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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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    • 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
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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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Just had another e-mail from them wanting me to call them, to discuss my proposal. I really don't want to discuss it over the 'phone. Can I tell them that?

 

Plus they have added a £55 so called 'fee' and another £50 in interest!!!!!:eek:

 

Would the best move be to put this into dispute to stop the interest and charges?

 

Thank you :mad:

Edited by PlumFairy
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Another day another e-mail....... More interest......... apparently I'm ignoring them (I wish).

 

Won't accept my offer and wittering on about DCAs.

 

They finish by saying that they want me to make payment to show my intentions....... I'm trying too, it's them that are being obstructive and i refuse to call them! :-x

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how much did you owe them before you defaulted ??

 

I think the origional loan was for £450. It is now up to about £600 in two weeks!. They can whistle if they think they are going to get that !!!!!

Edited by PlumFairy
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These people need a lesson in English. Only want to communicate in writibg means just that, so asking to speak to me, no matter how much you want to hear my voice - it isn't going to happen!!!

 

E-mail about frustrating my attempts to resolve the matter winging it's way I think!

 

Oh and if it did ever go to court, I'd like to see them explain the fact that in about two weeks the amount owed has doubled :eek:

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Recieved another letter yesterday wanting me to contact them.

 

I've e-mailed back.

 

Anyone got any padding? My head is bgining to hurt constantly bangin it against this brick wall!!!!!

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:???::???:

 

Was about to hit send and realised that they have included this bit.....

 

Please can you advise us what specifically has changed in your circumstances since you commenced your loan with us on XXXX and how that has affected your ability to repay the contracted amount on the due date. Please note that we may required documentary evidence of any change in circumstances.

 

Any help on how to respond would be greatly appreciated.

 

Can they ask for this info? and if so, what should I give them?

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That wasn't in my wonga emails, but I wouldn't send them anything, just explain why through email.

 

Have you asked for the charges/interest to be frozen? I did and they stopped it so it's worth a shot if you've not done it yet.

 

I've agreed a repayment plan and I've got their bank details for a standing order so it takes time to sort out but they eventually listen!

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That wasn't in my wonga emails, but I wouldn't send them anything, just explain why through email.

 

Have you asked for the charges/interest to be frozen? I did and they stopped it so it's worth a shot if you've not done it yet.

 

I've agreed a repayment plan and I've got their bank details for a standing order so it takes time to sort out but they eventually listen!

 

Yep I did that first. Going to send the next one by post I think, then there is no denying that they have got it.

 

What gets me is the threats to damage my credit file...... Lets face it if my credit file was in good shape I wouldn't be borrowing from them in the first place :roll:

 

Think they are still playing hard ball with me as it's only been a couple of weeks since default.

 

Did they put in writing that they were freezing interest?

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What you need to do is inform Wonga by email that you are now going to Trading Standards and the OFT as they have failed to answer the correspondence you have sent them offering to pay - and this is what has substantially changed and that by the same emails you have provided " documentary evidence of any change in circumstances"

 

Really these people seem to live to create a 'default' situation that cannot possibly be remedied, perhaps you should also remind them that any default notice should give you 14 clear days (NOT INCLUDING WEEKENDS AND BANK HOLIDAYS) to remedy any IMMEDIATE default arrears amount BEFORE they go for the whole amount.

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What you need to do is inform Wonga by email that you are now going to Trading Standards and the OFT as they have failed to answer the correspondence you have sent them offering to pay - and this is what has substantially changed and that by the same emails you have provided " documentary evidence of any change in circumstances"

 

Really these people seem to live to create a 'default' situation that cannot possibly be remedied, perhaps you should also remind them that any default notice should give you 14 clear days (NOT INCLUDING WEEKENDS AND BANK HOLIDAYS) to remedy any IMMEDIATE default arrears amount BEFORE they go for the whole amount.

 

Not actually had a default notice yet and no charges, so can't put them into dispute, just the interest.

 

Will e-mail them then instead of sending letter.

 

Can I still go down the TS and OFT route as they say that will discuss it but by 'phone no matter how many times I say that I want to keep everything in writing. Could this be their way of wriggling out of any complaint put in?

 

Could I also make a point of their 'please make payment to show your intentions' comments as they are really annoying. I want to yell back.... I'M BLOOMIN' TRYING TOO!

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  • 2 weeks later...
Another letter to say call them.

 

Someone has their finger stuck on the template and send button I think AAAAAAAAAAGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGG

 

For me, it took about 5 or 6 "in writing" emails before they finally stopped sending template letters and I started to talk to a real person, then he asked me to call in every single email he wrote. He finally gave up and the account was discussed via email, so I guess you'll just have to live with their stupidity for a bit longer yet.:x

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Hi Plumfairy

 

I have just joined because I have a loan with Wonga,which I defaulted on 22/9/2009. I got emails from them saying they had misjudged their trust in me and are really concerned that my credit file is going to now be darkened. So, after getting no where with them - they ignore your emails of repayment offers etc, only ONCE you let them know you have contacted the OFT (or so it seems.) I emailed the OFT because Wonga siphoned £188 out of my bank account, despite my stating that I was having financial problems......they were only compounding the problem by doing that. When OFT replied I forwarded their email to Wonga and then Wonga replied to my latest repayment offer. I am still pursuing the money they deducted as my argument is that they could have accepted my original repayment offer made at the beginning. Instead, after several harassing emails/letters, and extracting money from my account, they seem to have suddenly become a bit more human (probably thanks to the OFT).

 

Try the OFT as I did.

 

;)

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