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    • And to add to my site team colleague' s advice above, if you phoned the vet, they may well say that it is out of their hands now and with a debt collection agency. Insist that it is with them and if they maintain their position then it is probably worth writing to them to confirm that you asked them for details and that they refused. It's a good idea to develop a paper trail – especially where they are acting unreasonably and refusing basic information such as an account. You could also serve them with an SAR which will compel them to provide you all the information you want
    • A utility company is certainly a service provider and they are generally treated as such by courts, regulators et cetera.   Please don't be vague about any details that you give us if you want help. Were the advice we give here is free of charge – and it is generally speaking excellent advice and we help thousands of people, you should treat it as if you are paying £300 an hour for it and that means your best to help us so that we can help you solve your problems quickly and efficiently
    • regardless to whomever have been involved and what happened ... police, court, bloke that collects the trolleys in the carpark   ..you TOTALLY ignore the likes of DWF and RLP no matter what   dx  
    • pers i'd certainly not be paying a powerless DCA anything EVER. esp when they dont OWN the debt, which in this and most cases they don't and most certainly NOT over the phone or use the phone to a DCA ever, no matter the reason. they lie and threaten all kinds of illegal things on a phonecall that they'll never put in a letter which is why it is sO important to record their calls, then you can raise a complaint against them.   cut the DCA of totally ring up the VETS and set up an affordable repayment schedule with THEM directly but 1st ask for a balance i bet that doesn't match the sums paid to the DCA.   dx  
    • Thanks for responses.   The post thats been deleted was posted before the post requesting bullet points. I was deliberately vague on the type of debt it was. However a utility company is not a service provider   The answer provided in respect of the income form is great.   The only question i have now is if its reasonable to request  breakdown of how the debt has been calculated and any contract hey may have been in place.   Thanks again 
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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.
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      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?
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      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. 
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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 All


Sunday 27th April I received a Stat demand from local borough council for Council Tax of 2394.00.. Monday 28th wrote and acknowledged the demand, enclosed copy of all communications to creditors and payment schedules, copies of income and expenditures, plus a repayment offer of 100.00 June 1st and 50.00pcm thereafter (1st of month). Yesterday I got home to a letter from borough council basically telling me 'F off, we want 400.00 to set up arrangements, added to the figure which must be paid by 6 months gives a minimum repayment of 475.00pcm. Pay this by 18th May or arrange to pay via these instalments over the next 6 months or we will bankrupt you'


I rang the borough council this morning and met with the same response from the woman who sent the letter. Do I..

a) go to my boss for the whole amoount and repay it from my salary

b) go to court and swear an affadavit to set aside the petition on the grounds that the borough council have had a repayment offer made to them and refused it out of being plain pedantic...

c) just roll over and take it


Haven't slept all night nor had dinner last night and really could do with some sound advice....


Thanks :o)

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Your council are prepared to bankrupt you for the sum of £2349 when you have no assets :eek:...........before I respond do you have any bank, credit card accounts, HP loans or unpaid credit of any kind

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I think its a bluff but at the same time am still scared witless as never had to deal with this before!!


Basically I work f/t in London, my home is privately rented and the debt is from 07/08 c/tax and a previous few months' from 05/06, 06/07..


No loans, c/cards, store cards, my bank a/c is Halifax cardcash (used to use Barclays current but thats closed and charges being claimed back from them) no real assets as such - no bonds, shares etc etc..

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The law states you have 21 days in which to pay the total sum due on the Statutory Demand. You have 18 days to apply to the Court to have the Statutory Demand set aside.


You could act on your own behalf by applying within 18 days to your local County Court to "set aside" the Statutory Demand under one of the following circumstances?


The amount of money owed is incorrect.


The sum owed is less than £750.


The demand has been issued in error.


You are able to pay by instalments, in a lump sum or can have it secured against your property.


There is a counterclaim that debt is more than you owe.


Who are the solicitors acting for the council?

Some useful links.


Making Posts

Letter Template Library

Bank Contact Details

AQ Guide to Completion

Court Fees

Data Protection non Compliance

Witness Statements for Court Bundle

Banking Code Website

Limitations Act

Fast Track Costs

A-Z Index

Mis-Claim Tutorial

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Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.



Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers





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I think its a bluff but at the same time am still scared witless as never had to deal with this before!!


Basically I work f/t in London, my home is privately rented and the debt is from 07/08 c/tax and a previous few months' from 05/06, 06/07..


No loans, c/cards, store cards, my bank a/c is Halifax cardcash (used to use Barclays current but thats closed and charges being claimed back from them) no real assets as such - no bonds, shares etc etc..


Have you been making any payments off the arears & can you now pay something direct to the council, no matter how small

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Who are the solicitors acting for the council?


Please don't laugh but the council have sent the SD themselves - no solicitors...




I have been paying my C/tax for 2008 , April 74.00 and May 71.00.. the sender of the letter at the bc has told me these payments are being deducted from the 2394.00 - so effectively, my C/tax for 08 isn't being paid! Fuming!!

Edited by Dons2008
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Bumping this - Does anybody have any advice as to whether I should get the SD set aside due to the creditor refusing my offer of repayments, or should I wait to speak to my boss Wednesday about loaning the money against my salary... I am so stressed and worried by this and don't know what else to do... C.A.B. have a waiting list of 3+ weeks for a money advisor and obviously I can't wait that long to see someone....



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the creditor refusing my offer of repayments

Didn't they give you the chance to pay in instalments initially? My local authority allow me to pay mine in ten instalments. I'm not sure your set-aside application on these grounds might be unsuccessful.


C.A.B. have a waiting list of 3+ weeks for a money advisor and obviously I can't wait that long to see someone....


have you considered speaking to a money adviser over the 'phone?


you can call one straight away at National Debtline: 0808 808 4000

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The borough council told me they want the money in 6 instalments only!


I have been holding for ages this week for National Debtline :(


Thank you though!

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I have been holding for ages this week for National Debtline :(



They have not been that busy, try calling them after 2.30 this afternoon. You should be straight through.

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I took this morning off work to go to CAB and they advised me to revise my repayment offer. I went over to the council and spoke to the Senior Finance Officer and put my offer of 200.00/month to her and she accepted right away.


Now there is a letter coming out to me this afternoon summarising everything and forms for me to complete and return... Phew! Got it dealt with at last


Thanks everyone for your help! x

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