Jump to content
  • Tweets

  • Posts

    • vs Boris' ego and self-image
    • Very good, BN.   I did read earlier that one of the Scottish scientists said measures in Scotland are starting to work but that there's a way to go.
    • lets cut to the chase, HB,  Christmas is Cancelled,  it already is by the Wee Nippy in Scotland it seems, where she is talking of a Zoom Christmas. so record a parody Christmas song.  Zoom Christmas a parody of Bing Crosby White Christmas I might just do that today Fire up the DAW plug in the mic
    • @honeybee13I genuinely think Boris is confused about what to do. Economic disaster v even more unexpected deaths.    I see what you mean, UB, but is it possible that dithering since September means that lockdown will be longer and cost the economy more than if there had been a two or three week circuit breaker a few weeks ago?   I'm interested to know why it's going to be on Wednesday, so quite a wait from it being known, albeit through two newspapers and not an announcement yet. France had a day or two's notice of their second lockdown.  
    • I'm trying to understand the whole story.   However it would help if you would identify the companies you have been dealing with
  • Our picks

    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
      • 49 replies
    • 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.
       
        • Thanks
      • 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!
        • Thanks
        • Like

Hog29 -v- BC (Morgan Stanley, Goldfish)


Please note that this topic has not had any new posts for the last 3995 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hi all,

 

Had another letter from BC, this time from Customer Relations, saying that they and Mercers were within their rights to contact me for recovery purposes. This department is obviously not aware of my, so far unanswered request under the CPR route or the dispute status. It has not yet been 21 days since I sent the CPR letter. BC is trying to be nice in this letter, offering to help me, keep the complaint in house, and find a solution. No mention of not meeting their obligations and a clear denial of any dispute.

 

Please see also my submission under Citi Financial.

 

I think I will just reply to them with a another copy of the CPR letter.

 

Hog

Link to post
Share on other sites

Persdonally, I'd not bother replying.

 

Just send the 2nd CPR letter when the 21 days is up.

 

Also, read here - http://www.consumeractiongroup.co.uk/forum/barclaycard/195898-cpr-strategy-important-success.html

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites
  • 6 months later...

Hi, again,

 

BC keeps sending me so called "true" copies of the credit agreement and then passes the account on to yet another debt collection agency, after previous ones have failed to get anything from me.

 

I am interested in clarifying two points: Since the original agreement had been with Morgan Stanley, can a copy of the agreement/terms and conditions on Barclaycard headed stationary and stating that the agreement is between BC and the other person ever be a "true" copy?

 

The other point is: BC do not know that I have a photocopy of the original agreement, which was sent to me when I demanded my PPI premiums to be refunded, a case which is still with the FOS some two years later.

 

The copies of the CCA which BC offers as true contain all prescribed terms on the first page, the actual signed Morgan Stanley document does not. Has BC been guilty of a dishonest manipulation of the truth here? After all, even allowing for the signature box and my name and address, etc, to be omitted from the copy, the copies they supplied cannot be called "true".

 

Regards

 

Hog29

Link to post
Share on other sites

Hi Hog,

 

Did you send the 2nd CPR letter. If so, have you followed up with a N244 Application to court ?

 

The point here is that, technically, BC have complied with s.78 CCA 1974 by supplying the T&C's. Accordingly, they maintain they are permitted to continue with collection activity.

 

This doesn't mean what they've supplied would enable a court to confirm the account as enforceable.

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

Thanks, Slick,

 

No I have not made the Court Application yet. Do I have to pay anything for doing so?

 

And what about my point that the T&Cs are not true copies?

 

Thanks

 

Hog29

Link to post
Share on other sites

Yes, and the costs involved in making the N244 Application are d/w in the CPR thread. See Link No2 in my signature for this.

 

I will re-iterate. What they send in complying with your CCA request may fulfil their obligations imposed by CCA 1974.

 

But his has nothing to do with the a/c being enforceable in a court. For this, they require the original properly executed credit agreement.

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...