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    • If you want to save us all a lot of time, you can tell us the whole story in a chronology without too much narrative including who you are dealing with. We really can't say if you have missed a trick until you lay it all out.   In terms of not wanting to bother us, - very noble, but it is less of a bother if you come to us first so that we can help you to get it right first go  
    • I'm gutted - I always wanted to meet him - he most certainly was the ONLY Bond.  By all accounts he was a lovely man.
    • Boris 'the Liar' speech translated   'Some months ago we told you you had to stay at home to protect the NHS, and you understood that our decimation of NHS funding meant that all other NHS work had to stop, and its resourses were severely limited. Now I'm sure some foolish people thought that was to allow time for the underfunding and the under staffing of the NHS to be reversed. But clearly, as the majority of you did as requested, and suffered and died quietly at home and in homes to a level we could barely believe, clearly it meant that the money we might have been forced to spend on the NHS could be retargetted to our mates like serco - so of course we did.   Now 6 months on, with the NHS staff exhausted and at breaking point,  our pals simply cant be expected to actually deliver on the ridiculous claims, we are simply trying the same scam again on you idiots to free up even more debt generated money to route to our pals tax haven bank accounts which your children, childrens children unto the 7th generation can pay back.   So, with PPE money allocated to companies we chose who clearly needed the money, and debt at record levels I'm sure you will all realise that again everyone else must not mingle, and must stay at home wherever possible, so the children can go and mingle in schools in full sized classes and allow the virus to spread there and get back to you smart arse plebs locked in at home who have managed to avoid it so far. and I'm sure you will all understand its absolutely crucial that neither you or your family -  especially children - should waste essential resources and apply for tests until you are showing clear covid symptoms and we know you have it.   Thank you suckers. Bojo  
    • I'll guess you've heard of these on here before - laptopsdirect.co.uk
    • Don't worry about it.  It's just that it makes it easier for people to understand and to try to give you advice if you keep everything related to one topic in a single thread, so everything is in one place and not scattered around.  But if you have a new or unrelated topic, it needs it's own new thread, otherwise people get confused and can't separate one topic from another.   Does your question about the courier need a separate thread, or is it part of the unpaid loan to your relative issue?   Whoops!!!  Sorry - I see there is a new thread.  Teach me to read before I post!
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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?
       
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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. 
       
      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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A new letter from Wescot today, I dont need to explain myself to them as they should not have the account in the first place :D

 

Ignored and put away for safe keeping.

 

Wescot_Mint_23July09001.jpg

 

Oh, forgot to say, I will send them the good old doorstep letter. :D

It's all fun and games until someone loses an eye :D

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The last two paragraphs say it all. If you dont respond they will give up.

 

Is like a game of pass the parcel, when the music stops, the DCA that holds it can have the next go at me, lol

It's all fun and games until someone loses an eye :D

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  • 3 weeks later...
  • 2 weeks later...

dont forget to write n tell them you do not agree to any home visits (as is your right) and if they do then you will call the police as this is now considered harassment.

 

They sent me to Green & Co today:( I is so scared;)

Advice & opinions given by spartathisis are personal, are not endorsed by Consumer Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.:)

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You are supposed to be intimidated by the LURID RED WRITING.

 

 

I love the way the squiggle is supposed to be from the ''Pre-Legal Collections'' which would mean that their collections are not yet LEGAL;):):D

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v interesting to observe what I will probably be facing next. Amazing how knowledge empowers and reduces stress. (thanks cag again)

 

I was wondering if anybody had created intimidating headers to reply? Or is it accepted norm not to reply to any of these dca letters / threats?

 

What's annoying on my part is that RBS have terminated account after a wrongly dated default, cancelled the termination, kept the default and keep sending me statements and threats saying they will terminate account and default me!

 

Good old RBS - they are the main ones that give me encouragement due to all their faux-pas.

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Hi Manc

 

What is the update,

 

I am in a DMP with RBS Mint as I have found that they have failed to list the essential prescribed terms in my CCA,

 

In all this saga have you managed to get the card removed from your credit file?

 

rgds

 

 

My credit file is in such a mess that I am not bothering about it at the moment. I am just playing the waiting game for statute barred now.

It's all fun and games until someone loses an eye :D

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  • 1 month later...

Next up is Scotcall who say failure to pay in 7 days will result in the account being passed to their Field Representatives who will arrange a Doorstep Call.

 

Will send a doorstep letter and file away.

 

Btw, Of course I didnt get a NOA !!!! :D

It's all fun and games until someone loses an eye :D

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  • 2 months later...
  • 1 year later...

It has been a while since anything happened on this account.

 

Today a letter from my favourite bunch of monkeys arrived:

 

Mint_Moorcroft26March2011001.jpg

 

We have no idea who Arrow Global are, as they have never sent us any letter in the past.

 

Anyway, doorstep letter sent and this letter filed, for future fun !

It's all fun and games until someone loses an eye :D

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Been sold on or is it the securitisation company who actually owns the debt?

Advice & opinions given by spartathisis are personal, are not endorsed by Consumer Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.:)

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bulk buy book debts and then get others to collect eg moorcroft, have you ever been informed of the sale?

 

http://www.arrowglobal.net/services/debtpurchasesolutions.aspx

Advice & opinions given by spartathisis are personal, are not endorsed by Consumer Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.:)

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I have one with RBS n thsy have admitted in writing that all they have is an app form, but they still pass it around to everyone. The all go walkies when the know the truth :)

Advice & opinions given by spartathisis are personal, are not endorsed by Consumer Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.:)

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I have one with RBS n thsy have admitted in writing that all they have is an app form, but they still pass it around to everyone. The all go walkies when the know the truth :)

 

I know when a DCA is desperate when they pass it to Moorcroft :lol:

It's all fun and games until someone loses an eye :D

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Ha :)

 

so far only cabot have provided a true cca on a halifax debt they bought, the card was taken out 1991!! Unfortunately it is totally legit :(, though the totally crap Default Notice Halifax sent beforehand has so many errors I laugh every time i look at it :)))

Advice & opinions given by spartathisis are personal, are not endorsed by Consumer Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.:)

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  • 2 weeks later...

Hi Manc,

This sounds identical to my situation with Mint. Passed to Bryan Carter, CCA'd September 2008 and everything went until this month when I received a NOA from RBS to Arrow Global and a Notice of Debt Collection from Wescot.

Am not sure what to do now, CCA Westcot or just ignore them. Am playing for the Statute Barred as the original default was 6 years ago next February.

Will watch your thread with interest!

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  • 1 year later...

Apparently my wife is dead !!!

 

That is according to the latest letter we got from Phillips & Cohen on behalf of Britannica Recoveries S.a r.l- Arrow

 

To the Executor of the Estate of the Late Mrs X

 

Bunch of numpties probably think we will phone up and say she isnt dead, but will let them think what they want!!

It's all fun and games until someone loses an eye :D

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