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    • so... I am back again     quick recap: I rented a van using Hertz; the clutch burned out after only 6 miles; Hertz tried to get £850 from my c/c (thankfully I used a virtual one); a debt agency sent me a letter asking to pay £1000+ that ignored.   30 days ago I requested an SAR to Hertz and, so far, I have not received anything (no via post nor via email). As far as I know they are obliged to fulfill my request and I don't want to send them a reminder. Can i open a complaint to the ICO? do you advice me to to that or should I wait more time?   Thanks,   L.
    • Here is the list of letters with dates & amounts. Hope it all makes sense;   1) Email Invoice 26/03/2019 - $14,725.00   2) Pre Protocol Letter 19/06/20 - £9426.41. the GBP rate in the letter is £1 = $1.667AUD so this amount is $15,713.83   3) Deed of Assignment 21/07/20 - $14,725.00   4) Claim Form 11/09/20 - Particulars Claim £8,046.45 <--- this says by deed of assignment. If I use the rate stated in the letter pre protocol £1= £1.667AUD this = $13,413.43 This bit states daily Interest rate up to the date of judgement or earlier payment at a daily rate of £1.76.   At the bottom of the page there is a box with the following: Amount Claimed - £8988.21(if I change that to the AUS Dollar using the rate stated £1 = $1.667AUD the amount would be $14,983.34).   Court Fee - £410 Total Amount - £9398.21   Hope 
    • I'm well impressed with NZ Got a real person in charge, who deals with real world issues in a real world way. Even better than Sturgeon.   Way past time we threw the political elite like Johnson, Farage, Corbyn, Rees-Mogg and Gove out into the street and had them supervised while they swept it and did an actual service to the country.
    • Hello, thank you, I had it marked as due this Friday on the calendar.  My only defence is that I have a really acute kidney infection and infected cellulitis in my leg, last week has just been about survival although I doubt it will matter.  Can I file something late do you know?  Crikey life’s a bit of a bucket of muck at the minute 
    • ROFL Deals with the EU is going to be a prime mover for years to come, whatever could make you think otherwise - it is, soon to be was, was our biggest, most profitable, and soon to be seen as most necessary market for all but the Singapore-on-Thames profiteers.   Thats what you get when you listen to International profiteers lies masquerading as nationalist jingles.
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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.
       
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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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Phone call from Debt Agency


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Hi.

 

Months ago i got a parking ticket from central ticketing. I replied to them saying i would not be paying as id parked there for years(this was before i found this site and found out not to initiate contact!) they have sent me several letters but now i have a voicemail from a debt agency (roxborough or something it sounded like) saying that Central Ticketing have now passed the issue onto us. Are they just trying to scare me or should i actually pay the fine?

 

 

Thanks

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Hi.

 

Months ago i got a parking ticket from central ticketing. I replied to them saying i would not be paying as id parked there for years(this was before i found this site and found out not to initiate contact!) they have sent me several letters but now i have a voicemail from a debt agency (roxborough or something it sounded like) saying that Central Ticketing have now passed the issue onto us. Are they just trying to scare me or should i actually pay the fine?

Thanks

Yes, they are trying to scare you, No, you should not pay.

BTW it is not a 'fine' it is nothing more than a begging letter:)

DO NOT contact them any further and refuse to talk to them on the telephone.

regards

Edited by letshelp
no sugar in my tea

Please remember our troops, fighting and dying in our name. God protect them.

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Ignore them. They are a debt collector not a bailiff, and have no power to do anything other than beg for money. If they call put some crap music on a CD player and leave them listening to it while you "go and get the person they asked for".

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