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    • thats not a credit agreement, it's a signed application form, it doesn't contain all the prescribed terms it should, and it also refs other T&C terms that are not included.   as for ever sending an SAR to a DCA, thats the same as sending a stupid AID letter, simply invites pointless letter tennis.   sit on your hands until/unless they send a letter of claim and a reply pack.   dx  
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    • My 2009 Kia Ceeds ignition broke without any warning. This happened around 2005. Luckily it was still under warranty.   It can happen any time although they should have contacted you to let you know. £350 sounds steep. 
    • Ok defence submitted. Mortimer have sent a letter back ackn my CPR request.   Weirdly Cabot got back to me ackn my CCA but have referenced the other claim for the current account instead. Didn't think you could CCA a current account claim? Fleecers must be getting their wires crossed 😂    I'll sit back and wait and keep on reading up!   As ever thank you kindly to Andy and Dx.
    • Jeff believes, like fish, chips and mushy peas, they are an integral part of this country's DNA. While Rachel argues that her 'free' account is being paid for by someone else. View the full article
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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 i am hoping someone can help me at present

i am sitting here waiting for a return visit from a

collection agent sent by Marshall Hoare Bailiffs

the agent visited earlier and left a note to say

they will be returning shortly. I contacted the

company via a contact form on their website

they have replied saying they cannot deal with

my problem via email and i must contact the

call centre which i am not wanting to do as it

will cost a fortune. This matter is relating to a

payday loan i took with speedy dosh and due

to losing my job i could not pay the full amount

i tried to offer monthly payments to no avail and

now Marshall Hoare want £600 the original loan

was £150. I have contacted oft they sent me a form

to sign so that they could look into it. I heard nothing

for a while but now this company is being threatening

and demanding. Please help

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first of all do not let any baliffe into ur home ever lock ur doors and windows and dont answer the door and take immediate advice from cccs or national debtline they will help you today .to protect your self do this now and call one of them now:-x

:violin::ban::lock1::bump::clock:
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Hi Speedy Dosh who i got the loan from have now accepted a monthly

payment plan. The loan was £150 but they are saying i have to pay £560

is this right or could i just pay the £150 and then cancel the standing order

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Firstly, the person who turned up at your door is NOT a bailiff and never will be. He has less rights to be at your house than the Postman.

 

Only you can decide what to repay these parasites, but they wouldn't get anymore than £150 + 1 months interest (So about 37.50)

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Hi thanks for replying. I did offer the original loan plus 1 months interest but they

said they couldn't reduce the amount and i had to pay monthly until the full amount

had been paid. So if i was to pay them say £188 would that be legal or would they

inform N D R / Marshall Hoare Bailiffs to chase me for the remaining balance

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Marshall hoares are not bailifs they are only a debt collector, dont pay them any more that what you borrowed plus one months interest, all their threats are nothing more than hot air ive been dealing with them for months and nothings ever happened, report all threating messages from them to the OFT

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Hi it is the actual loan company that are saying i have to pay £560

i would only pay them the amount borrowed plus 1 months interest

if i thought that N D R/Marshall Hoare wouldnt start the threatening

emails and sending doorstep agents again

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  • 2 months later...
Hi i am hoping someone can help me at present

i am sitting here waiting for a return visit from a

collection agent sent by Marshall Hoare Bailiffs

the agent visited earlier and left a note to say

they will be returning shortly. I contacted the

company via a contact form on their website

they have replied saying they cannot deal with

my problem via email and i must contact the

call centre which i am not wanting to do as it

will cost a fortune. This matter is relating to a

payday loan i took with speedy dosh and due

to losing my job i could not pay the full amount

i tried to offer monthly payments to no avail and

now Marshall Hoare want £600 the original loan

was £150. I have contacted oft they sent me a form

to sign so that they could look into it. I heard nothing

for a while but now this company is being threatening

and demanding. Please help

 

Hi

First of all,to you and everyone else in this situation my advice is:

Ignore them. This is because they trying to put pressure on you, and if you respond it means they are starting to break you down. And if you respond then this means you are going to get into a dialogue with them which means they can put more pressure on you and you will end up paying their extortionate charges. But if you totally ignore them and blank them out they will not even have the reassurance that their messages are getting to you e.g. you may have changed your number or e-mail address or moved.

If you do the above is is highly unlikely that they will ever visit you at this is very expensive - and you do not have to let them in or even talk to them - so the visit would have been a waste.

It is also highly unlikely that they would take you to court as this is also expensive and in most cases does not get them their money. Another reason they will not take you to court is that no judge is going to entertain their extortion charges and bullying.

Basically - PLAY HARD.

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  • 3 months later...

I have been pestered and threatened by Marshall Hoares Bailiffs for a while nowtoo and ignored them after reading about them online. However today I found a note posted through my door today:

 

Notice of door visit by Ground Collect on behalf of Marshall Hoares Bailiffs

 

Today you were visited instructed by Marshall Hoares Bailiffs regarding Easy Finance Loan.

 

It is ESSENTIAL YOU CONTACT US TODAY on the number below

 

Further visits are planned and this file will shortly go to your local County Court for Judgement and Enforcement.

 

We recommend you CALL NOW so we can resolve this matter.

 

We will be returning shortly

 

Agent: Mark

Agent Telephone Number: 07502108980

 

Marshall Hoares Bailiffs.

 

 

 

 

After they actually have come to my house I am scared they are going to come back again and someone will answer and take all my possessions, I live with my parents what shall I do?

 

URGENTLY HELP! x

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I have been pestered and threatened by Marshall Hoares Bailiffs for a while nowtoo and ignored them after reading about them online. However today I found a note posted through my door today:

 

Notice of door visit by Ground Collect on behalf of Marshall Hoares Bailiffs

 

Today you were visited instructed by Marshall Hoares Bailiffs regarding Easy Finance Loan.

 

It is ESSENTIAL YOU CONTACT US TODAY on the number below

 

Further visits are planned and this file will shortly go to your local County Court for Judgement and Enforcement.

 

We recommend you CALL NOW so we can resolve this matter.

 

We will be returning shortly

 

Agent: Mark

Agent Telephone Number: 07502108980

 

Marshall Hoares Bailiffs.

 

 

 

 

After they actually have come to my house I am scared they are going to come back again and someone will answer and take all my possessions, I live with my parents what shall I do?

 

URGENTLY HELP! x

 

Dont be scared they have no power what so ever to come into your house, if they turned up tell them to leave and close the door, if they dont leave ring the police and have them removed. Its just a scare tactic theyre using on you.

 

Ive always found it rather funny how they use capital letters to try and intimidate people, theyre a bunch of clowns

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I thought this too, I rang National Debtline earlier today and funny enough he knew exactly the company I was talking about and advised me to send me letters stating legal acts under the OFT. This put me at ease and told me a similar thing, to ignore them they have no legal rights. However sending these letters I still feel they will not give up and dont want my parents answering the door

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If you stand your ground they will eventually give up, if you look on my thread about speed credit, i followed all the fantastic advice on these forums and after about a year of being harrassed and not backing down speed credit eveutally knocked all the silly charges off and ndr and marshall hoares have backed off now. You've just gotta stand your ground and get a full complaint put in to the OFT, because they way they trade does not.follow the oft rules

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Toothfairy/speedcredit and whatever they want to call themselves now, will ONLY ever go near a court if they think they have the debtor in the palm of their hand, or a guaranteed judgement by default.

 

One thing is for sure, you MUST complain to the OFT. Don't say you will and then ignore it, you MUST complain.

  • Confused 1

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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