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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
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    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
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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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summanotre vs littlewoods (really this time!)


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I wont go into too much detail here as it is similar to other threads that I have read so Ill just talk about where I am at the moment.

 

Littlewoods are pursuing me for a catalogue debt, recieved no default notice, or correct notice of assignment or reassignments from them or the other DCA's involved. The last correspondence was from Fredricksons. I wrote to them requesting my cca (I dont have any information to say that the debt has been sold). I recieved a reply from Bryan Carter (yes, him) telling me that the account was on hold while he passed the request to his clients. I forgot to enclose the £1 fee (how naughty of me ;)).

 

I was gobsmacked this morning to receive a letter from BC with an incorrect and very odd looking statement from Shop Direct Group (who run various catalogues including Littlewoods). No sign of any cca, so that request was ignored, no mention of needing £1 fee - so my questions are:

 

1 - have they waived their rights regarding the £1 fee seeing as I got a response enclosing said statement but no cca?

 

2. - who do I sent the letter to stating theyve not complied after 12+2 days - BC or Littlewoods?

 

3. Does that mean the 28 days hold is no longer in place?

 

4. WHAT THE HELL HAVE PHOENIX RECOVERIES (UK) S.a.r.l. (Fredricksons) that BC keeps quoting as their reference have to do with it??

 

So, I'm thinking of writing to littlewoods and copying the letter to BC, BUT I dont know if the debt was sold or who to. If the debt has been bought, do I ask that company for the cca???

 

 

I have several issues with the Shop Direct Group but I am determined to keep them separate as they relate to separate account numbers.

 

Help plz. :-|

Magna res est vocis et silentii temperamentum

 

The great thing is to know when to speak and when to keep quiet.

 

(Seneca the Younger (attributed), Proverbs, 74)

 

 

Speech is given to many; intelligence to few - but if its well said, I said it!

:p

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Unless you have included the £1( or they specifically state they are waiving the £1) then your request is not valid.

 

Phoenix sarl are the people that bought the acount from littlewoods. They then get a uk dca to collect on their behalf.

 

If bc is involved I would request a cca including payment from who is asking for payment. As BC is involved somewhere and for the sake of £1 I would send littlewoods a cca request aswell.

 

As for the 28 days hold, I wouldn't trust BC as far as I could throw him.

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Unless you have included the £1( or they specifically state they are waiving the £1) then your request is not valid.

 

Im sure someone said the opposite in a reply to one of my other postings (cant remember which one) but I also remember someone saying the same as you in another thread - but it makes sense really to pay the fee to all of those involved.

 

Phoenix sarl are the people that bought the acount from littlewoods. They then get a uk dca to collect on their behalf.

 

but I havent received a letter saying the account was bought by Phoenix, in fact this is the first mention of them in relation to this account - where do I stand on that one?

 

As for the 28 days hold, I wouldn't trust BC as far as I could throw him.

 

I'll get my £1 fees off asap then!!

Magna res est vocis et silentii temperamentum

 

The great thing is to know when to speak and when to keep quiet.

 

(Seneca the Younger (attributed), Proverbs, 74)

 

 

Speech is given to many; intelligence to few - but if its well said, I said it!

:p

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You should have received a NoA from littlewoods/ndr to Phoenix. Phoenix then send a letter saying they are using fredriksons(or sometimes marlin) to do the chasing/collecting.

 

Regarding the £1, if requests were valid without it, everyone would save a pound. However if a company supply a cca without it fair do's. It's not really worth messing around with for the sake of a quid.

Edited by Nagasis
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You should have received a NoA from littlewoods/ndr to Phoenix. Phoenix then send a letter saying they are using fredriksons(or sometimes marlin) to do the chasing/collecting.

 

I did not receive this. The account seems to have done the rounds with letters from moorcroft, p.i.b., ndr, midal legal services, debt managers, Fredrickson and BC (not necessarily in that order) but I do not have a copy of any NoA from any of them and there is definately nothing from Phoenix, especially after ndr.

 

Regarding the £1, if requests were valid without it, everyone would save a pound. However if a company supply a cca without it fair do's. It's not really worth messing around with for the sake of a quid.

 

Have sent the £1 to cover my back. Think its solid advice. Ta :D

Magna res est vocis et silentii temperamentum

 

The great thing is to know when to speak and when to keep quiet.

 

(Seneca the Younger (attributed), Proverbs, 74)

 

 

Speech is given to many; intelligence to few - but if its well said, I said it!

:p

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Peeps, I really, really need urgent advice here. :!:

 

In response to my request for cca etc I was supplied with what is supposed to be a statement showing the account open date - BUT, I have just found an old letter from Littlewoods thanking me for transferring to an Interest Bearing Account. It quotes a new account number which is quoted on BC's letter. I do not have a copy of the signed cca for either the old account number or this one -

 

I dont know what to do because if it is a transferred account then surely that means that a balance was transferred from the old account. So where do I stand?? Im confused about this statement also.

 

PLEASE SOMEONE ADVISE ASAP I NEED TO RESPOND TO THEM QUICKLY!!! :!:

Magna res est vocis et silentii temperamentum

 

The great thing is to know when to speak and when to keep quiet.

 

(Seneca the Younger (attributed), Proverbs, 74)

 

 

Speech is given to many; intelligence to few - but if its well said, I said it!

:p

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Peeps, I really, really need urgent advice here. :!:

 

In response to my request for cca etc I was supplied with what is supposed to be a statement showing the account open date - BUT, I have just found an old letter from Littlewoods thanking me for transferring to an Interest Bearing Account. It quotes a new account number which is quoted on BC's letter. I do not have a copy of the signed cca for either the old account number or this one -

 

I dont know what to do because if it is a transferred account then surely that means that a balance was transferred from the old account. So where do I stand?? Im confused about this statement also.

 

PLEASE SOMEONE ADVISE ASAP I NEED TO RESPOND TO THEM QUICKLY!!! :!:

 

I personally would forget the old letter. If you have cca'd them and they have stated they don't have a signed one (which littlewoods they normally do) then just send the account in dispute letter.

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Thanks, now Ive just found a cca unsigned but I dont recognise the format. Can someone look at the agreement if I post it up please?

Magna res est vocis et silentii temperamentum

 

The great thing is to know when to speak and when to keep quiet.

 

(Seneca the Younger (attributed), Proverbs, 74)

 

 

Speech is given to many; intelligence to few - but if its well said, I said it!

:p

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Thanks, now Ive just found a cca unsigned but I dont recognise the format. Can someone look at the agreement if I post it up please?

 

 

if its unsigned then there is no need to post it as it could be the queens mother who is not able to respond at the moment.

 

Just out of interest, when was this account opened? and where?(online or post or phone etc)

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Ok, the original account was a flexible account and is from about early 2004 or late 2003 (im really not sure; it could be older because I routinely destroy documents every 3 years unless they I absolutely need them e.g. my deed of change of name).

 

The letter that says Ive transferred to an Interest Bearing Account is dated 19/6/2006 and they quote that as the date the account was opened - however the cca they sent for this is dated 06/06/2006 -

 

Its really confusing because the letter sent with the cca states they enclosed 'two credit agreements for your extended payment plans' and further down the letter states 'on receipt of your signed copy your current Flexible Account will be closed and a new Littlewoods Even More account will be opened in your name'.

 

 

The cca they sent already has my details printed on it (although the street name is spelled incorrectly) and its entitled 'Customer Copy' underneath is says 'fixed-sum Loan Agreement regulated by CCA 1974. Its title is not Credit Agreement and where the act is shown its in the same font as the other details in the address box. So is it covered by the cca 2006 Act?

 

I didnt know anything about a loan :confused:

 

Im not sure Ive described it correctly, would it be easier for you to see the letter and customer copy document? Any help and advice is much appreciated :)

Magna res est vocis et silentii temperamentum

 

The great thing is to know when to speak and when to keep quiet.

 

(Seneca the Younger (attributed), Proverbs, 74)

 

 

Speech is given to many; intelligence to few - but if its well said, I said it!

:p

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So is it covered by the cca 2006 Act

 

No, only accounts opened after April 2007 are covered by the cca 2006.

 

All these accounts they keep mentioning are under the cca 1974. If they don't have a signed copy (of any) then they are wasteing their time.

 

Don't let them get you confused, stay focused on the 2 important steps.

 

1) Request cca

 

if no signed one appears (as per usual with littlewoods)

 

2) Send dispute letter.

 

thats it.

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Thank you Nagasis. I sometimes wonder if they do all of this to deliberatly confuse and panic people - except I dont think they have the intelligence to. ;)

Magna res est vocis et silentii temperamentum

 

The great thing is to know when to speak and when to keep quiet.

 

(Seneca the Younger (attributed), Proverbs, 74)

 

 

Speech is given to many; intelligence to few - but if its well said, I said it!

:p

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  • 1 month later...
if its unsigned then there is no need to post it as it could be the queens mother who is not able to respond at the moment

 

 

Littlewoods have now sent a copy of the agreement. Can anyone have a look at it to see if its enforceable please?

Magna res est vocis et silentii temperamentum

 

The great thing is to know when to speak and when to keep quiet.

 

(Seneca the Younger (attributed), Proverbs, 74)

 

 

Speech is given to many; intelligence to few - but if its well said, I said it!

:p

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