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    • When it comes to animals my heart is just shallow. Sorry to hear that.
    • go back and read what andyorch said in my above links about a DEED of assignment NOT being a Notice Of Assignment. its a general document for a portfolio of MANY debts they bought on a spreadsheet, NOT specifically relating to YOUR Agreement. but your was like all others, a single line in a spreadsheet.    the sheriff has specifically asked for the NOA and the Default Notice ...neither of which the fleecers have provided, merly a load of ole twaddle like trump does to divert attention away from those NOT being provided.   forget the stuff about LOP 1925 etc that a NOE is NOT applicable in scotland , the sheriff has asked for it..end of!!   bedtime reading particularly regarding default notice sec 87 https://www.consumeractiongroup.co.uk/forum/showthread.php?484300-Cabot-nolans-SPC-Claim-Old-Next-CAT-Debt(2-Viewing)-nbsp&p=5119630#post5119630   read from about post 70.   as for the written submission. i'll find an example later.   dx      
    • Plevin is not a calculation. its a refund of commission they got as they had a backhander of greater than 50% of the PPI sum paid for selling it on behalf of the insurance company that underwrote the PPI policy.   you are after reclaiming the PPI itself. and that is what all our PPI stuff is geared too.   have you still a copy of what you originally sent though as you don't even KNOW what plevin was , how could you have ever have asked for it.!!   pers i'd write back. (you seriously need to stop talking on the phone!!) stating quite clearly that you REJECT totally their refund under the Plevin Rules. my Claim was to reclaim the PPI a paid, not for a refund of your hidden commission!!   i give your 14 days to refund inline with the enclosed spreadsheet , else i will raise a complaint without further notice to the FOS.   please reply in Writing Only.            
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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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An AMEX Action Group?


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There seems to be growing body of evidence that a proportion of Amex conduct and procedures, whilst being distasteful, might also be unlawful and possibly even illegal. I personally have had more than enough of their BS and arrogance and feel that it is time to go up a gear.

 

Setting aside the issues common to all the lenders and focussing upon Amex's distinct conduct and business model, it strikes me that a lobbying exercise, targetting politicians, media and regulators might make some headway.

 

Any other 'victims' agree? If so, can you link your thread into this thread below so we can gauge the, er, 'weight'.

 

My thread is here.

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  • 4 weeks later...

Aplogies for the delay in replying. Currently gathering evidence re: my own predicament and will return to this subject very soon. Have contacted a couple of journos who may be interested once I've done a little more leg work!

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I thought we already had an Amex action group on CAG..............:rolleyes:

 

They seem to lose a lot.........and their methods very simple to out-wit, especially if they use those Muppets' in Maidstone.

Whilst I do not for one minute play down the importance and benefits of CAG, it does not (at least as far as I am aware) lobby our political masters nor the 'fourth estate'. So much of Amex conduct seems to be underhand and dishonest that I would like to see their profile raised on our terms rather than theirs.

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We are getting very cross on this thread about our 'political masters' not doing anything and want to lobby. Not just Amex, obviously, the whole bloody system.

 

Yet Another Suicide through Debt

 

The people who take their own lives aren't the feckless, they are the ones who are in this mess due to changes in circumstances and then the appalling behaviour of companies including Amex.

 

The issues are on that thread, but are basically charges, charges, charges....... on those who can't afford them so get more and more in debt.

 

We would like to lobby so any ideas would be good.

 

DD

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  • 2 weeks later...

A well publicised victory on securitisation (see the thread Well Amex declines to answer Securitisation Question) in the UK could give more than a bloody nose! If it were proven they did not have the right to ask for payment after selling off their rights through securitisation in the US (assuming they ever had the right in the UK/Europe!) and they knowingly have continued to seek payment it's fraud isn't it (I realise this will be no surprise to many!)?

 

I have recently had my eyes open to the deceit and underhand tactics referred to in this thread. The oh so clever wordings of the sols letters. Quite incredible. I am not surprised people who are uninformed decide to kill themselves with the pressures that are placed on them through companies like this. It's so sad and a total outrage.

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A well publicised victory on securitisation (see the thread Well Amex declines to answer Securitisation Question) in the UK could give more than a bloody nose! If it were proven they did not have the right to ask for payment after selling off their rights through securitisation in the US (assuming they ever had the right in the UK/Europe!) and they knowingly have continued to seek payment it's fraud isn't it (I realise this will be no surprise to many!)?

 

I have recently had my eyes open to the deceit and underhand tactics referred to in this thread. The oh so clever wordings of the sols letters. Quite incredible. I am not surprised people who are uninformed decide to kill themselves with the pressures that are placed on them through companies like this. It's so sad and a total outrage.

 

I could not agree more, excellent point!

 

They can be beaten though......... and their tactics easily exposed, sadly they try all their tricks then withdraw in a lot of cases when they know they will lose of course.

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Your comments make me wonder if it is possible via the legal process to prevent Amex withdrawing from a claim they have made e.g. in the case of a counter claim would a withdrawal require the permission of the counter claimer for the claim to be dropped? I am sure there would be defendants or claimants posting on this forum who would be willing to use their case as a vehicle to try and flush out the truth on securitisation if properly supported. The publicity following a victory, if well targeted, could be extremely damaging and more to the point help many people.

 

If they (Amex) and Brachers on their behalf continued asking for payments they KNOW they (Amex) have securitised in the US and given away their rights to collect but they keep asking for payment it’s fraud isn’t it?

 

My layman’s understanding of the Fraud Act 2006 (which may not be up to date!) is that if someone seeks to enrich themselves or another by making representation they know or think may not be true, it is in breach of the act. Hopefully I haven't distracted people from the wider thrust of this thread.

Edited by Hungryforinfo
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