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    • If you want to save us all a lot of time, you can tell us the whole story in a chronology without too much narrative including who you are dealing with. We really can't say if you have missed a trick until you lay it all out.   In terms of not wanting to bother us, - very noble, but it is less of a bother if you come to us first so that we can help you to get it right first go  
    • I'm gutted - I always wanted to meet him - he most certainly was the ONLY Bond.  By all accounts he was a lovely man.
    • Boris 'the Liar' speech translated   'Some months ago we told you you had to stay at home to protect the NHS, and you understood that our decimation of NHS funding meant that all other NHS work had to stop, and its resourses were severely limited. Now I'm sure some foolish people thought that was to allow time for the underfunding and the under staffing of the NHS to be reversed. But clearly, as the majority of you did as requested, and suffered and died quietly at home and in homes to a level we could barely believe, clearly it meant that the money we might have been forced to spend on the NHS could be retargetted to our mates like serco - so of course we did.   Now 6 months on, with the NHS staff exhausted and at breaking point,  our pals simply cant be expected to actually deliver on the ridiculous claims, we are simply trying the same scam again on you idiots to free up even more debt generated money to route to our pals tax haven bank accounts which your children, childrens children unto the 7th generation can pay back.   So, with PPE money allocated to companies we chose who clearly needed the money, and debt at record levels I'm sure you will all realise that again everyone else must not mingle, and must stay at home wherever possible, so the children can go and mingle in schools in full sized classes and allow the virus to spread there and get back to you smart arse plebs locked in at home who have managed to avoid it so far. and I'm sure you will all understand its absolutely crucial that neither you or your family -  especially children - should waste essential resources and apply for tests until you are showing clear covid symptoms and we know you have it.   Thank you suckers. Bojo  
    • I'll guess you've heard of these on here before - laptopsdirect.co.uk
    • Don't worry about it.  It's just that it makes it easier for people to understand and to try to give you advice if you keep everything related to one topic in a single thread, so everything is in one place and not scattered around.  But if you have a new or unrelated topic, it needs it's own new thread, otherwise people get confused and can't separate one topic from another.   Does your question about the courier need a separate thread, or is it part of the unpaid loan to your relative issue?   Whoops!!!  Sorry - I see there is a new thread.  Teach me to read before I post!
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    • 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
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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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Hi everyone,

 

I really need some help well a couple of days ago I received a whole load of letters from Lowell Financial in regards to Dollar Financial whom are trading as The Money Shop. Around about 2010 I did have a loan with TMS. I was working at the time but became unemployed and I couldn't afford to repay them so came to an arrangement to pay obviously I got the usual threatograms in the post and then heard nothing off them until last month when they have said that the arrears balance was £0.00 this was from Castlebridge Credit Management Services (Inhouse debt collectors). I also emailed them as well to clarify this and they replied back saying I owe nothing (So from my assumption the debt had be written off). Well lo and behold Lowlife Financial have since been sold the debt on and have said that I owe them £305.00 they have also obtained a copy of my credit file from experian and have also slapped me with a default I haven't got any paperwork from TMS to say they were going to be issuing me with a default. My question is where do I go from here I have cca'd Lowell and also sent the letter template in regards to the default documentation, but can they legally chase me for a debt that has been written off? they also ring me on my mobile phone several times a day as well and harass me by letter saying if I dont solve the problem they'll be trying to obtain a CCJ. Could anybody help me please I would be most grateful thank you

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Who has placed the default Money Shop or Lowell?

When was your last payment made and what date

is on the default?

Get checking your credit files as well.

The debt has NOT been written off the account in total

has been sold to Lowell for a few pence in the pound and

now they chase the wwhole amount.

Tell Lowell that the debt is in dispute not default notice

issued and no CCA produced.

If they do phone clearly state inwritting only and hang up.

Get the inrmation I have asked for and we will go from there.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Thank you BRIGADIER2JCS I am waiting to hear from Lowell to see who the put default on. I am just waiting on experian to get back to me in regards to my credit report so once I have the information I'll take it from there once again thanks again BRIGADIER2JCS :D x

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