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    • Good luck to you and the family, London. I hope you've had some good advice from the local public health people.
    • Hi everyone, hope all ok here.    I have just received a letter from a debt collection agency asking me to pay a debt owed to British gas.    Upon checking my credit scores, i can see this debt shows up as settled and closed in 2016. Started in Dec 2015 and closed in July 2016 with £0 balance.    I have no recollection of owing anything to British Gas. It's a very small amount (around £40) but it has been bugging me.    Any idea if i should be paying this company?    Thanks for all your helps in advance. 
    • The company is called Ideal Window Solutions Below is a response from the manager to a request to cancel, them having cancelled the fitting on at least four occasions. In June it was arranged they would start at the beginning of August and each date they promised they have cancelled. .  I have been informed by the office that you said you want to now cancel after telling me that you will see it through till October. If you do cancel, as I mentioned to you, there will be financial penalties due to the fact that you have signed an official, legally bounding contract to supply and fit new windows. I mentioned to you that the glass has already been delivered and all other costs associated to putting your contract in place. If you cancel we will be looking to recover this from you. I don’t want this this to happen over a couple of days, which is out of our control. Can you please reconsider and get back to me.
    • Meanwhile Drakeford gone into full control freak mode,  on Wales Firebreak banning sales of all non essential goods whatever he means by that   https://www.dailypost.co.uk/news/north-wales-news/fire-break-ban-supermarkets-like-19141351   Can't see how he can ban online sales but he will try.
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    • 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.
       
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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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Lloyds credit card cca unreadable


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Got a response from the court... acknowledging defence, telling me to await direction etc...

 

Been doing some digging for old documents etc and found an old statement - when I put this next to a so called 'copy statement' that **** sent me a little while ago the numbers do not correspond at all! Its a right mess! Transactions that I don't recognise for different amounts on the same date on each 'copy'... :)

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Oh dear...They haven't been nawty and made up the statements have they :eek:

"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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That's what it looks like they've done, though why they would do such a thing beggars belief! The 'statements' just don't make sense either. This with a catalogue of other blunders on their part, for which I have the evidence!:):)

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  • 2 weeks later...

got a letter today from SCM - it says 'we are still awaiting receipt of copy statements'

 

It also says that they will be applying for summary judgement if this cannot be settled by me agreeing to pay the full balance or negotiate an offer.

 

So - no default notice or termination letter, an illegible document they claim is an agreement, a single page of a statement which is clearly wrong and is different to one that I happened to find in my house of the same date (neither show any actual transactions), a letter which quotes a different account number and balance and says that 'copy statements will follow' and now a letter which tells me that SCM still are unable to send me the documents that support this claim and BTW we're going for SJ !!

 

Well maybe they're just not used to people fighting their corner or this approach is working for them on the whole... who knows.

 

At least I now know to expect their SJ application

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Get everything ready as early as you can because some companies call the court on the hearing date and ask for an SJ! It might be granted if the court hasn't processed your parperwork.

"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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An SJ is usually granted when the claim hasn't been defended, there would be no hearing as the judge just gives judgement by default. Call the court after sending in your paperwork by recorded delivery or special delivery. Better still, take it to the court yourself and get a receipt!

"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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Ok well I've put in an embarrassed defence as the claimant has not provided any documentation despite my request under CPR. My defence was confirmed by the court

 

I am going to send the following letter to them in response to them informing me that they are going for SJ.

 

dear sir/madam....

 

I acknowledge your last letter dated 30th October which I received 6th November. In this letter you say that you are awaiting receipt of copy statements from your client. In another paragraph of your letter you say that you will be applying for Summary Judgement in this case. You are clearly acting with complete disregard to CPR.

In the Particulars of Claim, you refer to the following:

  • Monthly Statements –I never received monthly statements and you told me in your last letter that you did not have any copies
  • Agreement (credit agreement) – you are yet to provide me with a true copy of the credit agreement that you claim exists for this case and it is my belief that you do not have such a document
  • Default Notice – you haven’t provided me with a copy of this despite my request under CPR. I deny that you sent me one and that one exists
  • Notice of Termination - you haven’t provided me with a copy of this despite my request under CPR. I deny that you sent me one and that one exists

What you did send me in response to my request for information were details of someone else’s account with an entirely different account number and balance to the ones quoted in the claim.

If you were able to provide me with all of the documents referred to in the Particulars of Claim, I would be entirely willing to enter into a payment arrangement with you without the need to go to court. These documents will show us all the validity of this claim and will verify (or not) that the amount you are claiming for is accurate

I look forward to your response.

yours faithfully

 

A waste of time?

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I'd be leaving this part out altogether.

 

If you were able to provide me with all of the documents referred to in the Particulars of Claim, I would be entirely willing to enter into a payment arrangement with you without the need to go to court. These documents will show us all the validity of this claim and will verify (or not) that the amount you are claiming for is accurate

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Ok well I think I might leave it then as I have given them plenty of opportunities and requests to supply this information anyway - fight them in court it will be!

 

Thanks for your comments!

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I have read today that within the job cuts that Lloyds have made, 60 jobs are to go at City Park, Hove... This is Consumer Debt Recovery or BLS or SCM.

 

Its never good to read that people have lost their jobs but I wonder what they think of Lloyds Bank now! Probably similar to what I and a lot of CAGers think of them!

Edited by framboise
Missed out hove
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  • 2 weeks later...

Hello

 

Allocation Questionnaire has arrived, transferred to my local court.

 

going to give it a go but may need to ask some questions

 

The claim is for around 13K, which track should I tick? Fast, Multi or Small Claims?

 

Thank you for looking in!

 

F

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