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    • The Chinese-owned app is tying up with Shopify to create video ads and hiring thousands of engineers. View the full article
    • Hi Everyone, hope you are all keeping well in this strange new era.   On the 17th Sept, my friend booked a delivery to send a parcel to the USA, a vintage sewing machine. The collection and delivery was booked through MyParcelDeliver.Com, and UPS was the chosen courier. They collected it about four days later.   He paid for additional insurance along with the transportation of the item, to the tune of £128.75.   He packaged the parcel very well, packed with bubble wrap and paper and also styrofoam so that the sewing machine was safe in the box. He placed some plastic wrap over this, and he then sealed the box with tape. He videoed this for the buyer, so she could see how well he had packed the item because they were both concerned about the package being well protected.   The item arrived in the USA a few days later. The buyer instantly notified my friend that the parcel packaging was damaged, showing stress from water and general mishandling, and the item was also damaged in various parts, mainly the casing and the base.   He complained to MyParcelDelivery.Com on the1st October, they responded with 'You need to contact UPS...', which he did and also the buyer contacted them and got a response on the 2nd October.   UPS informed the buyer they would like to come and take a look at the packaging and the item, and this is the last she heard from them, she has called them several times, and always they say someone will call tomorrow and no one calls. She called my friend to ask if he could call them too and chase them up, he is Italian, and though he speaks English generally well, he asked me to talk with them on his behalf because he felt they were not listening to him or that he was missing something.   I spoke with them on the 26th October, they said they had sent my friend an email about this, we checked all of his emails, junk/spam too. There is nothing in there, I asked them to resend it, but nothing has appeared despite them saying they have sent it, we know they have the correct email address because they sent a message on the 2nd confirming they are looking into the claim of a damaged package, they also said they were planning on calling the seller 'again' on the 27th, which of course never happened, which she confirmed with me on the evening of the 27th.   Now it would seem to me that MyParcelDelivery is trying to say it has nothing to do with them, despite the booking being made through them, UPS US are pretending they are doing something but have so far done nothing, and we have heard Zilch from UPS UK.   I would like, if possible, some guidance on how to go about getting this resolved because this is just not right, the agent/courier have had their money, but the seller and buyer have been the victims of poor service and damaged goods.   If anyone could point us in the right direction on how to tackle this and get some redress for this, then I would be most grateful.   Thanks and kind regards   Mr B                 pox.pdf
    • From December, NS&I is phasing out posting warrants - a type of cheque - to winners. It instead wants bondholders to provide bank details so it can pay the money into their account. View the full article
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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.
       
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      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. 
       
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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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Good Morning,

I have been paying a debt,by DD,to the above cretins for 18months.

 

They stopped taking the DD payments three months ago,

and now I have had a letter from them stating they have passed the case to their solicitors for further action as I have broken the agreement by non payment.

 

The outstanding debt is £888

 

Any advice would be appreciated.

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Hi Fallback,

 

First of all, please log onto your online banking system or go into your local branch and fully cancel the Direct Debit, DCA's have been known in the past to use this facility to empty bank accounts, only ever pay by setting up a standing order, that way you are in complete control, that rule also applies to your debit/credit cards as well, never give these to any DCA.

 

Onto the debt...

 

What debt are HFO chasing? Bank Account / Loan / Credit Card?

 

When was the debt taken out?

 

When was the debt defaulted?

 

Has their been a clear period of 6 years (5 years in Scotland) that no payment or written acknowledgment has been made?

 

Is the debt listed on your Credit Reference Files?

 

Who owns the debt? HFO or are HFO collecting on behalf of the Original Creditor?

 

As to the letters, they are just mainly threatograms, is the wording MAY, IF or Will?

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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Hi Fallback,

 

First of all, please log onto your online banking system or go into your local branch and fully cancel the Direct Debit, DCA's have been known in the past to use this facility to empty bank accounts, only ever pay by setting up a standing order, that way you are in complete control, that rule also applies to your debit/credit cards as well, never give these to any DCA.

 

Onto the debt...

 

What debt are HFO chasing? Bank Account / Loan / Credit Card?

 

When was the debt taken out?

 

When was the debt defaulted?

 

Has their been a clear period of 6 years (5 years in Scotland) that no payment or written acknowledgment has been made? Payments have been made for 18 months,they stopped taking them 3 months ago

 

Is the debt listed on your Credit Reference Files?.N o the debt is not listed on any credit file.

 

Who owns the debt? HFO or are HFO collecting on behalf of the Original Creditor?

 

As to the letters, they are just mainly threatograms, is the wording MAY, IF or Will?

 

Stigman

 

Answered two questions,will have to get the papers out to answer others.

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Morning

 

More info needed please

At your Service

 

Please Double click the Star and leave a message if I have helped you

 

Please support CAG and they will support you.

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Morning

 

More info needed please

 

I have been paying the debt for 18 months.HFO suddenly stopped taking payments three months ago.Letter received from HFO telling me I had broken the payment agreement and any further contact about the debt should be through their solicitors.I never contacted HFO when the stopped taking payments three months ago.

 

I have not broken any agreed payment, they stopped taking the DD.

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Hi again

 

Who was the original account with?

 

Which HFO company from what address has actually written to you? Can you scan and post any correspondence with your personal details removed?

At your Service

 

Please Double click the Star and leave a message if I have helped you

 

Please support CAG and they will support you.

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Check with your bank you need to know if HFO actually tried to collect on the DD if they did not then you have a perfect stance for challenging the ''non payment.

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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Haven't heard anything from HFO on this forum n a while.... any update?

 

OFT still minded to refuse/revoke their licences, HFOC, current licence expires on 26/3/2013 and Roxburghe expires 4/3/2013, HFO Services expired Sept 2009.

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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Haven't heard anything from HFO on this forum n a while.... any update?

 

There was a couple of claims in Sept which came to CAG, HFO discontinued both when challenged.......

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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Oooh, a juicy one...

“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

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  • 2 weeks later...
A direct debit with a DCA is a mistake!

 

The account I use never has any large amounts of cash in it.I use it for online purchases and load it up when needed,so there is no chance of a DCA raiding it at anytime.:-)

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