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    • In August 2018, I took out a 2 year contract with Virgin-pay monthly with handset included and payment by DD.   Everything went fine until February 2020 when a new second DD appeared for £6 with a number that I did not recognize-as it was clearly a mistake, Virgin refunded the £6, I cancelled the DD.   In March 2020 the DD amount had been added onto my main account as a second line with handset. There were now also details of a loan in the amount of £204 for purchase of the handset. I asked for details of this handset-what type it was, where it had been sold, any evidence that I had purchased it, any documents with my signature on. Virgin's reply was that 'I had bought it at my local store'(they couldn't specify which one) and that the fact I had a handset(I have not received anything) was proof that I had signed to this.   In April I put in a SAR request for any documents showing that I was responsible for this. It took until June for a reply(I was generous with them because of the coronavirus) when files were sent, but there was no password included to actually access the files.  Repeated requests for it got nowhere and in August the contract terminated and I moved to 3. However, Virgin still had me registered as a customer on a second line and are attempting to take money out via DD which is now showing as a failed payment. They also have a default on my credit report for the £204.   I repeatedly requested the password but this was not supplied, Virgin stating that they had fulfilled the SAR by sending the files, whether or not they could actually be accessed.    Finally on 29/9 I was promised the password would be sent to me by text message within 3-5 working days. When that didn't arrive, I was told once again that they had fulfilled the SAR and that if I kept asking for the password, the SAR would be rejected as 'repetitive demands'. Then I was told they would supply the password, but it would take up to 30 days.    Today I have been told that my SAR has been rejected(no reason given) and that they only have to supply data from the last 3 months.    I am desperate to get this removed from my credit file, Virgin have provided no evidence, refusing SAR requests(sent by email and mail) and are now in breach of GDPR for failing to provide the data in a timely manner.   Any help on what my next step is to proceed will  be muchly appreciated!     
    • Even Bernard Jenkin of all people is saying that Dido should go, that was quite a surprise this morning in the Guardian.
    • Over 832k signatures on End child food poverty - no child should be going hungry Gov petition   https://petition.parliament.uk/petitions/554276
    • Send the SAR again registered post they have to reply. If they don't a Solicitor's letter will be the quickest way to remedy that. Glad you got the apology letter, keep safe with your Swift paperwork. A Solicitor will be able to point you in the right direction during this process of how best you can tackle Swift. Please come back to update.
    • hi.  i think they will be able to say manifest error that the markets stipulated some interest payment.  but the amount depends on central banks / libor rate ect and the amount of currency held and the length of time held. but they have deducted far too much so i am just wandering what sort of breaches i could write in the poc   thank you
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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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yes car credit and go debt...


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we are being harassed by go debt, we had a car back in 2002/3... we gave it back, yes cc said we will take it back as you have paid over half,and you will owe nothing else... go debt have been trying to get money out of us for the last 2 yrs or so...yesterday someone phone saying they was coming out with litigation papers. whatever thay are???? .. anyway he said he would email me the origianl contract first thing this morning then he would phone this afternoon ... no email yet.... no phone call yet....what do i do??

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first thing

as its yes car game over

there agreements are total crap so relax and enjoy the ride

 

when was the car sent back

month and year

when was the last payment made

month and year

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looking for it... he said he would email mea copy this morning.. not got it yet... he was going on about all these insurances we had with it.. i dont remember any...

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please do

 

they are keen arnt they

 

if they phone in the next hour

 

tell them to call again about five to give you chance to go over the paperwork

 

THIS IS IMPORTANT

 

UNDER NO CIRCUMSTANCE ARE YOU TO ACKNOWLEDGE THIS DEBT IN WRITING OR MAKE AN OFFER OR PAYMENT

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This Is Complicated For You

Print Out That Email

When You Get The Email, Ill Ask Some Questions

Just Answer Yes Or No

 

By The Way

 

Ill Be Surprised If They Have The Agreement

As We Speak Go Debt Are Prob On The Phone To Daf Trying To Locate The Agreement

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On The Right Hand Side Of The Agreement Under The Insurance Bit

 

Has Any Trade In Or Deposit Gone To Be Paid As A Deposit On The Insurance,ppi Etc

 

What Ime Looking At Is Any Deposit Trade In Has Gone On A Down Payment On The Insurance And Not The Car

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On The Right Hand Side Of The Agreement Under The Insurance Bit

 

Has Any Trade In Or Deposit Gone To Be Paid As A Deposit On The Insurance,ppi Etc

 

What Ime Looking At Is Any Deposit Trade In Has Gone On A Down Payment On The Insurance And Not The Car

 

yes £250 down payment...

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WHEN GODEBT CALL AGAIN ASK HIM FOR HIS DIRECT EMAIL ADDRESS AS YOU ARE SENDING HIM A DOCUMENT

 

Send By Special Delievery (important) To GODEBT

As Well As Your Request For The Default Notice And Notice Of Assignment Tell Them This

 

after Having An Audit Of My Agreement , I Have Been Informed The Agreement Can Not Be Enforced

 

any Deposit Or Trade In Has Been Used For The Ppi Insurance, Not For The Purpose Intended.

as A Result The Agreement Is Unenforcable

 

if You Maintain The Agreement Can Be Enforced, I Will Have No Allternative To Turn The Matter Over To A Firm Of Solicitors Called Stevensons.

 

as You Have Had Prior Dealings With These Solicitors, Costs Now Become An Issue

 

i Expect Your Reply With In 14 Days

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