Jump to content

  • Tweets

  • Posts

    • Hi all, just to close this one, please see the photos below....before and after    Thank you, all, for some great advice (as per usual!)
    • Thanks BankFodder.   I wasn't intending on making bones about it with them but I was irked at being dismissed with the phrase 'it's store policy'.  I returned it because I was returning an air hockey game which wasn't functioning properly.  I would have assumed that if it were designed as a toy for an audience that may be prone to dropping it, it would be made to be suitably durable.  I was expecting that a year would have been reasonable and by it not lasting it was, as you mentioned, not of satisfactory quality. Alas, it's not something I wish to pursue to find out for sure.   I do appreciate your feedback, as always on here, I like to know where I stand with these things.  Thanks also for the heads-up on the Youtube video, I had not thought of that.
    • I've also being doing some reading over the weekend. It appears the law of properties act 1925 does not apply in Scotland (only England and Wales).   "In Scotland an assignation need not be in writing, and intimation is all that is needed to give the assignee a right effective against all parties. Apart from the terminology, the principal differences in England are as follows. Under the Law of Property Act 1925 the assignment must be in writing, the entire benefit must be assigned, and notice must be given to the other contracting party. If any of these elements are missing there may still be an equitable assignment – under which an assignee would typically need to join the assignor as a party to any action under the contract."   So I think the NOA defence is not going to hold up, as Nolans are probably right in what they are saying that their letter (intimation) is sufficient.   So my sole defence is going to be lack of default notice under section 87/88.   Any advice at this stage? I assume costs are still capped at £150 if lose?
    • Hi bankfodder. I do have the invoice in my email, so would it be the cost of the turbo and labour for fitting
    • as i said unsure of what this 15% is about.   the FOS/FCA clearly describe how refund calcs show have been made the their relevant sites.   p'haps at this juncture it might be better to scan up to ONE multipage PDF their refund letters  another set of eyes is always belter.   please read our upload guide carefully      
  • 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

Please note that this topic has not had any new posts for the last 3333 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

  • Replies 404
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Posted Images

am i right in thinking that the details of who the account has been sold to should be under either the memo details or the collection details or am i just making things more complacated?

Link to post
Share on other sites
am i right in thinking that the details of who the account has been sold to should be under either the memo details or the collection details or am i just making things more complacated?

 

I dont think they will say who it was sold to - but there should be records from that period.

Link to post
Share on other sites

My Barclay card prints outs from the SAR request mention my account was sold to Roxbough in two entries, so yes it should be mentioned. My dads show his was sold to HFO

My advice is given through personal experience and is given without prejudice

 

 

If I Have helped please feel free to click the star

:smile:

Link to post
Share on other sites
My Barclay card prints outs from the SAR request mention my account was sold to Roxbough in two entries, so yes it should be mentioned. My dads show his was sold to HFO

 

So have others shown Roxburghe, with regards to your dad,s, does it say which HFO?

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

Link to post
Share on other sites

Without checking, I think it just said HFO, but i'll have a look later and confirm

My advice is given through personal experience and is given without prejudice

 

 

If I Have helped please feel free to click the star

:smile:

Link to post
Share on other sites
what should i do to get the printouts from 2007 i have already told paul hart they are missing and he told me they have sent all the info they have on me

 

Lets see if you get that letter and then we shall look at your next move.

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

Link to post
Share on other sites

Pretty unequivocal. But I think they are wrong!

“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

Link to post
Share on other sites
Pretty unequivocal. But I think they are wrong!

 

Am begining to wonder about this - it keeps cropping up latley. Even Welcome have said accounts sold to HFOS.

 

Im thinking HFOS may have purchased a batch somewhere - or are they purchasing on "behalf of" - but something is going on here.

 

But if HFO did purchase - and claim is made as HFO Capital - it is not only dodgy in terms of ownership - but could also be an issue for HMRC.

Link to post
Share on other sites

i am starting to think you are right in what you have said now and previously dadofholly i cant see what gain barclaycard would have in saying it was sold to hfoc apart from hfo telling them to but i dont know what you all know so i could be wrong

Link to post
Share on other sites

The main this for you is - they are caliming as Capital - but BC say it was sold to Services - the only way to prove who it was sold to would be seeing the deed of assignment - and HFO will not want you to see it. WHY?

 

well we can all guess that one - it was not sold to HFOC Dublin (the claimant).

Link to post
Share on other sites

This kind of thing is totally normal with HFO. If you were relying on it in court they would claim it's an admin error by Barclaycard. You can bet any money that documents will appear to serve there purpose if necessary.

 

The only way to surely know would be to see a copy of the sale agreement, which you never will

My advice is given through personal experience and is given without prejudice

 

 

If I Have helped please feel free to click the star

:smile:

Link to post
Share on other sites

i have not heard anything from hfo since they sent the copy of application form so will have to wait and see what they do. im hoping it wont go as far court but you dont know what they gonna do.

Link to post
Share on other sites

You have collected some useful information here, keep it safe - also the letter is from the phantom 'Carly' again

At your Service

 

Please Double click the Star and leave a message if I have helped you

 

Please support CAG and they will support you.

Link to post
Share on other sites

thanks coledog. i will keep it safe.. please can you explain in what way it is useful? and yes it was sent again from carly.... also what is my next step if any of is it just a wait and see what hfo do?

Link to post
Share on other sites

It’s useful because it shows Barclaycard haven’t a clue who it was sold to, and neither have HFO.

“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

Link to post
Share on other sites

Evening DB - Oblivious if HFO do try and take this further you have the information to fight them on it

At your Service

 

Please Double click the Star and leave a message if I have helped you

 

Please support CAG and they will support you.

Link to post
Share on other sites

It is almost certainly yet another admin error – someone has to be wrong – but it’s all useful to prove they don’t know their gluteals from their olecranon.

“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

Link to post
Share on other sites

Evening CD.

“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

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

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...