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    • You are welcome to ask for advice here – but please would you start your own thread. Also, please don't spam this forum with links to credit advice companies. We'll be very pleased to help you though – if that's what you need
    • Sorry for not posting but I have done this many times after the advice on this brilliant forum, but long story short I had a court claim issued by Lowell’s re an old Three account and one for JD Williams which they had conveniently bundled together as a single case.  Anyway went through the months of legal tennis during which time as always they failed to provide any actual proper paperwork.   Just as I was about to comply with pre hearing request and send off my WS I had a letter from them to say they have discontinued the case. Of course I will check with the court but as the excellent mods on here say Don’t ever lie down and give in to these Sharks - never, ever.
    • Interesting that the issues of Johnsons problems with whichever side wins the US elections is starting ti hit the main news services   Summary If Trump won: Trump has defined in the trade objectives already referred here, would want to open up the UK to US GM crops and hormone injected and chlorine bleached meat while allowing damn significant to the UK populous in from the UK 0 which Johnson crew have no issue with and have been enabling despite the Johnson and crew lies. Other than that Trump would only want the UK govs unqualified support in whatever he chose to tweet.   When Biden wins Biden is still America first, and an Irish American at that. Johnson is a Brexit and Trump supporting populist who has thrown Ireland under his red brexit bus. Biden will also be less interested in a UK that can't promote US interests in the EU so all that remains (at least until Scot independence) is the UK's vote as a permanent member on the security council and as a market for US goods on US terms.   The Tories will need to get rid of Johnson and the populists and hope the blame for the multiple train wrecks at hand goes with them - now the Brexit and freeport goal has effectively been achieved.  
    • What happened? Did he manage to resolve it? I am interested in the part where creditfix said he was approved, but he wasn't. If you apply for an IVA and it is rejected, does that put a bad mark on your creditfile? My friend recommended an IVA to me, although my debt is nowhere near as much as your friends. I was going to use a free IVA advisor , who say they will tell me which companies will approve me for an IVA before I apply, but if they say one and I apply and it is not approved, will this have negative consequences? My credit score is already 'poor'.    Thanks!  
    • Hi folks,   So I've spoke to customer service at Enterprise and was referred back to the traffic violations team who sent the original email refusing to refund the the charge.  She gave me a phone number to call but is currently down because of covid so I'm not currently able to talk to anyone on the phone about this.  I checked out the Ts&Cs in the contract and found that it does in fact cover parking "fees" and "charges" so not sure what grounds to challenge this on, given I cannot actually speak to anyone.    TRAFFIC VIOLATIONS, PARKING AND TOLLS: I acknowledge that for the period of the rental I am liable for all traffic violations; parking fees, fines or penalties; and charges and penalty tolls. Owner will charge you an amount of up to £35 for administrative costs.   Look forward and to hearing from you about this and how best to deal with Euro Car Parks.   Thanks in advance
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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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Hi there. I have become interested in the debate surrounding the RLP company since seeing an item on it on the BBC a few weeks back. Since then I have read a lot on this forum and others, as well as the CAB advice on uncivil recovery.


My main question is, I see in many of the threads on this site that those who have been contacted by the RLP are advised to not pay and simply ignore the letters and I just wonder how sound this advice is? Surely such a large company wouldn't just give up on a case and just forget about the money owed? I can not see how a company can just cut its losses and ignore the fees which they do not receive by so many of those who have not paid. Especially regarding cases where there is a true case of shoplifting, to which the police attended and the suspect admitted to the crime.


To those who have had contact with the RLP and decided to ignore and not pay, have they stopped sending you letters? And how can you be sure that they won't get in contact with you a year or two down the line, making it a lot worse for you? Especially since some who have posted to this site have commented how eventually outside debt collecting companies get involved after some months of non-payment.


Sorry for so many questions. I do not agree with the vast amounts of money that the demand, but I am just curious as to the success of the advice given on such sites as this. I hope you can make some things clearer for me here. :)

Thanks very much for your time reading this.



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