Jump to content
  • Tweets

  • Posts

    • Once it is confirmed that you have the judgement, then you should get it enforced by the High Court enforcement officers. This means that you will have to go to a HCEO website, and begin the process. It will cost you £66 to have the County Court judgement converted into I High Court judgement and then an order to HCEO to enforce the judgement. You will need to double check that if they are unable to enforce it, that you won't be responsible for the fees. It is standard nowadays for the defendant to be responsible for enforcement fees and if the enforcement fails, then HCEO have to absorb the costs themselves. However you should just check that this is the case when you begin the transfer up process. (Transfer up is where the judgement is sent up to the High Court for enforcement). Enforcement this way is available for any judgement more than £600. High Court enforcement is very vigourous and is the best way forward. However, it is at the enforcement point where you will start to learn whether the defendant exists/has assets/is at the address which you used for the claim/all sorts of other ways that they escape.  
    • Finally the Charge has been taken off after having  to chase them again, because it was still showing on their payment site till yesterday. Thanks for all the advise and help. I have made a donation too and hope this helps in helping other people. 
    • Yes, you don't get a free motorcar. At the end of the day, you have to find yourself in the position that you would have been had the contract gone ahead. That means that you made a contract for a vehicle of a certain value and if goes well, you walk away with that expected value in your pocket.
    • as you've no doubt read in other gym threads ( i hope??)  here any adim fee is a 'penalty' and is unlawful.   dx  
  • 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

Unenforceable Loan Agreements - Frustration!!! Please Advise.

Please note that this topic has not had any new posts for the last 3829 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 All,


I hope I have posted in correct section.


I have been using Credit Issues Limited to see if they can check if my loan with Northern Rock is unenforceable.


They have been looking into this since Sept 2008. Northern Rock started to play fair when asked for info but then started to be awkward when approached about the unenforceable agreement.


The person I was dealing with at Credit Issues started to negotiate with Northern Rock about writing off 75% of the remainder of the loan for which Northern Rock apparently agreed to verbally.


Then my contact left Crdeit Issues. I chased them several times and I have just received a letter stating that there is nothing else they can do and have passed onto a 3rd party company (forget who).


My contact at Credit Issues stated that they were proceeding along the route of the rate stated is not what they are charging.


Do you think I should try to do this myself or do you think there is nothing else I can do.


Advise would be greatly appreciated.


Many Thanks

Link to post
Share on other sites

Hi if you haven't yet, send off for a CCA with £1 post order and do not sign. Send recorded delivery. http://www.consumerforums.com/resources/templates-library/86-debt-collectors/581-cca-request-letter

If and when you get a reply, post here, minus all personal details and then you will get free advice on your best action.

Link to post
Share on other sites

Thanks for your replies. Ive been in contact with Credit Issues and they are sending a refund of monies paid to them.


Now lets start the ball rolling!!!


Im going to need all the help I can get !!!


I have 2 credit agreements that Im going to test the water on. Northern Rock and Barclays!


So 1st things 1st do I send off a £1 standing order not signed with covering letter!?

Link to post
Share on other sites
  • 4 months later...

Hi All,


Im just getting round to sorting this. Barclays owns one of the debts, do I address it to Head Office or do you guys have a better address?



Link to post
Share on other sites



Many Thanks for this, but I think Adrian has left the company. I will send this to head office at 1 Churchill Place.


Thanks again

Link to post
Share on other sites
  • 3 weeks later...

I now have the reply from Barclays, but for some reason when I scan it into my computer I cannot open it with any other program to edit my details out!!!


Can any one help please? I have it ready to email.



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

    No registered users viewing this page.

  • Have we helped you ...?

  • Create New...