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      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.
       
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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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Cabot - a continuing saga monument 'debt'


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Had a credit card with monument from 2003,

i had a change of personal circumstances in 2005 and couldn't afford it anymore,

 

cabot soon took over, and have been resilient in there pursuit of me,

 

i firstly agreed to pay, £70 a montfh,

they kept phoned and asking for me,

 

2007 i changed jobs to a better paid one and up it to £80,

 

they then changed the direct debit and up'd it by £8 to £88 a month without telling me,

so i put in an indemnity claim under the DD gurantee, which they never disputed.

 

i then SAR'd Monument, included the card number and my old address where i took the card out,

they sent a reply back stating 'there are no accounts for the named customer at the address provided.'

 

so i CCA'd CAbot and they lo-and behold, found t&c's and a 'reply card' that i've filled in with my details and a signature (although a poor copy)

and it looks like they've overwritten the pen to emphasise, so it looks like a 5 yr old has filled it in and signed it)

and a letter, of course stating that now we've done our bit, pay up!

 

i made a payment in January of 2011,

i get a response stating ' thank you for your recent payment, however, there is no agreed repayment plan currently in place, so i haven't bothered.

 

they've been phoning me for the past 11 months.

 

i spoke to them once and said 'stop phoning me and put everytihng in writing.

 

which they haven't bothered to until i receive an email today!

(yes they've had my email address for years!!)

 

and it states - accoriding to our records you currently owe £xxxx.xx (which is double what it was in January!?!)

even though we have made repeated attempts to obtain commitment to repay this debt.

it's now vital to blah blah blah if you don't contact us blah blah we will have to move your accounts to the next stage of our collections process.

 

So not only have they decided to contact me by email

- they doubled the amount owed, even though they haven't informed of assignment of the debt,

they never informed me that was incurring interest,

and i'm baffled as they told me in January there isn't an agreed repayment plan in place.

 

Any suggestions?

 

the CCA they sent me contained about 10 pages, with no letters of assignment

just a basic T&C's and a page and a half of computer printout with payments on.

 

Let me what i can do with these idiots, they don't seem to know there a*rse from there elbows!

 

Merry Christmas all! :)

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does this debt show 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... 

 

 

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check it.

 

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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bet none of that money you ever paid crapbot ever went off the debt

 

i bet theres been a period od 6yrs with no contact

and it went SB'ed and in 2011 these little diddlers tried it on.

 

one less debt anyhow

merry xmas from CAG.

 

you've more money now!

 

i'd even look at reclaiming the PPI

cause i BET you had their 'stealth' PPI [payment break plan

 

got all the statements?

 

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... 

 

 

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yeah there was an extended period of 'no contact' don't know if it was 6 years, but considering Monument can't find anything with my name on, and cabot dug out a flimsy T&C's photocopy, and the fact there is absolutely nothing on my credit file relating to this debt, then that is fine!, just annoyed at the 2+ phone calls i'm getting on my mobile everyday, they're even starting to use the local West Malling number in another act of desperation HA!!

 

i went to monument for a claim for late fees and others and got back nearly £650 that was last year. might see what i can do with this. As for statements, Cabot have never bothered, and i don't know how many i still have from Monument, i'll have to go in the loft and dig 'em out!

 

Merry christmas to you, and all caggers! :)

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yes i'm just revisiting a monument a/c for 2007, but they only refunded 50% of charges & PPI and no int

gonna get the rest from them

 

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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  • 6 months later...

Quick update as it's been many months

- i still get 2 calls a day from all 5 of cabots numbers (yes the log on my phone has so far recorded 5 different numbers)

 

i told them ages ago, i'm only dealing with them by letter

- see my previous posts as to whats happened thus far

 

- well today i receive a letter from FIRE (ooooOOOOHH) considering these are one in the same, it's still cabot.

 

They (Cabot or Monument) still do not feature anywhere on my credit file apart from 2 previous searches.

but no agreements

 

- do i send FIRE a prove it letter

 

- what do i do now?

 

as i've said previously it's all a bit flimsy, but this is the first time they've 'ahem' escalated things (if you can call it that and not just sending it to a different desk!)

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If they've not taken you to court in all the years they have this then they know they have a lead weight in a swimming pool, it just aint gonna float in court.

 

Personally I'd just file under "Ignore till something better comes along" :lol:

 

Might want to change your mobile number tho and not give it to any financial institution's :)

 

S.

Are You as Anonymous on CAG as You Think You Are? *Link*

 

The CAG is a free help site,should you be offered help that requires payment,please report it to site team.

 

Deal with your debts:

STEP ONE - Dont Panic! | STEP TWO - Priority & Non Priority Debts | STEP THREE - Personal Budget Sheet | STEP FOUR - A SAFE bank Account | STEP FIVE - Dealing with Priority Debts | STEP SIX - Non-priority Debts | STEP SEVEN - Non-Priority Debt-Repayment Opt1 | STEP EIGHT - Non-Priority Debt-Repayment Opt2 | STEP NINE - Perils of Consolidation | STEP TEN - RE-Evaluate Frequently

 

***** SERIOUSLY IN DEBT, DONT KNOW WHAT TO DO, TRY NationalDebtLine's MoneySteps *****

 

 

IMPORTANT: Please take my advice in the spirit it is given and on the basis that I am expressing my opinion, These opinions are not endorsed by CAG in anyway and are offered informally without prejudice or warranty of any kind. These opinions are solely based upon the knowledge I've gained from this fantastic site and life in general. I have NO legal training.

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Thanks Shadow - you'd think if they had anything to work with - i'd be in front of a DJ pretty darn quick but no! i'll file this away - i'm sure FIRE will post more threat-o-grams soon. - and you're right about my number - not sure why i gave it out! :)

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Thanks Shadow - you'd think if they had anything to work with - i'd be in front of a DJ pretty darn quick but no! i'll file this away - i'm sure FIRE will post more threat-o-grams soon. - and you're right about my number - not sure why i gave it out! :)

 

yep a lesson I learnt myself long ago but never repeated :lol:

 

S.

Are You as Anonymous on CAG as You Think You Are? *Link*

 

The CAG is a free help site,should you be offered help that requires payment,please report it to site team.

 

Deal with your debts:

STEP ONE - Dont Panic! | STEP TWO - Priority & Non Priority Debts | STEP THREE - Personal Budget Sheet | STEP FOUR - A SAFE bank Account | STEP FIVE - Dealing with Priority Debts | STEP SIX - Non-priority Debts | STEP SEVEN - Non-Priority Debt-Repayment Opt1 | STEP EIGHT - Non-Priority Debt-Repayment Opt2 | STEP NINE - Perils of Consolidation | STEP TEN - RE-Evaluate Frequently

 

***** SERIOUSLY IN DEBT, DONT KNOW WHAT TO DO, TRY NationalDebtLine's MoneySteps *****

 

 

IMPORTANT: Please take my advice in the spirit it is given and on the basis that I am expressing my opinion, These opinions are not endorsed by CAG in anyway and are offered informally without prejudice or warranty of any kind. These opinions are solely based upon the knowledge I've gained from this fantastic site and life in general. I have NO legal training.

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  • 6 months later...

New update

- it's been sooooo loooong....and i kept getting phone calls every day, until December

 

- Quantam were passed this 'debt'

 

- Quantam have enjoyed putting there technology to work on my mobile,

and can't even be bothered to speak to me with a human!!

 

get a corny american voice message asking me to call them

- when i ignored this i get a letter from Wright Hassell (yes they are!! :) ) threatening to get my credit file

- (Go on then...there's nothing on relating to the debt, to Cabot or anything, i checked last week).

Got to laugh at these numpties, they have taken to phoning me now.

 

Shall i let this slide.

....they've got nothing

- there's nothing on my credit file, no defaults or CCJ's

- any advice would be welcome

- just to ease my curiosity more than anything

 

Thanks Caggers!!

Edited by citizenB
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both lowlifes expecting an easy spoof.

 

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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  • 2 years later...

NEW UPDATE!

 

 

today i got a phone call from Wright Hassell Solictors - i picked it up stupidly as i'm awaiting a call about a job,

woman says they've been trying to contact me, regarding Cabot,

i says to her prove it, go back to Cabot and ask them for proof, as i've just read what i previously posted,

there's no agreement set up, and i still don't see them on my credit report (which apparently is 28 points off a 'good' score, which i've nvever had before )

 

 

they'll come back empty handed, and i'm just wondering what they'll try and pull next,

 

 

i've asked this woman from WH to put everything in writing and she's going to email their 'first' letter,

 

 

but Cabot have always had my email address and sent one threat-o-gram waaaaay back in 2011 - me thinks Crapbot, and Wright Hussle,

have their fishing rods out again! let me know your thoughts!

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why would someone from a firm of solicitors phone rather than write?

 

just say that you don't discuss financial & legal things over the phone ask for whatever they want to say in writing

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They've apparently been writing to an old address, but i've made no secret of where i am now, i'm on the Electoral Roll at my new place, and the published one at that! i've asked that everything be put in writing - and given them an email address......

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then you'd better make sure they have you new one.

officially.

 

 

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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They may send any Court action to your old address and get a Judgement by default, so make sure that you get all the mail.

If I have been of any help, please click on my star and leave a note to let me know, thank you.

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Ah good old Wright Hassell. I saw them off with mention of a dodgy default notice which they said they couldn't find and returned it to Cabot...Inow being dealt with by Marlin....on and on it goes, from pillar to post!

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