Jump to content
  • Tweets

  • Posts

    • https://www.consumeractiongroup.co.uk/topic/408156-cabotnolans-spc-claim-old-next-cat-debtclaim-dismissed/page/4/#comments https://www.consumeractiongroup.co.uk/topic/404240-arrowshoos-spc-old-newday-aqua-credit-card-debt-claim-dismissed-no-dn/page/4/#comments default notice win  https://www.consumeractiongroup.co.uk/topic/407490-meiii-cabotnolans-spc-claim-old-yorkshire-bank-loan-2nd-claim-dismissed/  
    • It follows a public backlash after stores were told they could not sell items such as clothes. View the full article
    • With regard to your question on post 207 if you bring in the points that I made on the validity of the contract they are supposed to have with Peel holdings then mention that there are already doubts about the validity of the contracts that are being used by the PPCs and the OPS is a classic example. Once you are on there you should then try and get your other point in after that.   if it is in connection with the extra charge of £60 remind the Judge that the charge has been defined by many Court across England that the charge is an abuse of process which was covered in PE v Beavis at point 198    " The charge has to be and is set at a level which enables managers to recover the costs of operating the scheme"  IE the £100 charge covers all their expenses so nothing should be added.   as their WS claims an extra £60 that could be judged as perjurious since it is an additional sum that should be known by VCS and the author of the WS as a double recovery. Especially as they have already lost in Court for the same reason.   Another cause to prove that they do not comply with their Code of Conduct. file:///C:/Users/User/Downloads/CamScanner%2008-05-2020%2016.34.59.pdf  Byelaws are statutory not arbitrary as their WS said on no .42 .   Best of Luck.   The above URL does not work but this one does http://forums.National Consumer Service.com/index.php?showtopic=133001    [20.1 is where  VCS  lost then 20.2 where they appealed and lost again . But read the whole thread as it may help you in other ways too.
    • Sian Williams from Indonesia takes us through her week during the coronavirus pandemic. View the full article
    • stop doing nolans job for them... there are numerous threads here in the same forum yours is in     no DN info to follow   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

help me please with my journey to the straight and narrow


Please note that this topic has not had any new posts for the last 3867 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

hello to all, I have been reading this forum on and off for some months now and it has inspired me to sort out my financial affairs.

 

I currently am in the situation where I have the following debts:

 

Northern Rock mortgage of £150,000, 218 interestautolinker.com autolinking image only payments remaining.

Northern Rock loan (tied in with mortgage) of £30,000.

Both the above started June 2007, however the paperwork was completed March 2007 and I have copies of the online agreement.

 

Egg loan, started November 2005. 19 payments of £200 remaining against a balance of circa £3700. (currently in dispute under cca)

 

HSBC gold credit card, opened sometime in 2004 with balance of £5000.

(currently in dispute under cca)

 

capital one credit card opened in january 2008, balance of £4500

 

amex credit card, opened in march 2008, balance £400

 

a&l unsecured loan started n june 2008, balance of almost £6000

 

I have enought salary to cover the payments but due to sme bad personal circumstances and a rising mortgage - some months i have a double figure sum to eat and travel and live on.

 

when i moved house in 2007 i was confident and moving up in the world with a nice house but several events have broken that dream.

 

I am not someone trying to walk away from my debts - after my problems in 2008 I took on extra finance in order to try to sort things out and this in hindsight has made thing much much worse with the debts even more above my income.

 

my question is what can i do?

 

the site is full of tales of woe and this makes me very worried. i think that as long as i dont shy away from the problems and try to deal with them properly i wont have a problem.

 

i dont know how i can manage the debt and still keep a roof over my head.

 

i also hear that it is possible to go down routes and agree legally to reduced payments. how do i go about this and where can i read more about this?

 

all help very much appreciated.

Link to post
Share on other sites

The first thing you have to do is write down your priorities - mortgage, council tax, food, gas and electricity, travel expenses to work. What is left after you have met the essentials is what is left for your creditors, even if it is only £20.

 

You borrowed to get out of debt and realise that was a mistake but what is done is done and it just has to be dealt with. You have 2 agreements in dispute so they will be on hold until the disputes are resolved. The agreements are all fairly recent and the law on how agreements should be presented was changed in 2006 (effective from 1 May 2007) so these agreements are more likely to be properly executed and enforceable in the event of creditors taking you to court. You can CCA them if you want to check the agreements.

 

Decide what you can pay your creditors on a pro rata basis then send them letters of proposals for reduced payments.

 

There are a number of letters in here that may help you:

 

Creditors and DCAs - Letter Templates & Budget Planner

 

Let us know how things develop and you will get advice as you go along.

Link to post
Share on other sites

Please do not get too down hearted, you are not alone in your situation, and believe me there are those much worse off. I say this to make you feel less worried.

 

You appear to be well in control of your other accounts, so we will help you with this one. Pinky has already given you information to get you going.

Every journey begins with a single step :):)

 

Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

 

If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You

 

The only person entitled to your Personal Finance details is a Judge not a DCA

 

Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...