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    • They said they investigated and offered me an apology only. They still won’t send me all the info I have requested numerous times. Given up! 
    • Thanks for this information it’s helpful i thought the default was from when an account defaulted so 2014. Not when it was sold ?  Is that correct ?    it’s just that now I don’t know if the default has ended in MAr 20 or not now until Mar 22 ?  Thanks 
    • Hello,   How are you progressing with Swift?
    • Interesting that dodo has only been there 10 minutes and tories are saying she should go as the public have 'lost faith' in test and trace   LOL Scapegoat Harding for the crap from before this version of trace a test and lie even existed. No sympathy from me though.  
    • OK, but I would advise that you keep clear in your mind what you want to achieve. I would think that you want to have free and clear title to the car.   To get that, I would say you already have enough to have your solicitor put a letter together and approach MB, without the co-operation of the seller. They may well just issue the title and you're done, after all I doubt this is the first time this has happened to them. If not, you can still pursue the seller via your solicitor but given that he is a scammer I wouldn't hold out much hope of him suddenly coming clean!   Just my opinion, I'm not a solicitor but I have been in situations not unlike this and know that it easy to make things more complicated for yourself by not 'keeping your eyes on the prize'.   Best of luck.
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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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      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.
       
      • 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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Data protection breach?


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Hi,

Not sure if i'm posting this one in the correct place.

Late last year Largo sent me a set aside notice to a stat demand. however they also sent me two... and one was meant for someone else. It has their full name, court name, court number and the creditors name. Largo have told me that this is not a breach of data protection.

I have asked Largo to give me contact details for phoenix, whom ultimately own the debt (i said that i was worried about my details being entrusted with them)... this was in October and they are still telling me that they will advise me "in due course"

 

largo are now making things very difficult for me, and i am keen to return the favour. :)I've looked at the Fsa's website, and that doesnt seem like the right place to complain? Does anyone know where i can start? (Or if indeed it's worth doing so!)

 

 

Thankyou

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Report this to the Information commissioner. It IS a breach of Data protection legislation, whatever these liars tell you

 

Complaints - Privacy & electronic communication - ICO

I am a lawyer, but I am an academic lawyer. I do not practice as a barrister or solicitor. You should consult a practising Solicitor BEFORE taking any Court or other action

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brilliant! Thankyou

I'll get straight on to them!!

I'm also going to cc in HSBC to all correspondance (my original debt was with them, and im a hope to embarass Largo) and the creditor on the stat deman that isn't mine!

I'd love to be able to track down the person on the stat demand and give her all the info so that they can make a complaint too!

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they do seem to be a very small company! I've had emails from the "complaints department" "managing director" and "legal department" ... all of which are directors! Fortunately i have it in writing from all 3 that there is "no breach of any data protection".. one of the emails had the subject as "can you check this please.. quick repsponse to complaint" ... Very professional!!

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