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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
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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 Guys.

I've been fending off Link for quite some time.

I did manage to get one CCJ attempt struck out but they still hold 2 more accounts and they are not giving up without a fight.

I had been paying to all 3 accounts until I found this site.

 

They have sent me reconstituted credit agreements for both these accounts & pre contract application forms. Both accounts were from MBNA credit cards.

 

I replied to these efforts by saying that while the reconstituted agreements may have satisfied the CCA request, they were still not enforceable in court.

 

This is their response :

 

We note from our system records that you previously disputed the exact same issue regarding the credit agreements.

We had made our position clear in our letter dated xx/xx/xx.

We confirmed that the documentation sent was regulated by the Consumer Credit Act 1974.

 

We will not enter further dialogue with you regarding the agreements as we had already issued our final response on the matter.

 

It is nonsensical that you would make payments on an account which is now disputed.

 

Please contact our office with your payment proposals to settle the outstanding balances to avoid any recovery action.

 

Interesting that they are saying that I have more or less accepted they have a valid claim as I have already made payments to them.

 

Do they have a point?

 

Could they use that in any court action?

 

Any thoughts on this matter & a possible course of action would be gratefully appreciated.

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It would depend on when the accounts were opened, if prior to April 2007 they need a copy of the actual signed agreement containing all the prescribed terms to claim in court. Any agreement opened after that date then as long as they can show you had the money then a court could enforce.

 

dpick

cannot find it A to Z

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

 

 

Halifax :D

Paid in full £2295

 

MBNA:mad: 20/03/2008 settled in full out of court

 

Capital One:D

07/07/2007 Capital one charges paid in full £1666

19/01/2008 recovered PPI £2216 + costs

 

Littlewoods :-D

12/08/2007 write off £1176.10 debt.

 

JD Williams charges refunded in full £640

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Yes you have acknowledged the debt by making paymen.

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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what does your cra file say about these debts?

 

and have you ever SAR'd the OC's ?

 

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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lots of threads on these three accounts going back to 2008

 

you really need a thread for each one however.

 

i notice reading some of the past threads

that you have had discount letters?

 

is this true?

 

list the three debts and there current state please

 

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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and they are from 2001!!

 

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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Yes, all 3 accounts were aquired by Link in 2001.

 

I don't recall if I've received discount offers from Link in the past

but if that's important I can check that out

but if I have said previously that I have then I must have done.

 

I have always grouped the 3 accounts together as that is what Link as always done.

 

I had previously been paying these accounts until I discovered this wonderful site.

That may now work against me I guess?

 

In Oct 2010 they sent me LBA's for all 3 swiftly followed by actual court action with just one of them.

 

With the help of some of the members of this site, the case was set-aside which is what Link eventually applied for after some document swapping.

 

now I am left with the 2 accounts that Link's letter is now referring to.

I've fended them off for a long time as they've always failed to satisfy my CCA request.

 

These accounts are not listed on any credit reference file & I've never SAR'd any of the accounts.

 

They recently restarted their campaign with what looks like reconstituted agreement.

 

I pointed out that they are not enforceable & now it looks like they're stepping up a gear.

 

If you need further details I will need to dig into my files at home.

 

I'm currently at work & don't finish til tomorrow morning.

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link wont send discounts

 

but other DCA's will

so who has sent discounts

 

split the debts please

call them A.B.C

 

A: account is /was

 

B:old mbna card debt now with link does not show on cra file

 

C:old mbna card debt now with link, does not show on 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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