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    • A couple days ago i started to receive emails from JD Williams all with orders i did not make totalling £450 , two orders with my address listed and another two with a womans name and address in lodnon ( im from wales ) , ,when i received the cofirmation order emails i logged into my account and everything was as it should be (no pending orders)  so thought it was a typical junk/scam email, when i received another order through my email it was bugging me so i used the same email as the username and a very old password and it logged me into a old account i never knew existed , this is the account the orders were made through.the items were already dispatched so it was to late to cancel , i contacted jdwilliams and they put a fraud marker on my account and told me to email jd willimams fraud team ( waiting for a response 4 days later)  i tracked the hermes delivery today and the items were left on the fraudsters doorstep with a picture taken from hermes for proof of delivery , im very worried  and dont know what to do , should i contact the police or wait for a response from the investigations team?     Any advice would be greatly appreciated   Thanks
    • I would deal with this the same as I deal with the Parking People.    1. Get stroppy - fight for your money back. 2. Tell the debt collectors - this is harassment - and charge them £196 every time they write to you. 3. Court action for the return of your funds.   Or write off what you've paid and accept the lesson on the chin - but maintain the issue with the debt collectors if they pursue.    These people are utter [Insert Your Own Words Here]   Richard (Nobby)    PS Oh and edit the post to put some space in the post if you can.     
    • Hello and thank you for the detailed answer.   I have checked that website. The MPRN matches with my bill and the gas supplier appears as EON. Then, out of curiosity I checked my neighbour supplier. I know that they have the electricity with EON based on their smart meter, but their gas supplier is British Gas. I do not know how frequent it is to have different suppliers. Either way, It seems like EON is supplying my flat (based on those numbers), but I still have doubts with regards to which one is my meter and whether I am right when thinking that I am using the wrong meter.   Any suggestions  from this point?       Hi! Thanks for the answer. I am afraid I will have to do it. I just want to be certain before going down that road. Additionally, how will they evaluate my consumption if there is no initial reading to estimate from?   Many thanks!!
    • Hi thanks for the reply and good point. Well after I run the HPI check, I read a lot and also came to know TAX is not transferable, so I went to the gov.uk web and paid the tax in full for the whole year. Since then, I tried to exhaust the web for any information related to this car and made a list of past owners (because I am not sure who holds the title with Moneybarn since Moneybarn will only declare a good faith title if I purchased the car from their customer). So in total there are 5 registered keepers/owners of the car  (incl. myself). From the service records I traced the first ever driver/owner, he said he returned the car to Mercedes, so it means he leased it and the car was registered with a lease/finance company. I could not get details from Keeper 2, but it seems he sold the car after 3 months. Keeper/owner-3 also no details but he sold the car after 12/13 months. Keeper/owner-4 is the seller I purchased the car from. Keeper/Owner-5 is myself.   I tried to trace more and more and used google tools as much as I could, and found out that the car was advertised on July 2020 and Aug-2020 by a car dealer in Sussex on Gumtree! And the car was sold by them on the 29 Aug 2020...so most likely it was sold to Keeper/Owner-4, from whom I purchased the car.   So I made a list of past owners and tried to identify who could hold the title with Moneybarn...after weighing in my assumptions and findings, I came to the conclusion that Keeper/Owner-4 may hold the title. And since the car was advertised by a car-dealer, then I assume they should have run an HPI check. Maybe, just maybe, Keeper/Owner-3 may have traded in his car at this dealer and the car dealer took the Mercedes in as p/x exchange.   So today, i will drive down to the car dealer in Sussex, and try to find out more. If Keeper/Owner holds the title, then I have a better chance to get a Good Faith title from Moneybarn. I never thought I would run into this nightmare but I am weighing down my options, if I have to loose the car, I will try to loose it royally and drive around EU before returning it in the most deplorable state I can.   But then again, if Keeper/Owner holds the title, and he does not default his payments to Moneybarn, can they still repossess the car?
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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.
       
        • 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!
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Hi,

 

I had a letter through my door on Wednesday stating that a bailiff had been to my door regarding outstanding council tax.

 

I rang said individual to state i wanted to know how much it was for, was told he would have to call me back, stated could I pay in installments told no this was not possible, he was going to take my goods.

 

Said individual rang me the next day and told me how much I owed, again I questioned this to which he was very rude, abbusive and didnt want to listen to a word that I said. When I got home I rang the national debt helpline for some advice, and can I just state that they are fantastic.

 

I was told to ring the council I owe the money to and ask for a full breakdown of the costings on what I owe them and find out if the charges are correct, which it turned out they had overcharged me for a month so they have taken this off, it turned off that the bailiff was trying to charge me £300.00 in fees!!! and I would just like to state they he had been to my house once.

 

I then asked the council if I could pay the full balance on the account to them for what I owed the council - nothing has been paid to the bailiff and they agreed, so paid this in full.

 

Then and this was the best bit, I rang the bailiff to say stop harrasing me I have paid the debt in full minus the £300.00 of your charges which are illegal to charge me as the maximum you can charge me is £24.50 to which we went very very silent and didnt say anything, then said no i can charge what I want, so I told him I had the legal charges infront of me that he was allowed to charge and I would be speaking to his company on Monday to state this to them, and then would pay £24.50 and nothing more.

 

To say the least he was not impressed as I had paid it in full to the council, so he can go screw for his commission, but belive me it felt good. Can I just state that please please please ring the national debt helpline as these guys are good and know what they are on about :-)

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Hi,

 

I had a letter through my door on Wednesday stating that a bailiff had been to my door regarding outstanding council tax.

 

I rang said individual to state i wanted to know how much it was for, was told he would have to call me back, stated could I pay in installments told no this was not possible, he was going to take my goods.

 

Said individual rang me the next day and told me how much I owed, again I questioned this to which he was very rude, abbusive and didnt want to listen to a word that I said. When I got home I rang the national debt helpline for some advice, and can I just state that they are fantastic.

 

I was told to ring the council I owe the money to and ask for a full breakdown of the costings on what I owe them and find out if the charges are correct, which it turned out they had overcharged me for a month so they have taken this off, it turned off that the bailiff was trying to charge me £300.00 in fees!!! and I would just like to state they he had been to my house once.

 

I then asked the council if I could pay the full balance on the account to them for what I owed the council - nothing has been paid to the bailiff and they agreed, so paid this in full.

 

Then and this was the best bit, I rang the bailiff to say stop harrasing me I have paid the debt in full minus the £300.00 of your charges which are illegal to charge me as the maximum you can charge me is £24.50 to which we went very very silent and didnt say anything, then said no i can charge what I want, so I told him I had the legal charges infront of me that he was allowed to charge and I would be speaking to his company on Monday to state this to them, and then would pay £24.50 and nothing more.

 

To say the least he was not impressed as I had paid it in full to the council, so he can go screw for his commission, but belive me it felt good. Can I just state that please please please ring the national debt helpline as these guys are good and know what they are on about :-)

 

Good to see a happy ending , but are you sure you have to pay him anything at all £24,50 , especially as he tried to rip you off . There is no price for peace of mind but imo he doesn't deserve a thing , please be sure that by paying him anything you don,t open an account with them , they are ruthless b53188ds and will then claim you now owe them £275.50 and counting .

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you dont owe him a penny.

if he wants his fees

he will have to ask the council

they employed him

they are answerable for his actions.

 

dx

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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Yeah that is what I am concerned about really, as he was saying no its £120.00 for him to visit my house, then it was £24.50 for first letter and £18.00 for next, so I stated to him that by law they are only allowed to charge £24.50 for the first visit to my house and at no time did he come with a removal van and quoted the legal terms that I was informed of by National Debt Line.

 

He stated I needed to call him on Monday to find out how much I owed to him, as he needed to speak to his office.

 

Am wondering if I should call the company he works for directly?

 

I am going to send them a letter stating the balance has been paid in full to the council as final settlement of the debt.

 

How do I know what I should and shouldnt have to pay for?

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Also have been reading other posts and want to find out if I did the right thing paying it to council, as others have stated that this is not the correct thing to do and it should of gone to the bailiff.

 

I paid the council as I was informed to do so by the National Debt Helpline, as I was disputing the charges by the bailiff but agreed to the amount I owed the council.

 

Hope I did the right thing - I have confirmation that my payment has gone through with a receipt number and its showing as gone on my bank statement online.

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I had a letter through my door on Wednesday stating that a bailifflink3.gif had been to my door regarding outstanding council tax.

 

 

If this letter was hand delivered you owe £24.50

 

(3) If, before any goods are seized, the appropriate amount (including charges arising up to the time of the payment or tender) is paid or tendered to the authority, the authority shall accept the amount and the levy shall not be proceeded with.

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Hi all

 

Just wanted to give you all an update and see if this is normal.

 

Since Monday I have heard nothing at all from the bailiff or from their company.

 

They rung to ask me the reference number for my payment to the council and since then nothing at all.

 

Money is showing as gone out of my account and shows on council website as closed and £0.00 balance.

 

Do I need to do anything else?

 

Thanks

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shouldn't think so.

 

you have caught him out trying to extort illegal fees, i should think they will go very quiet.

 

if you didn't and you want too..............i'd write a letter of complaint to the council ceo letting him know, that once again, excel bailiffs have been cauught out by attempting to extort illegal and excessive fees whilst being employed on council business.

 

dx

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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  • 7 years later...

I have just caught Penham Excel trying to charge double application fees on a writ of control. At £117.75 that is not a bad earner. It seems common with them and really amounts to fraud that can only really be delved into with a police investigation and a forensic analysis of their accounts. We need numbers, anyone similarly ripped off should complain to the HCEOA at HCEOA.org.uk Ideally and independent agent needs to watch this to ensure the aforementioned get on the job they are supposed to.

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thread is +6yrs old

wont get seen here.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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