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.
       
      • 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

Threats from 1st Crud/LCS


Please note that this topic has not had any new posts for the last 1818 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

Hi all

 

,Have been paying off a loan debt to 1st Crud every month for the past 4 years.

 

Have had letters from them in the past offering discounts if I pay off the debt

and even letters from them thanking me for making regular payments.

 

Now, suddenly, I'm getting threatening letters from LCS Solicitors

telling me I have to pay the full amount within 9 days or they will take it to Court!!

 

As I'm a pensioner living on £67 per week they are lucky to have been receiving anything.

 

Can I have suggestions as to my next step please.

 

Do I ignore the letter or write back??

 

Kind regards

 

Chickenlegs

Link to post
Share on other sites

Hmm, wonder what rattled their cage?

 

I doubt very much in the circumstances that they would get much joy from litigation against you.

 

Just one question, do you own your own home ?

 

Do not under any circumstances, telephone them :)

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

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

This, to me, is harassment. You are paying them, they threaten to set the hounds on you. NOT ON-Complain

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Link to post
Share on other sites

Hi citizenB and Silverfox1961, thanks for your quick replies! To answer your question citizenB - yes I own my home jointly with my husband. Who should I complain to silverfox and what should I say?regards,Chickenlegs

Link to post
Share on other sites

Your complaint should be heading 1st Cruds way.

 

I would be saying that as you are a pensioner on a limited income and that they should know this, that to set their tame legal bods on to you is tantamount to harassment. You have been paying quite happily for the past few years and suddenly to get this type of letter is very stressful to you. If you have disabilities/illnesses you could use that too.

 

Don't suppose there are any charges on the loan that you could reclaim? PPI?

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Link to post
Share on other sites

you say you have had discount letters

 

something smells here

 

check this debt shows on your cra file

 

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
  • 2 months later...

Hi all, To update you all on this.............

 

..I wrote to 1st Credit telling them the situation,

that I am a pensioner living on a miserable State Pension,

have health problems and that their letters aren't helping my stress levels!!

 

I have now had a reply saying they

"require medical evidence regarding your condition(s) from a Consultant, GP or healthcare professional".

 

My initial response was to tell them to p.... off but that doesn't help my stress levels either!

 

Come on guys, suggestions please???

 

Kind regardsChickenlegs

Link to post
Share on other sites

please can you check your CRA file to see if this debt shows.

 

they are NOT OR NEVER

are entitled to know ANY of your medical history

neither

are they entitled to see ANY of your pers financial details.

 

no DCA has ANY LEGAL POWERS to demand ANYTHING

let alone MONEY.

 

dx

 

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

dx100uk thanks so much for your reply -

 

however, I have never ever checked my CRA and quite honestly, I don't want to.

 

I've read over the years of the caggers who have done so and these dcas come out of the woodwork suddenly.

 

We both have a lot of debt and at the moment, fingers crossed, only this dca is being awkward

 

- I couldn't take the rest of them joining in too!!

 

Hope you understand.

 

If you have any suggestions as to a letter in reply I will certainly do that though.

 

Kind regards

Chickenlegs

Link to post
Share on other sites

old wives tale.

 

they already know where you are from voters and mobiles phone accounts etc.

 

up to you.

 

if you want to keep paying a debt that they have NO LEGAL RIGHT to collect on.

 

if its SB'ed then you owe NOTHING

i bet it was SB'ed before they spoofed you into starting to pay it again

 

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

Hi dx,

it wouldn't be sb'd because I've been paying it continuously for the past 4 years, every month.

 

This is why I'm so aggrieved to have got a threatening letter from them

and then this further letter asking for proof of my bad health.

 

You know, I think I'll just very politely tell them to p....... off!! K

 

ind regards Chickenlegs

Link to post
Share on other sites

just because you have paid,

it could have been SB'ed BEFORE you started paying them.

 

or the money you have been paying them has NOT gone off the debt but to THEIR POCKET

 

so the clock has been ticking since your LAST payment to the OC, who wrote the debt off years ago.

 

hence the discount letters

 

there are only ever two reasons for that letter

 

the debt is SB'ed and they want to get as much money out of you before you find out you've been cash cowed.

or

its all PPI or penalty/no paperwork exists.

 

get your cra file and check it shows

 

bet it doesn't!!

 

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
  • 3 years later...

Hi all,

 

Have been paying 1st Credit for years on a Sainsburys Bank credit card debt!

 

 

Earlier this year I had a letter from Sainsburys Bank admitting to overcharging me in 2007 on this account

and notifying me that they were contacting 1st Credit and crediting my account with the amount overcharged.

 

Two weeks ago I received an annual statement from 1st Credit and guess what!!

no mention of the credit from Sainsbury Bank on it.

 

 

I immediately wrote to them requesting an updated annual statement showing the missing information.

Nothing!! no response from them at all!

 

 

So what's my next move folks??

 

 

I feel inclined to write again to them saying I will not pay another penny off the debt until they send me a correct updated annual statement.

 

 

Any suggestions???

rgds Chickenlegs

Link to post
Share on other sites

If they sold the debt, I'm pretty sure that they cant offset... Dont hold me to that though.

 

Well its your choice what you want to do. Id write to Sainbury's asking if it was paid to 1st Credit.

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

Link to post
Share on other sites
If they sold the debt, I'm pretty sure that they cant offset... Dont hold me to that though.

 

Well its your choice what you want to do. Id write to Sainbury's asking if it was paid to 1st Credit.

 

 

I think you will find they can offset as when the account was assigned all rights and duties go with it, including any liabilities

 

1st Crud will now be the creditor

 

Jones v. Link Financial

Edited by obiter dictum
Link to post
Share on other sites

Thanks for your replies folks. Offset???? Surely not!!! I can't believe that although I'm struggling to pay off this debt, they can simply 'offset' anything else paid against the account! But SB's letter clearly says that as the account is still open they will send the payment to 1st Credit for it to be credited to the account!! I think, as you suggest fkofilee, the first thing I must do is write to SB.

 

 

rgds CL

Link to post
Share on other sites

about time you sent all these DCA's you are blindly paying a CCA request.

 

 

as pointed out last time

 

 

I bet they are unenforceable

esp as your had discount letters

 

 

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

Well you never came back

You prob could have stopped paying years ago

 

Is this a loan or a credit card ??

 

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
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...