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    • lets cut to the chase, HB,  Christmas is Cancelled,  it already is by the Wee Nippy in Scotland it seems, where she is talking of a Zoom Christmas. so record a parody Christmas song.  Zoom Christmas a parody of Bing Crosby White Christmas I might just do that today Fire up the DAW plug in the mic
    • @honeybee13I genuinely think Boris is confused about what to do. Economic disaster v even more unexpected deaths.    I see what you mean, UB, but is it possible that dithering since September means that lockdown will be longer and cost the economy more than if there had been a two or three week circuit breaker a few weeks ago?   I'm interested to know why it's going to be on Wednesday, so quite a wait from it being known, albeit through two newspapers and not an announcement yet. France had a day or two's notice of their second lockdown.  
    • I'm trying to understand the whole story.   However it would help if you would identify the companies you have been dealing with
    • @honeybee13I genuinely think Boris is confused about what to do. Economic disaster v even more unexpected deaths.    The big problem with this virus is that many people have very mild symptoms or no symptoms at all, but can still pass on the virus to others.    And with winter bugs having some similar symptoms to CV-19, there are probably thousands in workplaces with CV-19 who just don't know they are risking others lifes.   If Government are going to lockdown the country for a period, it has to be really strict and that includes schools and Colleges.  They should have done this in a planned way around the half-term period.   
    • So you have been receiving more messages and threats??  This is what they do.   You are starting to feel nervous and worried??  That's why they do it.   Are you starting to think it might be better simply to pay???  Then it's job done.
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      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.
       
        • Thanks
      • 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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Debt Managers (Services) Ltd, Edinburgh spoof Next Directory Debt.


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My wife has recently started to get correspondance from these stating that she owes xxx amount for an account with Next Directory.

 

She has never had a Next Directory or an account with them.

 

She has contacted Debt Managers Sevices on two occasions explaining this and both times they stated they would remove her from their database

and she would receive no more correspondance.

 

Guess what, the letters keep on coming, the latest from their court dept., threatening court action. Yeah right.

 

What should she do next:

  • ignore them, which I'm inclined not to as this will obviously affect her credit rating and also mine by association.
  • write to them asking for proof of account i.e. signed agreement which they will obviously be unable to provide.
  • Contact Next Directory.

We are now at a loss as to what action action to take as these numpties won't take no for an answer.

 

regards

 

Ken

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An official complaint to Debt Manager's Head office.

 

An official complaint to Next Directory, who have obviously passed your wife's details on.

 

Check both your credit records to ensure there has been no adverse reporting by either company.

 

Please tell me , on the occasion that your wife contacted Debt Manager that she did it in writing and NOT on the telephone ?

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Uploading documents to CAG ** Instructions **

 

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1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Unfortunately it was by telephone but i've told her anymore correspondance has to be in writing to them.

That's the reason I have posted on here, a

sking what our next course of action should be.

 

There should be no details of my wife to pass on,

she has never had an account with next directory.

 

In fact she has never had an account with anyone.

 

Apart from my credit card, which I use for business, and our mortgage we have no other debt.

 

We are in the fortunate position to pay most things by cash.

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Whilst it might be worth waiting on other contributors, if this were me, I would be making a complaint.

 

You could refer to the fact that having already telephoned on 2 occasions and being told this was now dealt with. You are still receiving these letters/calls.

 

The only thing I would caution would be signing anything - Print or digitally sign any correspondence.

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

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Whilst it might be worth waiting on other contributors, if this were me, I would be making a complaint.

 

You could refer to the fact that having already telephoned on 2 occasions and being told this was now dealt with. You are still receiving these letters/calls.

 

The only thing I would caution would be signing anything - Print or digitally sign any correspondence.

 

Thanks. I understand that bit in bold also.

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I'm with CitizenB - bang in a complaint addressed to their Compliance Manager:

 

Dear Sirs

 

I refer to your demands for payment, and to my telephone calls to your office dated xxxx and xxxx.

 

When I telephoned, I made clear that I have never had an account with Next Directory, and consequently cannot be liable for the debt you refer to. On each occasion I have telephoned, your staff have assured me that my details would be removed from your database, and no further collection activity would take place.

 

Despite this, you have continued to send demands for payment which are causing me anxiety and distress.

 

You are to treat this letter as a formal complaint. I consider that as well as clear breaches of the Office of Fair Trading's Guidance on debt Collection, which states that pursuing an individual when it is not certain they are the debtor is an unfair practice, your actions in continuing to send demands for money I do not owe amount to harassment.

 

I now require you to send me a copy of your complaint procedure without delay, together with your response to my complaint. By way of resolution, I require the following:

 

1. a written apology

 

2. confirmation that all collection activity will cease, and an undertaking that no further demands for money will be made

 

3. confirmation that my details have been expunged from your databases, and that you will cease processing my data

 

4. your proposals for compensating me for the anxiety and distress caused by your harassment, and the time I have had to take to try to resolve the issue

 

If I do not have a satisfactory response within ten days from the date of this letter, I will take further action.

 

Yours etc.

  • Haha 1
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Thanks for the help. I will get that letter off to them tomorrow and see what happens. I will be checking our credit files in the meantime.

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yes make sure the CRA file is clean

 

have you moved in recent years?

 

dx

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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are all you old addresses showing on the CRa file?

 

also I wonder if this might be fraud?

mail [say offers] went to her name at the old address

and someone took advantage of it.

 

dx

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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Fraud is a distinct possibility. We had all our mail redirected for 6 months until we could inform everyone but you get that much junk mail nowadays it's a possibility that the junk started again at the old address. We still get junk for persons who we purchased this house from.

Have just checked my CRA file and everything appears to be in order.

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  • 1 month later...

Should I request a copy of the original credit agreement from Next Directory as it obviously won't be my wifes signature on it.

This has now been passed to Russel and Aitken Solicitors of edinburgh, but I suspect that may be part of Debt Managers Services.

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  • 3 weeks later...

Hi there sorry for hijacking thread my hubby just had a letter from Debt Mangers (Services) ltd of Edinburgh saying we are attempting to contact you regarding a personal matter, to verify please call?

Yeah yeah yeah as if we will call?

Should i bin it,file it or send them something back via unsigned letter? advice/template please

 

Many thanks

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Kena, is there an update for your thread, please ?

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

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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TLCX, unless they are prepared to say why they want you to call, then IMHO, you should ignore. These phishing letters are a nuisance. I would also suggest you start a thread of your own :)

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

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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