Jump to content
  • Tweets

  • Posts

    • Thank you BankFodder and Andyorch, I will of course wait for the advice to be finalised, I will prepare the file of the documents and post up the ones which are relevant   Contract  Payment from my account to them CMA guidelines from April 2020 and September 2020 Requests for refund Email refusing Refund in May 2020 Email to defendant requesting refund, September 2020 CMA guidelines dated 7 September 2020 Letter before claim September 2020 (no Response)  Proof of delivery of above letter Letter from Defendant (marked without prejudice subject to agreement) 23 September 2020 email to Defendant for adding third party rights October 15 2020 Their response dated today.   Please can I be advised if there are other documents I need to add and any relevant legislation, I will be back online Thursday as I am at work all  day tomorrow and until 13.00 Thursday then working from home.   Thank you  
    • Hello and welcome to CAG.   I've moved your thread to our Employment subforum for people to advise you and left a link from the forum where you started off.   How much of what you're saying do you have in writing please? Having a paper trail always makes it easier to prove your case.   Best, HB
    • there's no rule of thumb but rarely do you see lowells drop a claim until after the disclosures stage it just really depends upon what 'cards' they hold like enforceable agreement, DN, NOA etc etc however due to andyorch's excellent help - we see most discontinued...   one thing that also plays a part is when the card was taken out too. yours was taken out?   these will give you a good benchmark and also help with defence and after process   https://cse.google.com/cse?cx=partner-pub-8889411648654839:3134625398&q=lowell claimform vanquis won discontinued&oq=lowell claimform vanquis won discontinued&gs_l=partner-generic.12...166572.185174.0.188553.
    • On Monday the 27th of July 2020, i signed up with Anglian windows to work as a canvasser over in East London, the interview went well. I started working and had to use a app on the phone to make appointments. The deal was if i got a lead on the door and the salesman went round to the customer and priced it i would get paid for it.    I started working the following week, i made leads, but i had problems with the app not working as well as it should, the app would give me results on my leads.    Long story but they where working some leads and forgetting to work other leads and not up dating the app, i did not know my results. My wages where wrong and i decided i could not work for the company. I gave them over 20 leads and was only paid for 3.    I told them i was leaving, that was fine, they said they would work my leads and pay me, they even sent me a text message to say one of my leads has been priced and i would get paid for it.    No money was paid, i have sent messages to the regional manager and no answer, in the end i started emailing head office and they said they would look into it but i am getting nowhere.    What can i do.
    • Do try and keep up It was quite clear I was referencing any lingering hopes you may hold of rejoining the wretched institution
  • 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

Please note that this topic has not had any new posts for the last 4169 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

:( I have a council tax debt of £385. I have paid Equita 1 payment of £75 and 1 of £51. I made April's payment direct to the council of £35 as I cannot afford £75 or £51 a month. Equita called at my home yesterday while I was at work but my son didn't let them in. They left a note to say they had called. I rang the guy up and told him I had made the payment to the council because I can't afford what Equita want me to pay. He said that it was discretionary as to whether they let me pay it off in installments because at the end of the day they are there to enforce and not to be debt collectors. He told me I have to pay them £85 a month now as it can only be cleared over 6 months because that's what the council set down. I asked how come I now owe £498 and he said it was because of visits. I told him that my son is at home for most of the day and that nobody had called and if they had each time my son popped out then they left no note. He said they didn't have to inform me that they had called. I've asked for a breakdown of charges to be sent to me. I said that they must have called frequently in the last couple of weeks as it is only 1 payment missing (which went to the council). This guys tone was aggresive. He said if I don't start paying Equita then they will be back with the van. I said he won't be coming in and he said I cannot stop him. I know that I can if he does not have a police officer present. I would much rather pay this debt back directly to the council. I worry now when I leave for work in case they go to my home and try to force entry.

Advice would be welcome.


Also I posted this earlier but I think I did it as a reply instead of a thread so apologies for repeating myself.

Link to post
Share on other sites

yes you can stop him he has no legal powers to enter your home even with the police a bailiff can only enter by peaceful means

if you invite him in

through an open window

unlocked door


please stop talking to him over the phone unless you can record the calls

if you have a car do not leave it on in the street park it away from your house

if you have a garden don't leave anything he can levy on even the garden spade will do a bailiff for a levy

as there is no levy the most the bailiff can charge you is £24.50 for1st visit £18 2nd visit

you don't have to pay the bailiff you can pay the council direct but the debt will stay with the bailiff until the council recall it

the bailiff acts as an agent for the council therefore they are responsible for the bailiffs actions

a call to the council and your M.P. regarding the bailiffs actions might get the debt sent back to the council

tell them what the bailiff said to you and that you are extremely worried as you work and if the bailiffs turn up at your house it will be your son who will be at home alone

tell them that there is no levy and the bailiff is trying to charge you more than he is allowed to charge

if you get no joy from council and you are worried about them coming when your son is in


send this letter to equita


please be advised i have today spoken to various organisations regarding my account with yourselves

i am now informing you in this recorded delivery letter i will not be inviting the bailiff into my home therefore he/she cannot gain peaceful entry i now know that you cannot get the police to help you gain peaceful entry as said by the bailiff

therefor the most that you can charge is £24.50 for 1st visit £18 for 2nd visit

i will pay xxx per week to clear this dept if this not acceptable please inform me in writing why and i will forward you comments to the council and make arrangements to pay them direct

a copy of this letter will be sent to the council and my M.P.

Edited by hallowitch
Link to post
Share on other sites

Hi NN4,


How old is your son? Less than 18? - Hmmm dodgy if a bailiff speaks with him also it is unlawful for your information to be given to anyone but yourself under the Data Protection Act.


I will also agree with Hallowitch that even with the police in attendance they are NOT permitted entry.


As a previous bailiff I can say that the only way that they can get police attendance is if you have threatened the bailiff with violence or (unofficially) if you are 'known' (you will know if you are).


The police are not a debt collecting service and are there only to prevent a breach of the peace so as long as you act reasonably ie non violently they have no chance. After all wouldn't the police be better off by pulling speeding motorists?




Hallowitch - maybe I am in the trouble I am as you hexed me in the past??:p

Link to post
Share on other sites

Many thanks to all I am feeling better now about it and I will take your advice. The letter, as suggested by Hallowitch is in the post to Equita. I just don't understand why he was so aggresive. I wasn't refusing to pay just trying to make him understand that I couldn't afford the amount he wanted. Oh well, hopefully I won't hear anymore from him.

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

    No registered users viewing this page.

  • Have we helped you ...?

  • Create New...