Lowell took over my case from Vanquis Bank last autumn, though I don’t owe to this credit card company. Vanquis rejected my last payment nine months ago, charged off the account, and sold my account data to Lowell against my wishes. I explicitly told Vanquis to transfer the account lawfully, via deed of assignment, though they ignored me. I was on a call with a manager at Lowell Financial. While I was explaining what the law says about data handling and deed of assignment, the line dropped. When I called back, a call handler refused to reconnect me to the manager and demanded my date of birth, which I do not provide to third parties. He then accused me of sounding like a “freeman on the land conspiracy theorist.” When I asked what that meant, he refused to explain and still wouldn’t transfer me before disconnecting the call. Once I finally reached the manager again, I apologised for the delay (the company didn’t have my phone no). I didn’t complain, I simply asked whether he knew what “freeman on the land conspiracy theorist” meant? 🤭 The manager apologised for the experience and said he would monitor the call and discipline the handler if necessary. 😄 He also offered to request that my case be closed based on the information I gave him, though he couldn’t guarantee that Lowell Portfolio would agree - so we’ll see. Lowell sent a £25 cheque as an apology for the poor call handling. 👏Staying polite clearly paid off for me!

Council Tax/Rates Light AI ( just renamed from the Council Tax &HMRC Light AI for Northern Ireland) https://chatgpt.com/g/g-68b3181c9fbc8191bbe3fd65770c54f4-council-tax-rates-ai-agent-light Then to support the Cowncil one, so you can actually visit your council, and AUDIT THEM !!!! 🤣💥 How the worm has turned. Do you know what a reception should have? From fire maps to insurances to what information should be at Reception.....This bot does. It'll make you a list if you ask it ..... Testing the: Audit the Clowncil & Police AI: council-and-police-audit-ai https://chatgpt.com/g/g-6967e6211dd48191b989e52302b74550-council-and-police-audit-ai # AUDIT AI — Quick Guide (1 page) *A calm, evidence‑led helper to audit councils & police, then turn findings into safe follow‑ups.* ## Who it’s for Residents, carers, journalists, and community groups who want to check services fairly and safely. ## What it does (in plain English) * Keeps you safe & calm with polite one‑liners and “leave if asked” reminders. * Runs short checklists for: council receptions, police front desks, websites/apps. * Turns notes into clear findings: *What should exist → What you saw → Status → Impact → Evidence needed.* * Builds an evidence pack (timeline + evidence log) so you can prove what happened. * Drafts your follow‑ups: FOI/EIR requests, DSARs (with preservation), formal complaints. * Checks what should already be public (publication scheme) and turns gaps into precise FOIs. * Checks accessibility (statement present, keyboard/zoom works, readable PDFs/forms). * Protects privacy with a redaction/publishing gate before anything is shared online. * Maps accountability to real roles (FOI officer, DPO, service manager) so you escalate wisely. * Uses an escalation ladder: ask for the policy link → FOI/EIR → DSAR → complaint → regulator/ombudsman (where applicable).

Do you like the new logos? i will be getting these put onto caps and tees very soon

watch and get it sorted asap, it takes over a year to arrange nowadays

For fellow students interested in the Bills of Exchange Act 1882 and issuing negotiable instruments to settle accounts and payment obligations: I haven’t forgotten my Christmas/New Year promise to post an article for further discussion, guidelines & resource. I’m still finalising my notes and verifying everything for accuracy before turning it into a coherent resource article. I also didn’t want to risk my notifications blowing up at a time when I might not be able to respond due to other commitments. I expect to have something ready in around a week. If it looks good, perhaps Dave will pin it as a meeting place for BOE discussion. I’m quite sure Richard Ashmore for one, will keep me on my toes with this topic 😄 It’s a fantastic subject for discussion and debate, and who knows…eventually we might even have enough material for a classroom dedicated to this topic & approved by the Boss. Just an idea for now.