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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
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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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Global Dept Recovery Update.....


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Still been harrased by this bloody awful company,

Last week they sent me a letter informing me that they was willing to take a payment of £189.00.

Ignored that has it seems as if they wanted me to contact them and would be admitting an dept. So this week I have just received from them as follows.

 

Dear Mr Name.

We write to inform you that we now have authority from our client to proceed with litigation. Following any county court judgement being recorded against you, fixed court fees and solicitors costs will be added, which will significantly increase your dept. Upon judgment being entered, the following choices of action are available to enforce payment.

 

BAILIFFS WARRENT:

The bailiff may remove goods from your home to be sold towards settlement of your dept.

 

 

ATTACHMENT OF EARNING ORDER:

A court order may be instructing your employers to deduct money from your earnings before you receive it.

 

 

ORAL EXAMINATION:

You may be ordered by the court to attend a hearing and given full details of your financial circumstances. Giving false infomation or refusal to appear may result in a severe penalty.

 

 

BANKRUPTCY PROCEEDINGS:

You may in certain circumstances be made bankrupt. We are now preparing your case for litigation. However, if you telephone us on 0208 336 7024 before 03/02/10 and arrange repayment of the dept, we will consider suspending any legal action.

 

 

Yours sincerely

 

 

Squiggle of an signuture

 

 

Litigation manager

 

 

Is this just an bog standed threat sent out when they are getting no where with an alleged debtor. Or is it time for me to contact them, Considering they have never proved I owe this dept or told me what this dept is about considering this is statued barred as its more then six years old they really have some nerve.

Edited by ukbigd

Of course prostitutes have baby's, Where do you think DCA staff come from...............

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Don't bother to reply. It's the normal threat o gram. No need to answer anything unless you get a court summons. They probably know they are stuffed cos they are offering a reduced settlement.

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Their have been granted authority to proceed with litigation - Whoppee!! To do that successfully, and to even start dreaming of taking the acion they have so thoughtfully set out in their letter, they would have to show a judge documents that proves the debt exists, they have the right to collect and details of how they came to the figure they are demanding.

 

If you have asked for this rather important information in a proper way - a cca s77/78 agreement request - and they have ignored it then that provides you with a complete defence to any legal action they might take. They, and/or their client, might face a claim for costs if it goes the distance.

 

Presumably they have advised their client of this eventuality.

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Thanks for your advice.

 

I am going to send this following letter off to them tomorrow.

 

 

Dear MS S Rallinson,

Mr J Bunyer,

Mrs C Bunyer

 

Global Dept Recovery Ltd

66-70 Coombe Road

New Malden

Surry

KT3 4QW

 

Acc/Ref No :00000000000

 

Ref No : 00000

 

RE: REQUEST FOR INFORMATION

 

I have received from you a threat of a Court claim by your Company. To enable me to file a defense and counter-claim, I require specific information regarding the account to be provided forthwith.

 

Given that this matter is now to be a subject of legal proceedings, you are obliged to disclose under the Civil Procedure Rules, the information and documents detailed below.

 

The information must be furnished by the 05/02/2010. If you fail to comply, this will be reported to the Court, a copy of this letter will be provided as evidence to the same and an Order enforcing your compliance will be sought.

 

IN RESPECT OF EACH ALLEGED DEBT CLAIMED, I REQUIRE:

 

1. A true copy of the executed credit agreement and any terms and conditions that applied to the account at the time of any default and at the time the account was opened.

 

2. All records you hold on me relevant to this case, including but not limited to:

a. A transcript of all transactions, including charges, fees, interest, repayments and payments and both the original amount of the loan and any repayments made to it the account.

 

b. Transcriptions of all telephone conversations recorded and any notes made in relation to telephone conversations by your company, or by any previous creditor

 

c. Where there has been any event in my account history over this period which has required manual intervention by any person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my account.

 

d. True copies of any deed of assignment and/or default notice with a copy of any proof of postage that you hold.

 

e. Documents relating to any insurance added to the account, including the insurance contract and terms and conditions, date it was added and deleted (if applicable).

 

f. Details of any collection charge added to the account; specifically, the date it was levied, the amount of the charge, a detailed financial breakdown of how the charge was calculated, and what the charge covers.

 

g. Specific details of the fees/charges levied by any other agency in respect of this account and a detailed breakdown of said fees/charges and what each charge relates to and on what date said fees/charges were levied.

 

h. A genuine copy of any notice of fair use of my data as required by the Data Protection Act 1998

 

i. A list of third party agencies to whom you have disclosed my personal data and a summary of the nature of the information you have disclosed.

 

j. A copy of all account statements for the duration of the agreement.

 

3. Any other documents you seek to rely on in court.

 

4. A copy of your complaints procedure, as required by the Consumer Credit Act 2006.

 

I must advise you that if the information is not forthcoming, it will be reported to the Court that you are trying to frustrate proceedings and denying me the opportunity to file a defence and counter claim.

 

 

Yours Sincerely,

Of course prostitutes have baby's, Where do you think DCA staff come from...............

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And this one, Just for good measure:

 

26 January 2010

 

 

Global Dept Recovery Ltd

66-70 Coombe Road

New Malden

Surry

KT3 4QW

 

Dear Sir/Madam

 

Acc/Ref No :000000000000

 

Ref No : 000000000

 

This letter is a formal request pursuant to s.77/78 of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide.

 

I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request, the provisions of s.77 will apply.

 

If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties.

 

Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection from Unfair Trading Regulations 2008 (CPUTR).

 

I enclose a postal order in the sum of £1.00, which is the statutory fee. Note that these funds are not to be used for any other purpose.

 

If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee.

 

We look forward to hearing from you.

 

Yours faithfully

 

 

See what they have to say to these letters.

 

LOL, It might shake them up and make them think its not even worth trying to pursue this claim

Of course prostitutes have baby's, Where do you think DCA staff come from...............

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No need to send the first letter, you haven't received a claim yet. They would just ignore it. But the second letter is definately the one to send. Make sure you send it recorded so you have a record it has been sent and, more importantly, received.

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Nailpost, thank you for your input, Have you read the first letter has I have amended it from the original letter template.

 

"I have received from you a threat of a Court claim"

 

Been added rather then the taking me to court letter

 

And this one :

 

"Given that this matter is now to be a subject of legal proceedings"

 

I Have decided to show them that We are not all idiots and some of us will try to use the same tactics on them, Its called a double bluff.

 

I Know they are bluffing, And soon they will know that I know that they are bluffing,And more to the point they will know that I know that they know that they are bluffing.

Of course prostitutes have baby's, Where do you think DCA staff come from...............

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  • 1 month later...

Well they have not been forth coming with the prove of dept with the standard template I sent them with the quid postal order, But.............

 

I got this reply yesterday: Dear Mr............. Our client has instructed us in respect of the above account and we would appreciate your assistance by calling our information section on: 0208 336 7002

 

So they have not given me any information even though by law they had to. And was given so many days to do so,

 

I do not intend to phone them and I am considering sending them a letter in return informing them that I under advice have no intention of phoning them and all correspondence will be by letter so I have a paper chase to follow and have any and all contact with them in black and white for my records..

 

What do you think they are up to now by not supplying me the information and sending me a letter trying to coax me into phoning them.

Of course prostitutes have baby's, Where do you think DCA staff come from...............

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dear sirs,

 

I refer to your letter of XXXXXXXXXX

 

unfortuneately i think the postman may have dropped the letter as it has a strong smell of bovine excreta about it

 

Perhaps you would care to write to me again and adjust your text to reflect the fact that i may have more brain cells than you give me credit for

 

Yours sincerely

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What was the outcome?

I have global writting to me claiming I owe money to compaines I have never had any dealings with both are cetainly over 6 years old as anything after 2000 was part of my insolvancy.

I like the second letter template would you recomend I use this rather than the standard prove it letter?

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What was the outcome?

I have global writting to me claiming I owe money to compaines I have never had any dealings with both are cetainly over 6 years old as anything after 2000 was part of my insolvancy.

I like the second letter template would you recomend I use this rather than the standard prove it letter?

 

I'd ignore them and carry on ignoring them to the point of them taking you to court then you can have the last laugh knowing that they have wasted their time and money bringing about litigation which they had no chance of winning considering it was included in your insolvency.

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

 

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17 Port & Maritime Regiment RCT

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And keep all letters as it maybe needed as evidence because they cannot enforce payment as they say until you default on a CCJ.

 

PF

If I have been of help to you please feel free to click my scales to the left Thanks.:)

I have no legal training and the advice I offer is what I have learnt here and offered as a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

 

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 

CARTER V Co-Op

BANK CHARGES

REFUNDED £3567

 

POMPEYFAITH V Co-Op PPI

OFFER MADE BUT REFUSED

ONGOING AND STILL ONGOING

NOW WITH THE OMBUDSMAN

 

R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

 

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would they actualy bother to take me to court

 

Its taken me 4 years to rebuild me credit file and I am now only just able to aquire credit with a clean credit file, well defaults but all marked as satisfied.

I have no intension of paying Global anything but for piece of mind actualy want to know if indeed these debts are mine.

Since 1999 I have been on the electoral register at all address I have lived at and Credit expert say that there are no logged defaults with either of the 2 companies Global claim I owe monies too

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cerberusalert

 

When I went Insolvent I had no idea of these 2 debts Global claim I owe

So they were never included in my bankruptcy

does this make a difference if Global intened to persue the debts they have obviously bought on the cheap.

I new nothing of them before I got the letter from Tower and called them last week and got the letters today

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cerberusalert

 

When I went Insolvent I had no idea of these 2 debts Global claim I owe

So they were never included in my bankruptcy

does this make a difference if Global intened to persue the debts they have obviously bought on the cheap.

I new nothing of them before I got the letter from Tower and called them last week and got the letters today

 

It doesn't matter, your bankruptcy would have been advertised in the London Gazette & probably local paper inviting creditors to register a claim by a certain date, if the failed to do so they cannot claim at a later date. If you want to you can write to Global telling them to go forth and multiply quoting your insolvency reference number. ;0

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

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is their a template letter I can use refering them to my bankruptcy?

 

Would make it more offical than just sending a letter with my case number

 

I would hope that the draft letter points out details more or less telling them its tough

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or just write F**K Off on the letter and put it back in the post!!

 

 

It would make interesting reading what their response to a reply like that would be.

 

I wonder how many people are actualy paying Global money for debts that are barred and older than 6 years old, sold on the cheap by banks.

 

I hope that after I send a letter reffering them to my bankruptcy that they continue to write

 

I will then send copies off the letter I sent them along with a letter of complaint to the relevent complaints company

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  • 1 month later...

Well here is an update since last letter received From global, I have heard nothing from them, I did not send any letters regarding last one asking me to phone letter was dated 12 march,

 

So that's nearly two months. Mind you I don't blame them, I sent the letter to one of the directors using her actual name rather then the post box they gave has their address.

 

And with the template I got from here they must have figured I had done my research and my next letter was going to be the statued barred letter

 

So I hope thats the end of the **** sucking antics regarding myself. So thank you one and all for your much needed advice and help......

Edited by ukbigd

Of course prostitutes have baby's, Where do you think DCA staff come from...............

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