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    • Good luck to you and the family, London. I hope you've had some good advice from the local public health people.
    • Hi everyone, hope all ok here.    I have just received a letter from a debt collection agency asking me to pay a debt owed to British gas.    Upon checking my credit scores, i can see this debt shows up as settled and closed in 2016. Started in Dec 2015 and closed in July 2016 with £0 balance.    I have no recollection of owing anything to British Gas. It's a very small amount (around £40) but it has been bugging me.    Any idea if i should be paying this company?    Thanks for all your helps in advance. 
    • The company is called Ideal Window Solutions Below is a response from the manager to a request to cancel, them having cancelled the fitting on at least four occasions. In June it was arranged they would start at the beginning of August and each date they promised they have cancelled. .  I have been informed by the office that you said you want to now cancel after telling me that you will see it through till October. If you do cancel, as I mentioned to you, there will be financial penalties due to the fact that you have signed an official, legally bounding contract to supply and fit new windows. I mentioned to you that the glass has already been delivered and all other costs associated to putting your contract in place. If you cancel we will be looking to recover this from you. I don’t want this this to happen over a couple of days, which is out of our control. Can you please reconsider and get back to me.
    • Meanwhile Drakeford gone into full control freak mode,  on Wales Firebreak banning sales of all non essential goods whatever he means by that   https://www.dailypost.co.uk/news/north-wales-news/fire-break-ban-supermarkets-like-19141351   Can't see how he can ban online sales but he will try.
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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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Where to go from here? Advice needed please.


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I have an outstanding balance with cap one that was defaulted 4 and a half years ago. I had a reduced payment plan set up that I stopped paying after i found this site and CCA'd Cap one and received some terms and conditions. I sent the account in dispute letter. They passed it on to Credit solutions limited. They said they would be coming to my house so i CCA'd them and they sent me a signed Application form like so many other people and which I have been told is unenforceable. Now I have received another letter from Power2contact saying that they are coming to my house to collect the debt. Im feeling a bit lost as to what to do next. When i started this I had the intention of keeping to deadlines and such but as i work away for long periods I have let my eye off the ball. Should i CCA the DCA or send another Account in dispute letter. I have thought of offering a full and final settlement but the default on my record is 6 years old in 18 months. Any advice as what my next step should be is greatly appreciated. Thanks.

Slick244

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Check this over and send to P2C

There is no point in sending another CCA or dispute letter at this stage.

This account is in serious dispute with the xxxxxxxxx, the details of which are none of your concern. You must however read the later paragraphs concerning home visits and data protection.

TAKE URGENT NOTE:

I DO NOT WISH TO RECEIVE ANY REPRESENTATIVE OF YOUR ORGANISATION, OR INDEED AN AGENT OR REPRESENTATIVE EMPLOYED BY ANY ORGANISATION THAT YOU ISSUE INSTRUCTIONS TO.

 

There is only an implied license under English Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v Sheppard and Short Ltd [1959] 2 Q.B. per Lord Evershed M.R.)

THEREFORE TAKE NOTE THAT I REVOKE LICENSE UNDER COMMON LAW FOR YOU, OR YOUR REPRESENTATIVES TO VISIT ME AT MY PROPERTY AND IF YOU DO SO, THEN YOU WILL BE LIABLE FOR DAMAGES FOR A TORT OF TRESSPASS AND ACTION WILL BE TAKEN, INCLUDING BUT NOT LIMITED TO , POLICE ATTENDANCE FOR A BREACH OF THE PEACE.

 

I also caution you here that should you ignore my request on this point, the actions of your representative(s) will happily be recorded either by CCTV or by telephone recording equipment – whichever is applicable. Accordingly I reserve the right to use any evidence of you or your representatives’ ignoring this request in connection with any actions that I choose to pursue, including media exposure.

 

Should it be your intention to disregard my wishes, and break your obligations, please be advised that the following rules also apply, as laid down by the OFT in respect of debt collection, and that you, as a holder of a consumer credit license, are obliged to follow:

The areas of the OFT guidance which applies to you in this instance are:

Debt collection visits

2.12 Examples of unfair practices are:

 

a. not making the purpose of any proposed visit clear, for example, merely stating that collectors or field agents will call is not sufficient

f. visiting or threatening to visit debtors without prior agreement when the debt is deadlocked or disputed

Deceptive and/or unfair methods

2.8 Examples of unfair practices are as follows:

 

k. not ceasing collection activity whilst investigating a reasonably queried or disputed debt.

Please note you may also consider this letter as a statutory notice under section 10 of the Data Protection Act to cease processing any data in relation to this account with immediate effect. This means you must remove all information regarding this account from your own internal records and from my records with any third parties and credit reference agencies.

Please confirm that you have complied with my request under section 10 of the Data Protection Act.

If Power 2 Contact process or continue to process my information, then you will be complicit in the current breaches under the Data protection act. I am sure that Power 2 Contact will be aware of the penalties and fines involved.

I do believe this makes my position clear and unambiguous.

 

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Thank you so much for your reply. I will post this letter tomorrow. Does anybody have any opinion on offering a full and final settlement? What will happen to the debt in 18 months time when the default notice is 6 years old?

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Ok i have received another letter today. This one is from Credit solutions limited giving me the opportunity to save £££££'s and that i should give them a ring in the next 10 days to save lots of money by taking advantage of a discount offer on the outstanding debt or they will send someone to knock on the door. Should i just ignore them? Will they get a CCJ against me in the next 18months if ignore. THanks Slick244

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They cannot get a CCJ against you - they would need to produce the original agreement to do that and there is no agreement, just CrapOne's useless application forms and current T&Cs, which are as much use to them as toilet paper. Tell them all to Foxtrot Oscar and let the default fall off.

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