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    • 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
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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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I posted on a thread a couple of days ago, and it struck me that the OP was most of all paralysed because he didn't KNOW that the DCA was in fact powerless, and the forum is so big now that it takes a lot of searching to find the gold so to speak. So....

 

 

I want to create a guide to DCAs, and make sure that when people Google any of those names, the thread is at the top of the search, so that first of all, they can be reassured. If they're not afraid, they can start thinking logically and then fight back, but first they need not to be scared anymore.

 

So, I want to name them all, so I am going to post here the ones I can think of, please add to the list. Also if you see one on the list and there is no documentation, could you please post a copy of their template letters (washed of all info, but you knew that, right? :lol:).

 

Ultimately, I want someone to type "Lowells" in a search engine, and they will see their MO, a copy of their threatograms, etc... and so, once that thread is live and going, I'll be asking every one of you to help publicising it, but that's in the future, obviously. (I'm away all next week for starters, so I won't be able to start compiling until after that, but in the meantime, all info is welcome.

 

PLEASE TRY NOT TO DUPLICATE THE INFO, SEE WHAT OTHERS HAVE POSTED FIRST!!!! :-)

 

Thanks,

 

BW

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Ok, I'll start:

 

LOWELLS

HAMPTON LEGAL

RED

METROPOLITAN COLLECTION SERVICES

SCOTCALL

CAPQUEST

CABOT

 

These are the ones who spring to mind right now, but then I am doped to the gills, so all assistance appreciated. C'mon, people, we can beat the b'stards. ;-)

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I have plenty of threatogrammes which can be posted here.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Great, please do so at your own convenience. If they are from the same group, please make sure you say so and how they link (someone had posted a fantastic thread doing the same for one of the PPC), thanks. :-)

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Robinson Way

Intrium jusitia

Westcot

Moorcroft

Equidebt

1st Credit - Connaught

Iqor

Rockwell - Tessera Group

Mercers - Barclaycard in house

must be more

PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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Buchananclark & Wells

RMA Risk Management Alternatives

AIC Allied International Credit

Eversheds

Blair Oliver & Scott (Halifax/Bank of scotland in house DCA)

CCS Commercial Credit Services

Intrum Justicia

Asset Collection & Investigation Ltd

Mackenzie Hall

RCS Revenue Collection Services

SRJ Debt Recoveries

DTS Debt Transaction Services

S C Gray Solicitors Limited

Horwich Farrelly Solicitors

 

 

That was really hard not to put their CAG nicknames....But they are all the ones I have correspondence for, aren't I lucky!!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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BB, I love you. (and it has nothing to do with your avatar always looking like a huge penis!)

So it does! It shall remain then...:p

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Fairfax Solicitors

Judge & Priestley LLP/Connaught Collections?1St. Credit

Ruthbridge

LCS solicitors in house 1ST Credit

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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CL Finance (part of the lewis group)

The lewis group

Smith Lawson ( student loans company also known as SLC in house collection team)

Thesis Servicing Ltd (debts sold by student loans )

Newman and co (ebay fees and others)

 

Credit Solutions Holdings Ltd. (The Crucible group)

Credit Solutions Ltd. (The Crucible group)

power2contact Ltd. (The Crucible group)

Cougar Financial Services (The Crucible group)

 

 

i'll do some more later!

Edited by master woody
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(and it has nothing to do with your avatar always looking like a huge penis!)

 

I am SO glad it's not just me that thinks this LOL!!!

 

FREDRICKSON INTERNATIONAL LTD

Ex CAG helper ^_^

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Jacobs bailiffs & collections

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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1st Credit

AIC Debt Collectors

Aktive Kapital Debt Collectors

Allied Credit

Allied International Credit

Allied International Debt Collectors

Apex Credit Management

ARC Debt Collectors

Arrow Financial Debt Collectors

Arrow Global Ltd.

Asset Recoveries

Avance Debt Collectors

BCW Group PLC

Blair Oliver Scott

Bryan Carter

Buchanan Clark & Wells

Cabot Financial

CapQuest

CL Finance

Clarity Credit Management

Close Credit Management

Connaught Debt Recovery

Credit Solutions Debt Collectors

Debt Managers

Direct Legal & Collections

Equidebt

Evershed Solicitors

Experto Credite Ltd

First Credit Debt Collectors

Frederickson International Ltd

Go Debt Limited

Gothia Debt Collectors

Hillesden Securities

HO Collections

HFO Services Ltd

Intrum Justitia Debt Collectors

Lewis Group

Link Financial Ltd

Lowell Group

Mackenzie Hall Ltd

Marlin Capital Ltd

Mercers Debt Collectors

Moorcroft Debt Recovery

Newman & Company Ltd

Red Debt Collection

RMA Debt Collectors

Robinson Way and Company Ltd

Rockwell Debt Collectors

Roxburghe UK Ltd

Scotcall Ltd

Sechiari Clarke & Mitchell

Shoosmiths

SRJ Debt Recoveries Ltd

TBI Financial Services Ltd

Tessera Credit Services Ltd

Thames Credit Ltd

Turnball Rutherford Solicitors

Westcot Credit Services

 

sorry about duplicaion but a great find, all with links

Edited by citizenB
Restored text without the hyperlinking
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Are these companies that have no legal right to collect money off you ?

 

I've had letters off a couple of the above companies (fredericksons and lowell spring to mind) but they never say who the debt is for. I did agree to pay one but then forgot to pay.

 

Haven't heard from anyone in a while. ;)

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Are these companies that have no legal right to collect money off you ?

I've had letters off a couple of the above companies (fredericksons and lowell spring to mind) but they never say who the debt is for. I did agree to pay one but then forgot to pay.Haven't heard from anyone in a while. ;)

 

Sorry but please start your own thread, this has nothing to do with enforceable debts, this is solely to do with who chases for what. You will get no reply from this thread..

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Hi there

don't forget RESTONS solicitors --usually act for HFC a wholly owned subsidary of H(ideousely) S(windling) B(anking) C(orporation)--these guys go to Court at the first opportunity, don't discuss or make agreements and invariably NEVER send out a full and accurate statement of account no matter how many times you request one. Every letter they send out is ALWAYS veiled in really nasty languge such as PAY THIS WIHIN XXX DAYS COURT NO EXCEPTIONS.

 

A totally 100% unpleasant firm to deal with --nice to see taxpayers money spent on education going the way of these scumbags.

 

Cheers

jimbo

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One I haven't seen mentioned so far is "Arden Credit Management" - a division of "Moorgate Loan Servicing Limited" (used to trade as "Paragon").

 

Address: Arden Credit Management, PO Box 15276, Solihull, B91 9PN Tel: 0845 849 4132

 

Hope that helps!

Please note, I am not professionally qualified in legal matters. Should you have any doubts, you should contact a legal expert.

However, I can and will help with matters regarding payroll as I am fully qualified.

 

If I've helped in any way, you're welcome to click on my "star" and thanks, but I gain the most satisfaction simply by helping/reassuring :O)

 

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All great, but please don't forget to post the threatograms! :-)

 

I'm off to Paris 1st thing tomorrow AM, but will be back at the weekend, school starts again next Wednesday, so should be able to start working on the stuff by then. :-)

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All great, but please don't forget to post the threatograms! :-)

 

Oh great! It will probably take me until you get back to scan and post them all up, I'll have to put them in date order too!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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It's alright, a sample of the worst ones will do nicely!

 

Basically, I want to post side by side a standard threatogram, you know the type, where they threaten repossession, being hanged up by the thumbs, charging orders all sent by a "solicitor" who is in fact the deck next door to "James". :razz:) the I want to highlight the scary words, which is what people see and sends them in panic. Next to it, i want to highlight the words which are really important, like "may" "might" "planning to" etc... I want to teach people to read, isn't that a noble aim? :-D

 

So for this, I don't need every type of letter (far too many I suspect anyway), but a few chosen samples so that we can then say to people: Look at this, and see what it REALLY says. (in the classic 21 picture is worth a thousand words, lol).

 

Anyway, stop whining and get on with it, beatch. :razz:

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I have a load which if put in order will range from 'important please do not ignore' to 'reduced settlement offer' along with 'comfirmed resident' blah blah blah, I'll get onto it, it's a good laugh anyway!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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