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    • Every day and every week of delay is causing large numbers of deaths.   I just found this about Sir David King, ex-government scientific advisor and chair in Independent Sage. He thinks government inaction is tantamount to criminal.   https://www.lbc.co.uk/radio/presenters/eddie-mair/former-chief-scientific-adviser-government-criminal-mistake-covid/
    • Apologies HB. Thanks for moving.   Thanks Emmzzi, just what I was looking for. That helps a lot.
    • Please monitor this thread for a reply later today
    • Plans for the Mitsubishi SpaceJet have been frozen due to budget cuts amid the virus downturn. View the full article
    • your right to reject has not been affected. at the very least you now have moved into the 6 months period where under the Consumer Rights Act you are entitled to give a single opportunity to repair after which you are entitled to reject the vehicle. maybe it will be a good idea to provide them with a letter to make  clear your position and what will happen if the whole matter isn't completely sorted out.   If that appeals to you then you might like to draft a letter and post it here and we can have a look. I think it's a good idea to state your position clearly so that nobody is in any doubt.   in terms of your part exchange vehicle, if you reject your new car then they will be obliged to refund you the entire asking price of it. In other words they will be obliged to substitute a money value for your old vehicle.   it might be worth stating that as well in your letter for clarity. I would suggest that in the intervening time it would be worth making a list of all the losses that you have suffered as a result of this situation and then if it looks like a worthwhile figure then we can help you claim it back            
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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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      • 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!
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Moving Abroad with numerous debts, what can dca's really do ... Freeze Bank Accounts?


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A "Third Party Debt Order" replaced the garnishee order but they will still need to have obtained a CCJ which you have defaulted on.

 

A "Third Party Debt Order" can be obtained by any creditor & they do not have to have an association with your bank.

 

This is most often used to ring-fence your bank account -- the order instructs your bank or building society to act as the third party here with the aim of using your funds to pay off your creditors. During this process you won’t be able to withdraw money from your account without permission. This method of debt recovery cannot, however, be used on a joint account unless all parties listed on the account are responsible for the debt in question.

 

This process can involve having your account(s) frozen for a period of time until a court decides whether to pay the money to your creditor. The judge here will be looking to see whether you have made all your order/judgement payments. If you haven’t met your commitments here then they may well approve the Third Party Debt Order to release your funds to your creditor.

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.

 

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Are you sure you're not thinking of a bank offsetting between a/cs?

 

If that's the case a bank can take money from one a/c to pay a debt owed by another if it's within the same group.

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

 

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Hi Cerberusalert

 

Definately not an account set off. I was asking as I was about to sell up and move to SE Asia. I have equity in the property which I intend to use to set up home with my wife but was a little worried that some of my creditors would try and grab a Third Party Debt Order, but as yet none of them have a CCJ.

 

Thankfully I am still going to pay via the DMP I have set up.

 

Many thanks for putting my mind to rest.

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Hi Cerberusalert

 

Definately not an account set off. I was asking as I was about to sell up and move to SE Asia. I have equity in the property which I intend to use to set up home with my wife but was a little worried that some of my creditors would try and grab a Third Party Debt Order, but as yet none of them have a CCJ.

 

Thankfully I am still going to pay via the DMP I have set up.

 

Many thanks for putting my mind to rest.

 

Can you have any profit from the sale paid to either your overseas account or if you have one an account outside the banking group?

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  • 1 month later...

Hi all

 

Had some great help so far from everyone on the forum but need a little more advice to a really simple question

 

Lowells Portfolio have purchased my debt and Fredp***cksons are still the collecting agent. Who should I request the CCA from Lowells, Fredp***cksons or both

 

Many thanks for your valuable time

Edited by Queens_king
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whoever is asking for money

 

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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  • 11 months later...

Hi

 

 

I emigrated to SE Asia in May 2013

 

 

I looked up my Credit File with Noddle and found that they are using my old address even though the creditors are using my new address.

 

As it stands if one of the creditors wanted to issue a county court claim would they be able to issue against my old UK address and gain a default judgement??

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Hi

 

 

I emigrated to SE Asia in May 2013

 

 

I looked up my Credit File with Noddle and found that they are using my old address even though the creditors are using my new address.

 

As it stands if one of the creditors wanted to issue a county court claim would they be able to issue against my old UK address and gain a default judgement??

 

They could .

 

Equally , you could then get any such CCJ set aside .

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Note: Noddle uses 2nd hand data passed to it from its parent company call credit and is often not up to date.

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!

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  • 7 months later...
Hi

 

Living in South East Asia. I require my Credit File.

 

Can I obtain this on line or do I need to send by very snail mail

 

Thanks in advance.

You will have to write to the Data Controller of the Credit Reference Agencies in the UK, Experian, Equifax and Call Credit are the main agencies.

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:

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  • 5 months later...

Im quite new here and I hope I can get answers.I just checked my bank account ,I discovered two payments where taken and one was for a fee of £51 the other was for 3RD PARTY DEBT ORDER

Now Im surprised as I don't know of any debt I owe, this money came out as debit on 17/02/2015/ however someone made payments to 21/02/2015 and I was able to withdraw this money(£200).Im yet to contact my Bank as at work still.my question would be, where they not meant to be any sort of correspondence to me just to let me know what was going on?can they keep taking same ammount from my account? would they have to apply for this 3rd party debt order every now and then? can a 3rd party debt order be made for just £50 plus fees?how can I stop this?I will be very greatful for any help before I do something rely stupid financially.

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  • dx100uk changed the title to Moving Abroad with numerous debts, what can dca's really do ... Freeze Bank Accounts?
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