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    • We hear from three people who have started their own companies during the downturn in aviation. View the full article
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    • its a 12mts contract else why would it say till 2021 and first month..   simply states they don't charge a joining fee clever marketing ploy as people don't read things. it IS a monthly payment, that runs for 12mts.   but anyway there is stuff and all anyone can do to you.   dx        
    • Hi Slick,   Amazingly fast reply, thank you!   According to the reference on the payment it says "ON 24 SEP BCC" and the payment cleared 25th September at 11:26   I was simply told to sign up on the website by a staff member in the gym, no further information was given to me by them. The website stated that it's a rolling monthly membership that could be cancelled at any time "No contract membership JUST £14.99 a month, until 2021*" As far as I am aware there was absolutely no minimum membership length, unless there's some small print I've missed somewhere. But Harlands haven't mentioned anything about me being obliged to pay for a certain length of time so... I've attached a picture to this post of what I signed up for.   Also, I'm not sure if this has any relevance at all but the building is plastered with £9.99/month signs EVERYWHERE yet it costs £14.99 when you go on the website. False advertising 🙄 Could perhaps use that as leverage in a letter if it comes to it, I dunno? 😂
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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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Ist Credit/Connaught out of the Blue


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Are they legally allowed to do this even if you have disputed the debt if it's statute barred?

 

Of course they are. You just have to stop them getting away with it by default.

It means being alert at all times and keeping in step with them when they try something.

I really do appreciate all those 'thank you' emails - I'm glad I've been able to help. Apologies if I haven't acknowledged all of them.

You can also ding my gong if you prefer. :)

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I went to the court I was told to go to by my local court which is an 1hours drive with 2 kids. When I got there they said that I had to go to another court who deals with these maters and Yes i did check before setting off with my county court. When I rang them later to complain they said that the court the gave me was one of a few courts that could be dealing with it.....now I have to teka another day off and head for this other court.

 

Another day off from work and another 1.5 hours there and backa total of 3 hours.........With the Kids..............Its does not seem fair.

 

Shannon16

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Sorry to hear your experience with court staff has been bad, they're usually very good :confused:

 

That 3 hour drive is worth it though as the SD must be set aside.

 

Keep a note of your costs and petrol receipts etc and a note of what's been happening to show the judge.

"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

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It goes on th say How to comply with a stutory demand(ACT within 18 days) The letter is dated 12 of July although it only arrived yesterday

 

I have just been reading through this thread as I have a similar situation ongoing with 1st Credit and Connaught.

 

I have not seen anyone mention it yet, but you state earlier that you received the SD on 17th July, and as of today you haven't applied to have it set aside (I know there have been reasons).

 

It would appear that you are out of time, 22 days as of today and 25 by the time the courts open again.

 

Maybe somebody can advise Shannon16 on this aspect aswell, I am not sure whether the courts will accept the documents outside of the 18 days and am not qualified to advise.

Edited by Mr Bear 79
typo
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You have 18 days from the date of RECEIPT which can be 5 days after the date of issue. We have been trying to get the OP to get the SD set aside...

"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

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Just get her to tell the court she received it a few days later if it was sent by ordinary post ;)

"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

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  • 2 weeks later...

Dear All this arrived this morning.

 

I have been trying to find the court I need to go and get this set aside.AM I too late.I have received no petition yet.

 

Please can anyone out there give me clear and consice instructions as to what to do.

 

I have 2 small kids and am just about meeting the morgage repayments.

 

I am stressed to the nines . I have tried to get this set adise but I go to one court the tell me go to another .

 

This is now serious .

 

If their are any peolpe out there who can give me consise instruction as to what to do next , I will make a donation to the site of as much as I can afford.

 

Please help me.

 

I nedd to act on this today.

 

This was sent second class and yet only arrived today. HELP!!!!!!!!!!!!!!!!!

CONNOUGHT COLLETIONS UK LTD Purley Way.doc

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Shannon you need to ring your nearest court and ask to speak to a senior member of staff urgently and explain in full what's happening and the wrong info. you've been given.

"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

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OK Shannon try and calm down....this sounds like it may be one of these false stat demands flying around by Connaught / 1st Credit....but that doesn't mean to say you can ignore it.....

 

Have you filled out the forms ? stating that the debt is statute barred ?

 

In the meantime send In that case I would send Connaught this letter here 'M' send it by recorded delivery and do not hand sign it... - LETTER 'M' - Creditors and DCAs - Letter Templates & Budget Planner

 

With regard to the statutory demand, if it was me in your shoes, I would take it to the court nearest to you that handles bankruptcy (take a look here and find the nearest one to you...(PM me and tell me where you live) and ask them if it is genuine....I know of one cagger here who took his to his local court and they recommended taking it to the magistrates court as it is a clear abuse of process....

 

If indeed they confirm it is then hand in your documents (ask them to sign your affadavit) (this will be free at the court, otherwise £5 at a solicitor) I would also add a sheet with your own costs on it.....

 

Also have a read here...

 

CCA 1st Credit / Connaught

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

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Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

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Reasons for setting aside you should write that

 

The debt is barred by the statute of limitations Act 1980

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

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42nd man

 

First can I just say thank you.

 

I have filled out the forms but when I took them to the Court they said that they tdid not deal with bankruptcy.

 

I have found 2 courts which deal with bankruptcies now.

 

Should I ring them and ask them if a petition has been issued?

 

I cannot thank you enough . I will get letter M sent Today and I will PM you my address.

 

Thank you again and also creditcard mug. Please keep in touch..........Shannon16

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No need to PM your address to me, as you have found the nearest court that deals with BR....Ring the courts first and explain the situation, ask them if it is genuine, if in their opinion it is then I would take the forms to the court ASAP (sorry to hear that the nearest one doesn't deal with BR's, but at least you have hopefully found the right one !!)....and add a sheet with your costs too....If the court say it isn't genuine, then take it to the magistrates court like the cagger did in the thread above....

 

I would also state that if it isn't a genuine article, get in contact with your local MP too and write letters of complaint to your local TS and the OFT and also in your statute barred letter to Connaught request their official complaints procedure....then make a complaint to them and request they pay all your costs to date, otherwise you will complain to the Financial Ombudsman Service (who will charge Connaught £450 to investigate your complaint) The FOS will only look at complaints if the person complaining has lost out financially which you have in attempting to address a fake statutory demand !! - if indeed it is a fake one !!)

  • Haha 1

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

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Shannon...IMO, take the forms down to the court and ask them to sign your affadavit on oath, (take copies for yourself)....and give them both forms...don't risk this being anything other than a genuine threat.....!!

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

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Hi Shannon,

Sorry for not responding I have been away and had no internet access.

Firstly you can still apply for the statutory demand to be set aside even though the time limit has expired. The one reason for this is error by the court staff. Although they do not give legal advice they are supposed to know procedures and which court does what. I would try to get it set aside at this stage.

 

When you go to get the SD set aside take along another statement which should be a diary of contact with the courts.

 

It will be up to the judge if itis accepted.

 

If a bankruptcy petition is presented then it can be defended on the limitation act. This would be harder and more time consuming. That is why I recommend getting the SD set aside.

 

The main thing is not to panik. Most of these letters are threatograms.

 

Another option is to phone the FSA and say that Connaught have issued you with an SD for a debt over 6 years old. They may write to Connaught straight away.

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I have looked at the SD and there are 2 things wrong with it.

1) It has to have a named person that you can contact.

2) It should give the name of the local court which does bankrtutcy and not just local court.

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