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聽 The Li Can turn Yin When things said, Suya and above ground and four are his subordinates, some things, you can let them know that the Suya heard frowned: Would not it be your father to raise campaign main fact is completely vulnerable?

聽 Well, so I must be obtained as soon as possible the recognition of the underground five other people, or the iron fist of help we should fall into the hands of the elders. Li Can not Du Kang said, he was tory burch flip flops prepared to consider him to be the last cards, if without Doukan, in order to obtain victory in this game, have to re-find help job.

聽 And the the Li Can control warfare Church, that is without fear, to the time directly elders out of the iron fist to help, it is estimated that no one would dare to speak, but www.itiffany.org/rss/5.15-5.xml now war Church did not buy his account, Li reluctantly shake shook his head.

聽 Can Li looked shook his head, The Suya playful Road: Li Can, you can hide the truth really tight ah, but for that day of turning into a young monk, I really do not know you so much, With this Disguise surgery, you want to fool the calendar wind, so that should not be a problem to get his hands December 5th Iron Fist!

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In August of 2012 I called LV on my wife’s behalf (they had long before had a letter of authority from my wife to speak to me about her policies) to discuss the maturity of her policies due in December 2012 and March 2013. I took the trouble to do this because we knew the value was around £30,000 and we knew we would be in Africa when the policies matured.

The first conversations were principally about obtaining information which would enable us to decide the better option between Annuity and Tax Free cash. Even with the limited information available to us then we decided that cash was the clear winner.

On their maturity claim form LV offer two methods of payment; cheque or CHAPS. Clearly, the former was of no use to us as we would not be in a position to receive a cheque. I called LV and asked why they would not pay by BACS since I did not see why we should pay them for paying us what they were due. I was quickly informed that they could pay by BACS. I explained again, for at least the third time, that we would be not be contactable at the maturity dates of both policies and that we needed a method of obtaining the cash when it was due. Finally they agreed that we should return the claim form they had sent as an example of what we would receive before maturity and clearly indicate on it that my wife wanted cash and that it should be paid into the same account from which the premiums had been paid for many years. It was acknowledged by my wife that the value was not stated on that claim form since LV were not then in a position to give us a value but whatever the maturity value eventually was would be what we accepted they should pay.

Secure in the belief that the two claims would be paid when due we went off to Africa.

A few weeks after we left we received an email from LV asking us to confirm we agreed with the value which should be paid for the policy as we had not stated it on the claim form and to provide proof in the form of a letter from the bank addressed to the address they held for us or a printed bank statement that the account belonged to my wife. I emailed LV and reminded them of the arrangements we had in place and point out that the account designated to receive the money was an internet only account which does not produce statements and we never receive correspondence from Cahoot. Their response was to contact us to say they could not pay the money into an account unless my wife could prove it was her account.

I contacted LV and pointed out that

1. The money was going into the same account from which premiums had been taken for years.

2. They had the policy holders written and signed authority to pay the money into that account.

3. Who owned the account was none of their concern all they needed to know was that they had proper instructions from the owner of the policy on how and where to pay the value.

4. LV had previously agreed to make the two payments in that way.

I also insisted that they deal with the matter as a complaint and that in the vent it was rejected that they continue referring it to a higher level until either they accepted the complaint or referred the matter to the Ombudsman. As a result I has a conversation with a very pleasant lady in the LV complaints department who accepted the complaint was reasonable and agreed to rnake payment by BACS to the account previously agreed, ensure the second claim was paid the same way and offered £60 in compensation for the poor service.

We arrived back in Dublin earlier than anticipated at the beginning of April 2013. A claim form awaited us there for the second policy. I called LV and pointed out the arrangements which were in place and asked why they had not been actioned. I was told it was human error.

At this point I feel I must comment that human error is almost always the reason why mistakes are made, indeed, when the hoary old excuse that “the computer got it wrong” is trotted out I am tempted to ask which human being made the mistake in programming which cause the computer to get it wrong?

I asked how long it would take to correct the mistake this time and how would LV compensate us for the delayed payment. Apparently, the customer services person could not answer either of these questions and referred me to a manager.

After explaining what the problem was the manager agreed that she would authorise the payment immediately by CHAPS (at their expense) and confirmed the amount which she would pay. Luckily, I had the claim form from the policy in front of me and noticed immediately that the amount she quoted was over six hundred (£600) lower than the amount on the claim form. She accepted that the figure on the claim form was the one they should pay but explained that their system required her to pay out the amount it showed as a maturity value and the balance would be paid as a second amount.

By this time I had been on the telephone for about three quarters of an hour, we had lost interest because of the late payment of the policy value and we had been caused considerable unnecessary stress by the series of errors. It was at this point we identified that the person who had signed the letter with the claim form was the manager with whom I was speaking.

The manager had been helpful and positive throughout our conversation and accepted completely that LV were at fault. She accepted that it was absolutely right that we should receive the amount advised by them as the value of the policy. She then suggested that the limit of her authority was not high enough to deal with the amount of compensation she felt we should receive and offered to refer the matter to her complaints department who would be able to offer us a higher amount. Since I had not mentioned any amount of compensation I was impressed by her suggestion and readily agreed.

Two days later I checked or bank account and as agreed two amounts had been credited to it by LV. In view of my by then complete lack of confidence in the company to get things right I checked the addition and discovered they had paid us some four pounds more than the amount agreed.

My first thought was that they had raised the amount to cover compensation but realised immediately that could hardly be the case since the compensation was being dealt with by a different department. Regardless of the amount being in our favour I called them to discover why it differed from what was agreed.

The conversation which ensued was beyond belief. The customer services representative told me she could not tell me why the amount was different so I asked to speak to someone who could. Over the course of a conversation which lasted over thirty minutes I was refused access to a manager – on the grounds that none were available, complaints department on the grounds that they do not speak to customers, a senior manager on the grounds that they do not speak to customers and the Managing Director on the grounds that he will not take calls from customers.

I then asked again to speak to a manager in order to log a complaint against the representative with whom I was speaking as I found her manner unacceptable, her constant interruption every time I tried to say something rude and unprofessional, her refusal to name an officer of a regulated insurer questionable in law and her refusal to allow me to speak to a manager a breach of her own company’s complaints handling procedure.

Finally I asked again that she transfer me to complaints department as her refusal to so do indicated not that complaints department could not rather that they would not speak to customers. At last she decided to attempt to speak to complaints department and place me on hold for more than ten minutes (the music they play, incidentally, is absolutely and excruciatingly awful).

When she returned to me after her discussion she told me that Complaints Department had written to me earlier in the day with a breakdown of the payments and would not discuss them further. I insisted she transfer me to that department on the grounds that they were clearly by then responsible for the claim and it was only reasonable that they should discuss it with me.

By this time I could see no point in prolonging the agony and asked to speak to the Managing Director’ and when that request was refused I asked his name,which information was refused on the grounds that LV do not have a Managing Director but when I pressed the matter it was admitted that they have a Chief Executive and I was given Mike Rogers’ name after I pointed out that it would be readily available on the internet.

I tried one more time to persuade the lady that it would be much easier on her, me, complaints department, Mike Rogers and the Ombudsman for her to allow me to speak to the complaints department. She placed me on hold again but came back again with the mantra that complaints department do not speak to customers. When I attempted then to have her transfer me to Mike Rogers’ secretary she told me she could see no point in continuing the conversation and cut me off.

I immediately checked the switchboard number (easily obtained from the website – Say No to O870) and called to ask for the claims department. The switchboard operator was extremely pleasant and clearly following instructions when she asked my name, policy number and the type of policy and demonstrated again the determination displayed by LV to prevent people from talking to the complaints department by transferring me to the department I had previously been talking to where a very pleasant young lady who understood the value of listening recorded my complaint against her colleague and tried to transfer me to complaints department but by then they had closed for the evening. She promised to call me back next morning to attempt to resolve the complaint.

Around nine o’clock this morning she did try to call but had recorded my telephone number incorrectly despite having read it back to me correctly yesterday evening. She then sent me an email asking me to call which I did immediately. Her message was simple – you’ve had all you are getting, Complaints Department will not speak to you, they wrote to you yesterday and you can refer the complaint to the Ombudsman if you don’t like the decision. I will say, however, that she delivered the message politely and accepted my comments that LV were entirely in the wrong.

In the course of the conversation she also told me that the reason why senior managers do not speak to members (the Friendly Society name for customers) is that they “are not telephone trained” and may therefore be in danger of saying something wrong if they spoke to customers. She also told me that she had spoken to the manager who had originally agreed the payment of the maturity value and offered to transfer the complaint to the Complaints Department and her colleague had informed her that I had been offered £50 compensation. This I strenuously deny, a denial which would be supported by the recording of my conversation with that manager. Ironically, had she offered me the £50 I would have accepted it since I would have seen it as a gesture of goodwill and not been too worried about pressing the matter since my wife and I had decided by then that we would never deal with LV again so long as we lived.

I saw no point in continuing that conversation , bade the young lady good morning and went off to find a way to speak to Mike Rogers. As I terminated the call my sister in law brought me in a letter from LV. I opened it immediately to see how they justified refusing compensation to be faced with a letter which amongst other things said “I want to make sure I completely understand your complaint. If I’ve got this wrong, please let me know.” It provided an email address (LV.LifeSBUComplaints@LV.com) and a telephone number (0845 605 1239) to use in ding this.

I immediately called the number and explained my problem to a very attentive lady in the Complaints Department who promised to follow the matter up and get back to me.

Early in the afternoon I received a call from a lady in the complaints department who informed me that she had spent several hours this morning listening to the various telephone conversations between me and the several members of the LV customer service team I had spoken to over a three day period. She expressed her horror at what she had heard, explained that she had been the lady I had spoken to from The Gambia and that she had made arrangements to pay the second policy as agreed and that the reasons why this had not happened would be part of her follow up from this complaint. She also explained that she had instructed the lady who had terminated the call to me yesterday to put me through to the Complaints Department but had been told I had terminated the call.

She apologised profusely, confirmed that I should have been allowed to speak to a manager or a senior manager and that when I asked to speak to the Managing Director I should have been put through to his secretary who would have either enabled me to speak t Mike Rogers or arranged for me to speak to an alternative director or senior manager with authority appropriate to deal with my complaint.

The upshot of this saga is that she agreed to pay £150 compensation which I accepted and asked if it would be appropriate for her to send a bouquet to my wife as an apology for the treatment we received. The bouquet and compensation are awaited at the time of writing but I have no doubt they will both appear as promised. I promise that if there are any further problems with this matter I will record them here.

My reason for recording this matter is by way of example to others with a similar problem that persistence is both justifiable and can be rewarding. It is also an encouragement to others to make complaints about bad service and take them to the highest level in the company as that will very often be much more effective than referring the matter to the ombudsman who may take a couple of years to settle the matter.

Here is the link for the actual disbarment decision by the Georgia State Bar:

http://www.gabar.org/forthepublic/upload/Browning-Baker_D.pdf

Or the link to the recent (as of April 19, 2013) attorney discipline page:

http://www.gabar.org/forthepublic/recent-discipline.cfm

The latest information is that Marion Browning-Baker is now officially a fugitive from Germany as she fled that country for federal income tax evasion before they could prosecute her. Allegations are that she did almost all of her “law practice” business in US banks and US credit cards and then never claimed any of it as Germany income as it bypassed their financial system. This is NOT our opinion either as a professional source from the USA contacted us through our ad and said that Browning-Baker actually BOASTED to her on the telephone that by using the Germany-USA-Virgin Islands “Bermuda Triangle” for residences, she paid no taxes ANYWHERE for the past 20 years.

What we do know also from multiple online sources is that she has a husband named Wendell T. Baker who is a retired US Army sergeant and who is still feeding from the federal trough as he has some US Government job in the Norfolk VA area.

Now Marion and Wendell can live with the reality that the money they are both spending is “dirty” and was never earned honestly. I hope Wendell can sleep well from this after serving in the US Army all the while knowing his wife ran her law practice scam against his fellow service members throughout the 30+ years of their marriage. But then again, it might just be possible that Sergeant Baker was too naive to figure out what was happening right under his nose?

Since Marion Browning-Baker has also boasted a lot over the years to more than one client about her “mansion she owns in the Virgin Islands” on Lovenlund in St. Thomas, call her at 340-776-8428 as an ex-client and maybe she will invite you in for coffee the next time you are down there (FYI – this is all public information taken from the St. Thomas online telephone book).

As a result of her formal disbarment plus all of the above, we now have solicited a lawyer to begin a class action suit against her since we now have over 65 confirmed ex-clients willing to testify. Therefore if you used ever used Marion Browning-Baker in any capacity and desire to be a part of the settlement process, contact our hired attorney at MBB-Class-Action@gmx.com and we will send you a data sheet to formally register as a claimant.

I bought a sound recorder model ICD UX523F BOE with serial no 2308137. The Guarantee of device is valid till 2013/3/31. Unfortunately last month when I wanted to install the device via usb connector to usb port of my laptop the connector went back into device. after that the connector remained inside and usb slide lever was free and made no action. I must emphasis that I inserted the connector in normal way and direction with no additional force. After that I brought the device to SONY central represntative in TEHRAN IRAN called IRAN ZABT TRADING CO. on AZADI ST. they told me that I can not use guarantee for this defect. Again I assure you that I used the device normally.also there is no sign of crack damage or so on the body of device.

Thanks in advance
MOHSEN FAZELNIA
email:fazelnia@gmail.com