Jump to content
  • Tweets

  • Posts

  • 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

my son's father died - i couldn't afford funeral - now Debt Recovery Bureau LLP are adding 50% charges to the debt!!


Please note that this topic has not had any new posts for the last 3403 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

Hello to all! Please be gentle as this is my first post.

My Childs father died in 2008 and he had to pay the funeral costs, (I have not been in a postion to be able to help with this) He agreed to pay the costs over a period of time but with no set agreement, and has been paying as and when he can (the original debt was £1500 and the last letter I saw said the amount outstanding was £627) My son has been working away for some time and it was only the other day when a registered letter arrived that I opened any of his post. The letter is from a place called the Debt Recovery Bureau LLP and states that they have been instructed by the funeral director to collect the money on their behalf. However, they state the total outstanding to now be £927 ( I have spoken to the funeral director and he said that is the charge the DC makes for contacting my son plus the DCs own charge of 48% of the debt). The funeral director also told me that debt of this kind has a different set of rules to other debts.

When I spoke to the funeral director I asked if we could finalise payments by the end of July without further charge and he has told us that no matter what we have to pay £777 which includes £150 costs to the DC. Is this correct? Is there anything we can do about this? Thanks in advance for any replies or suggestions.

Edited by angiebun
Miised out details
Link to post
Share on other sites

ruddy fleecers!

 

even in death they have the cheek to try and add unlawful charges

 

disgusing

 

dx

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

Link to post
Share on other sites

i've changed the thread title to embarrass them even more

 

dx

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

Link to post
Share on other sites

Their web site is childish at best, and suggests that they're members of the National Association of Funeral Directors

 

Could this be what was meant by "Different to other debts"

Worry tends to make the smallest thing throw the largest shadow - Swedish Proverb

Link to post
Share on other sites

Here is a list of their "success Facts"

 

In order to provide you with a flavour of how successful our debt recovery service is, we list below just a few pertinent details

 

For every £1 paid to The Debt Recovery Bureau, £8.57 is returned on average to the client

 

Oldest debt collected was 8 years old

 

Quickest debt collected was just 20 minutes following referral

 

Smallest debt balance fully recovered was £31

 

80% successful trace rate

 

20% of all referrals are settled within one calendar month of receiving the referral

 

Approximately four out of every five debts referred are ultimately recovered

 

Only 6% of referrals require litigation to recover the outstanding balance

 

8 Years for the oldest debt? Statute Barred?

Worry tends to make the smallest thing throw the largest shadow - Swedish Proverb

Link to post
Share on other sites

Hi, condolences for your loss, but I believe the title may now be wrong?

 

Practically speaking, who was the next of kin to your sons' father, I assume that as he was responsible for this expense, then it was he.

 

Was your son in receipt of any benefits, and did he make all of the arrangements and agree the cost.

 

There are benefits/payments which are claimable at the time of a death for the next of kin.

 

Reading this will help: http://www.direct.gov.uk/en/MoneyTaxAndBenefits/ManagingDebt/DebtsAndArrears/DG_10013093

 

My advice would be to stop all correspondence and insist that all contact is now in writing only. Certainly do not believe all you have been told.

 

As above, there is help available from members of CAG who I am sure will be able to offer further advice.

 

One thing I would say is this, assuming that in the end it is proved who has the 'right' to collect, then all that is payable is the original amount of the cost of the funeral and other expenses and nothing more.

 

If your son can offer and maintain a regular payment which is affordable to him, then make that in writing and stick to it. You will be told all kinds of lies about it not being 'acceptable' but in these sad circumstances and given the nature of the alleged debt, no Court is going to 'come down heavy on your son' as he is making regular payments, but I really honestly think that this will go nowhere near a Court.

Every journey begins with a single step :):)

 

Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

 

If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You

 

The only person entitled to your Personal Finance details is a Judge not a DCA

 

Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

Link to post
Share on other sites

Page 7 http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf

 

Charging for debt collection

 

2.9 Charges should not be levied unfairly.

2.10 Examples of unfair practices are as follows:

a. claiming collection costs from a debtor in the absence of express

contractual or other legal provision

b. misleading debtors into believing they are legally liable to pay

collection charges when this is not the case, for example, when there

is no contractual provision

c. not giving an indication in credit agreements of the amount of any

charges payable on default

d. applying unreasonable charges, for example, charges not based on actual

and necessary costs

e. applying charges which are disproportionate to the main debt.

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

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

Link to post
Share on other sites

My son was definately next of kin, his father had two brothers but we were told that the costs must be paid by my son. He was working at the time and we couldn't claim anything from the social fund etc.

Link to post
Share on other sites

If you were still married at the time of his death you would in fact be the next of kin.

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

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

Link to post
Share on other sites

So grave robbers are alive and well in this day and age

PGH7447

 

 

Getting There Slowly

---------

 

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

Link to post
Share on other sites

Name & Registered Office:

HARDY AND HARDY MARKETING ASSOCIATES LIMITED

16 CHURCH ROAD WEST

FARNBOROUGH

HAMPSHIRE

GU14 6RT

Company No. 05880190

 

 

spacer.gifspacer.gifspacer.gifspacer.gif Status: Dissolved 09/02/2010

Date of Incorporation: 18/07/2006

 

Country of Origin: United Kingdom

Company Type: Private Limited Company

Nature of Business (SIC(03)):

7487 - Other business activities

Accounting Reference Date: 31/07

Last Accounts Made Up To: 31/07/2007 (TOTAL EXEMPTION SMALL)

Next Accounts Due:

Last Return Made Up To: 18/07/2007

Next Return Due:

Last Members List: 18/07/2007

Previous Names: No previous name information has been recorded over the last 20 years. UK Establishment Details There are no UK Establishments associated with this company. Oversea Company Info There are no Oversea Details associated with this company.

 

 

 

 

 

 

 

 

 

 

 

 

 

this is not a dca and they have no consumer credit licence

Link to post
Share on other sites

I presume your son has signed a contract with the Funeral Director. It will be the terms of that contract that need to be looked at in terms of debt collection costs.

 

If he is living away, then I would write back saying that he is not resident at the address, but you will forward on the letter to him, suggesting that he obtains advice about it. It is up to them to find his address, but you could expect them to ask you, which is a bit cheeky and of course you don't need to disclose. If he is working abroad, it might be useful to tell them the address, as they could then not try to obtain a CCJ which he could not defend.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites

I have only ever seen this sort of thing once before with a funeral director claiming that

the debt was a ''different'' type of debt because of the statutory fees incurred for internment/cremation certificates etc.

I don't no the truth of it.

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:

Link to post
Share on other sites

Their company no is OC316500, BUT they don't appear to have an OFT licence. I can't find it .

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites

Just spoken to a Trustee and estates lawyer we need them a lot unfortunately, the

only thing that can be construed as a ''priority'' are the certification fees, all this should be itemised

in detail in the FD's account rendered.

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:

Link to post
Share on other sites

I believe they use the same ''bulk '' credit licence as solicitors.

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:

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

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...