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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.
       
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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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Can you change your name to escape debt?


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Well it would be very hard for them to be sure if they got the right man if I changed my name to John Smith. That would create quite a kite if I moved afterwards without telling anyone. Two thousand John Smiths would probably pay up in the believe it was them. Nice profit though.

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If you change your name with the specific and 'provable' intention of evading your creditors you could be accused of theft & or fraud. On the other hand if you change your name to say Wee Willy Winky you can hardly be accused of deliberately avoiding anyone:D

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If you change your name with the specific and 'provable' intention of evading your creditors you could be accused of theft & or fraud

 

How can they prove it though?? :confused:

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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If a person leaves their last known address WITHOUT leaving a forwarding one & fail to notify them without a very good excuse then I suspect that may be prima facie grounds for charging a person with theft or fraud

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Do you mean if they dont leave a forwarding address & also not notifying their change of name?

 

How is it theft? I can understand fraud, but theft - Oh is it cos your trying to avoid paying for something?

 

Methinks dumbo here has answered her own question :oops:

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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If a person leaves their last known address WITHOUT leaving a forwarding one & fail to notify them without a very good excuse then I suspect that may be prima facie grounds for charging a person with theft or fraud

 

 

Mmm,

 

Do you write letters for CRAs?

 

They 'may' take you to court etc?

 

My understanding is that the only people who HAVE to be informed of a change of address are the DVLA. Could be wrong though.

 

 

GK

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Subscribing...To see what silly names you all come up with :D

"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

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I've got the same problem - I double-barrelled my name with my partner's, but I also use my old name for several accounts that are included in my DMP (a Littlewoods account and an old NatWest account) and I have 2 accounts with the Leeds Losers - Im reluctant to send them my deed poll for various reasons (one being it has my real signature on it :p) so I;ve got 2 names on my CRA records which they wont put right!! I changed it by usage last year and officially this year but most of my defaulted accounts are in my new name, so quite often I have to think before giving my name to anyone as I often dont know which name I have used!!! :oops:

 

I agree wholeheartedly, but, I am gradually changing all my 'good' accounts to my 'new' name and hopefully the problems in my 'old' name will drop off soon. I know what you mean about thinking as all my documentation is in my 'new' name and I have nothing to prove my old name:|:|

Every journey begins with a single step :):)

 

Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

 

If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You

 

The only person entitled to your Personal Finance details is a Judge not a DCA

 

Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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Well it would be very hard for them to be sure if they got the right man if I changed my name to John Smith. That would create quite a kite if I moved afterwards without telling anyone. Two thousand John Smiths would probably pay up in the believe it was them. Nice profit though.

 

 

:mad:Not as hard as you might think:mad:

Every journey begins with a single step :):)

 

Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

 

If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You

 

The only person entitled to your Personal Finance details is a Judge not a DCA

 

Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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Roflmfao :D

"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

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:D:D

Every journey begins with a single step :):)

 

Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

 

If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You

 

The only person entitled to your Personal Finance details is a Judge not a DCA

 

Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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Mmm,

 

Do you write letters for CRAs?

 

They 'may' take you to court etc?

 

My understanding is that the only people who HAVE to be informed of a change of address are the DVLA. Could be wrong though.

 

 

GK

Ha ha you'd think so wouldnt you?

Ive just had an overpayment of benefit appeal overturned because i didnt let the DSS know i had changed my address 6 yrs ago and i wasnt even on benefits

So be warned

I QUESTION THEREFORE I AM!! [sIGPIC][/sIGPIC]

 

Unfortunately i'm not an expert in any given field legally and my advice and that of the Consumer Action Group and the Bank Action Group is given without prejudice and without liability so please if in any doubt whatsoever seek help from an insured qualified professional. Contents of my posts are purely my own personal opinions and not condoned or endorsed in any way, shape or form by CAG. Thank you! :p

 

 

I have been smoke-free for 4yrs

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How about Norma Stitz

or

Dixie Normous

 

I did hear from a friend that they knew someone who went through bankruptcy and then changed their name (to what they didn't say) but originally they were called Swindell :D

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I think my view is that if you owe some one, you should make a fair go of it to pay or settle. I can not live with the fact that I used the money or services and can not pay my way. I also think that if the other party have done osme thing they should not have then you should tell them and try to solve the way forward. I know we are dealing with debt companies but we as human with the concious.

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Mmm,

 

Do you write letters for CRAs?

 

They 'may' take you to court etc?

 

My understanding is that the only people who HAVE to be informed of a change of address are the DVLA. Could be wrong though.

 

 

GK

 

 

Correct the only legal requirement is to inform the DVLA However if you do move address AND change your name at the same time & stop paying that could be construed as fraud

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without a very good excuse then I suspect that may be prima facie grounds

Legal term. What does Prima Facie mean?

Edited by overdone
typo

If my post helped you feel better, click my scales.

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okay lots of silly answers and I do not agree with changing your name to avoid debt, best plan is to face it full on and back the DCA into a corner with a CCA.

 

Much more fun.

 

Anything, that changes your name is going to flag, banks are not stupid. Actually, they are, but not that stupid.

 

However, it can be done and it probably is fraud. You will need proof of address and proof Identity, I like this site too much to explain how to obtain proof of ID, but to obtain adress. Banks require sound electoral history with prefer good credit history or at worst none. If you have none then good salary, long term employment, owning home will help.

 

So essentially, you add a new name to electoral register for 3 years obtain ID open bank account and away you go. Obviously, adding a name to the electoral register could land you in prison and if you live alone will increase your council tax bill.

 

So CCA them instead and you need never change your name

We live in an unmoderated country why should the net be any different?

Bring back free speech we miss it!

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if you live alone will increase your council tax bill.

 

How can that be true? I live alone and I get a single person's discount on my council tax bill.

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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How can that be true? I live alone and I get a single person's discount on my council tax bill.

 

 

think about man........think about it!

 

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... 

 

 

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put him out of his misery;)

 

You live at the address, but then you make out Gordon Brown lives with you, then in a couple of years you change your name to Gordon Brown who has lived at your addy for a couple of years and away you go. Totally illegal i would imagine, but what isnt these days!!

 

You of course lose your single person discount because "Gordon" lives with you.

Advice & opinions given by spartathisis are personal, are not endorsed by Consumer Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.:)

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Oh! Heapo big misunderstanding - sorry, now I get it! :oops: - although I'd never advocate it

 

- and er... Im a woman!

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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Subbing, to a very interesting thread!

IMHO, why can't you just change your name by deed poll, then apply for a passport in your new name, showing them the deed poll certificate, then open a bank account with your new passport as ID:confused:

 

You then move property, in your new name?

 

Or is that too easy, or am I missing a point?:confused::confused:8-)8-)

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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