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    • No response? We can only assume your outburst of apparent EU prejudice is unreasoned or at least so badly excused it would fall apart at first glance.   We are clearly poles apart given you seem to be a Trump supporter, climate science denier and soundbite brexiter .. for whatever 'reasons, but perhaps we can agree on something that seems quite basic to me   Perhaps you could tell us whether you signed the petition to feed children in support of Marcus Rashfords campaign? or are you more in support of Steve Bakers view that it would break the UK economy    
    • I think I'd be careful about telephoning them. I can imagine that people would be quite anxious and imagine that there is something going on. Although it's probably a lot of work, I think I would consider visiting at least a sample of your list. What would be interesting of course would be to get round to seeing half a dozen people and seeing what happened. If you found that none of them had taken any further than you might want to try another half a dozen and then give up. On the other hand, if, say, 50% – you choose – had taken it further then consider that it is worth your while spending more time visiting more people. If you do an SAR and then compare the results of the SAR with your findings – you might find a big discrepancy and good evidence that you are being ripped off. This would give you a very powerful case and of course we will help you to maximise it. I think the point of this is that you need to carry out some careful research, careful preparation, careful information gathering so that you have got a watertight case in order to pursue it as effectively as possible if your suspicions turn out to be correct.
    • Hi Andy,   Thank you for your message. I was just about to post a message regarding the latest developments so your note is very timely   Regarding latest developments the following is the situation   Dear All,   1. We received a notice from CEL that because they have discontinued their claim, they consider the matter is now closed as we have not submitted our counter claim, However, my wife replied to the email that the Counter Claim was attached to the Defence Documents which was submiteed and copied to them.   In any event they knew that there is a Counter Claim because they asked us to drop it within 7 days and then they offered to pay our court fee only. !!   2. Firstly, there is an issue here. CEL submitted their notice of discontinuance 2 days after the deadline for their court fees to be paid. And also, as far as we are aware, they have not paid their court fees.   3. Surely their case should be struck out by the court for this failure to pay their fees on time - irrespective of their submission of the Notice of Discontinuance two days after the deadline date which they obviously made after the receipt of the Defence Documents.   4. As for their comment that we have not submitted our counter claim, this is definitely not the case as we made the Couter Claim and submitted this when we replied to their writ. So, as far as we are concerned, the counter claim is still very valid   5. As we are within our 28 days limitation, we have not advised the court whether we are accepting their notice of discontinuance or not. We acknowledged its receipt only. We have submited the Case Plan to the court today.   6. Although it was not stated that we have to copy CEL, we are copying them anyway   7. As advised earlier to CAG we will follow CAG’s advice but we will action this before the hearing date   8. However having had the latest advice from Andy,  a. should we add the GDPR claim as an additional claim, and b. should we add the County Council as an additional party to the counter claim as previously advised.     thank you Warm regards BF      
    • Not usually, I'm afraid, it tends to confuse things and we like people to stick to one thread per issue. If you aren't getting replies as quickly as you like, it could be that you're asking about complex issues that not all that many people have experience of and will need to be patient until they can get here to answer you.   I'll merge your threads.   HB
    • yes we already have that its here in this thread    follow my search advice as earlier read other threads here on CAG      
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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?
       
      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!
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Debts, Lloyds, CCCS DMP, CCA…??


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Hello, I’m new here and wonder whether anyone could please kindly give me some guidance, I’ve read some of the other threads but don’t know if the advice given would apply to my specific circumstances.

 

I have a high level of debt which I’m afraid to say has mostly built up due to spending more than I have earned over the last couple of years since I suffered a neck injury which still causes me to be off work when it flares up.

 

It recently got to the point that I asked the CCCS to help me develop a budget and then a DMP as I was unable to meet the minimum payments. I was amazed at how helpful and understanding most of my creditors have been as they have almost all accepted the proposal and frozen the interest and charges or advised that they soon will, except Lloyds TSB (& Egg who told me from the start that they would default my account and pass it onto a collection agency, although I haven’t heard anything from them since.) Some accepted for a period of six months, is this likely to be so that they can review my case regularly or pass it to a collection agency after that time?

 

Lloyds seem to be causing me a little difficulty; they phoned yesterday to inform me that my account had gone into arrears, they said the ‘Notification of Debt Management Plan’ that I sent took in excess of 2 months to arrive and that they haven’t received any proposal from the CCCS. I’m quite sure they did receive this communication from the CCCS as the CCCS wrote back to me within a month of the DMP starting to state that Lloyds had rejected the offer due to ‘Debt Transfer.’ Lloyds say this isn’t true; the debt was apparently transferred to their collection department not a collections agency, they haven’t written to the CCCS and that they are unable to consider freezing any interest until they receive a proposal. The CCCS have resent the proposal at my request but neither is able to telephone and speak directly to the other. The advisor at the CCCS suggested that I am being treated unfairly (as the delay has meant that my account has incurred approximately £600 of interest and charges) and should explain this to Lloyds in writing and advise them that I will complain to the Financial Ombudsman if this doesn’t change within the next four weeks. Lloyds also asked, while they were on the phone, that I cut up my card, I explained that I had enclosed it (in pieces) with the ‘Notification of Debt Management Plan’ which took so long to reach them, as I did with all my cards.

 

I’m not blaming Lloyds, it wasn’t them who spent the money, but out of all of the people I owe money to, they were the ones who were happy to constantly raise my credit limit frequently and without my request.

 

I don’t want to make excuses but I was run over by a car about 2 months ago and have received no income since then, my mobility is staring to improve and I am hoping not to have to be off work for too much longer but it has certainly added to my financial difficulties, I’ve struggled to find the £648 each month that is allocated to my creditors via the CCCS. I haven’t told them about this as I don’t want to miss or reduce payments so soon after commencing the agreement. The driver who hit me was uninsured; I have placed a claim with the MIB but believe it could take a year or more to reach an outcome.

 

I want to pay back what I owe but will only be able to do so if my creditors are willing to compromise, otherwise anything I can pay is more than wiped out in charges and interest meaning I’ll never get anywhere, in fact I’ll continue to be increasingly worse off. I had taken on extra work and have given up smoking (among other things) so that I had more money available each month to go towards reducing my debts.

 

Until the DMP began a couple of months ago I had never missed a payment and when I last checked my credit file I had a score of 980.

 

My debts are as follows; NatWest loan £22,488, NatWest overdraft £1,030, MBNA credit card £8,871, Egg credit card £3,190, Lloyds TSB credit card £13,613, NatWest credit card £270, NatWest Platinum credit card £1,379, Tesco (RBS) credit card £2,793, Next store card £384 and Homebase store card £454.

 

I have a joint mortgage (my only joint account) with NatWest; we bought the house three years ago without a deposit for £63,000 so with the recent falls in house prices there is no equity in the property. I have not, and will not, fall behind with my mortgage payments.

 

I have heard that some agreements may be unenforceable and (as a last resort so that, for now, I can concentrate on the creditors who appear to be able to meet me half way) would like to ask how I go about finding out whether this would apply to mine? I understand that this would only apply to accounts opened before April 2007, which brings me to my next question; I opened my credit card account with Lloyds some time before this date, but for some unknown reason they more recently sent me a new card which was a MasterCard with a different number to my old Visa, they transferred the balance and credit limit (along with any transactions and payments made using the old card for a month or so before closing the Visa.) The expiry date on the Visa was nowhere near reached when this happened. Does this then count as a new agreement (with a new commencement date) even though I didn’t sign any further paperwork?

 

In addition to the questions I have asked I guess I would like some opinions on whether people consider what I’m doing as the best way forward or if anyone can suggest any alternatives. Also how best to deal with Lloyds, I feel a bit cheeky complaining to them or threatening to contact the ombudsman.

 

Thanks for your time, sorry to ramble on, any advice gratefully received.

 

Hello, I’m new here and wonder whether anyone could please kindly give me some guidance, I’ve read some of the other threads but don’t know if the advice given would apply to my specific circumstances.

 

I have a high level of debt which I’m afraid to say has mostly built up due to spending more than I have earned over the last couple of years since I suffered a neck injury which still causes me to be off work when it flares up.

 

It recently got to the point that I asked the CCCS to help me develop a budget and then a DMP as I was unable to meet the minimum payments. I was amazed at how helpful and understanding most of my creditors have been as they have almost all accepted the proposal and frozen the interest and charges or advised that they soon will, except Lloyds TSB (& Egg who told me from the start that they would default my account and pass it onto a collection agency, although I haven’t heard anything from them since.) Some accepted for a period of six months, is this likely to be so that they can review my case regularly or pass it to a collection agency after that time?

 

Lloyds seem to be causing me a little difficulty; they phoned yesterday to inform me that my account had gone into arrears, they said the ‘Notification of Debt Management Plan’ that I sent took in excess of 2 months to arrive and that they haven’t received any proposal from the CCCS. I’m quite sure they did receive this communication from the CCCS as the CCCS wrote back to me within a month of the DMP starting to state that Lloyds had rejected the offer due to ‘Debt Transfer.’ Lloyds say this isn’t true; the debt was apparently transferred to their collection department not a collections agency, they haven’t written to the CCCS and that they are unable to consider freezing any interest until they receive a proposal. The CCCS have resent the proposal at my request but neither is able to telephone and speak directly to the other. The advisor at the CCCS suggested that I am being treated unfairly (as the delay has meant that my account has incurred approximately £600 of interest and charges) and should explain this to Lloyds in writing and advise them that I will complain to the Financial Ombudsman if this doesn’t change within the next four weeks. Lloyds also asked, while they were on the phone, that I cut up my card, I explained that I had enclosed it (in pieces) with the ‘Notification of Debt Management Plan’ which took so long to reach them, as I did with all my cards.

 

I’m not blaming Lloyds, it wasn’t them who spent the money, but out of all of the people I owe money to, they were the ones who were happy to constantly raise my credit limit frequently and without my request.

 

I don’t want to make excuses but I was run over by a car about 2 months ago and have received no income since then, my mobility is staring to improve and I am hoping not to have to be off work for too much longer but it has certainly added to my financial difficulties, I’ve struggled to find the £648 each month that is allocated to my creditors via the CCCS. I haven’t told them about this as I don’t want to miss or reduce payments so soon after commencing the agreement. The driver who hit me was uninsured; I have placed a claim with the MIB but believe it could take a year or more to reach an outcome.

 

I want to pay back what I owe but will only be able to do so if my creditors are willing to compromise, otherwise anything I can pay is more than wiped out in charges and interest meaning I’ll never get anywhere, in fact I’ll continue to be increasingly worse off. I had taken on extra work and have given up smoking (among other things) so that I had more money available each month to go towards reducing my debts.

 

Until the DMP began a couple of months ago I had never missed a payment and when I last checked my credit file I had a score of 980.

 

My debts are as follows; NatWest loan £22,488, NatWest overdraft £1,030, MBNA credit card £8,871, Egg credit card £3,190, Lloyds TSB credit card £13,613, NatWest credit card £270, NatWest Platinum credit card £1,379, Tesco (RBS) credit card £2,793, Next store card £384 and Homebase store card £454.

 

I have a joint mortgage (my only joint account) with NatWest; we bought the house three years ago without a deposit for £63,000 so with the recent falls in house prices there is no equity in the property. I have not, and will not, fall behind with my mortgage payments.

 

I have heard that some agreements may be unenforceable and (as a last resort so that, for now, I can concentrate on the creditors who appear to be able to meet me half way) would like to ask how I go about finding out whether this would apply to mine? I understand that this would only apply to accounts opened before April 2007, which brings me to my next question; I opened my credit card account with Lloyds some time before this date, but for some unknown reason they more recently sent me a new card which was a MasterCard with a different number to my old Visa, they transferred the balance and credit limit (along with any transactions and payments made using the old card for a month or so before closing the Visa.) The expiry date on the Visa was nowhere near reached when this happened. Does this then count as a new agreement (with a new commencement date) even though I didn’t sign any further paperwork?

 

In addition to the questions I have asked I guess I would like some opinions on whether people consider what I’m doing as the best way forward or if anyone can suggest any alternatives. Also how best to deal with Lloyds, I feel a bit cheeky complaining to them or threatening to contact the ombudsman.

 

Thanks for your time, sorry to ramble on, any advice gratefully received.

 

Hello, I’m new here and wonder whether anyone could please kindly give me some guidance, I’ve read some of the other threads but don’t know if the advice given would apply to my specific circumstances.

 

I have a high level of debt which I’m afraid to say has mostly built up due to spending more than I have earned over the last couple of years since I suffered a neck injury which still causes me to be off work when it flares up.

 

It recently got to the point that I asked the CCCS to help me develop a budget and then a DMP as I was unable to meet the minimum payments. I was amazed at how helpful and understanding most of my creditors have been as they have almost all accepted the proposal and frozen the interest and charges or advised that they soon will, except Lloyds TSB (& Egg who told me from the start that they would default my account and pass it onto a collection agency, although I haven’t heard anything from them since.) Some accepted for a period of six months, is this likely to be so that they can review my case regularly or pass it to a collection agency after that time?

 

Lloyds seem to be causing me a little difficulty; they phoned yesterday to inform me that my account had gone into arrears, they said the ‘Notification of Debt Management Plan’ that I sent took in excess of 2 months to arrive and that they haven’t received any proposal from the CCCS. I’m quite sure they did receive this communication from the CCCS as the CCCS wrote back to me within a month of the DMP starting to state that Lloyds had rejected the offer due to ‘Debt Transfer.’ Lloyds say this isn’t true; the debt was apparently transferred to their collection department not a collections agency, they haven’t written to the CCCS and that they are unable to consider freezing any interest until they receive a proposal. The CCCS have resent the proposal at my request but neither is able to telephone and speak directly to the other. The advisor at the CCCS suggested that I am being treated unfairly (as the delay has meant that my account has incurred approximately £600 of interest and charges) and should explain this to Lloyds in writing and advise them that I will complain to the Financial Ombudsman if this doesn’t change within the next four weeks. Lloyds also asked, while they were on the phone, that I cut up my card, I explained that I had enclosed it (in pieces) with the ‘Notification of Debt Management Plan’ which took so long to reach them, as I did with all my cards.

 

I’m not blaming Lloyds, it wasn’t them who spent the money, but out of all of the people I owe money to, they were the ones who were happy to constantly raise my credit limit frequently and without my request.

 

I don’t want to make excuses but I was run over by a car about 2 months ago and have received no income since then, my mobility is staring to improve and I am hoping not to have to be off work for too much longer but it has certainly added to my financial difficulties, I’ve struggled to find the £648 each month that is allocated to my creditors via the CCCS. I haven’t told them about this as I don’t want to miss or reduce payments so soon after commencing the agreement. The driver who hit me was uninsured; I have placed a claim with the MIB but believe it could take a year or more to reach an outcome.

 

I want to pay back what I owe but will only be able to do so if my creditors are willing to compromise, otherwise anything I can pay is more than wiped out in charges and interest meaning I’ll never get anywhere, in fact I’ll continue to be increasingly worse off. I had taken on extra work and have given up smoking (among other things) so that I had more money available each month to go towards reducing my debts.

 

Until the DMP began a couple of months ago I had never missed a payment and when I last checked my credit file I had a score of 980.

 

My debts are as follows; NatWest loan £22,488, NatWest overdraft £1,030, MBNA credit card £8,871, Egg credit card £3,190, Lloyds TSB credit card £13,613, NatWest credit card £270, NatWest Platinum credit card £1,379, Tesco (RBS) credit card £2,793, Next store card £384 and Homebase store card £454.

 

I have a joint mortgage (my only joint account) with NatWest; we bought the house three years ago without a deposit for £63,000 so with the recent falls in house prices there is no equity in the property. I have not, and will not, fall behind with my mortgage payments.

 

I have heard that some agreements may be unenforceable and (as a last resort so that, for now, I can concentrate on the creditors who appear to be able to meet me half way) would like to ask how I go about finding out whether this would apply to mine? I understand that this would only apply to accounts opened before April 2007, which brings me to my next question; I opened my credit card account with Lloyds some time before this date, but for some unknown reason they more recently sent me a new card which was a MasterCard with a different number to my old Visa, they transferred the balance and credit limit (along with any transactions and payments made using the old card for a month or so before closing the Visa.) The expiry date on the Visa was nowhere near reached when this happened. Does this then count as a new agreement (with a new commencement date) even though I didn’t sign any further paperwork?

 

In addition to the questions I have asked I guess I would like some opinions on whether people consider what I’m doing as the best way forward or if anyone can suggest any alternatives. Also how best to deal with Lloyds, I feel a bit cheeky complaining to them or threatening to contact the ombudsman.

 

Thanks for your time, sorry to ramble on, any advice gratefully received.

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Hah there you are!! :)

After I put your reply your post just disappeared. I really thought I was going mad!

Did you ask to get moved?

I think this would be better where it was in the busier debt collecting forum.

Elsa x

PLEASE NOTE... I AM MOST SORRY BUT I HAVE VERY LIMITED AVAILABILITY AT THE MOMENT DUE TO EXTREME PRESSURE OF WORK - IF YOU REQUIRE URGENT HELP ON YOUR THREAD AND ARE GETTING NO RESPONSE PLEASE HIT THE TRIANGLE FOR SITE TEAM ASSISTANCE. ELSA XXX

 

Please check out my BLOG for the quick guide to debt threats - it has all the info & letter template links you need to get started on your journey of TAKING CONTROL. :roll:

 

All opinions are my own based on research. I am not legally qualified, if in doubt please consult a legal expert.

Hope this has helped or made you smile. Keep your chin up, you're among friends now! Elsa xxx

Please click the *star* of any CAG member who has helped you .

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The rambling wouldn't be so great if the text wasn't repeated 3 times!! lol :D

 

First off you need to CCA your creditors. You will need to enclose a postal order for £1 (will cost you £1.50) and do not sign your letter.

 

Next are notoriously bad for not being able to produce any signed documents.

 

Were all of the agreements taken out before 6 April 2007? Also, your one loan is rather large...was this less than £25k (if taken out before 6 April 2007)??

 

EDIT: It is also not wise to return your cards with the signature on the back...how small were those pieces??

If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

Restons MBNA -v- WelshMam

 

MBNA Cards

 

CitiCard

M&S and More

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Sorry about the text being repeated 3 times, I haven't got a clue what happened there, or why it was moved.

 

Some but not all of them were before April 2007, Lloyds certainly was, the earliest I can find for them is a 2005 statement, but they transferred my Visa to a MasterCard in August / September 2007 and I don't know whether that counts as a new account ??

 

The loan was for 24k (what's the significance of being less than 25k?) but it was taken out eventually in May 2007 after NatWest caused many delays, it paid off an earlier loan, partly because I was fed up of paying the PPI and they wouldn't remove it at the time, I'm looking into that seperately.

 

Good point, I hadn't thought of that, the cards pieces were very small though, I had a sore hand and a blunt pair of scissors by the time I had finished.

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I've put my responses below in red for ease of reference Skoorbd...

 

Sorry about the text being repeated 3 times, I haven't got a clue what happened there, or why it was moved. You should be able to go back in and edit it.

Some but not all of them were before April 2007, Lloyds certainly was, the earliest I can find for them is a 2005 statement, but they transferred my Visa to a MasterCard in August / September 2007 and I don't know whether that counts as a new account ?? The important bit is whether or not you recall signing a new agreement.

The loan was for 24k (what's the significance of being less than 25k?) but it was taken out eventually in May 2007 after NatWest caused many delays, it paid off an earlier loan, partly because I was fed up of paying the PPI and they wouldn't remove it at the time, I'm looking into that seperately. Before 2007 there was a loan limit of £25k for CCA agreements. That was lifted by the CCA 2006.

 

Good point, I hadn't thought of that, the cards pieces were very small though, I had a sore hand and a blunt pair of scissors by the time I had finished. These have been produced in court and also contain your signature!!

If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

Restons MBNA -v- WelshMam

 

MBNA Cards

 

CitiCard

M&S and More

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Thanks for your help WelshMam; I've tried editing to remove the duplicates but it just takes me to a 'Database Error' page.

 

Definately didn't sign a new agreement when Lloyds sent out the new card.

 

Thanks again.

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