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    • So here's a thought:   The average age of someone dying of Covid-19 is 82.4.   The average life expectancy is less, at 81.4.   The rest of the population is making huge sacrifices to save people who, on average, would have been dead anyway.   I wonder what the total of life-years saved by all the restrictions we've had on us since the pandemic started is? Probably not many.
    • Hi Thankyou for your response    yes it is ! I sent of a SAR and within the comms Log Lloyds advised PRA  no CCA or paperwork available  .  hence account unenforceable.   The default is listed as PRA so does that mean it’s active ?  I can’t see a default for LLoyds on there.  I will follow your advice Thankyou 
    • i will guess this is:   a debt buyer dca cannot register a default notice    if the original creditor registered a default notice then get a copy of that  staple it to a letter to PRA and demand the account is removed from your credit file forthwith or a serious complaint will be registered with the ICO and financial compensation will be sought.   give them 14 days 
    • Freight industry body warns the lack of an agreement on tariffs could make things more expensive. View the full article
    • Good Evening,    Please may I ask for some information re default markers on Credit Report ?    I had a CC with a Bank default around Jan 2014. Nothing was registered on my Credit Report The debt was later sold on a few times. Eventually to PRA in 2017 where it is unenforceable.   On my Clearscore report that I have recently downloaded it says “ In default PRA GRoup 5th April 2017”. when I click onto this it shows no markings on any month from 2014. so my question is can PRA register the default from 2017. I’m unsure if it drops off from The bank in 2014 or after PRA registered in 2017.    thanks for any advice you can give   
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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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EOS, Moorcroft and Lowell Portfolio were OK to deal with really.


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Hi all, I just wanted to tell people I have recently dealt with the 3 companies named above for 5 differant debts for anything between £350 and about £1800. Its taken me 8 months of negotiating and letters back and forth but each of these debts has now been dealt with and I am paying them off at £5 each per month until further notice. Our financial situation is income support/incap benefit due to me having to have spinal surgery and my wife having MS.

At all times I kept them informed of what I was doing next, my finances, my health, etc, I only wrote to them and most of all didn't let them bully me into financial agreements I couldn't meet when I spoke to them on the phone on odd occasions.

To anyone having problems, stick to the facts, don't get drawn into arguments, don't ignore their letters but most of all stick to your guns. Work out what you can pay and refuse to pay anything more. My stubborness paid off, so can yours! I got letter templates from here, changed them slightly to make them more personal to me and sent them off. I read a lot about what others were doing as well which helped. Good research and clear communication is king!

Just thought a little positivity would help others feeling stressed and under pressure.

Good luck, anything is possible.

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i hope you cca'ed them all first?

 

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... 

 

 

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There was no need to be honest with you. We were paying all the debts up until August last year when my wife was made redundant.

They were for catalogues, Cards etc and none were in dispute at that point, all were legitamate and none were in arrears.

When my wife was made redundant we tried dealing with the companies directly but none of them would help or accept reduced payments. At that point I dug in my heels and decided it would be easier to deal with DCA's so ignored the original companies and waited for DCA letters to roll in. I've dealt with DCA's in the past and find them easier to deal with if you tell them what you're doing and keep up a dialogue. I think they work on the understanding that something is better than nothing.

At no point was I trying to duck out of paying my debts and I let them know this right from the offset. For me honesty and brute stubborness has paid off.

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sounds like there was

 

anyone that offers a discount knows they will never win in court...........

 

that could be through an issue with paperwork or unlawful charges/PPI.

 

IMHO you have p'haps 'given' some money on a plate, when there was no need too.

 

ofcourse DCA will negotiate, as long as they get something, when they know they should be getting nowt!

a read of seq's blog in my sig might be worth your while

 

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... 

 

 

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The exercise was to get some debts dealt with and paid. None of the debts were in dispute, I/we signed credit agreements and was not/am not trying to wriggle out of my responsibility to pay back money I have borrowed in any way shape or form and legally owe. None of the DCA's acted unlawfully and were actually more helpful than the companies I owed money to in the first place.

The reason I put this topic up was to show people that no matter how dire your situation (we went from earning £2400 a month to being on income support/incap benefit) if you talk to people and are not entirely unreasonable it is possible to come to an agreement that suits you and not everyone else.

Trust me i'm not in the habit of paying money I don't have to! Intrim Justicia are chasing me for a 9 year old debt (statute barred anyone) and are getting a wall of silence in return.

I just thought it would be nice to post something positive for a change.

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