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    • And to add to my site team colleague' s advice above, if you phoned the vet, they may well say that it is out of their hands now and with a debt collection agency. Insist that it is with them and if they maintain their position then it is probably worth writing to them to confirm that you asked them for details and that they refused. It's a good idea to develop a paper trail – especially where they are acting unreasonably and refusing basic information such as an account. You could also serve them with an SAR which will compel them to provide you all the information you want
    • A utility company is certainly a service provider and they are generally treated as such by courts, regulators et cetera.   Please don't be vague about any details that you give us if you want help. Were the advice we give here is free of charge – and it is generally speaking excellent advice and we help thousands of people, you should treat it as if you are paying £300 an hour for it and that means your best to help us so that we can help you solve your problems quickly and efficiently
    • regardless to whomever have been involved and what happened ... police, court, bloke that collects the trolleys in the carpark   ..you TOTALLY ignore the likes of DWF and RLP no matter what   dx  
    • pers i'd certainly not be paying a powerless DCA anything EVER. esp when they dont OWN the debt, which in this and most cases they don't and most certainly NOT over the phone or use the phone to a DCA ever, no matter the reason. they lie and threaten all kinds of illegal things on a phonecall that they'll never put in a letter which is why it is sO important to record their calls, then you can raise a complaint against them.   cut the DCA of totally ring up the VETS and set up an affordable repayment schedule with THEM directly but 1st ask for a balance i bet that doesn't match the sums paid to the DCA.   dx  
    • Thanks for responses.   The post thats been deleted was posted before the post requesting bullet points. I was deliberately vague on the type of debt it was. However a utility company is not a service provider   The answer provided in respect of the income form is great.   The only question i have now is if its reasonable to request  breakdown of how the debt has been calculated and any contract hey may have been in place.   Thanks again 
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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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I failed to pay a parking finelink3.gif last year - my mistake, I thought I had done so, although was at a time when I was waist-deep in debt and just sorting my finances out.


I got a letter from Equita in April telling me I needed to pay £168.14. I called them and arranged to make 3 payments. I made the first two, but again an oversight meant I failed to make the final payment. My fault again, no problem. This week I got a letter hand-delivered from a bailifflink3.gif from Equita. On the letter it said that I need to discuss this within 24 hours or he would seize my vehicle, which would cost £140.


At first I e-mailed Equita, apologising for my oversight and offering to settle in full next Friday when I get paid. Having heard nothing back by the evening, I rang them up. They said to speak to the bailifflink3.gif, but he would have no problem doing this. I phoned him, but he didn't answer, so I left a message for him explaining the situation.


He phoned back this morning, saying that the amount outstanding was not £68.14, but in fact some way over £400. Not including the £140 should he seize the vehicle, nor the £50 per day while it sat at auctionlink3.gif.


I phoned Equita back, but they were most unsympathetic.


Now, in none of the correspondence I have received from Equita does it explain their bailiff charges - nor is there any mention of this arbitrary figure on the letter I received the other day. The only mention of additional charges was the £140 for seizing the vehicle. Looking elsewhere it suggests that bailiff fees should be no more than 20% of debt for the first £100.


Am I therefore in a position to dispute the charges, given these were not published? Should I, like the previous poster, refer this to the Council? Bearing in mind the clock is ticking for my car being seized, I need to act very quickly!

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With reference to the other recent thread on Equita, I have sent them a complaint e-mail pointing out their mistakes and once again offering to settle up the charges of £68.14 plus any REASONABLE (i.e. 20% of debts up to £100) extra charges next Friday. I'll see what happens...

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Moved to Bailiffs Forum.

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



17 Port & Maritime Regiment RCT

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Hi hounslowdebtor and welcome to CAG.

The first rule with Equita is that they only uses 'bailiffspeek' that is they will lie, cheat and try to intimidate you into paying as much as they can con you out of. [i don't like Equita].

As they haven't left you the paperwork they should, have a look at:


Department for Constitutional Affairs - Enforcement - National Standards for Enforcement Agents


It's easy to read and will tell you how the bailiff should (theoretically) behave and what paperwork they should give you. Feel free to quote the Standards when complaining. (Do try to avoid phoning them and keep everything in writing)


As parking is not my forte I'll ask someone to take a peek at your thread.


Best wishes


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Just a note:

Bailiffs like to pretend that the Standards don't exist or don't apply to them.

Equita are members of the Employment Services Association whose Code of Practice (section 2) specifically states that members should follow the Standards. (Don't bother complaining to ESA as they are a toothless bunch run by bailiffs for bailiffs...). But it's always worth quoting in a complaint.

I'm sure you'll attract better help later today / this evening.

Best wishes


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Unfortunately the Association of Civil Enforcement Agencies is another toothless bailiff led association. Usefull to quote but thats about it.

First of all you need to know what you have been charged for. Here is a template letter courtesy of Ploddertom:



My Name

My Address



Acme bailifflink3.gif Co

bailifflink3.gif House


Ref: Account No: 123456


Dear Sir


With reference to the above account. Can you please provide me with a Breakdownlink3.gif of the charges including Computer Screenshot. This is not a Subject access requestlink3.gif under the Data Protection Act S7 1998 so does not incur a fee of £10. I also require the name of the attending Bailiff and the name of the Court he was Certificated at. You are obliged to provide this information.


I require this information within 14 days.


Yours faithfully


Ripped off customer"


Adapt for your own needs, send by email & letter.





[Obviously, Caggers, if there is a more appropriate one more suitable to HDs needs please post. Parking isn't my forte and your comments would be welcome!]


HD, if you wish to complain, first gather all your info. Then use the bailiffs complaint system. You need to do this in order to then complain to the Ombudsman. Also consider a Formal Complaint direct to the CEO of the council.


Best wishes


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[Taken from another site that both the OP and I are members of]


hounslowdebtor has sent off for a breakdown of charges. He has also been in contact with the relevant council who have granted a 14 day pause in bailiff action...


Best wishes


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