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    • Perhaps if you posted detail of this loan with history and who is threatening who with what ?   Andy
    • you have ofcourse sent them an SAR and put them to strict proof they have data of the old historic debt?   they cannot add anything historic without written proof!!   dx  
    • Rewrite a fresh particularised particulars of claim given that the court has ordered this.....lay it out as per the defendants statement format. You will have to submit an application notice N244 to change the defendants name....the fee will be £100.   Post a copy here of your intended particulars before submitting...you will have to conclude it with a statement of truth as you will be submitting it manually.Did the court give a date that this must be complied with ?   Andy
    • Not sure why the court hasn't got that 1st statement but the whole thing was a mishap anyway as the 1st call i had the judge had the wrong case.
    • I'm confused?   Are your posts from yesterday (concerning a claim against a national courier) connected with this thread (you suing a relative for non-payment of a loan) or something entirely different?   (I know you were criticised before for starting a new thread when you should just have continued the existing thread - suing your relative - but if this suing a national courier is entirely unrelated it ought to be a new thread.  You don't explain why it is a continuation of the existing thread.  Maybe it is, but you don't explain why...)
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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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Does this card from Power2Contact break DPA regs?

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Apologies if the answer to my question is elsewhere on this site - I have looked and, while there are indications that P2C have broken the rules, I want to be certain before I take things further.


I arrived home after a few weeks away to find two cards had been put through my door from P2C. Neither card was in an envelope and both have my full name handwritten on them.


One of the cards contains the following (the bits I've highlighted in boldblue were handwritten):


We called today to make contact with you regarding your _Natwest account, Ref: xxxx Debt Officer.


This is followed by a request to call a mobile number "within the next 24 hours to avoid any further action".


Just wondering whether the fact the card contains my name, along with indication I am in debt with Natwest is breaking DPA/OFT (or any other) rules?


I've been in touch with Natwest and they've confirmed that they sent P2C around as I haven't responded to letters they've sent about one of my accounts (I have an authorised overdraft on this account, but haven't made a credit to it for a while so they've classed it as being dormant).


While I'm in a position to credit my account and make this all go away, the heavy-handedness of Natwest has really riled me - I've complained to Natwest but they've basically told me to go away as it was my fault for not crediting my account.


Any advice on whether I've got grounds to lodge a complaint with OFT greatly received. I'd also happily take my gripe with Natwest further if there are grounds for doing so.



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Yes it does break the DPA, as they don't know whether this information could be seen by a third party. For all they know you could be living with an axe murderer who hates people in debt and is currently in the shed sharpening their favourite axe.


For the ICO to deal with a complaint, you would I believe have to send a complaint to P2P and give them a chance to answer it. If they failed to do so properly, then you can involve the ICO. The trouble is that while you are complaining, they will want to contact you regarding the debt.


As for NatWest they are entitled to make contact with your regarding the conduct of the account and in my opinion a complaint would be difficult, unless you can find real reasons for it.

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Was there any likelyhood of a third party seeing the cards?

Your first point of ''complaint'' MUST be to NatWest as they are responsible entirely for the actions of their agent P2C, a formal complaint to the director of retail banking, copied to thr compliance manager at P2C is the way forward.#

The Regulatory bodies will expect you to have exhausted the ''complaints procedures'' of the bank and P2C before registering a complain with them.

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well whatever you do


never pay a doorstepper!!



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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These ''debt officers'' have no authority to question you/demand payment or any thing else, should you by chance get another visit ''invite'' them to leave and state you will only deal with the bank in writting.

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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you will also find that a credit of some amount must be paid into the overdrawn account every 30 or 40 days , you can take it streight back out again but there must be a credit made to the account


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You can make a complaint to the OFT without having first contacted or complained to the company.

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