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    • STUPID TYPO IN MY ANGER CORRECTED.   Breaking: MPs have rejected a plan to extend free school meals into the school holidays by 322 votes to 261. The Labour motion, which was defeated by a majority of 61, would have extended provision of hot food for children until Easter 2021.   Boris Johnson had whipped Tory MPs to vote against the plan - BUT ANY WITH A SHRED OF DECENCY SHOULD HAVE VOTED FOR IT ANYWAY.   Johnson happy to give £500 million to serco to fail to gather 250 spits samples a day but will see children go hungry Utterly unfit to be considered a human being.     https://www.independent.co.uk/news/uk/politics/free-school-meals-vote-marcus-rashford-boris-johnson-holidays-b1209118.html
    • Hello,   My mother took an unregulated secured loan in 2001 for a total amount of £31,075 including PPI which we have tried claiming back but was sold through broker who now don’t exist.    When we requested SAR in Oct 2019 having added up payments made up to that point and including all payments sent up to sept 2020 she has paid £81,895.40 and still owes approx £40,000 (not an updated settlement figure)    unfortunately she did default a few times in the first 3 years of the loan agreement however has not defaulted since November 2004.     We frankly can not make head nor tail of the charges and subsequent interest added on the charges.    I am so desperate to make some headway and get some clarity on what to do for her.    PLEASE PLEASE CAN SOME HELP!!!!
    • Breaking: MPs have rejected a plan to extend free school meals into the school holidays by 322 votes to 261. The Labour motion, which was defeated by a majority of 61, would have extended provision of hot food for children until Easter 2021.   Boris Johnson had whipped Tory MPs to vote against the plan - BUT ANY WITH A SHRED OF DECENCY SHOULD HAVE VOTED AGAINST IT ANYWAY.   happy to give £500 million to serco to fail to gather 250 spits samples a day but will see children go hungry Utterly unfit to be considered a human being.     https://www.independent.co.uk/news/uk/politics/free-school-meals-vote-marcus-rashford-boris-johnson-holidays-b1209118.html  
    • this one where you've posted swift advances under mortgage companies forum
    • Hello,   what forum should I put it under? 
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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
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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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Has anyone else had dealing with these people?

 

We owe money to intelligent finance who handed the debt to Blair Oliver. We have a debt managment plan with Payplan and they are paying money to Blair Oliver every month on our behalf.

 

Every month Blair Oliver phone demanding more money, we say no, they get nastier and threaten court action and I tell them to go ahead if they think that is what they need to do. Needless to say nothing ever comes of the court threat. Payplan had advised that we pay them nothing over the phone.

 

Is there anyway I can get them to stop phoning? It has got to the point that I hang up on them to save another argument.

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Hi there

 

Send them this:

Your Street

Town

City

Postcode

DATE HERE

Company Name

Road

Town

City / County

Postcode

 

 

Dear Sirs

Harassment by telephone

 

FORMAL COMPLAINT UNDER THE CONSUMER CREDIT ACT 2006 COMPLAINTS PROCEDURE

 

Account Number: XXXXXXX

 

I am writing in relation to the quantity and frequency of telephone calls that I have received from your company, which I deem to be personally harassing.

 

I have verbally requested that these stop, but I am still receiving calls. (Delete if necessary)

 

I now require all further correspondence from your company to be made in writing only.

 

I am of the view that your continued harassment of me by telephone puts you in breach of Section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1997.

 

If you continue to harass me by telephone, you will also be in breach of the Communications Act (2003) s.127 and I will report you to OFCOM, Trading Standards and The Office of Fair Trading, meaning that you will be liable to a substantial fine.

 

Please treat this also as a formal complaint, and send me a copy of your company complaints procedure.

 

Be advised that any further telephone calls from your company will be recorded. (**Even if you don‘t yet have recording equipment!!**)

 

Yours faithfully,

 

 

[NAME HERE] (type don't sign)

 

Don't sign the letter and send recorded (or special if you can afford) keep the receipt safe.

 

You might what to read the following thread:

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/99376-telephone-harassment-action-plan.html

 

and this one

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/99361-you-being-harassed-telephone.html

 

Remeber NEVER talk to them on the phone......NEVER

 

Hope this helps

Edited by Tartan Barty
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I have dealt with B O &S for sometime and like all debt collection services they act as bullies. Stand up to them and they back down. I have told all debtors that I am unable to discus matters by telephone and threaten them with the Disability Discrimination Act if they insist I phone them. This usually stops the phone calls. I also always insist on everything in writing now, having fallen foul of a telephone agreement 20 years ago.

Interesting to note they have never answered a single one of my letters.

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Hi as you are with Payplan they are breaching OFT guidelines by contacting you directly

 

2.8

 

(d) contacting debtors directly and bypassing their appointed representatives

 

I am in DMP with another group B.O.S contacted me directly as with you I informed my DMP and they made a formal complaint to both B.O.S and OFT. I got further phone calls for another three days then they stopped no calls for two months now and still paying the same amount each month.

 

dpick:)

cannot find it A to Z

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

 

 

Halifax :D

Paid in full £2295

 

MBNA:mad: 20/03/2008 settled in full out of court

 

Capital One:D

07/07/2007 Capital one charges paid in full £1666

19/01/2008 recovered PPI £2216 + costs

 

Littlewoods :-D

12/08/2007 write off £1176.10 debt.

 

JD Williams charges refunded in full £640

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Hi. No not in any payplan or similar arrangement. I was in one several years ago until I realised that out of £600 a month, they were creaming off more than £100 so I canceled and arranged my own agreements direct. It means more work but gives me more control and I have fun taking these and other 'bullies' to task.

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  • 2 months later...

yes blair oliver and scott creamed off three hundred and seventy four pounds and six pence from my monthly measly part time salary stripping it to the bone and leaving me one pence to live on for the month, when I rang them today the woman on the premium phone line cut me off......

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First pay them what you can afford and not anymore, if this means altering a budget plan do it. You'd be surprised how high you can go before it's questioned.

 

Secondly,why are you calling them? It's expensive and pointless.

 

Write and never answer withheld numbers.

 

Simple really

We live in an unmoderated country why should the net be any different?

Bring back free speech we miss it!

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  • 11 months later...

I am unsure what to do... i have just checked my online banking and £230 has been taken from my account! I called up the bank and they said Blair Oliver & Scott took the money! I have never even heard of them let alone gave permission for money to be taken out of my account! The person on the phone said it could be that i have a credit card and they are taking the money for that but i have a payment plan worked out with the bank!!

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What I can't understand is how this shower of bandits got access to your bank account. However, it would be wise to change banks and have your income paid into another account. (Basic bank Account) Don't under any circumstances give details of the account to the brain dead. If you could let us know the level of debt and any assets you have, it may be possible to offer further assistance.

Remember that Blair Oliver and Scott are in house DCA's for HBoS. Furthermore never enter in to telephone conversation with any collection agent regardless of what they threaten you with. Pen to paper accuracy is more than these pea brains can cope with

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who do you bank with?

 

ida x

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

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  • 1 month later...

The very same thing has just happened to me jiggly 87t. I checked my online banking and the b*stards took £100 on th 4/11 and a further £260 yesterday. I haven't used this current account for that very reason for years and only put money in there to pay Mortgage and Council tax arrears by debit card. I posted my own thread today about this but not had a reply yet.

 

I went down the CCA route with Halifax cc services this time last year and they passed it to Blair witch, I sent a 'I do not acknowledge any debt to your company so prove it' letter and no CCA arrived they passed it onto Moorcroft debt recovery and I sent them the same letter and yet again, no reply and no CCA. Is there a way to get this money back, customer relations told me to ring BOS direct which Im reluctant to do, but Im also of the opinion that if they cannot supply me with a valid CCA, they cannot prove I owe this money and have therefore stolen it......

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Hi, horsemad1.

 

Although there is no CCA, the debt still exists, only they cannot take you to court for it, any payments on the account , I think are looked on as gifts or goodwill payments :confused:

 

I think the best thing you could do is move your account somewhere else, so they cannot dip into it.

 

Regards.

 

Scott.

 
 

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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Help keep it up and active, helping people like you.

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