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    • stuff and all they can do .......they are TOTALLY powerless   and you are well used to dealing with REAL bailiffs anyway looking at your history   
    • ok Finally got home!   I'll try and keep it short however we finally got to an agreeable place   Walked over to sales as there was no more servicing could do especially as the aftersales manager quite simply said they will not be footing the bill. Spoke to the salesman, updated him and he was lost for words and had to ask me where things were left -  Requested senior management to come down - both head of business and general sales manager are off for half term.  That left the buying manager - ironically the same who purchased the car in for the dealership.  He was called downstairs but in the time that he did, he must have called the aftersales manager.   Once down, everything suddenly changed -  I was told they are now 'reaching a compromise' (I assume between the two departments) and it will be put right.  The part is being ordered, is on backorder for 2-3 weeks and once in, they will fit it. This of course means I am potentially out of my 30 day exchange/1000 mile exchange however appreciate I can drag it out if it came to rejecting it.    I got the aftersales manager to put in writing the part IS being ordered and if the part does not for whatever reason fix it, I CAN exercise the exchange regardless of how many days/miles I am out. --This was CCd to the sales manager, the service advisor and the buying manager stating he is accepting/making the decision in the absence of the two other managers.   So all in one- another wasted 5 hours there + the drive up/down but we are hopefully now at a point the final issue will be either permanently fixed or it will be the deciding factor of returning the car.  The part-ex has also gone so it's not like we could even just change back for now.   The part is scheduled to arrive pretty much the week of our due date which really messes this up in terms of transport/planning however we'll cross that bridge then - for now, I need to destress the other half who really did not need this especially with what is essentially for her the baby car    Could I ask - IF it does not fix it and we decide against the exchange - can we still reject?  If we can, what happens to the part-ex thats now gone/auctioned off?   I too believe 99% it will fix it but just curious.     Also just for anyone else taking an interest, the MMI unit that is faulty is not just the navigation but everything Audi - phone, radio, cd, sd card, service indicators, settings for the various components - its all part of the MMI brain.  And so the reason this is important that it is resolved is usually with this unit, if one part fails, it's likely the entire unit will fail.      
    • They don't have to care.  This is Britain - the biggest reaction will be some mild tutting.  The main goal now must be to keep the fear factor high whilst ensuring the pockets of the few continue to be lined.   
    • Cat 6 Marker then. Thats one of the worse you can get.  As @Andyorchsaid... You might need to go to the FOS etc to get this done. We had someone else who went all the way with Tesco and lost. Cat 6 Markers are very difficult to get removed.
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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.
       
      • 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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Right, so I have put in a CCA request with hillesden 14 working days ago and still nothing... what do I do know?

As background, I had a debt with Citi for £3.5k, they sold it to DLC and it's now £8.8k! I emailed them on June 4 asking for a CCA and statment of account, they replied saying it was being ordered. I chased yesterday and they replied saying my account was suspended whilst the docs were on order. However, I have passed to 12 working day limit, so what do I do now?

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They have stated that the a/c is suspended whilst they are trying to get the CCA so until they do there isn't much more you can do just now.

 

However if they do resume collection activities without providing the CCA you could send the 'in dispute' letter; http://www.consumerforums.com/resources/templates-library/86-debt-collectors/571-failiure-to-provide-a-copy-of-the-agreement-within-the-prescribed-timescale

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

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That's great. They just say my account is on hold until further notice. I did recieve calls from them on the weekend chasing me for money. Can I send this now? While this is 'on hold', does it still effect my credit rating?

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Yes you can send it off to emphasise the point.

 

They're not supposed to continue any collection activities whilst the a/c is in dispute, but to be honest the majority of DCAs continue to process data which includes updating credit files.

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

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DLC have been sending me a letter every 21 days since they defaulted on a CCA request in early 2007. Letter simple says "Account is on hold, we are awaiting the documents from the original creditor, we'll contact you in 21 days" LOL

 

I wrote to them and told them to remove the entry on my CRA and they did.

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Oooh, well yesterday they text me, I called them and said my account was suspended. They them emailed me asking me to contact them urgently, so I sent them the Account In Default letter, so fingers crossed they'll get off my case too.

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  • 3 weeks later...

You do not have to do anything, the a/c remains in dispute until they provide an enforceable CCA.

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

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yesterday I recieved an email saying that a copy of the agreement had been sent but no statements. They then asked for payment information. I said I would not be responsing until all of my requested documents were receieved. This is what they said to that

 

Dear Miss Stowell

 

Client: CitiFinancial Europe

 

 

We acknowledge receipt of your email received today, for which contents has been duly noted.

 

As previously advised in the interim we still require your payment proposals in respect to the outstanding balance.

 

Failure to respond within the next 7 days may lead to further action.

 

Yours sincerely,

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Do nothing.

 

CCA 1974 Section 78 (6)

If the creditor under an agreement fails to comply with subsection (1)—

(a) he is not entitled, while the default continues, to enforce the agreement.

Why would you offer a payment proposal for an unenforceable debt?

DLC are spineless - simply stand up to them and show that you know where you stand and they run off crying.

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  • 3 months later...

These people have started hassling me again. I've just had a heated conversation with one of their monkeys who have told me that a) they don't need to send me any documentation (they have sent the credit agreement, but not the statement) and b) that they've applied for a attachement of earnings.

I wrote to the stating that if they could prove that i owe them this money I'd be happy to make a monthly payment but I've heard nothing until today.

Any help would be appreicated.

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2u7t9g1.gif

 

Make a complaint to your local trading standards & the OFT with regards to their harassment and threats, they are in clear breach of OFT guidelines & CPUT ;

 

Consumer Direct - Contact us

 

OFT Complaint form

http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/DebtCollectionComplaintForm.DOC

 

The Office of Fair Trading: Contact us

 

debtcollectionguidance@oft.gsi.gov.uk

 

 

tel: 020 7211 5823

 

The Office of Fair Trading: Debt collection practices

 

http://oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

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Can You Google Photo Bucket And Post The Agreement Onto Your Thread, Deleate Personal Info And Use The Upload Link For Message Boards Without Thumbnails Option

 

If The Agreement Cant Be Read, They Have Not Complied With Your Request

 

What About The Other Docs Ive Mentioned

Any Of Them

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Sorry, I don't have a scanner otherwise I would do that. Regards to the other agreements - I've had none, wel;l not that I can remember.

The monkey on the end of the phone told me they'd had no communication from me regarding documentation copies - even though I have email replies from them acknoowledging my request!

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TO POST VIA PHOTOBUCKET

 

Go into photobucket and select the image you want to display, on the left hand side a box comes up with a title of "Share this image", if you click on the IMG entry it'll come up "copied".

 

Now if you go to your thread and post a new message, just CNTRL+V at the point you want to import your picture, it'll put a reference. When you submit the post it'll put the picture in the post. You can do this for multiple images so you'll need more than one browser window to swap between photobucket and this website.

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Well Its Down To Them To Prove The Debt

 

Not You

 

Give Me An Hour And Ill Have A Letter For You To Send These Cretins

 

 

Ref Photo Bucket

 

Try An Internet Café Or Li Bary

 

Or Scan The Image And Save To A Flash Drive, Then Do It At Home

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Sorry, I don't have a scanner otherwise I would do that.
If you have a digital camera you can take a decent picture using 'macro-mode'

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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