Jump to content
  • Tweets

  • Posts

  • Our picks

    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
      • 49 replies
    • 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.
       
        • Thanks
      • 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!
        • Thanks
        • Like

Link Financial investigation of assets


Please note that this topic has not had any new posts for the last 4050 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hi can anyone help? Yesterday i recieved a letter from Link Financial stating

 

"we have recently, without success, attempted to contact you with regards to your outstanding balance with us of £2351.20. Your refusal to deal with this matter has prompted our office to make an enquiry under the LAND REGISTRATION ACT 2002.

 

you are recorded on the PROPRIETORSHIP REGISTER AT HM LAND REGISTRY as holding a beneficial interest in the property xxxxxx. this means you may have a significant asset, one that can be used to enforce a county court judgement by way of a final charging order."

 

Firstly i dont know who Link Financial are as i have never heard of them/from them before. and secondly i have no idea what this debt relates to.

 

Any suggestions as to what i should do? there seems to be some very good advice and lots of helpful people on here. Ive only just joined today but there are a few things i will be posting over the next few days.

 

cheers :)

Link to post
Share on other sites

Hello and Welcome, long road.

 

I'd try the 'prove it' letter..................

 

Dear Sir/Madam

 

Account no:

 

You have contacted me/us regarding the account with the above reference number, which you claim is owed by myself/ourselves.

 

I/we would point out that I/we have no knowledge of any such debt being owed to (insert company name).

 

I am/we are familiar with the Office of Fair Trading Debt Collection Guidance which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.

 

I/we would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

 

Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

 

I/we would ask that no further contact be made concerning the above account unless you can provide evidence as to my/our liability for the debt in question.

 

I/we await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions.

 

I/we look forward to your reply.

 

**Edit to suit**

 

Remember, don’t sign the letter.

 

And send recorded.

 

 

 

 

Regards.

 

Scott.

  • Haha 1
 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Link to post
Share on other sites

I would first of all send them this to find out what debt they are on about.

 

 

Name/Address:

 

Date:

 

Dear Sir/Madam

 

You have contacted me/us regarding the account with the above reference number, which you claim is owed by myself/ourselves.

 

I/we would point out that I/we have no knowledge of any such debt being owed to (insert company name).

 

I am/we are familiar with the CPUTR 2008 and the Office of Fair Trading's Guidance on debt collection, which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.

 

I/we would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. AND in not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

 

Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

 

I/we would ask that no further contact be made concerning the above account unless you can provide evidence as to my/our liability for the debt in question.

 

I/we await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to Trading Standards and also inform the Office Of Fair Trading of your actions.

 

I/we look forward to your reply.

 

Do not sign the letter and send it recorded. It is not unusual for a dca to claim they have sent numorus letters in the first letter, this is to try to get you to call them where they can lie and bully you.

Edited by dcakiller
typo
Link to post
Share on other sites

hey thanks to you both, i will deffo send the letter out tomorrow recorded delivery WITH NO SIGNATURE lol. hopefully a few of the problems i have will be sorted out with the help on here.

 

cheers

Link to post
Share on other sites

you are recorded on the PROPRIETORSHIP REGISTER AT HM LAND REGISTRY as holding a beneficial interest in the property xxxxxx. this means you may have a significant asset, one that can be used to enforce a county court judgement by way of a final charging order."

 

Errrr, land registry will show an interest - there is no possible way it can show a 'beneficial' interest.

 

David

Link to post
Share on other sites

Probably never even looked in the Land Registry.

Just Link Farsical's feeble attempt to make you contact them.

Do you own any property, if not you know its bull plop.

If you do, then keep your eye on your credit file for any ccj's appearing without your knowledge

Link to post
Share on other sites

the funny thing is i have looked on my experian credit report and it says Link Financial £2351.20 satisfied ????

 

yup alf i do own my property but your right they are probably just clutching at straws.

Link to post
Share on other sites

Link Financial will have looked at your Equifax Credt file which will show details about your property, that is where they have obtained your property data;

Link Financial, thus will have gone onto the land registry website to confirm the details.

Link to post
Share on other sites

link are [EDIT] i cca them and they keep writing letters saying we are looking atn your complaint

find my cca or NO DEBT

Edited by Rooster-UK
Language.
Link to post
Share on other sites

I didn't know you could search the land registry, is it classed as a public record?

 

Sorry jdes26, appreciate you might be wound up but can you please refrain from swearing in your posts, thanks :)

:!: Activ Kapital 2009 - £316 debt cancelled due to no credit agreement

 

:!: TNC Legal Collections (Swinton) - £61 written off due to complaint being upheld with the FOS

 

:D Be Happy and treat people exactly how you would like to be treated

 

:mad: Don't let people take advantage of you and stand up for your rights and beliefs

 

:p You only live once so don't take things so seriously

Link to post
Share on other sites
I didn't know you could search the land registry, is it classed as a public record?

The Land Registry https://www.landregistry.gov.uk/wps/portal/Property_Search will give information such as price paid for property, property prices now, mortgage lender etc.

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

Link to post
Share on other sites
The Land Registry Land Registry - Land Registry will give information such as price paid for property, property prices now, mortgage lender etc.

 

Thanks

:!: Activ Kapital 2009 - £316 debt cancelled due to no credit agreement

 

:!: TNC Legal Collections (Swinton) - £61 written off due to complaint being upheld with the FOS

 

:D Be Happy and treat people exactly how you would like to be treated

 

:mad: Don't let people take advantage of you and stand up for your rights and beliefs

 

:p You only live once so don't take things so seriously

Link to post
Share on other sites

thank you all for your advice, it makes it a bit less stressful with all your kind help. i have posted the letter off (i think it was the first one in the thread) and i will wait to see what happens, posted it registered as well as suggested.

 

cheeeeers

Lee

Link to post
Share on other sites

i most certaily will, oh on another note......is it too late to claim back my charges from abbey or shabbey as ive seen there called on here from 2002 onwards? ive read a few posts and i have never even thought about it before now.

 

cheers

Lee x

Link to post
Share on other sites
i most certaily will, oh on another note......is it too late to claim back my charges from abbey or shabbey as ive seen there called on here from 2002 onwards? ive read a few posts and i have never even thought about it before now.

 

cheers

Lee x

 

Never too late, they may not release accounts back that far though - if the bulk of your charges are from that period you can be pretty sure they'll only supply 6 years of data and that'll only come after a mountain of reminders from you

 

Get that SAR in the post as soon as you can, never know it might pay for Christmas (2011) :p

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...