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    • It does and we should be so much better than this.  Anywhere but here and the guillotines would have been set up.
    • There's so much money not accounted for over contracts for PPE, nearly all awarded with no tender process or competition. Jolyon Maugham's Good Law Project is trying to get information.   The Byline Times is digging into it too and has quite a few articles now.
    • Thanks again DX. I've uploaded the pages which they sent. Signed Agreement is two pages and this is the agreement I've actually signed. I've uploaded two pages which they also sent but this seems like it might just be a general agreement or something, I'm not totally sure.   Also the quality is not great, I'm not actually sure if youll be able to read this but that's because the copy they have sent is actually poor quality and a slight struggle to read to be honest. Not sure if you will be able to zoom and be able to read it. If not possible I'll try scan them again and see what I can do but not sure I'll be able to get it any better. Signed agreement Page 1 & 2.pdf Other Agreement.pdf
    • What are the exact particulars? The letter I sent in the post I sent recorded delivery but I don’t have a copy, the legal letter is the letter above 
    • Please can you post the exact particulars of claim. A PDF copy would be preferred. Also, please could you post a copy of the letter of claim which you sent. A PDF copy would be preferred.  
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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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Do not think that you can use to 'free trial' if you have had it before. Try and contact them and order the £2 version

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No you can't coledog..........i had the free one. Ccancelled before the thirty days were up.

 

I applied again for the free one a couple of months ago with expeirian,because i had already signed up to it..........they refused.

 

I was expected to pay £14.95 a month........it's rip off.

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No you can't coledog..........i had the free one. Ccancelled before the thirty days were up.

 

I applied again for the free one a couple of months ago with expeirian,because i had already signed up to it..........they refused.

 

I was expected to pay £14.95 a month........it's rip off.

 

It's expensive, not sure if it's a rip off though. They do a £7 per month version (don't tell you till you try and cancel) and that comes with everything except the identity fraud insurance A.F.A.I.R

Andrew

 

Escaped the DCA nightmare, now helping others start businesses

www.ukleakdetection.co.uk

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Need to call them i think because it just tells me i am registered and use my email address i registered with.

 

But i dont know what that was.

 

Received an email from them saying they cannot trace my registration application and i need to supply name, address..

 

AND.. you guessed it the email address i signed up with originally.

 

Not tried equifax and call credit. Are these the same reports? Free trial that turns into they have taken money before you have noticed?

 

Thanks.

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  • 1 month later...

Still having issues with creditexpert. Tried the noddle initially not accepting new members then i got an email.

 

Thoughts of joy soon vanished when it asked for credit card details...

 

CE keep sending me emails to join them for a free trial but cant get past the email address and password.

 

A bit later than expected the calls have started again today. I had been expecting them for a couple of weeks now.

Maybe they have enough in the kitty for the xmas bonuses and the party bubbly?

 

Either way, Still nothing from me. I know you guys must bang your heads against the wall when people like me

ask for help yet dont do the tasks given.

 

Sorry.

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I was also registered with experian on the 30 day free trial which hs expired, they also wanted my details, however you can still obtain your £2.00 stat credit file without having to re-new the online membership, I have just done it and now have my log in details to view my file.

 

http://www.experian.co.uk/consumer/statutory-report.html follow the link to obtain file for £2.00

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With Noddle, they only need the CC for verification, and they will accept a debit card, even the £12 (if it still mentions it) is not taken just that is the old form. If you have been acceeepted onto Noddle it is free, I've been using it for months. And they will accept membership without a phone number.

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  • 4 months later...

Sorry to dissapoint but i have still been ignoring them.

 

Robscum (spelling)?? have started again also. Still being lazy and have not

got my credit report yet.

 

Few family problems since my last posts, Not a good ending but thats nothing to do with this.

 

Anyway with my best guess its 8 months left for them before they are statute barred.

 

Reason for my post today, My GF just tried opening a bank account and got refused Coop and TSB both. No reason given.

 

If she was a named card holder on my credit cards would this be why she got refused? She only had a PO account to collect child allowance and tax credits.

No other credit history. Nothing ever seems to arrive in her name. Which does now seem strange.

Rented property in both names and council tax in both names.

 

Seems rather strange as i still get CC application forms. What idiots would ever lend me money again?? Well i have learnt a big lesson and im not stupid enough to take them up ever again.

 

What does she need to do? Any help/advice?

 

Thanks.

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Sorry to dissapoint but i have still been ignoring them.

 

Robscum (spelling)?? have started again also. Still being lazy and have not

got my credit report yet.

 

Few family problems since my last posts, Not a good ending but thats nothing to do with this.

 

Anyway with my best guess its 8 months left for them before they are statute barred.

 

Reason for my post today, My GF just tried opening a bank account and got refused Coop and TSB both. No reason given.

 

If she was a named card holder on my credit cards would this be why she got refused? She only had a PO account to collect child allowance and tax credits.

No other credit history. Nothing ever seems to arrive in her name. Which does now seem strange.

Rented property in both names and council tax in both names.

 

Seems rather strange as i still get CC application forms. What idiots would ever lend me money again?? Well i have learnt a big lesson and im not stupid enough to take them up ever again.

 

What does she need to do? Any help/advice?

 

Thanks.

 

She will be able to get an account with the COOP if she asks for a cashminder account - it has the same function as a normal current account but you are unable to go into overdraft - or have any kind of credit facility - but you can use it to set up DD's etc. and comes with a debit card.

 

Nat West do a similar account but i can not remember what it is called.

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Agree - she should be able to get a 'Basic' account

 

It would be worth you both getting hold of your credit reports to find out what exactly is on there

 

Have your heard anything from HFO or Roxburge whoc are now chasing some of these accounts?

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Only the same threat letters, We might or may take you to court etc etc..

 

Robs.. Last chance before we consider taking you to court and our paperboy with muscles will

call, if you dont contact us. This is the 1st letter i have had for some time from them.

 

OK not their wording but my interpretation.

 

Puzzled as to why she cannot open an account, Also she never gets CC offers etc.

 

We have lived here for about 20 years. Dont think i have ever seen anything credit wise offered in her name.

 

How can she get some form of credit history so that she can at least open a bank account?

 

So apply for credit reports for both of us, I really must sort that. But everytime i think about it another family

issue happens.

Me being lazy doesnt help i guess.

 

All this because they made threats and were unhelpful when i 1st contacted them to say i couldnt afford to pay them the full amount.

 

Thanks guys, I know im a pain in the butt and seems like i dont listen, But i am. But the ignore it option still seems to work.

 

Please dont ignore me.

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Not ignoring you at all - please make sure that you keep all correspondence and envelopes, even though you are not responding.Your priority payments and life will always come before the threats of DCAs so do not worry about it.

 

Do try and get Experian and Equifax credit reports for self and partner - £2 standard postal ones will do, these can be very revealing and may help you to understand what is going on here!

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

 

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You wull not find out why she has issues getting an account untill you get a copy of your credit file.

 

Regards Opening a Bank Account - you have to ask for the basic account - the coop one is called the cashminder account Here is link to it.

 

http://www.co-operativebank.co.uk/servlet/Satellite/1193206368743,CFSweb/Page/Bank-CurrentAccounts

 

here is a link to the Nat West basic account.

 

http://www.natwest.com/personal/current-accounts/g1/basic-account.ashx

 

But remember you have to ask for the basic account or they will process the appliction for a normal current account.

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I heard that before, People being refused because the bank didnt process for the basic account.

 

Seemed to be a bit hit and miss.

 

It's because they assume you require a normal current account - they don't get a bonus for opening a basic one.

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  • 1 month later...

OK FINALLY i got my credit report. Maybe i made a booby though?

 

I used equifax not experian, Does that matter?

 

Nothing listed under court information, So i guess thats a good sign. Several companies still do regular checks on me.

Cabot debt listed twice for some reason?

 

I think i just clicked as to how to tell when i last paid. Green = paid on time. Yellow 1 = 1 or 2=2 missed payments and

a 4 = 4 months+ missed. Printers playing up and not very clear.

 

Seems like Sept 2006 = yellow 1's across the board. Default dates from October 2006 to April 2007.

 

Couple say settled. One says reassigned but not to who. Other says settled?

 

Thanks for putting up with me.

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Done Experian. Had a better look and its a bit confusing. I thought it would have original CC company data then some mention

of the company they sold it to if any.

 

But it seems like some items are not there, One collection letter said i owed nearly £10,000. Yet my biggest CC

credit limit was £6000. So i assume thats £3000+ worth of charges and interest?

 

One says assigned yet, Does not state who its assigned to.

 

Another letter from Lowells, But the figure does not match anything on my credit file?

 

Lowells still check my credit file, 3 times in 10 days last year, Usually every few months.

Says unrecorded enquiry. A few odd searches from insurance companies.

 

So what is the important date? Last payment or default date? Looking like last payments were around Sept

2006. Some defaulted Sept/Oct 2006 others upto April 2007.

 

Thanks.

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Last payment date is the key. Debts become SB 6 years (5 if you reside in Scotland) after the last missed payment so this is normally one month after the last payment was made for monthly accounts. Looks like Sept/Oct is the key but beware of creditors trying to bump this by issuing court proceedings just before!

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

 

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Well im in the same situation, I have nothing to offer them. So it would take years to reclaim even the court fees.

 

If one did decide to take me to court, Would the fact there are several other companies all asking for money impact on that?

 

Not sure if everything is on the report. Im sure there are some missing? Or maybe the amounts are not correct?

 

Thanks.

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