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    • This was why I was rejected the full amount:  
    • I haven't sent them anything, is there a way to retract this? (in relation to me adding more info)   I am also unable to upload the PDF as I do not have a way to redact any personal information, however the defendants are as follows:  
    • Its just come to my attention that a friend has been getting pressure from a company called ACT credit management. They are collecting a debt on behalf of a service provider.  My friend has been pressured to pay far more than they can afford and I've suggested that they request an income and expenditure form. This has been sent but insists on evidence for all about goings. Bank statements etc. Can they legally insist on this evidence.   I'd also like to know if it reasonable to request details of the debt. it wasn't  credit agreement it was for an essential service that should have been paid when the invoice was presented. I'm not convinced that the original cost was fair.    Thanks in advance
    • Sorry, but we need to see the entire claim form in PDF. Scanned. I'm particularly interested to see the description of the parties. Also, I notice that you said that you would provide further details of your claim. This was unnecessary – and probably you shouldn't have done it. Have you sent them something now?
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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.
       
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      • 3 replies
    • 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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Me vs 1st Credit


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one good thing your near the bottom of the pond life food chain if muckyhall are involved

 

From reading other threads here, I assume this is a "good thing"?

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  • 2 weeks later...

Ok. I've received a reply from MH stating:

 

Request for copy agreement under section s.78(1) of the Consumer Credit Act 1974.

 

Dear.........

 

We refer to your letter dated ............

 

We have contacted our client for a copy of your agreement and statement of your account.

 

Your account is currently on hold. Please be assured that no action will be taken against you.

 

Should we not receive the relevant proof from our client within 40 days we will close your file and return the file to our client. Our client will then decide what step (sic) to take.

 

Yours sincerely

Mary Gibson

Compliance Department

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As an afterthought, do I need to acknowledge this, or respond in any other way?

 

TIA

 

Ok. I've received a reply from MH stating:

 

Request for copy agreement under section s.78(1) of the Consumer Credit Act 1974.

 

Dear.........

 

We refer to your letter dated ............

 

We have contacted our client for a copy of your agreement and statement of your account.

 

Your account is currently on hold. Please be assured that no action will be taken against you.

 

Should we not receive the relevant proof from our client within 40 days we will close your file and return the file to our client. Our client will then decide what step (sic) to take.

 

Yours sincerely

Mary Gibson

Compliance Department

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No you don't need to respond to them, welcome to magic roundabout ;)

 

 

 

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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.

 

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Ok. I've received a reply from MH stating:

 

Request for copy agreement under section s.78(1) of the Consumer Credit Act 1974.

 

Dear.........

 

We refer to your letter dated ............

 

We have contacted our client for a copy of your agreement and statement of your account.

 

Your account is currently on hold. Please be assured that no action will be taken against you.

 

Should we not receive the relevant proof from our client within 40 days we will close your file and return the file to our client. Our client will then decide what step (sic) to take.

 

Yours sincerely

Mary Gibson

Compliance Department

12 days + 2 for a CCA request. 40 days is for SAR.

 

Fools that they are

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  • 2 years later...

So.... nearly three years have passed, and this morning I've received a letter from 1st Credit.

 

It basically says they are disappointed that despite their attempts, I have not communicated with them or paid the debt in full. It goes on to say that they have engaged the services of a debt collection agency and that my account has been transferred to that agency (no indication of which agency). Their instructions to that agency are to seek to obtain the outstanding debt on behalf od 1st Credit, and that this collection activity may include a visit to my home etc. etc.

 

It finishes by stating that whilst my account is with the debt collection agency, that any payments (yeah, ike that's going to happen) and correspondence should be directed to them (a bit difficult seeing as they don't bother to state just who they're talking about).

 

So my question is, do I just ignore this, or should I respond?

 

I don't have access to a scanner at the moment, so I have summarised the letter instead above.

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They'll probably transfer it to CONnaught... 'Tis up to you how you proceed...

"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.

 

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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...

 

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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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So.... nearly three years have passed, and this morning I've received a letter from 1st Credit.

I don't have access to a scanner at the moment, so I have summarised the letter instead above.

 

I did wonder why this flagged up again so long after it was first opened, well well well, 1st Crudit scratching around the bottom of the barrel in an attempt to get some more of their ill gotten gains.

 

You have to admire their deluded persistence though, can't wait to see what their missive actually reads like, I do so love baiting DCA's......

 

Lucky Lucky You, they don't talk to me anymore, so I have to try and make my own mischief up with them...

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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