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    • Mr Lee helped to grow his father's small trading business into a global industrial powerhouse. View the full article
    • So here's a thought:   The average age of someone dying of Covid-19 is 82.4.   The average life expectancy is less, at 81.4.   The rest of the population is making huge sacrifices to save people who, on average, would have been dead anyway.   I wonder what the total of life-years saved by all the restrictions we've had on us since the pandemic started is? Probably not many.
    • Hi Thankyou for your response    yes it is ! I sent of a SAR and within the comms Log Lloyds advised PRA  no CCA or paperwork available  .  hence account unenforceable.   The default is listed as PRA so does that mean it’s active ?  I can’t see a default for LLoyds on there.  I will follow your advice Thankyou 
    • i will guess this is:   a debt buyer dca cannot register a default notice    if the original creditor registered a default notice then get a copy of that  staple it to a letter to PRA and demand the account is removed from your credit file forthwith or a serious complaint will be registered with the ICO and financial compensation will be sought.   give them 14 days 
    • Freight industry body warns the lack of an agreement on tariffs could make things more expensive. View the full article
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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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i have outstanding council tax of £865. i recieved a letter from equita threatening doorstep collections so i phoned them dtraight away and had a extremeley rude person telling me that my account was at the bailiffs and she would not talk to me but gave me a mobile number to call.


i called this bailiff named Ronnie!! who told me that my total debt was in the region of £1100 and that if i did not pay i would have him come round in the next few days to arrange to collect my goods etc. i have never dealt with this before so was quite shocked and worried about the situation so i offered to make a payment plan of £40 per month to me that is a lot of money he scoffed at this and said no chance if i set up a plan it will be for the max of 3 months which was impossible for me. he then said he would call me back to which he never and i bwegan worrying that he would turn up at the door and take my goods so i recalled him and offered to pay £80 per month he again said no and we ended up with a sum of £70 PER WEEK!! now i realistically cannot afford this.


i have seen on the website that if you call the council you can maybe pay them is trhat correct?


please can anyone give me som good advice as i really am worrying about this and need to sort it out my first payment was meant to go on friday but i cannot get in contact with him and after reading all this am very worried as i have no written information

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Hello and wellcome first of all you have found the right place second dont panick now for starters Im pretty damn sure that the Equita bailiff will have hiked up the amount that you have to pay with what he will call an "enforcement fee" if he has this is not allowed spend some time today reading the forums here and you will begin to feel better educate yourself thier are things bailiffs can and cant do and one of them is just to turn up and remove your goods its not as simple as that but he's hopeing you dont know this on monday ring him again and ask him exactly how the amount is made up be polite dont let on that you are getting help from here and try to record the conversation see if he will admit to this "enforcement fee" he probabbly will. Now for some basic rules NEVER and I mean NEVER let a bailiff in to your home not even if his head is falling off and he wants to call an ambulance there is no law that says you must let him in he can only gain entry by peacefull means so if the door is unlocked he can walk in if a window is open he can climb in once he is in he can and will levy against your goods and then any payment plan you break he will have the power to return and remove goods with a lock smith if nesacarey now like i said start educating yourself on here and one of the big guns will be along to help more shortly however the week end is normally quite quiet on here good luck keep us posted oh by the way where are you from

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it would apear that there fees on this are already too high.


send them a strong letter requesting a breakdown of fees and also copy to the council and also ask them for a copy of the order from the court.


if you have not been to court you can apply to the court to be means tested and a judge will set the rate to your means test and that will be based on you income and outgoings this is a fair way to isue a payment plan.


can i ask what is you employment status?



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Thanks for the help so far


In response to the questions


I am from Birmingham


I am a student but also work part time as a bar tender


I did goto court origannally and saw a summons officer and we agreed on a payment plan but she said that I was to start pAying once I had recieved a payment card and confirmation of the agreement but the only correspondence I had off them since then was a liability order and now this equita stuff


is it still possible to get a deal with my council (Birmingham city)


Tbe people at equita say they donot have my case as it's with the bailiff so who should I send the letter into?

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Speak to the Council first thing tomorrow, and get some clarity off them, as well and the name of the person you speak to, post it up here, and people will chip in.


You're situation is not unfamiliar; I have been there. And I am still dealing with it, but yours should hopefully be easier.


If you are a student, do you have a Council Tax exemption form from your University? Can you get one? Ask the SU possibly?


In any event, Baillifs for Council Tax can only charge two visit fees, the first being £24 and the second being £18.50 if I remember correctly, as long as they do not obtain a Levy!


Any comments?

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