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    • This was why I was rejected the full amount:  
    • I haven't sent them anything, is there a way to retract this? (in relation to me adding more info)   I am also unable to upload the PDF as I do not have a way to redact any personal information, however the defendants are as follows:  
    • Its just come to my attention that a friend has been getting pressure from a company called ACT credit management. They are collecting a debt on behalf of a service provider.  My friend has been pressured to pay far more than they can afford and I've suggested that they request an income and expenditure form. This has been sent but insists on evidence for all about goings. Bank statements etc. Can they legally insist on this evidence.   I'd also like to know if it reasonable to request details of the debt. it wasn't  credit agreement it was for an essential service that should have been paid when the invoice was presented. I'm not convinced that the original cost was fair.    Thanks in advance
    • Sorry, but we need to see the entire claim form in PDF. Scanned. I'm particularly interested to see the description of the parties. Also, I notice that you said that you would provide further details of your claim. This was unnecessary – and probably you shouldn't have done it. Have you sent them something now?
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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.
       
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      • 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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Central Ticketing - 3rd Letter


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Hi everyone,

 

 

After reading about this forum I am gathering that Central Ticketing is a [problem]. I received a ticket for parking in a flat carpark outwith a bay (i'd been doing this for years, in nobodys way just parked beside a barrier which loads of cars used to do) I was obviously shocked to get this as like i said i'd been parking there for ages. I appealed against the letter (before finding this site!) which got rejected. I have since had 2 letters, one with a photograph of my car parked there stating I have to pay them or i'll be taken to court etc. I haven't replied to them since appealing and don't intend to. Will they go away or because they have a photo will I have to pay?

 

 

Thanks very much for any assistance.

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totally

ignore

 

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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A rejection? Well I never.

 

Carry on ignoring and they will go away. Don't worry.

 

Charge isn't enforceable, photo makes no difference. Just a scare tactic used by parking companies - they make it sound like a photo is some sort of evidence.

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ok thanks for that feel better about it! I just needed to check as the photo made me worry slightly.

 

Photos make no difference. As noted by al27 and lamma-its part of the [problem] just like the documentation which is presented/worded like the Police/Council PCNs etc in order to intimidate. They will go away though. If your on your 3rd letter your pretty much at the end of the line although they may well pass it on to thier DCA (if you havent had a letter(s) off them already) then thier 'solicitors' (the person at the next desk!;)). After that thats it :)

Edited by DDWales
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If you believe that this post has helped in any way please click on the star to the left

 

DDWales Vs Barclaycard-*Won* http://www.consumeractiongroup.co.uk/forum/barclaycard/174860-ddwales-barclaycard.html

DDWales Vs Natwest-*Won*

http://www.consumeractiongroup.co.uk/forum/natwest-successes/210090-ddwales-natwest.html

 

-Reclaim the Right-

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