Jump to content
  • Tweets

  • Posts

  • 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

DLC / Hillesden... Barclays Master Loan - Set aside of CCJ help please


Please note that this topic has not had any new posts for the last 2508 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

yep sounds decent defence.

may be worth putting in ur N244 about the CPR rules regarding set aside (13.2/13.3 link below).

 

not only does it show u know wot ur on about

but directs the judge as well if necessary.

 

if u have had no docs back from CCA rqst and SAR so far id put that in as well under sect 10 for evidence

and/or state that u have sent a further request in an attempt to get disclosure.

 

if ur gonna get this (N244) in it will undoubtedly end up with CPR 31.14 request in my view

cos of the time constraints so have a scout round and get familiar with CPR disclosure. first few pages of this thread may help a bit:

http://www.consumeractiongroup.co.uk/forum/legal-issues/173201-why-you-shouldnt-use.html

 

link for CPR:

PART 13 - SETTING ASIDE OR VARYING DEFAULT JUDGMENT - Ministry of Justice

Link to post
Share on other sites

hi RW,

thats good first step over with...again..lol.

i think id be tempted to send a CPR 31.14 request (as you are now in proceedings) in the very near future (as soon as u hear from the court).

 

as i said before, the timeframes may or may not tie up with ur SAR.

problem is, wot if they dont comply?

reminders/complaints, etc, etc all take time.

 

with CPR rqst u can give them 14 days (less if needs be) to reply then reminder with 14 days,

then whack in the court application,

all b4 your SAR is even due back.

 

ive had probs myself in the past with having to rush these things.

the SAR is still useful as its from the OC,

it may throw up something u (or they) hadnt bargained on.

 

front foot is usually opined on here by those who know their onions so to speak...

. have a good read up on it and see wot u think (templates are easy to find from surfaceagentx20 or 42man)...

 

unless anyone else has any better ideas on the subject of course ...

Link to post
Share on other sites

Following with interest.

-

PLEASE NOTE - I am not a legal expert, my comments are based on information learnt or

obtained and from my own experiences.

-

Case 1 - C L Finance - Court Case 'Stayed' :-). Stay Lifted - N149 AQ Received & Filed. Case Struck Out :grin:

-

Case 2 - C L Finance - Defence Filed. N150 AQ Received & Filed. Case 'Settled by Consent' :)

-

Case 3 - EOS Solutions - No Agreement - Account Closed ~£3500. :grin:

-

Advice & opinions offered freely but informally, without prejudice & without liability.

Use your own judgment and seek advice from a qualified and insured professional if you have any doubts.

Link to post
Share on other sites

right ok... update. got a letter from my local CC today....

 

"The hearing of the defendant's application for set aside of Judgement (see copy attatched) will take place at 12:00 on the 16th June 2009. at ** County Court *******, ******* "

 

Ok...now... any advise on how to put a defence together for this?

 

Any help appreciated as always :-)

Edited by RW Fugitive
Link to post
Share on other sites
right ok... update. got a letter from my local CC today....

 

 

 

Ok...now... any advise on how to put a defence together for this?

 

Any help appreciated as always :-)

 

did u send any CPR requests?

what did u put in ur application for reasons to set aside?

Link to post
Share on other sites
did u send any CPR requests?

what did u put in ur application for reasons to set aside?

 

 

Thanks r&b.....

 

I didn't send any CPR requests, no.. :(... I didn't think it would come through this quick... although you did warn me!

 

I put in my application that I was not living at the address when the judgemnt was made and had no knowledge of the court date, so was unable to defend.

 

I advised on CPR Rules 13.2 and 13.3.

 

Thanks

Link to post
Share on other sites

ok well that shud be enough but depends on the DJ as usual...

 

id still send one off tomorrow if poss giving 7 days to reply.

tho i doubt u will get any response,

it may sway the judge if he is of a mind not to set aside that the production of docs may help him decide

(u will potentially have to argue that point to convince him so have a script in mind)

and u having started the ball rolling etc etc.

 

make sure u have complete evidence of your absence from the address as thats the main point of attack from their side.

 

this link may be helpful:

 

http://consumeractiongroup.co.uk/forum/legal-issues/159445-getting-them-reveal-their.html

 

also in formulating ur arguments (tho u wont need a defence)

have a look thru this defence/skeleton argument posts 177/178 here,

 

as it deals with a case with no docs. im not saying its foolproof but its been checked over by a few experienced people

and had no comeback so must cover most of it:

 

finding faulty cca agreements after a ccj?? - Page 9 - The Consumer Forums

 

might give u a few ideas anyway..

Link to post
Share on other sites
  • 4 years later...

Aplins have written to me about a debt I have with Hillsden / DLC.

 

It was a CCJ from 8 years ago and I've been paying £50 per month for over 6 years now.

 

They are saying I haven't paid and are about to issue a writ for a Warrant of execution ?

 

I've never missed a payment and have paid even when I was unemployed.

 

Can they do this?

Link to post
Share on other sites

nope

 

what are these silly buggers upto.

 

dx

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

Link to post
Share on other sites

is this the Barclays one or the amex one?

 

dx

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

Link to post
Share on other sites

Hi,

 

You need to write to Aplins and state that you have been complying with the terms of the CCJ and have paid the agreed amount every calender month.

 

Any action will be vigorously defended.

 

Did Hillsdens / DLC take you to Court?

Are Hillsdens / DLC named on the Court paperwork to pay?

You must continue to pay whoever is named on the Court paperwork at the agreed amount.

Only a Court can change who you pay.

 

If your financial circumstances change in future, you can apply to the Court for a variation in the amount.

 

Do not ring, keep everything in writing so you have a nice papertrail.

 

Have you full payment statements to show that you have fully paid on time and every month?

 

Stigman

Edited by Stigman
as usual forget a line - grrrrrrr
  • Confused 1

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

Link to post
Share on other sites
Hi,

 

You need to write to Aplins and state that you have been complying with the terms of the CCJ and have paid the agreed amount every calender month.

 

Any action will be vigorously defended.

 

Did Hillsdens / DLC take you to Court?

Are Hillsdens / DLC named on the Court paperwork to pay?

You must continue to pay whoever is named on the Court paperwork at the agreed amount.

Only a Court can change who you pay.

 

If your financial circumstances change in future, you can apply to the Court for a variation in the amount.

 

Do not ring, keep everything in writing so you have a nice papertrail.

 

Have you full payment statements to show that you have fully paid on time and every month?

 

Stigman

 

Yeah, never missed even one payment. I had to double check there wasn't another CCJ! but no it's the same one. they have been ringing me loads lately, but TruCall has been telling them to do one ;)

Link to post
Share on other sites

Could it just be a rouse to get more money out of me? silly question i guess! LOL

 

Christmas is a coming, you got presents to buy when instead you and your family could go without and give them a healthy Christmas bonus lol.

 

As usual, debts or multiple parcelled debts get passed around with limited data attached, could also be a ploy for you to telephone them so you could be bullied into upping your monthly payments as you have worked out which means you then are in breach of your CCJ.

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

Link to post
Share on other sites

threads merged.

 

so you never got the set aside done?

 

what happened please?

 

dx

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

Link to post
Share on other sites
threads merged.

 

so you never got the set aside done?

 

what happened please?

 

dx

 

I frantically checked to see if i ever replied to their claim and I did (there was so much going on at that time, it was all a blur) ,

 

I couldn't use the "didn't know they had taken me to court" route :(

 

I just had to start paying up.

 

I agreed a payment plan with them and had kept up the payments since, never missed once.

 

I have no problem paying it as it is my debt,

 

I just feel annoyed by their recent threats.

 

I'll fire of the letter tomorrow.

 

Thanks guys :)

Link to post
Share on other sites

so you agreed a payment plan outside of the court being involve and after the judgement?

and what was the judgement, have you the CCJ copy?

 

they MUST abide by anything the judgement says

 

dx

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

Link to post
Share on other sites
so you agreed a payment plan outside of the court being involve and after the judgement?

and what was the judgement, have you the CCJ copy?

 

they MUST abide by anything the judgement says

 

dx

 

I can't find the actual CCJ, no. Yeah, I agreed a payment plan with them without the court being involved, they've happily taken those payment for 4 years now from what I can see. I've never missed a payment and it comes out as a standing order every month. I just don't want any more added to the debt. Sending a letter today to them asking on what grounds they are going for a writ. Thanks

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

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...