of resolver complaints going to the wrong place, having the wrong details etc.

You can find complaint sample letters on Debt Camel, Citizen's Advice etc

Again, I disagree. I do find your posts to be condescending and what you wrongly characterise as "facts" are merely your opinion. Strongly held perhaps, but still an opinion. Not everyone needs to accept your opinion as fact.

It most definitely is NOT ALWAYS "better to go direct". It that were the case no one should use a mortgage broker (they communicate with the lender on your behalf, fill in the application form, respond to queries during underwriting, etc.) or comparison sites (which transfer data input by you to multiple providers), etc.

I'm glad that you have set aside the issue of monetising data and are now focusing on the risk of errors due to the use of an intermediary. I have used Resolver for years for all sorts of complaints and never had an issue with it being 'mistranslated' but if you blindly use suggested wording (or for that matter readymade templates) it could happen occasionally, as it could if you spoke to the Barclays call centre in India to make a complaint.

We're not talking about a mortgage broker.  We're talking about an entity that takes your complaint and puts it in a letter and sends it to the company you're complaining to.  They add no value at all to the process.

The OP won't get the default removed, either.  The refund they're clinging onto is utterly irrelevant to them not paying their bills on time.

"We" never had any interaction but the person I responded to also talked about intermediaries in general, hence my examples.

It's fine if you think Resolver doesn't "add value" but to me it definitely does, in the following ways - no messing about trying to find how to make a formal complaint (providers don't always make it easy), customisable template forms for the most common issues, your whole complaint+communication+evidence in one place, reminders to follow-up, reminders to escalate as per the relevant timelines, etc.

Again, you might think it better to do all the above by yourself with no tools and have the time and mindspace to do so, but that doesn't automatically mean that everyone needs to agree.

Disagree with your opinion about the default as well. There's not enough to info to know what the outcome might be, but Imho it's definitely worth a formal complaint, using Resolver or not.

Of course you disagree but you're wrong.

Barclays registered a default in line with their processes.  The fact that an advisor falsely claimed they'd fiddle with it doesn't change the fact that they paid after the deadline and a default was correctly applied.

£50 compo from Barclays, maybe £75 from the FOS if they're willing to wait a year.  Default will stand.  I guarantee this will be the outcome.

And Resolver is still a complete waste of time.  Thanks for playing though.

Of course you think everyone needs to agree with your opinion, but unfortunately for you that's not how the world works! 

You can "guarantee" whatever you want, it's not your default or your money or your complaint so it doesn't matter to you. I can guarantee that if the OP doesn't complain the default will stay and they won't get a penny of compensation.

I accept that your opinion is that Resolver is a waste of time and that anyone that uses it is a dolt, definitely disagree with your opinion for the reasons mentioned earlier.

You're the one who initiated this conversation to start with so thank you for playing.