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    • This was why I was rejected the full amount:  
    • I haven't sent them anything, is there a way to retract this? (in relation to me adding more info)   I am also unable to upload the PDF as I do not have a way to redact any personal information, however the defendants are as follows:  
    • Its just come to my attention that a friend has been getting pressure from a company called ACT credit management. They are collecting a debt on behalf of a service provider.  My friend has been pressured to pay far more than they can afford and I've suggested that they request an income and expenditure form. This has been sent but insists on evidence for all about goings. Bank statements etc. Can they legally insist on this evidence.   I'd also like to know if it reasonable to request details of the debt. it wasn't  credit agreement it was for an essential service that should have been paid when the invoice was presented. I'm not convinced that the original cost was fair.    Thanks in advance
    • Sorry, but we need to see the entire claim form in PDF. Scanned. I'm particularly interested to see the description of the parties. Also, I notice that you said that you would provide further details of your claim. This was unnecessary – and probably you shouldn't have done it. Have you sent them something now?
    • Its new Premium account costs £15 a month and comes with features including phone and travel insurance. View the full article
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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
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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.
       
      • 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!
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My son has a loan with Welscum and it has been managed through PayPlan. He sent a letter to WF in mid July claiming for mis-selling of PPI and has had two letters from them asking for more time. Last week he sent them a second letter giving them 14 days to respond or he would refer to FOS. He has spoken to PayPlan and wants to stop his DD until the situation is resolved, however PayPlan has stated that they can't put a hold on the payments unless there is a ruling from FOS. Is this correct? bearing in mind the possibility of WF going tits up if these payments are not stopped there a chance that this could go on and on if some mug does buy WF debts. Is ther a template letter to send PayPlan or could he just write to WF saying as they haven't responded to his complaint he is ceasing payments until this is resolved and copy PayPlan. Any advice would be appreciated.

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PayPlan and cccs are paid by the finance industry therefore they will continue to make payments etc

 

If this account is in dispute then you can either let it run its course through the complaints procedure or ditch payplan and go it alone

PGH7447

 

 

Getting There Slowly

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Advice is given freely but is in no way meant to be taken as Gospel:-)

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Welscum asking for more time?! Ha thats funny cos if you said to them you need more time to pay you....you know what the response from them would be!

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Hi

Does anyone know what I should do? My account is in dispute and welcome have put arrears on my credit files. I had a row on my doorstep with the accounts manager who kindly paid me a visit, and told her they were not allowed to do this as I had put the account into dispute in September. The arrears are still on my credit files - I have posted notes on the credit files, but can I do something as welcome shouldnt be doing this whilst the account is in dispute?

 

Any help appreciated.

 

Electrik

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My son has made a formal complaint to the FSO last week but received a response from Welscum on Friday as follows ' i have investigated the issues raised etc. Although we do not agree with your assertions (that the PPI was mis-sold) I have as a gesture of goodwill decided to refund the full PPI policy plus associated 8% statutory interest to you in full and final settlement...' It then goes into the amounts and states that if he accepts the offer to complete enclosed acceptance form. Now I maybe not well versed in the law but surely if they are willing to pay everything back including statutory interest isn't this admitting they they are wrong and therefore the agreement is non-enforceable. The amount plus what he has already paid virtually cancels out the debt so this isn't about the money so much as kissing their sorry ar##s goodby. Should he sign the acceptance form or let it run the course with FSO?

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write back and say thanks but unless the debt is cleared in full then the complaint still stands

PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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Thanks PGH7447, we would love to do just that as the figures they have used just don't stack up. I don't have access to a scanner at the mo so i'll copy what they are. Original loan July 2008 £2000 PPI & Personal Accident + lifecover 24 £1340.94 total credit charge 3162.82 which is interest £3087.82 plus acceptance fee £75 Interest rate 60.1% Monthly payment for 36 months £180.66 In July 2009 he was told that the outstanding amount at start was £6503.76 less payments made £1351.82 charges and fees £76.03 Gross outstanding balance £5227.97 The letter received last week states they are offerring £989.77 refund which is £930.34 PPI plus interest of £199.97 and statutory interest @8% of £73.32 Deducted from this is £213.86 for 'partial insurance rebate' I just can't make any sense of their figures and would have thought that all insurances should be rebated not just what is stated as PPI. Although we wanted to play by the book and be reasonable I now feel I would like to get this loan deemed unenforceable cos frankly they are getting me really peed off. If we leave it with the FSO any thoughts of a likely outcome? Thanks to all for the advice

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ceebee, I'm also not happy with the figures I've received from Welcome. They told me I also had a rebate when I re-wrote the loan. I have no record of this, I don't even have a copy of the second agreement as at the time I thought I was just arranging to make lower payments, not taking out another loan!

 

My complaint is with the FOS. I received the offer from Welcome in August, but I've told the FOS I don't agree with the amounts. I got a letter in October saying I should have an adjudicator in December.

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I would ask them to reconsider and pay CONTRACTUAL interest not 8%...

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

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All The Fos Claims Against Welcome Get Up Held

 

On Top Of This Two To Three Hundread Pounds Comp Ggets Paid Also

 

Welcome Are Well Aware On The Legality On These Rip Off Insurance

 

My Advice Would Be Sign Nothing Until You Have Posted Up Your Agreement Etc

 

How Old Is The Loan

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What is contractural interest please? To postggj the loan was taken out in July 2008. Having looked through a couple of web sites with interest calculators using Welscum figures and they are completely different, it seems to me that they add 60% per year at the start.

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