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    • @honeybee13I genuinely think Boris is confused about what to do. Economic disaster v even more unexpected deaths.    I see what you mean, UB, but is it possible that dithering since September means that lockdown will be longer and cost the economy more than if there had been a two or three week circuit breaker a few weeks ago?   I'm interested to know why it's going to be on Wednesday, so quite a wait from it being known, albeit through two newspapers and not an announcement yet. France had a day or two's notice of their second lockdown.  
    • I'm trying to understand the whole story.   However it would help if you would identify the companies you have been dealing with
    • @honeybee13I genuinely think Boris is confused about what to do. Economic disaster v even more unexpected deaths.    The big problem with this virus is that many people have very mild symptoms or no symptoms at all, but can still pass on the virus to others.    And with winter bugs having some similar symptoms to CV-19, there are probably thousands in workplaces with CV-19 who just don't know they are risking others lifes.   If Government are going to lockdown the country for a period, it has to be really strict and that includes schools and Colleges.  They should have done this in a planned way around the half-term period.   
    • So you have been receiving more messages and threats??  This is what they do.   You are starting to feel nervous and worried??  That's why they do it.   Are you starting to think it might be better simply to pay???  Then it's job done.
    • From Dan Bloom on Twitter lst night.   'So in summary: Sept 21: SAGE calls for 2-3 week lockdown. PM refuses.   Oct 13: Keir Starmer calls for 2-3 week lockdown. Govt source brands him a “shameless opportunist”.   Oct 30: Government scientists say it’s now too late for a 2-3 week lockdown and it’ll have to be longer.'   And it's been announced to the Mail and the Times, not to Parliament. That's an odd way to run a country.
  • Our picks

    • 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.
       
        • 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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Hi, OH has a debt with MCS, HSBC inhouse collectors.

 

I sent a CCA about 6weeks ago and have recently received a letter from them stating sorry its taken so long blah blah but at this present point they cannot supply a CCA.

 

He was paying monthly towards the debt, but has now stopped paying them and sent a follow up to the no CCA letter.

 

My first question, should he have stopped paying them??

 

and second question should he now offer a F&F as we just want rid, its for about £1500.

 

thanks

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what is the debt pease

 

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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that tells us a lot

 

so what was consoludated into it??

 

did you reclaim first?

 

charges / PPI?

 

else your been charged int on int et etc.

 

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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As far as i remember it to consolidate his overdraft and a loan he had with them and another debt from another company, he said they call it a managed loan??

 

He sent a SAR quite a while ago and they never sent any CCA's, it was just endless reams of statements.

 

You could see the loan amount going into his account on the statements,

they also sent the default letters, and the statements from MCS showing him paying his monthly amount.

 

He did query the lack of paperwork for the loan but they said they had sent everything...

 

So eventually he sent a CCA request and they responded by saying the couldnt locate one at present.

 

Actually one of the reasons he asked for the CCA is because he remembers being told to take the PPI as it would look better on his loan application,

but without the CCA he cant see if it was added.

 

So is he right to stop payment to them? and do you think that they would accept a full and final?

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pers i'd not even offer an F&F...

 

you need to investigate this 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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who is MCS?

 

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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mercantile credit solutions?

 

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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How does he investigate, HSBC say they have sent everything and there is no CCA?

 

Should I write a letter to HSBC querying the possible PPI and see if they can produce anything?

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who did he sar? hsbc or MCS, if MCS then sar HSBC and demand all statements for all accounts they merged this will then show any ppi and charges made

PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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Managed loans - a favourite ploy of HSBC to deny the consumer their rights under the Act.. by combining overdrafts with credit cards or loans.. and then telling the consumer that it was being done for THEIR benefit !!

 

These new loans inevitably came with PPI whether it was required or not.. so best to check.

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Managed loans - a favourite ploy of HSBC to deny the consumer their rights under the Act.. by combining overdrafts with credit cards or loans.. and then telling the consumer that it was being done for THEIR benefit !!

 

These new loans inevitably came with PPI whether it was required or not.. so best to check.

 

How do i check? i have already sent a SAR and a CCA but there is no paperwork to the loan....should he go into his local branch to talk to them?

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I would simply write to MCS and state that has there is no agreement (according to the info recieved via the SAR and CCA requests) for this alledged loan and/or debt then there is nothing to pay, and until such time as an agreement is provided you will be paying nothing further and that any attempts at further attempts to collect will be viewed as harrassment and reported to the relevant authorities as such.

PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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I would simply write to MCS and state that has there is no agreement (according to the info recieved via the SAR and CCA requests) for this alledged loan and/or debt then there is nothing to pay, and until such time as an agreement is provided you will be paying nothing further and that any attempts at further attempts to collect will be viewed as harrassment and reported to the relevant authorities as such.

 

 

 

I sent the follow up letter to the failure to provide a CCA, which says much the same thing, is that ok?

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Yep thats fine, remember no agreement no debt simples

PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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