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    • Thanks both - Just did not want them to have the satisfaction of tarnishing the record even if it was for 12 months I'll wait it out - only 4 months or so to go   Thanks again
    • Thanks uncleB.    I have quite a few valid challenges which would prevent bankruptcy / return to original ownership.   Yes I am trying to sort legal help.  It's hard with limited financial resources.  Hence why I'm trying to create own defence.   I'm not sure I understand how they are legally allowed to completely gut a building whilst - I thought - under a legal obligation to sell?    They have refused to sell whilst also accruing interest and applying costs over a very long time. It's as if they deliberately racked up interest and costs to create a shortfall and grab the property via bankruptcy. The property was in good condition. Although squatters did get in. Is it a viable legal opportunity for them - without bankruptcy - to retain the property and rent it whilst simultaneously still charging the mortgagor interest?  
    • The original, and for some the best, James Bond.   Piers Morgan has just quoted George Lazenby as saying 'Sean Connery WAS James Bond, the rest of us were just imposters.'   https://www.bbc.com/news/entertainment-arts-54761824  
    • @dx100ukis right and even so - A Search doesnt reflect anything whether you were approved or decline. If youve had 1 search in the last 6 months, Then you dont need to worry  
    • god which want shooting for the stupid far reaching statement. only the OWNER of a debt can issue legal proceedings!!   IF the DCA letters say 'our client' thus they DON'T own the debt
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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?
       
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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. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
      • 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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Very sad news that the CAG Site Team Manager Martin3030 passed away today....


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I was so saddened to receive the terrible email pointing me to this thread. Sorry that Martin was only with us for such a relatively short time - he wasn't even allowed the full three score and ten - so unfair. I send my condolences to those who loved Martin. He will be missed by many but everyone who knew Martin and worked with him should be proud to have done so.

 

Rest in peace Martin.

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Goodbye to a kindred spirit. DCAs and debt buyers will shed no tears - and I can't think of a better compliment. The people whose lives he helped to transform will understand that more than most. Sleep well x

“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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I have not been active of late on the forum, it saddens the heart

my Condolences to all family and friends.

 

Dragon Keeper

:welcome::rofl::welcome:

 

 

 

 

 

[sIGPIC][/sIGPIC]

 

 

 

:tea:

 

 

 

most of my knowledge is from the school of hard knocks

 

not based on any legal background

 

As quite a lot fellow caggers state seek Legal Advice

 

 

:ranger:

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So sorry to hear the sad news, Martin helped me and countless others and for that I will be eternally grateful . His family must be so proud of him and my condolences go out to them. RIP Martin, you are in my heart & prayers.

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I am very saddened by this news, Martin was a dedicated individual who helped the ordinary people of this world to gain justice

Thank you Martinfor all the help which you have given to those people who most needed it over the years

RIP

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Very sad. His family and friends should be very proud of what he enabled others to achieve. RIP.

 

Mike

________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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So sorry to hear that such an amazing man who gave so much to struggling people like myself has passed... will be thinking of him & his family during this difficult time,

 

with all best wishes

H.xxx

That the birds of worry and care fly above your head, this you cannot change. But that they build nests in your hair, this you can prevent. --- Chinese proverb

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So sorry to hear Martin has passed away.

Although I didn't know him personally, he took the time to help others in these difficult times which is a very noble thing to do.

I offer my condolences to his family.

Martin may you rest in peace and thank you for your good heart.

 

Jason

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Sorry to hear this sad news :(

thegfb vs Natwest PPI - WON - £5.5k refunded October 2011 :-D

thegfb vs Sainsburys Bank PPI - referred to FOS 15/09/2011, WON - £2.7k refunded February 2013 :wink:

thegfb vs Capital One PPI - Complaint sent September 2012, dragging their heels :roll:

ongoing...

------------------------------------------------

Thanks for all your advice so far :D

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Absolutely heart breaking news.

 

He was a great chap helping many folks, he pointed myself and many others in the right direction.

I went all the way to court to seek compensation for "damage to creditworthiness" against HSBC. I lost unfortunately.

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Our heartfelt thoughts go out to Martins family. R.I.P Martin

:) Go on ... you know you want to click me :)

:lol:don't be like the banks - give a little back :lol:

:D There was a time before CAG but now CAG is here we are the empowered! :D

In progress:

Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06

Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

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