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    • 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?
    • Its new Premium account costs £15 a month and comes with features including phone and travel insurance. View the full article
    • and here is the Hermes response:   Intention I intend to defend all of this claim   Signed I am the Defendant REDACTED Hermes Legal Department 19/10/2020
    • Here is my claim:   Particulars of Claim I posted the Item at a collection point which I was provided the following tracking number: REDACTED The tracking did not update past the point it was collected from this shop, and I had flagged this up from the 6th. PackLink have offered compensation amounting to £25 which I have refused. They do agree that the parcel is indeed lost, but are not willing to payout the value of which the item sold for. PackLink have refunded me the cost of the label which amounted to £7.08 There is a packlink reference number for this case, which is: REDACTED In essence, PackLink admit they are at fault, but are not willing to compensate me for the full value of the item at its sold price. I will provide the defendant with separate detailed particulars within 14 days after service of the claim form.   Details of claim Amount claimed£1,490.00 Court fee£70.00 Total amount£1,560.00
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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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      • 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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Voluntary Surrender of Vehicle letter from Red2Black

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Hi, I am looking for some advice please.

Purchased a vehicle through GE Money (now Santander) in August 2006 on a 5 year loan. Been struggling for the past 11 months and now £600.00 in arrears, Recieved a demand from a collection company called CodeRed (but who said I should contact Viking Collection Services) who I CCA'd (to provide me with a true copy of the credit agreement ). Strangely I got a reply with the documents directly from Santander. I then received a letter of demand from Red2Black who I also CCA'd on 7 August this year. I have received no reply to that but today received a lettr from them saying that Santander has instructed them to accept a Voluntrary Surrender of Vehicle. They have asked me to sign an attached form and return to them within 7 days to arrange return of the vehicle. Can they do this? Yes I am in arrears but have been trying to make regular payments and I obviusly dont want to lose the car. Thanks in advance for any help.

Also posted under repossesions

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Interesting And Sounds A Con


You Can Do A Vt On A Hp Agreement But This Sounds Like A Repo In Disguise


Do You Still Have Your Original Agreement


Redtoblack Are A Repo Outfit


As A Rule The Rac/aa Would Do An Inspection On The Vehicle Before Its Returned


It Seems To Me That The Account Has Been Passed To A Dca


At The Top Of The Agreement Does It Say


hire Purchess Agreement Regulated By The Consumer Credit Act 1974


personel Loan Agreement Reg

or Fixed Sum Loan Agreement

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Thank you for your comments. Yes I have the agreement - Fixed Sum Loan Agreement Regulated By The Consumer Credit Act 1974.

Can they force me to sign this? I was under the impression that I could request a Voluntary Surrender but not have it forced on me.

As they have not responded to my CCA request (sent by recorded delivery) is there anything else I can do? Many thanks

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Can You Post Up The Agreement

Google Photobucket And Use The Upload Ink For Message Boards With Out Thumbnails Option To Post


Remove Personel Details But Leave In The Figures

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This Is A Voluntry Surrender Not Voluntry Termination


Do Not Sign It



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its now confirmed

they cant repo with out a court order

even if they come to your house, refuse to hand over the keys

if they do a repo with out a court order, you will be entitled to all your repayments back



can you post up the letters ref the voluntry surrender


remember to deleate all things to identify your self


glad you sussed how to post docs


well done

Edited by postggj
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This Is A Fixed Sum Loan Agreement


What You Need To Do Is Write To Ge

Ask Them For A Settlement Figure Valid For 28 Days


As Its A Fixed Sum Loan Agreement You Should Be Able To Sell The Vehicle As Its Not Registered On The Hpi And Any Balance Paid To The Finance Co Thats Due

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The Funding Co Use Red2black On Its Repo

Sign Nothing

Refuse To Give The Keys If They Try And Repo

If They Tow It, Let Them


They Will Then Have To Ay Back To You Every Penny You Have Paid And You Get To Keep The Car As It Will Be Classed As A Gift

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The Only Thing I Can Say On That Letter Is


Sod Off Red2black


They Need A Court Order For A Repo, And They Know It


Ask Them For A Settlement Figure As In Post 12


That Would Be From Ge Not Red2black

Phone Them And Back It Up By Letter By Recorded Delievery

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The Funding Co Use Red2black On Its Repo

Sign Nothing

Refuse To Give The Keys If They Try And Repo

If They Tow It, Let Them

This is a loan, not HP


Shouldn't the advice be: "if they tow it; call the police & report the theft"


They Will Then Have To Ay Back To You Every Penny You Have Paid And You Get To Keep The Car As It Will Be Classed As A Gift


Except that you would have to try to get the car back from them. I suspect that they might be very good at hiding things, making confusion, having a bouncer stand in your way etc. I suspect that you would have to take them to court to get the car back

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