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    • I think it would be helpful if you would pull all the documents that you have and which you think you are going to rely on together. Read our advice about organising your court bundle – and set about preparing it. Don't include too much material. Only material that you think you're going to rely upon. I think you will need to obtain a copy of the regulations which made it unlawful for the venue to hold the function. Obviously one of the documents you are going to include is the letter that you have received on the wedding venue  
    • Thank you BankFodder as soon as i receive any further documents I will post up immediately   Thank you I am sorry for any confusion and the posts earlier
    • Ah, this is where they have been redirected - to allow people who can still afford it to travel abroad .. especially Hong Kong - a clear priority for the health and safety of the British Public and their children.   https://uk.reuters.com/article/uk-health-coronavirus-britain-heathrow/outbound-covid-testing-launched-at-heathrow-to-unlock-routes-idUKKBN2751I4   Do note its outward bound testing ...
    • Okay. I seem to remember having seen this in a previous post of yours that they refused mediation. In that case, I think the thing to do now is to wait until you hear from the court – and probably the next thing that will happen is that a hearing date will be set – which may well be a telephone hearing – and you will be asked to provide documents that you are going to rely upon. When that happens we will prepare a reply to the defence which will show that you are claiming third party rights and that the defendant is consenting – and that on that basis as they haven't defended on any other issue, they are accepting that the contract has been frustrated. Along with any other documents you supply to the court before the hearing will be a copy of the letter that you have received where they clearly don't raise any objections. I think this puts you in a very strong position
    • Its just a copy of their Notice of Assignment and acknowledgment that you have acknowledged service...defence next.   Andy
  • Our picks

    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
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    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
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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.
       
        • 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!
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Aktiv Kapital chasing 7yrs old Sainsbury 'bank debt'


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gather the evidence 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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  • 5 months later...

then there must be charges or PPI to reclaim?

 

who was the org creditor?

 

did you ever SAR 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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Share on other sites
then there must be charges or PPI to reclaim?

 

who was the org creditor?

 

did you ever SAR them?

 

dx

 

The original Creditor was Sainsburys Bank. I've not SAR'd them yet. It's quite old now, do you think it would be worth it?

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poss

but as its prob SB

they've offered discounts

 

it might be better to leave things be

 

unless you think you took out PPI?

 

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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Share on other sites
poss

but as its prob SB

they've offered discounts

 

it might be better to leave things be

 

unless you think you took out PPI? dx

 

I don't remember any PPI on it, no. I agree, it is SB in my eyes as I have never paid anything to it since about 2004. I keep telling them it's SB, but they made up a fictitious payment last year, which I'm 100% sure I never made. Why would I when I told them a year earlier it was SB? The industry really is rotton to the core :evil:

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