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    • what time do you have to go in today? I am wondering whether it might not be a good idea to go in with the letter of claim and if there is any mucking around them to hand it to them.   We would have to draft something appropriate.   in any event I think you should prepare an sar and take it with you and hand it to them make sure that they realise what it is. Hand it to a senior manager.   Use our sar template here.   I think that they are starting to lead you around by the nose and I think that you should take control and make sure that they realise but there is only a short time before it goes legal. A letter of claim would be the best thing to do in addition to the sar     
    • The bank is yet to say if it will shed more jobs beyond the 35,000 it flagged earlier this year. View the full article
    • The bank is yet to say if it will shed more jobs beyond the 35,000 it flagged earlier this year. View the full article
    • go back and read what andyorch said in my above links about a DEED of assignment NOT being a Notice Of Assignment. its a general document for a portfolio of MANY debts they bought on a spreadsheet, NOT specifically relating to YOUR Agreement. but your was like all others, a single line in a spreadsheet.    the sheriff has specifically asked for the NOA and the Default Notice ...neither of which the fleecers have provided, merly a load of ole twaddle like trump does to divert attention away from those NOT being provided.   forget the stuff about LOP 1925 etc that a NOE is NOT applicable in scotland , the sheriff has asked for it..end of!!   bedtime reading particularly regarding default notice sec 87 https://www.consumeractiongroup.co.uk/forum/showthread.php?484300-Cabot-nolans-SPC-Claim-Old-Next-CAT-Debt(2-Viewing)-nbsp&p=5119630#post5119630   read from about post 70.   as for the written submission. i'll find an example later.   dx      
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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 all, I took the step of bankruptcy on the 2nd April 2013, it was a painless and straightforward process, well except the build up.

 

I had been in debt for 14 years since I was 19, my total at bankruptcy was 51k unsecured, thanks to consolidating various loans and credit cards over the years. It's a long story but if anyone wants to know am glad to share, I didn't have anything to show for it.

 

I went to Croydon court and all I can say is that the staff were amazing, I arrived just before 1000hrs, the counter opened, my forms were checked, paid my money and was sent to the next floor to wait to see a judge, I had a short wait of about an hour whilst other cases were heard, my name was called, the door was opened for me and I entered a large room, there sat the judge, in a shirt and tie, I said "Good Morning Sir," sat down, the judge the. Said how much debt are you in, I said "51000 sir", "have you sought legal and correct advice," "yes sir I have, "then I will sign the form, have a good day," "thank you sir" and that was it less than 30 seconds and my life had changed.

 

As all of you know it's the letters, the calls, the weight of the world on your shoulders each day, trying to live a normal life but you can't.

 

For anyone who is worried about declaring yourself bankrupt, ask yourself could it be any worse than living with debt, I am not a criminal, I am an honest man who has worked all of my life, I made wrong financial decisions when I was young and have tried to pay that back, but struggled, family and friends have been amazing, these forums helped put my mind at ease, but I was so worried about the bankruptcy, I was scared and an emotional wreck.

 

When I was 17 and a half I joined the army, I spent 8 years as an infantry soldier, since leaving I have been a manager to large teams, worked in some amazing companies but all that time living in fear of my debt and being found out, after all if you can't manage your own finances how can you manage others, at some point I became disconnected and 2 people lived in me, I ignored stress in case I was found out to be a weak manager.

 

Bankruptcy was a thing to be feared, a last resort and shame, since being made bankrupt 22 days ago, my life has improved dramatically, I called all my loan companies and politely told them I was bankrupt, they were polite back and thanked me for informing them.

 

The guilt, shame, burden and stress was lifted from me when I went bankrupt. I now have to learn to budget, not waste money not borrow any either, my credit record is bad for 6 years, but my family and friends and especially my partner has helped me and supported me, it's tough for them, still have the OR telephone interview to go, but at least I can smile again.

 

These forums helped me, please read them and continue to support them.

 

I am more than happy to answer questions on my circumstances, choices as can say I have been there and done it, loans, credit cards, consolidation, debt companies, CCCS, pay plan, payday loans (why!!!!!!!) and worst of all I stole money from mine and my girlfriends savings account, I dug a hole so deep I had almost hit rock bottom.....

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Hi WM and welcome to CAG

 

I've moved your post into your own thread.

 

Thank you for sharing your experience here.

 

I wish you all the best for your (already improving) future.

 

:-D

We could do with some help from you

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Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

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  • 2 weeks later...

Hi all,

 

Had my official reciever meeting this morning, the guy was polite and very easy to talk to, he went through my I&E and said that as I had a surplus how would £325 a month sound, compared to CCCS who wanted £800 a month I was rather happy.

 

The OR told me to forget about the past and the mistakes I had made and move on with life.

 

Well 11months to go and 3 years of repayments and will be free!!!!

 

Remember in those darkest moments of debt hell there is life after!

 

I chose bankruptcy as I had no other choice, it's been emotional and a hard process but I am still alive and no longer carry a great big ball and chain with me.

 

Feel free to get in touch if you need help or advice.

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Hi WM and thanks for the update.

 

:-)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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  • 1 month later...

Really nice take on life wastedmoney, I have thought many times about it, my lodger has just gone bankrupt and it seemed so painless. Have about 90k of debt, secured loan and credit cards and loans etc. I am just waiting for First Plus to raise there head and ask for there 45k back and then I shall go. In rented accom no assets so again what can they have. Probably left with same as you so as you said, three years and it's over. I will look you up on site if I need advice

[sIGPIC][/sIGPIC]Happyhippy1959

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