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    • its a 12mts contract else why would it say till 2021 and first month..   simply states they don't charge a joining fee clever marketing ploy as people don't read things. it IS a monthly payment, that runs for 12mts.   but anyway there is stuff and all anyone can do to you.   dx        
    • Hi Slick,   Amazingly fast reply, thank you!   According to the reference on the payment it says "ON 24 SEP BCC" and the payment cleared 25th September at 11:26   I was simply told to sign up on the website by a staff member in the gym, no further information was given to me by them. The website stated that it's a rolling monthly membership that could be cancelled at any time "No contract membership JUST £14.99 a month, until 2021*" As far as I am aware there was absolutely no minimum membership length, unless there's some small print I've missed somewhere. But Harlands haven't mentioned anything about me being obliged to pay for a certain length of time so... I've attached a picture to this post of what I signed up for.   Also, I'm not sure if this has any relevance at all but the building is plastered with £9.99/month signs EVERYWHERE yet it costs £14.99 when you go on the website. False advertising 🙄 Could perhaps use that as leverage in a letter if it comes to it, I dunno? 😂
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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.
       
      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?
       
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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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Lloyds gradute A/C O/D - now with Apex/Satchi.


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Thanks Cerberusalert, do I send the DCA request to Apex or Lloyds? Is it ok that the account is an overdraft with masses of interest?

 

I offered repayment because I was sick of the constant crap from Lloyds and then Sechiari and now Apex/Geoffrey.

 

They just carry on demanding the full amount and threatening court. There have been a couple of times they have caught me off guard and I considered phoning them.

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Is it ok that the account is an overdraft with masses of interest?
in that case you'll need to send a sar to the original creditor http://www.consumerforums.com/resources/templates-library/86-debt-collectors/576-subject-access-request-debt-a-dca to determine what unfair charges you can reclaim.

 

Meanwhile you'll have to write to GPB saying that you dispute the debt due to the unfair charges.

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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l have had dealings with these guys on a couple of occasions. lt seems to me that it is some sort of a mailing outfit as my letters are identical to yours. l've not been to court, yet, as a result of Geoffrey Parker Bourne and l have the feeling creditors use them at low fees to mail threatening letters only. l've never tried to find out who they really are, but, shall do that today. ln my humble opinion, do'nt worry, but, it could be interesting to see what happens if you do send them a subject access request as they must have received data from the creditor. You go and get them.

Gustavius

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l have had dealings with these guys on a couple of occasions. lt seems to me that it is some sort of a mailing outfit as my letters are identical to yours. l've not been to court, yet, as a result of Geoffrey Parker Bourne and l have the feeling creditors use them at low fees to mail threatening letters only. l've never tried to find out who they really are, but, shall do that today. ln my humble opinion, do'nt worry, but, it could be interesting to see what happens if you do send them a subject access request as they must have received data from the creditor. You go and get them.

Gustavius

 

 

 

As l thought, they provide what is called ...''VOLUME INSTRUCTIONS''....for personal debt. That means nothing more than the provision of a solicitors letter (to scare the living daylight out of you) for £35.00 a pop. But, as l said, go ahead with your SAR and let's see what comes along.

Gustavius

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I have had the same letter from these people as well, a the time, I did not think to look at the top of it where they have a bar code and it had the DCA reference on it. That was back in 2007.

 

I wrote back to GPB saying that I did not acknowledge any allege debt to their client that they were acting on behalf of and I also sent the same letter to the DCA both recorded delivery asking for CCA and I also sent a SAR to the OC.

 

Got my £1 back from DCA saying that they were going to asked the DCA that they were collecting on behalf of to let me have the CCA. Nothing tuned up that is because there was no CCA in the SAR bundle from the OC and also the allege was statute barred.:-|

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Thanks, I have sent a Subject Access request and all I find is interest which I assumed was my fault. I have tried sending a CCA request but no luck, the debt just got passed on from Sechiari. Someone said I shouldn't send for a CCA request if it's an overdraft. Is this true? In that case, what do i do next? (Arghhh!)

 

I also sent them a letter asking for repayment but they keep threatening.

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So what do I do now apart from panic and beg for mercy?!!

 

 

Not to worry. GPB are not involved other than to scare you. Get back to Apex again, but, make sure it is in writing. Then start to pay them what you can afford, say £1.00 a month. They may not accept this and demand more as well as threaten you with GPB letters again. Again, do not worry, but, keep up your £1.00 payments. lf they go to court they will loose out as you can prove good intent - you pay and that as much as you can afford. Any judge will find for the claimant, but, order you to pay the same or just slightly more, why most creditors avoid court.

Good Luck

GR

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Would this not be covered by Data Protectioni.e passing details to a 3rd party and also should a default notice be sent with an opportunity to remedy the breach before involving this firm of "solicitors" if indeed that is what they are.

Dont let the parasite dca's prosper

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Yesterday I got a letter from Geoffrey Parker Bourne solicitors, with the heading of 'Pending legal action' Does anyone know who GPB solicitors are? They have a very similar address to Apex.

 

Anyway the letter says:

 

"We have been instructed by Apex Credit Management in relation to your outstanding account in the sum of £1,980.14

 

Unless our client receives payment in full or a valid reason for non-payment of the account within the next 7 days, court proceedings may be taken against you without further notice.

 

Should court proceedings be issued, you may be liable for court fees and solicitors costs which will significantly increase your balance. In addition, if judgement is entered against you, it may impede your ability to obtain credit in the future.

 

Should you wish to avoid such action, you should telephone our client on 0871 2442808 and one of their advisors will discuss the matter with you.

Please note, we are instructed not to enter into correspondence with you at this stage but to refer you to Apex Credit Management. You can contact them on the number stated or at the address on previous correspondence."

 

I have sent Apex a letter explaining that I can't afford it and that I am willing to set up repayment on the account. It seems like they passed the account straight on to Geoffrey Parker

 

Should I be worried? I have never heard of this firm before, I looked them up on here and apparently these guys don't play around. I am really scared this guys could take me to court.

 

Thanks

 

I just received EXACTLY the same letter!! (barring the amount)

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Would one of the site team please comment on post #13 as this affects most of the posters on this and other threads regarding the sending of a letter from a "solicitor" which is possibly just a bulk letterhead sent from the same office.

Dont let the parasite dca's prosper

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Would this not be covered by Data Protectioni.e passing details to a 3rd party and also should a default notice be sent with an opportunity to remedy the breach before involving this firm of "solicitors" if indeed that is what they are.

 

They will simply respond with the usual "You gave permission to process when you entered into the agreement" the fact that it is for an overdraft and not a CCA governed account would mean that when the account was created the customer consented to their data being shared - this has never been fully tested through the courts and as such they will stick by the same argument until it is.

 

Apex have passed it to GBP not the OC, so any default should have been long served before even Apex got the account.

 

Also the soliciotr would normally be acting on the say so of the same DCA, so they could argue it has never been transferred, they are merely escalating their enforcement actions

 

 

Sorry: Devils Advocate

Hope this helps

 

 

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Please note: i am not a qualified lawyer, any advice is offered in good faith and is based on my own and others experiences and a penchant for research and a desire to help others to empower themselves

 

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Thanks, I have sent a Subject Access request and all I find is interest which I assumed was my fault. I have tried sending a CCA request but no luck, the debt just got passed on from Sechiari. Someone said I shouldn't send for a CCA request if it's an overdraft. Is this true? In that case, what do i do next? (Arghhh!)

 

I also sent them a letter asking for repayment but they keep threatening.

 

If you work out what the totals of the charges are you should start to reclaim them, see; http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-example-step-step-instructions.html

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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I know GPB churn out these letters and some of you might be tempted not to take them seriously. BE CAREFUL - they can and will go for a CCJ if you let them.

 

They tend to back off when confronted with CCA requests etc. but you do need to be on the ball with them - everthing in writing, recorded delivery.

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FYI

 

If its the same Geoffrey Parker Bourne that i know in Stratford upon Avon, I have visited there on many occasions, just a bog standard lawyers office with a dentist type reception and a few odd looking people in ill fitting suits looking very over worked and underpaid

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They used to have an address of 1 Clopton (?) Road, Stratford, which is the corner of the IJ building as you enter Stratford town centre, the building is quite distinctive as it's built up on what look like brick stilts. I only hope that no runaway JCB ever hits them and causes the building to collapse because that would be a terrible disaster wouldn't it? Wouldn't it? :wink:

Any advice or opinion given is done so in the spirit of goodwill and assistance, but please note I'm not legally trained or qualified, only hoping to help. My advice or opinion is based on experience in my life, and research from forums such as this and other useful sites.

 

Please seek professional legal advice if you are in any doubt about what to do next with your personal case.

 

There are many threads on this forum to help you and I do recommend searching around to see what steps others have taken. You're in good hands with CAG-

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  • 4 months later...

Please can someone help me? I have 2 accounts with Lloyds which have been out of control and have been passed from DCA to DCA for years. I owe about £2000 on both and I cannot afford to pay them both off.

 

My only option is to pay them off but everytime I try and offer a little bit of money to the DCAs I get threats and they ignore me.

 

Today I received a note from Allied International Credit (UK) Ltd, Glasgow. I have never ever heard of this lot. It says:

 

"Warning!

 

Our Client has informed us that under their terms and conditions, as Formal Demand has been made, payment of the full outstanding balance must be made immediately. Should you need to discuss your account please urgently call: Mrs L O' NEILL 0141 2283039.

Attach payment to this notice and return immediately"

 

It has a reference number and a account balance but I have no idea which account it is for, there is no other information.

 

What do I do? I am sick of offering DCA's money and them ignoring me. And I have never heard of Allied International, the letter looks so dodgy!

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Under no circumstance phone them. If they phone you, put the phone down on them, also keep a log of all calls they make to you. If you get into any conversation with you they will bully you, trust me.

 

They are a very nasty company to deal with, if the calls get to much send the Telephone Harassment Letter.

 

Sit tight they should write to you to tell you what account they are chasing, then when they do, we'll take it from there.

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Hi,

 

What sort of accounts are they ?

 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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hehe AIC,, our old bottom feeders .

 

ignore them & dont be too stressed bout DCA's not wanting your money, there are 1000's on here that will envy you i bet!

 

pay no-one NOTHING, unless they can produce paperwork to prove they have the legal right t o accept it.

 

how many years are we talking about here?

 

i'd say you're on a phishing list and just get passed around..

 

hit them where is hurts...ignore the#m

 

there is nothing they can do to you.

 

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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