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    • Thank you for the reply - I'm half expecting them to either drop the whole thing or to spring the "We had to tell the court that you don't want to pay so we're going to restart proceedings" idea given the language in the consent order that I signed with them. Going to read up and prepare to defend in case they fancy playing that game. It'd be nice if they would actually play by the rules for once...
    • Hi, I'm not sure if I'm asking this in the correct forum.   Ill try to be brief   - last October I contacted a h2b company that said I was eligible for up to £200 off every window and door. I agreed to a company to come and quote.   The quote was given, the windows and doors installed. The initial installation was incomplete however the people installing said for them to be paid for their part I needed to sign both a form that said what was left and that they had done their part. This form was actually an agreement to release the funds from the finance company. I disputed this.   Fensa came to inspect my property finding multiple errors (improper sealing) in addition to those I found (chipped and damaged beading, poor finish and damage to an internal door and blind). The company returned to fix the issues Fensa identified.    I compiled a very hefty report and sent to the window company complaints team with pictures showing the faults. They did apologise and have attempted to remedy some of the issue.   I asked for a price breakdown in December to check exactly what each item cost. This was done as I had agreed to have sills in addition to the windows and i received capping boards instead (i didnt need capping boards).   The price breakdown shows no indication of any saving made as promised by the h2b company. When i highlighted this to the window company they said what they had provided was all they were giving me. I complained again and was given an explanation stating that they gave me a different saving that was larger than would have been offered by the h2b company in the first place. This was not indicated to me at point of sale.   Being that it has been a year I am wondering if I should contact the financial ombudsman about this. I feel as though I have been miss old this product and the company has been dishonest and unhelpful.   Any advice would be great.
    • Hi everyone,    They started sending threats:   Wednesday:    We have been instructed to proceed formally on this claim in 7 days in respect of the balance due to Photo Studio Group unless discharged or an arrangement made. This will result in a formal Letter Before Claim and Court Proceedings.    Thursday :    It's not too late to stop legal action. Settle the £1182.89 due to Photo Studio Group.    Friday 8:23am :   The £1182.89 due to Photo Studio Group is overdue we are now instructed to proceed with a formal Letter Before Claim.    Friday 6:28pm:   We are now considering whether to issue Court proceedings to recover £1182.89 owed to Photo Studio Group.        
    • Hi Guys, I would appreciate any advice you can give.   In mid September this year we went to a Caravan company to look at potential caravan purchases, we found one caravan that we liked it was a 2018 model,   however when talking to the salesman we expressed concern that the settee and the bed mattress seemed to be of very poor quality and lacked any real support. The settee and mattress also seemed older than the year of manufacture would suggest. The salesman assured us that the fittings were manufacture fitted and that was, 'Just how they are'. He agreed to look into the matter for us.   As a result we paid a £1,000 deposit on our debit card, the salesman asked us to sign a contract for sale regarding the caravan informing us it was 'a receipt for the money we paid'.   We were due to collect the caravan this week, however, during the period from signing the contract we felt that we were being mislead about the furnishings previously mentioned so we carried out some research.   I sent the photographs to the manufacturer and asked them if they were the original fittings supplied by them, they responded that the settee and mattresses shown in the photographs (Taken from the online sales pictures from the sellers website) were never fitted to that caravan and had never been supplied by the manufacturer. I also downloaded the brochure from the manufacturer that showed the settee and bed mattresses that were fitted to the year and model of the caravan we had paid a deposit on, were nothing like the ones currently fitted.   somebody has taken out the superior Settee and bed mattresses and replaced them with cheaper inferior quality ones which seriously devalued the caravan, notwithstanding reducing the comfort and quality of the caravan. He insisted that the photographs (taken from their website) were the correct fittings for that caravan.   On Sunday 20th October, I sent the caravan sales company a letter stating that we were rejecting the caravan and that we had been mislead as to the quality and provenance of the fittings, that we no longer had any trust in the sales company and under the Consumer Rights Act requesting the return of our deposit.   We received a response the next day that stated, they accept the cancelling of the contract however, they are retaining our deposit against the purchase of another caravan from them.   I think it is a given, that we would never darken their doorstep again let alone purchase anything from them. I would add that all our concerns and the company's responses have been via email, so we have an audit trail of what has gone on.   I have considered chargeback, as we paid on a Visa debit card (I know should have used a credit card) and I am aware that we have 120 days to try and implement this.   I'm looking for advice as to what to write to the company to start with, i.e. Letter of complaint (They have no complaints policy or procedure in their T&C, they are also not signed up to the Dispute Resolution Ombudsman Scheme) or a, Letter before Claim, or do I involve Trading Standards.   Any advice from the wise members of this group would be greatly appreciated.   
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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.
       
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      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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      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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Good Evening everyone..

 

I apologise in advance as im sure there will be numerous threads regarding this company, but everyones cicrumstances are different..

 

i will try to keep this brief and as much help as possible would be greatly appreciated.

 

I had a credit card with Monument about 5 years ago.. The debt was passed to Cabot financial and now on to Ruthbridge.. Had all the threatening calls and letter from them saying i need to pay with in 18 days in full or else..

 

I wrote to them advising i could not pay them in full and would be able to pay a monthly amount. I enclosed a montly income and expenditure.. Later that week i received a call from Jason at Ruthbridge saying they dont accept DD or standing orders and i had 2 choice.. Either pay in full in 18 days or make myself bankrupt..

 

Obviously i am worried about this but i didnt let him know this.. i do want to pay this debt off but cant afford the full amount.. please can anyone help.. thanks

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If you have asked for a copy of your Credit Agreement and it's enforceable and there are no charges to reclaim, I would just persist with paying them what you can afford.

 

A judge would not order you to pay any more than this.

 

Also, the rubbish about making you bankrupt is just that, rubbish.

 

If you can record your calls, please call Jason back and talk to him about how he's going to make you bankrupt and post it on here for further advice.

The REAL Axis of evil: Banks, Credit Card Companies & Credit Reference Agencies.

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If you have asked for a copy of your Credit Agreement and it's enforceable and there are no charges to reclaim, I would just persist with paying them what you can afford.

 

A judge would not order you to pay any more than this.

 

Also, the rubbish about making you bankrupt is just that, rubbish.

 

If you can record your calls, please call Jason back and talk to him about how he's going to make you bankrupt and post it on here for further advice.

 

 

Aggree a judge will only order you to pay what you can afford and provided you keep to the payments there is fu*k all a dca can do ie they can not send round bailiffs or take your wages or any thing else they normaly threaten you with.

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thanks.. that was another thing i needed to ask.. they say the amount is 1397, but i wrote to Monument (which is owned by Barclay Card) and they said they refunded me almost £500 in charges and interest.. But in telling Jason this he didnt want to listen and said i had to pay the full amount..

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Aggree with above do not call them if they call you refuse to answer the security questions and simply say everthing in wrighting and put the phone down if they persist in calling you there is a template letter you can send them. remember when they are bulling and treatening you on the phone it is harder to think strait but with a letter you can read it at you your own pace and come back to it after you have had a think and got some advice

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Thanks everyone for the advice i really appreciate it.. i am going to write them a letter this evening again showing income and expenditure and again offer them a monthly payment.. ( do you think i should include the 1st months payment in a cheque)

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have you requested a copy of your credit agreement?

 

if not send the letter at no 1 in my sig, include a £1 po and send recorded. do not sign it just print your name send along with this:

 

Re: Harassment by telephone

 

ACCOUNT NUMBER: XXXXXXX

Dear Sirs

I am writing in relation to the quantity and frequency of telephone calls that I have received from your company, which I deem to be personally harassing.

I have verbally requested that these stop, but I am still receiving calls. (Delete if necessary)

I now require all further correspondence from your company to be made in writing only.

I am of the view that your continued harassment of me by telephone puts you in breach of Section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1997.

If you continue to harass me by telephone, you will also be in breach of the Communications Act (2003) s.127 and I will report you to, FOS, OFCOM, Trading Standards and The Office of Fair Trading, meaning that you will be liable to a substantial fine.

Be advised that any further telephone calls from your company will be recorded.

 

Yours faithfully,

 

[NAME HERE]

 

 

send these to rughbridge,

 

ida x

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Do NOT send these muppets your income/expenditure. They have no right to it.

 

The only letter you should be sending is the one Ida posted above and this one linked here

 

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/581-cca-request-letter

 

Send a £1 postal order with it and print (do not sign) the letter.

 

Jogs

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i am going to write them a letter this evening again showing income and expenditure and again offer them a monthly payment.. ( do you think i should include the 1st months payment in a cheque)

 

Do not do this.

They have no power to money or i & e details off you.

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I have sent off my CCA and will keep you informed.. 2 questions though..

 

1) What should happen if i get a response letter saying they dont have the original agreement.

 

2) What do i do if they send me the original agreeemnt

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I have sent off my CCA and will keep you informed.. 2 questions though..

 

1) What should happen if i get a response letter saying they dont have the original agreement.

 

2) What do i do if they send me the original agreeemnt

 

 

1) you can send an account in dispute letter and can within your rights to withold payment

 

2) post it up here for folk to have alook at and if enforcable you can make an arrangement to pay that suits you

 

ida x

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Have just checked on Royalmail website and my CCA letter was deliver this morning and guess what... Mr Jason aka Dickhead has been trying to call me frantically..lol

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did you include the telephone harrassment letter?

 

ida x

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In the end I had to change my phone number to stop the calls. Or you could invest in a Truecall device. But they never stop phoning, whatever you write - why would they when they ignore every other regulation and piece of guidance?

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Good Evening everyone..

 

I apologise in advance as im sure there will be numerous threads regarding this company, but everyones cicrumstances are different..

 

i will try to keep this brief and as much help as possible would be greatly appreciated.

 

I had a credit card with Monument about 5 years ago.. The debt was passed to Cabot financial and now on to Ruthbridge.. Had all the threatening calls and letter from them saying i need to pay with in 18 days in full or else..

 

I wrote to them advising i could not pay them in full and would be able to pay a monthly amount. I enclosed a montly income and expenditure.. Later that week i received a call from Jason at Ruthbridge saying they dont accept DD or standing orders and i had 2 choice.. Either pay in full in 18 days or make myself bankrupt..

 

Obviously i am worried about this but i didnt let him know this.. i do want to pay this debt off but cant afford the full amount.. please can anyone help.. thanks

erm......they dont accept dd or standing orders? yes they do because ive had a standing order with them myself! bunch of bloody liars!!! gud luck

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LOL.. well he kinda dropped himslef in to it about the standing order.. the first time i phoned he said they didnt do standing orders or D/D then a week later I phoned and he said i needed to have a LLoyds bank account to do D/D which i know was bull****..

 

There whole company is a Joke.. I have sent them a CCA letter a week ago and have yet not heard anything back from them.. i cant wait for there response..

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its been 11 days now since my CCA letter was delivered to ruthbridge and i have still had no reply.. What do I do next, do I assume they cant get a copy of my original aggrement, (if so what does this mean for me) or do i assume they might be taking it to the courts, (again what would that mean for me) appreciate the help

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I no I'm just new here but I do no these ruthbridge monkeys.

 

If Cabot have passed it over to them for collection, you no there is nothing to worry about. The agreement will be all fairy stories.

 

In fact I have a feeling that Cabot hand these over to them and tell them to keep the lot if they can squeeze the last drops out. Why woul'nt they do it themselves if there was even the slightest chance of being able to collect in house?

 

Tell them to go play with themselves, or you'll be happy to see them in court. You no it makes sense.

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