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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
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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.
       
      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.
       
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    • 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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CitiBank, no CCA forthcoming.


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I have had 3 letters not signed for but I do know that they bulk sign. I also know that Royal Mail will deliver RD post without asking for a signature

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Hi all has anyone else had problems with CITI cards not sihning for recorded delivery at the PO Box 49920 address as it could be the reason nobody hears from CITI just had a conversation with Post Office as I have sent 3 recorded and none signed for the Post Office say a lot of them will not take recorded delivery.

 

As we have reported many times-you should not use the PO address.

It needs to be their registered address.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Here is their CC registration details.

 

 

 

Licence Number:0079310

Licence Status:Current

 

Current Applicant / Licensee:

 

Business NameCompany Registration Number Citifinancial Europe Plc1375237

 

Categories:

 

Consumer credit Consumer hire Credit brokerage Provision of debt-adjusting on a commercial basis Provision of debt-counselling on a commercial basis

 

Right To Canvass Off Trade Premises:No

 

 

Trading Name(s) (Current):

 

Associates Capital Corporation Associates Direct Loans Associates Direct Mortgages Associates Neon Avco Avco Direct Avco Portfolio Avco Premium Provider Avco Trust C.C.R.S. Capital Collection Agencies CEF Citi Citi Cards Citi Loans Citi/advantage/Visa Gold Card Citibank Citicards Citifinancial Commercial & Equipment Finance Courtway Collection Services Creditplus Everyday Finance First Affinity Money Management Services Neon Neon Associates The Associates The Associates Financial Services The Associates-Your High Street House Of Finance The Personal Loan Specialists Ultima

 

Trading Name(s) (Historic):

 

Avco Fortfolio Citybank Audi BMI Baby Bmi Baby.Com Avco Cars Audi Card bmibaby.com Shell Mastercard Easy Jet Mastercard Bmi Baby Credit Card

 

Issued Date: 24-Oct-1978

Date Maintenance Payment Due: 04-Sep-2014

 

 

Legal Formation:

 

Body Corporate (incorporated inside UK)

 

Current Individuals that run the organisation:

 

NamePosition Gerard Jude Ryan Henricus Lambertus Pijls Simon James Cumming

 

Historic Individuals that run the organisation:

 

NamePosition Andrew Martin GaulterOFFICER Daniel Martin MaloneOFFICER Geoffery John GearyOFFICER George Jeffrey MeilerOFFICER Gerard Jude Ryan Ian David Kerr Jo BenedettoOFFICER Michael LenoraOFFICER Mr Allan Henry Phillips SilvermanOFFICER Mr Alun Charles BraithwaiteOFFICER Mr Anthony Ian MorseOFFICER Mr Bobby Daniel SessomsOFFICER Mr Derek Andrew PorterOFFICER Mr Desmond Guy StylesOFFICER Mr Frederick Brian BarnesOFFICER Mr George Cone EvansOFFICER Mr Harold Douglas MarshallOFFICER Mr John CampbellOFFICER Mr John Douglas KinesOFFICER Mr John Edgar GodfreyOFFICER Mr John Hubert WinterOFFICER Mr John Peter RolandOFFICER Mr Lars Ake PattersonOFFICER Mr Matthew Lee HollingsworthOFFICER Mr Michael CroninOFFICER Mr Michael John HallOFFICER Mr Michael Wynne ReynoldsOFFICER Mr Peter George HiscockOFFICER Mr Philip AwadOFFICER Mr Robert F JudikinasOFFICER Mr Ronald Anthony ZoldanOFFICER Mr Stuart Ronald WestOFFICER Mr Terence Ivan WilliamsOFFICER Mr Wilfred HorieOFFICER Mr William Alexander GallawayOFFICER Mr. Keith William HughesOFFICER Nandan MerOFFICER Nicholas Mark Edward LyallOFFICER Robert EastonOFFICER Sarvesh SarupOFFICER Scott AndersonOFFICER Simon James Cumming Stuart BellOFFICER Surinder Pal SinghOFFICER Susan Gail Shakespeare Susan ShakespeareOFFICER Tom JonesOFFICER

 

Nature of Business:

 

Banking services Credit Agreements/loans (not linked)

 

Current Address(es):

 

Address TypeAddress Correspondence33, Canada Square, LONDON, E14 5LB, United Kingdom Principal Place Of Business33, Canada Square, LONDON, E14 5LB, United Kingdom Registered Office33, Canada Square, LONDON, E14 5LB, United Kingdom

 

Historic Address(es):

 

Address TypeAddress Correspondence11, Datchet Road, Windsor, Berkshire, SL4 1SW CorrespondenceAssociate House, 15 Bath Road, Slough, Berkshire, SL1 3US CorrespondenceCiti Group Centre, Canada Square, Canary Wharf, London, E14 5LB, United Kingdom CorrespondenceSimon Cumming, Citigroup Centre, Canada Water, Canary Wharf, LONDON, E14 5LB, United Kingdom Principal Place Of Business11, Datchet Road, Windsor, Berkshire, SL4 1SW Principal Place Of Business87, Castle Street, Reading, Berkshire, RG1 7DX Principal Place Of BusinessAssociates House 15, Bath Road, Slough, Berkshire, SL2 5XE Principal Place Of BusinessAssociates House P.O. Box 200, Windsor, Berkshire, SL4 1SW Principal Place Of BusinessAssociates House, 15 Bath Road, Slough, Berkshire, SL1 3US Principal Place Of BusinessAssociates House, 15 Bath Road, Slough, Berkshire, SL2 5XE Principal Place Of BusinessAssociates House, P.O. Box 200, Windsor, Berkshire, SL4 1SW Principal Place Of BusinessCape House, Exchange Road, Watford, Hertfordshire, WD1 Principal Place Of BusinessCitigroup Centre, Canada Water, Canary Wharf, LONDON, E14 5LB, United Kingdom Registered Office11, Datchet Road, Windsor, Berkshire, SL4 1SW Registered Office87, Castle Street, Reading, Berkshire, RG1 7DX Registered OfficeAssociates House 15, Bath Road, Slough, Berkshire, SL2 5XE Registered OfficeAssociates House, 15 Bath Road, Slough, Berkshire, SL1 3US Registered OfficeAssociates House, 15 Bath Road, Slough, Berkshire, SL2 5XE Registered OfficeAssociates House, P.O. Box 200, Windsor, Berkshire, SL4 1SW Registered OfficeCitigroup Centre, Canada Water, Canary Wharf, LONDON, E14 5LB, United Kingdom

 

 

 

 

 

So;

 

 

Registered Office33, Canada Square, LONDON, E14 5LB

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Have updated the stickied threads in regards to this.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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  • 4 months later...

Sorry I do not post a lot on here, too much time trying to digest the information.

Anyway the latest development to this saga.

I received a letter on Fri 24/9/2010 from Cabot stating that they have bought my account from CitiBank. Here it is.

 

EditedCabotletter25092010.jpg

 

I would have thought it strange that Cabot would buy something that can’t be enforced by them, with reference to the following letter received from CitiBank on or around 30/06/2009.

 

editedreplytorequestforcca020709.jpg

 

Should I ask Cabot to supply me with my CCA which they will think they can obtain from CitiBank?

 

They are charging me 12% interest per annum, are they legally allowed to do this?

 

In another section this gives me some reason to have alarm bells.

 

Quote

DAY xx/xx/xxxx - date of purchased debt

Send goodbye letter on headed paper from Original Lender.

Send Hello letter from Cabots = often we'll see these in same envelope depends on which member of staff deals with it - but post mark on envelope is usually the give away. You'll see where they add the interest commented on the screens diary. (on the sale document is where the interest amount is usually written - I found it was 12% on the document I had they forgot to blank it out)

 

they'll sit on the account for years till year 5 allowing it to accumulate interest till they ready to collect - the diary pages are updated monthly showing how the balance rises with the added interest. You'll see loads of telephonecalls made by their messaging services - where their automated dialler calls to annoy you. They will do this until they ready to try collect debt. THEN

 

DAY XX/XX/XXXX - DO LAND REGISTRY SEARCH TO ASSESS - this way they see whether it is worth taking person to court, going for a charging order cause they can more or less guess whether there is equity in the property and whether person is renting or buying property. Land Registry will show loans with dates already charged to a property = a useful tool in assessing when last loan was taken out and who with (they'll see whether subprime lenders/high st banks etc.., when loan was taken out etc.. ) so it's a pretty useful tool for them to use? They can pretty much cherry pick the people they think have the money to pay them by looking and guessing the equity available in a home.

 

DAY XX/XX/XXXX - Send prelim letter asking for money. Using their solicitors letter headed paper (It used to be Hodsons - but more recently its Morgans acting as their in house solicitors)

 

DAY XX/XX/XXXX - Send lba letter threatening court action.

 

And then they'll file an online court claim.

End quote.

 

Am I right to be worried?

 

Allets.

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Do not send a CCA request to Cabot. That's as much as saying it's ok for them to chase you.

 

Citi are trying to circumvent their responsibilities to supply the CCA

 

While no agreement has been supplied, the account is in dispute and they can't flog it until the complaint is resolved.

 

Send the "bemused" letter to Cabot and report Citi to Trading Standards and the OFT

 

You could raise a formal complaint with Citi but they will wriggle out of it (if they can)

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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As with all these things, it's up to you as to what course of action you take.

 

They would have to have a fully compliant executed agreement to seek an enforcement order -- so if action was to happen you would file a CPR 31.16 request to view the original executed agreement.

 

As far as I know Citi is not providing these (or copies of them to any parties), either their customers or third parties such as DCAs that purchase accounts.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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Thanks for the replies. Looks like I will be typing more letters to trading standards and the OFT.

I take it SF1961, the bemused letter you are refering to is the one I have just posted Ref Code: DPA.

 

Allets.

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Morning,

Click on the labrary tab at the top and this will take you to what you need.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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  • 3 years later...

A quick reply to update this thread, after looking at my credit file in Noddle (thanks to dx100uk).

June 2009, Citi wrote to me stating that "We are under no obligation to comply with a request for a copy of your agreement under the Consumer Credit Act as we no longer have a contractual relationship with you, nor are we seeking to enforce any agreement against you. Your right to be provided with this information from CitiFinancial ended with the closure of your account.

I am returning the £1 you have sent in relation to this request".

Sept 2009, Cabot bought this debt from Citi. They have listed the account in default since Sept 2010. Further monies have been added charges/interest I presume of £1500 from Sept 2010 until March 2012 where it has remained static since then.

Can Cabot still list this as a default on my credit file, when Citi have closed the account and want nothing more to do with me? Can I get this reference removed?

 

 

Allets.

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Yes Cabot can continue the default entries as the "beneficial owner" of the debt.

 

 

If there is no CCA available or a " reconstituted" agreement which does not full comply has been supplied

the no court action can be started.

 

 

You say here Cabot bought the debt in 2009, yet have " listed" it as a default from 2010?

 

 

Do you mean the default date stated on file is 2010, this could be totally wrong as Citi would have defaulted the account prior to selling it to Cabot.

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Sorry, I got the notice of assignment wrong.

Citi sold the debt to Cabot in September 2010.

 

 

Allets.

 

 

Ok What is the default date please?

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Sorry for the late reply.

Citi defaulted the account in April 2009.

So this will come off CRA file next April.

 

 

Did you send a CCA request to Cabot?

 

 

When did you last make a payment or acknowledge the debt in writing?

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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The last communication with Citi was when I wrote to them, this was May 2009. Last letter received from Citi to me was March 2010.

I don't have a debt with Citi on my CRA (Noddle.co.uk). Last payment made to Citi was back in March 2009.

 

 

I wrote to Cabot at the of end Sept 2010, stating that Citi had not provided me with my CCA and they had no right in selling the debt to Cabot.

 

 

Cabot wrote back to me in Oct 2010, with the following:

 

"I understand that you previously made a request to CitiFinancial (CF) for a copy of your credit agreement in accordance with section 78 of the Consumer Credit Act 1974 (CCA). However you received a response, which stated that you no longer had the right to request this documentation".

 

 

"In light of the comments in your letter, and the documents enclosed, we have contacted CF to obtain clarification on this matter. Whilst we await a response to our enquiries, please be assured that your account shall remain on hold with our Customer Assurance Team".

"I trust I have set out our position clearly".

 

 

This was the last letter received from Cabot. Meanwhile Cabot has increased the debt from around £9,200 in Sept 2010 to £10,700 by March 2012. It has remained at this to the present day looking at my Noddle CRA.

 

 

I have not done a CCA request to Cabot.

 

 

Allets.

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The last communication with Citi was when I wrote to them, this was May 2009. Last letter received from Citi to me was March 2010.

I don't have a debt with Citi on my CRA (Noddle.co.uk). Last payment made to Citi was back in March 2009.

 

 

I wrote to Cabot at the of end Sept 2010, stating that Citi had not provided me with my CCA and they had no right in selling the debt to Cabot.

 

 

Cabot wrote back to me in Oct 2010, with the following:

 

"I understand that you previously made a request to CitiFinancial (CF) for a copy of your credit agreement in accordance with section 78 of the Consumer Credit Act 1974 (CCA). However you received a response, which stated that you no longer had the right to request this documentation".

 

 

"In light of the comments in your letter, and the documents enclosed, we have contacted CF to obtain clarification on this matter. Whilst we await a response to our enquiries, please be assured that your account shall remain on hold with our Customer Assurance Team".

"I trust I have set out our position clearly".

 

 

This was the last letter received from Cabot. Meanwhile Cabot has increased the debt from around £9,200 in Sept 2010 to £10,700 by March 2012. It has remained at this to the present day looking at my Noddle CRA.

 

 

I have not done a CCA request to Cabot.

 

 

Allets.

 

 

 

 

Unless the Citi expressly allow for interest nothing should be added.

 

 

I think you should take a look at a "mainstream" CRA, the ones using 2nd hand data are not always reliable.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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