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    • Hi caggers, OH got a vanquis card, defaulted and made a last payment in July 2015. Since she gave me a heads up with threat letters for pre-court action, I fired off a CCA and got a response way after the prescribed time line (I can live with that). They did send her a CCA and breakdown of spends. The problem I had with the CCA they sent her was it was pretty unreadable (I can post a copy) but it had her signature on there. I don't doubt the OH owes money but after speaking with her she cannot remember but didn't think it was as much as Lowell's are wanting to claim for as she only had a £500 limit and the amount they want is near £900. So I fired off an AID letter stating the CCA was illegible and at the same time sent a SAR to them specifically asking for a copy of the DN, Breakdown of charges and Interest and anything else they hold. They come back acknowledging both letters but still asked what she her intentions are regarding the account with failure to do so possibly resulting in a claim form incurring costs. They also said they will not send any further copies of the CCA as they've already compiled with the original CCA request. Am I correct in thinking the CCA has to be legible and that this is grounds for the AID? I'm happy to come to an arrangement to clear the right amount owed but not some over inflated figure. Thanks PM
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
      We had a 10yr  finance contract for a boiler fitted July 2015.
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
      You only have to look at TrustPilot to get an idea of what this company is like.
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Hi , My husband received a phone call from yes loans the other day as we were looking for an unsecured loan we done an application with them and they told us that we had been accepted and what the monthly repayments would be , the advisor asked my husband for his debit card details which my husband gave as he thought it was just part of the application process for verification purposes , Now i have checked my bank account and they have debited £49.50 from our account there was no mention on the telephone conversation of any fees or anything and my husband did not give any permission to debit any money from our account.

I am really angry and I have sent them one hell of an email as i feel they have commited fraud , i have again emailed them today and had no response from either email . Has anyone dealt with these how do i get my money back anyone have any contact details for them pref email addresses.

Thanks for reading.

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  • 1 year later...

I've had the same problem with Carter & Carter Financial / Easy Step Loans, they took £499.99 off me.


I tried my bank and they can't do anything about it because I gave my card details.

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We do not recommend giving or taking advice by email or PM.

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Information given by email or PM cannot be checked for accuracy.


How do you know that you are not giving your details to a DCA spy?

You have no way of knowing.


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  • 1 year later...

Please help!!! My partner applied in May 2010 for a loan with Yes Loans, they took the money and he recieved no other communication! Then they phoned again in June 2010, and he told them that he was not interested and did not have the money! They took it anyway, and on the bank statement it shows up as Mrs Cashback!!! I have since written them a letter, and we have still had no response!!! What else can we do???

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  • 4 weeks later...

Yes loans are a disaster and I would avoid them at all costs. I made the mistake of conatcting them for a £2k unsecured loan 5 weeks ago. I have a 5 year old default on my file so I knew i would have no joy with my own bank or others on the high street. The initial conversation with them was straightforward enough and I was quoted a favourable repayment amount over 24 months. Then the bull**** started and I fell for it. I was asked to provide my debit card details with the promise of a telephone offer the next morning. My card was debited £69.99 and I am still waiting for the call or any correspondence. I cancelled my "agreement" with them in writing 2 days later and am still waiting for my refund, which I believe they must pay within 31 days. That is tomorrow, so I will wait with patience.

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  • 2 weeks later...

I am in the process of a court hearing with this company.

I am putting a file together which a great deal of people have sent/emailed me statements of their dealing with Yes loans.

These files are to be presented along side my claim in a court of law,.

Please email me your accounts of this company. The file is getting thicker by the day. email me at : ref2403@live.com

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Hard to believe really, but I received a cheque today for £64.50, £5 less than my original payment. I understand this is their admin cost. I tried several times to get through on various phone numbers but gave up after waiting for ages. So, without actually getting to talk to them I have received my refund without too much hassle, all be a week or so late. Of course the cheque may bounce but I am not expecting it to. My lesson learned is NOT to pay broker fees for doing something that I could probably do myself. Good luck to those of you pursuing your cases further.

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So they have scammed you then????

You have put money into there pocket by calling them, they have had 1 month interest on your money then pay you £5 less...

They state in their T & C's that they keep your card and bank details, so why let them get away with keeping your money, they can put it back into your account straight away.

There sale agent lied to me, and they have refused to give me a recording of the conversation I had with him ( which I am legally entitles to) I have sent 3 recorded delivery letters asking for this and I stated I am willing to pay a £10 fee (which is the maximum they can charge). still no tape even though the letters have all been signed for. Guess what I open a court claim and they respond within 3 days.

If your willing to lose your money and be lied to that's fine...But I for one am not !!

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I agree that they have scammed me, but I feel a complete fool to have fallen for this. The recording of my initial conversation with them would make me squirm. So patient, so understanding and helpful until they had my card details. Then another operator apologised that they had a systems error and basically said goodbye. This maybe was their only lie to me. The rest was clever speak and wording which I fell for. I appreciate they have had my money in their account for several weeks but am genuinely suprised to have got anything back without a real fight. I did pursue a claim in the small claims last year against a million pound company who owed me several thousands of pounds. I entered a claim for several single invoices worth around £1000 each and got my money very easily. However I lost business afterwards and have such become very dubious about pursuing some items through the courts.

I wish you well with yours mate and remain embarrased that I fell for this rubbish ploy.

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Its not clever speak, it is misleading which is a criminal offence to intentionally mislead to gain ...Fraud act 2006


I know people can be pressured into giving bank details, even desperate..but read the forums there are hundreds of people they have scammed...now not every one is stupid....they are mislead, I have spoken off the record to people who have worked there and you would not believe some of the stories....

They are given scripts to read, but any slight deviation is deliberately misleading people..like i say is a criminal offence


everyone email me your dealings with these con men and i will had them to my growing file to present in court

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  • 6 months later...
How did the court case go?


Hi, ref2403 has not been online since August 2010, very much doubt you'll get a reply.


Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

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