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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
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    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
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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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:)I am not an expert, but I can give good advice about Brighthouse:)

 

Am learning more and more about DCA's too :)

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

 

<------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!

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not sure why all the bad rep about credit cards

 

ive got one had one for the last 4 years, never taken it to the limit never taken it past a fifth of the limit (as i know thats the maximum i could afford to pay in one go)

 

nearly always paid it off in full each month (one mistake where the payment hit the account a day too late and got a £10 charge)

 

credit cards are NOT a problem as long as your sensable with them, anything i feel that is a maybe i couldnt afford i leave, anything where i think "i have the money now but i might spend it by the end of the month and not have it for my credit card" comes off my debit card so i KNOW that its gone and i dont accidentaly spend it on something else.

 

its probably annoying the hell out of the bank that i pay in ful each month but the £10 charge will probably keep them happy for a few years

Please note:

 

  • I am employed in the IT sector of a high street retail chain but am not posting in any official capacity,so therefore any comments,suggestions or opinions are expressly personal ones and should not be viewed as an endorsement or with agreement of any company.
  • i am not legal trained in any form.
  • I have many experiences in life and do often use these in my posts

if ive been helpful kick my scales, if ive been unhelpful kick the scales of the person more helpful :eek:

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its probably annoying the hell out of the bank that i pay in ful each month but the £10 charge will probably keep them happy for a few years

 

Didn't Egg close 60,000 accounts because people were using them responsibly?

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

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Must've been little egg then.;)

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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Didn't Egg close 60,000 accounts because people were using them responsibly?

 

About 161,000 actually - and it is coming back to bite 'em big time! (I just took the charges back :D )

Nationwide - Prelim sent 02/07 - MCOL filed 04/07 CHARGES SETTLED IN FULL!!

Woolwich- Prelim sent 04/07 - Offered 90% - 06/07 accepted

MBNA - Prelim sent 02/07 - CCA request sent 03/07 - CCA reply (illegible + no T&Cs) - DCA sent packing - Restons now trying - gone quiet

Citicard - Prelim sent 02/07 - CCA request sent 04/07 - replied 04/07 No contract & not enforcing!- passed to 1st Credit- gone quiet

Egg - Prelim sent 02/08 - 3 letters - full offer 03/08 SETTLED IN FULL!!

(All starry, rep, clicky thingies gratefully received!)

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Hey peeps. We got what looks like a 1st Credit employee leaving a comment on one of my video's.

 

YouTube - Judge Judy Fuzzybobbles some Debt Collectors

 

If you're a Youtube subscriber, or have 2 mins to be one and leave a comment, then I won't stop you. :D

 

If you've not seen my video's before, click the link and have a good laugh at the expense of a well known DCA. :D

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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Done, commented - definitely a DCA there - and quite a smart one :rolleyes:

:)I am not an expert, but I can give good advice about Brighthouse:)

 

Am learning more and more about DCA's too :)

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

 

<------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!

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If you can. scroll down the list of comments, and click on the thumbs down for the peep who posted a negative comment :D

 

YouTube - Judge Judy Fuzzybobbles some Debt Collectors

 

Looking good so far.

 

Wouldn't want 1st Credit and Uncle Bob's employee's to have the last word,

So keep posting comments. Register for free, then you can post comments,

reply to DCA's employee's and click on the stars to give a 5 star rating. :-)

 

Also you get links to video's I've not posted on here ;-)

Edited by fuzzybobble

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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Strange that, FB, because it seems I've been fending off some fools as well.

 

One guy's a bit upset. I have the strangest feeling I've mentioned his company by name. I think you'll know which one I mean, but I don't think I've read - in any of the negatives I've had so far - such a pile of self-justifying cr*p.

 

What is this anyway, week of the trolls, or something?

 

YouTube - UK Debt Collection Agencies - getting them off your case - Part 1

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A couple of weeks ago, I posted a copy of an email that started:

Direct Collections Ltd

ARE YOU OWED MONEY?

IS YOUR DEBTOR LAUGHING?

HAS THE LEGAL SYSTEM

HANDCUFFED YOU?

WOULD YOU LIKE THE LAST LAUGH?

I responded at the time to laugh at them and comment that I would send them an invoice if they bothered me again - today I've had no less than three of these spam emails...

 

Any suggestions on how much I should request, per default of my clear instruction NOT to send further junk mail. Also, any law that I could quote to enforce this?

 

At present I'm unemployed so may as well use some of my time to lodge a case in court if they then fail to cough up. I seem to recall telling them that I would get a proper debt collection company (are there any?) to pay them a visit if they did not pay. As that course of action isn't really an option, for ethical rea\sons I guess, I'd go to the court if possible, and let them send the bailiffs round.

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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Good for you Hillards - and no excuse-for-a company deserves it more than DLC. They are part of the Faccenda Group, other arms of the same group being Hillsden and MDB and they are all run by the same guy who thinks he is above the law. He even puts a false address and divertionary number on MDB's letterhead in an attempt to disguise the fact that DLC/Hillsden/MDB are the same company. Well, now those he thinks he is bullying are hitting back big time and he is discovering that not only is he not above the law but he is getting stymied in trying to collect unenforceable debts, I believe that after riding roughshod over people for years they are at last feeling it where it hurts - in their lousey corporate pockets. Aktiv Kapital have just reported a £40 million loss and that must be reverberating through the whole industry. The OFT are also finally wakening up to what these guys have been doing, albeit slowly. If the guy at DLC/Hillsden/MDB thinks he is going to have the last laugh, he can think again because if he attempts to take me to court - and he has no case - I too am going to sue the unmentionables off him. I would just love a copy of that DLC flyer and I would take it to court with me and say to the Sheriff (Scotland) " Look - this is what the Faccenda Group think of your court - they are going to try to bend the law if they can so they can have the last laugh." Good luck.

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I would just love a copy of that DLC flyer and I would take it to court with me...

The full message was posted by myself at http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/131409-cheekiness-towards-dca-277.html#post2007068 - the first time they sent it. It came by email, every copy I've had arrives that way.

 

They now add the footer:

Our communications are delivered in line with EU Directive on Privacy and

Electronic Communications.

An active method of opting out of further communications is supplied at the

base of this email.

To unsubscribe -

http://www.britlandinvest.com/online/5munsubscribe.php?id=0000000&cli=XXX00

with the final ID/cli identifying the message and batch I guess, hence changing it to all zeroes. Oh, and it's their line breaks, not mine!

 

I hate spam, I don't like DCA's, add them together and I just want something legal I can take them to court under - and not some obscure property act from 1925 either!

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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Hillards - I got confused between DCL - the numpties sending you the spam emails - and DLC - but the sentiments and the support are the same!:lol:

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:lol::lol::lol: Fuzzy ! Was just looking and laughing at your vids on Youtube when Mercers phoned me...... I said I didn't want to talk to them and that I was corresponding with Barclays direct. She said QUOTE

 

Well, we'll send somebody round to collect then, your account is with Mercers now UNQUOTE

 

and she hung up. Her voice was very threatening and nasty:evil: Shame I'm recording them all hey?:rolleyes:

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with the final ID/cli identifying the message and batch I guess, hence changing it to all zeroes
I got a call with CLI showing all zeroes - never seen that before - what does it mean exactly? The caller sounded Indian and was asking for a previous female tenant of whom I've been receiving mail, from what seems to be DCA's.
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I got a call with CLI showing all zeroes - never seen that before - what does it mean exactly? The caller sounded Indian and was asking for a previous female tenant of whom I've been receiving mail, from what seems to be DCA's.

 

If the number is from 'abroad' or a call centre the number can show like this as it's going through a PBX exchange as an extension number.

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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Quick question, if I may, didn't want to open a new thread at this moment.

 

Cap One card issued around 2001, they sent a Default notice (which is incorrect ie no date etc)

Should I CCA them and if no production tell them to Foxtrot O or wait until they ship it out to one of the dark forces and then CCA?

Many thanks

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Quick question, if I may, didn't want to open a new thread at this moment.

 

Cap One card issued around 2001, they sent a Default notice (which is incorrect ie no date etc)

Should I CCA them and if no production tell them to Foxtrot O or wait until they ship it out to one of the dark forces and then CCA?

Many thanks

 

A crap one card from 2001.......I would CCA them as they hardly EVER have enforceable agreements ;)

:)I am not an expert, but I can give good advice about Brighthouse:)

 

Am learning more and more about DCA's too :)

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

 

<------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!

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A crap one card from 2001.......I would CCA them as they hardly EVER have enforceable agreements ;)

 

Yes, I was going to say that too but they will come back probably with the excuse that under Regulation 3 of the 1983 Consumer Credit Regulations, they don't need to send one!

 

Maybe just use the CPR31.16 route first. It's a loooooong one, but try and read, from the beginning, as much of this thread as you can:

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/173201-why-you-shouldnt-use.html

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I seem to be missing out on all the fun, 'cos none of them ring me.

Although Welcome did try calling twice yesterday but I was eating my dinner so ignored the phone and they haven't phoned today possibly because i sent the account in dispute letter which probably arrived today to the branch and also the customer relations department.

ho hum, have to wait and see what happens I suppose..

-

PLEASE NOTE - I am not a legal expert, my comments are based on information learnt or

obtained and from my own experiences.

-

Case 1 - C L Finance - Court Case 'Stayed' :-). Stay Lifted - N149 AQ Received & Filed. Case Struck Out :grin:

-

Case 2 - C L Finance - Defence Filed. N150 AQ Received & Filed. Case 'Settled by Consent' :)

-

Case 3 - EOS Solutions - No Agreement - Account Closed ~£3500. :grin:

-

Advice & opinions offered freely but informally, without prejudice & without liability.

Use your own judgment and seek advice from a qualified and insured professional if you have any doubts.

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I seem to be missing out on all the fun, 'cos none of them ring me.

Although Welcome did try calling twice yesterday but I was eating my dinner so ignored the phone and they haven't phoned today possibly because i sent the account in dispute letter which probably arrived today to the branch and also the customer relations department.

ho hum, have to wait and see what happens I suppose..

 

 

They don't ring me anymore. So I ring them. :D Even if I don't have an account with them, I still call and tell them I'm coming to visit them. In their dreams, and nightmares. Just like Freddy in "Nightmare on Fuzzybobble St"

 

:p

  • Haha 1

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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I decided that the poor DCA's are in so much trouble I'd try nd help my latest phone pest.

 

so out of the goodness of my heart I have been through my email junk folder and supplied those lovely people who told me I HAVE WON this -that or the other Lottery, & those nice Nigerian Bankers, with the name address and phone numbers of a certain contact at a certain DCA.

 

I like to LINK people of the same ILK together, I hope they enjoy each others company.;)

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:lol::lol::lol: Now I wish I hadn't deleted all my Nigerian emails.

 

Now expect a visit from the Cagbot for being racist:eek::eek:

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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