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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
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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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My husband received a letter saying that he had a ccj back in may that we didn't know about.

 

We don't dispute the debt, we have had a lot of difficulties recently and have other ccj's that we pay £1 a month to.

 

If we had received the court notice we would have asked to pay the debt in installments like our other debts.

I can only assume the court letter went to our old address (we left 5 years ago)

where we were when the debt first became a problem.

 

However the creditors, dca and solicitors etc have been communicating to us at our current address.

 

Yesterday an HCEO left a note while we were out stating intention to seize goods.

It is one of the ones that starts TAKE FORMAL NOTICE.

 

We have until 3rd september to find £3000+ which is obviously impossible.

 

I have been looking into submitting a N244 form and have spent all last night and today researching and stressing.

 

We have children aged 8 and 3 and we really don't want to be locking all the doors and windows,

plus explaining to the children why we are ignoring the doorbell but I guess needs must.

So far the HCEO hasn't come back.

 

I have a couple of questions if anyone could help.

 

1. Is the HCEO likely to come back before 3rd Sept?

2. Can they take my car if the CCJ is for my husband (car is in my name)?

3. If we go down the N244 application what do I put on it, and can we take it to a local court?

Does it have to be a high court?

4. I looked up the bailiff on the register linked on here but could not find the name,

though did find the company (high court enforcement group) Is the register accurate?

5. I have found the ccj court reference on my husbands credit report

but is this what I would refer to on any applications etc as I don't have any reference details for the writ of fifa etc?

6. Clutching at straws but is it possible this is just a scare tactic and they actually have a writ of fifa?

 

Thanks in advance

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Get a set aside application into the court fast. You also need to Inform the hceo that you are doing so.

 

The bailiff is ordered by the court to get payment and they wont stop until the court tells them.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

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Get a set aside application into the court fast. You also need to Inform the hceo that you are doing so.

 

The bailiff is ordered by the court to get payment and they wont stop until the court tells them.

 

Thank you. I looked at that but it talks about filing a defense. We don't want to defend as we are willing to pay in installments (as much as we can afford). I guess I can put that on the form instead? Which court do I take it to? Thanks.

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Thank you. I looked at that but it talks about filing a defense. We don't want to defend as we are willing to pay in installments (as much as we can afford). I guess I can put that on the form instead? Which court do I take it to? Thanks.

 

You do the set aside on the basis the claim was sent to the wrong addess. You then have a chance of being able to agree instalments and don't have to pay the excessive fees the HCEO will want.

 

The set aside is not to argue the issues of the claim in this instance. It is so you are not stitched up by having an HCEO taking your goods away to sell.

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Check trustonline to see if the CCJ shows at the old address. There is a small fee for this.

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Yes the Baliff will return.

No he can't take the car, but move well away from the property.

NO it is not a scare tactic.

 

What company has applied for the enforcement i.e. the creditor??

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Regardless of the paperwork going to a wrong address the SetAside would fail as the OP is admitting the debt and does not have the means to pay so would therefore be swapping one CCj for another.

 

There are howebver 2 further applications that can be made:

1 - Stay of Execution - this may be applied for and if successful will halt all further HCEO action & charges although charges to date may stand. Applied for again on N244. Look this up and I will be back later to help if need be. Cost of application is £80.

2 - Variation Order - topay in instalments. Use N245 easy to fill in. Cost of application £40/£45.

 

If on certain Benefits or low wage use Forms Ex160a & EX160c for Fee Remission.

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Check trustonline to see if the CCJ shows at the old address. There is a small fee for this.

 

It does appear at the old address.

 

The creditor is the owner of an industrial unit we rented. We left because it was in a terrible state - holes in roof etc. We were originally going to contest the debt but then heard nothing for years and kind of forgot about it amongst all our other debts. We are hoping to go bankrupt in the near future when we have raised the fees!

 

I will have a look at stay of execution. Could we do that as well as a set aside? We don't care about getting another ccj as long as we can pay in installments until the time we can go bankrupt.

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I will have a look at stay of execution. Could we do that as well as a set aside? We don't care about getting another ccj as long as we can pay in installments until the time we can go bankrupt.

 

As you accept you owe the debt then a Set Aside would be refused. You would need more than just the paperwork was sent to an old address - such as you did not owe all or some of the debt claimed, making a counterclaim etc.

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As you accept you owe the debt then a Set Aside would be refused. You would need more than just the paperwork was sent to an old address - such as you did not owe all or some of the debt claimed, making a counterclaim etc.

 

OK thanks. I'm still not sure which court to go to - our local one or northampton?

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The N245 for a Variation Order must be returned to the Court where the original CCJ was granted. I'll come back to the N244 for a Stay when I get home this evening.

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As you accept you owe the debt then a Set Aside would be refused. You would need more than just the paperwork was sent to an old address - such as you did not owe all or some of the debt claimed, making a counterclaim etc.

 

What happens with the HCEO fees, if a variation order is agreed ? Had the claim form been received at the correct address, it would have been possible to read the POC and perhaps there may have been good reasons for a defence to be offered. I think it might be a bit silly to accept the CCJ, without considering this a bit more. Personally I think it might be worth doing the set aside, with reasons for the defence. e.g the claimants rented unit was in a terrible state, this fact was drawn to their attention on numerous occasions without any remedial work being completed.

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What happens with the HCEO fees, if a variation order is agreed ? Had the claim form been received at the correct address, it would have been possible to read the POC and perhaps there may have been good reasons for a defence to be offered. I think it might be a bit silly to accept the CCJ, without considering this a bit more. Personally I think it might be worth doing the set aside, with reasons for the defence. e.g the claimants rented unit was in a terrible state, this fact was drawn to their attention on numerous occasions without any remedial work being completed.

 

In some respects you may be correct however the Judge will look at facts of the debt and the condition of the unit will not be taken into consideration - unless of course the OP went into this without seeing the unit first & I won't make any comment on that if they did so.Witholding rent due pending repairs being carried out is a no no, that was a matter for discussion between the OP and the owner or LL. The POC will no doubt state that the OP agreed to rent a unit for a set sum and did not pay, the answer being a simple yes or no.

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The N245 for a Variation Order must be returned to the Court where the original CCJ was granted. I'll come back to the N244 for a Stay when I get home this evening.

 

Thank you so much!

 

I don't think the letter had a form number on it (I am not at home but husband sent me a photo of the letter) is that relevant? There is also info on the reference number or anything for the writ of fifa?

 

Is the bailiff not being on the register insignificant? Thank you everyone for your replies and help

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In some respects you may be correct however the Judge will look at facts of the debt and the condition of the unit will not be taken into consideration - unless of course the OP went into this without seeing the unit first & I won't make any comment on that if they did so.Witholding rent due pending repairs being carried out is a no no, that was a matter for discussion between the OP and the owner or LL. The POC will no doubt state that the OP agreed to rent a unit for a set sum and did not pay, the answer being a simple yes or no.

 

My husband rented the unit knowing the poor state (he was desperate it's a long story) He kept asking for repairs and then left the unit whilst still owing rent, so he would have no defence. We know he is in the wrong but we had no choice at the time as our house had just been repossessed and we were in a big mess. Hence his admission to the debt and willing to pay something towards it.

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I don't think the letter had a form number on it (I am not at home but husband sent me a photo of the letter) is that relevant? There is also info on the reference number or anything for the writ of fifa? You should have been left a Form 55, this should contain quite a lot of info including the County Court it was transferred from, the CCJ No, the Writ No & who the Authorised HCEO - a different person from who attended usually.

 

Is the bailiff not being on the register insignificant? You are not dealing with a Bailiff like you would for Council Tax. An Authorised HCEO may employ anyone he likes to visit you on his behalf, whilst a lot are actually Certificated Bailiffs many are not and there is no list available for these people. There is a list of Authorised HCEO's which can be found on the HCEOA website but there are only about 70 or so of these if memory serves me right. Thank you everyone for your replies and help

 

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You say you have other CCJ's, have any of these had enforcement by either the County Court Bailiff or HCEO? Have you had any goods seized either in this instance or previouusly? If so have you been left a Notice of Seizure? Have you actually met the latest Enforcement Officer or did he just post a letter? If a letter was just posted was it by hand or via Royal Mail?

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You say you have other CCJ's, have any of these had enforcement by either the County Court Bailiff or HCEO? Have you had any goods seized either in this instance or previouusly? If so have you been left a Notice of Seizure? Have you actually met the latest Enforcement Officer or did he just post a letter? If a letter was just posted was it by hand or via Royal Mail?

 

None of our other ccj's have been enforced by bailiffs or hceo and we have never had any of our goods seized. We did many many years ago have a bailiff visit for unpaid business rates. They did a walking possession order but we paid the rates the next day.

 

the hceo came while we were out so we didn't see him or her. I assume the letter was hand delivered but didn't see it as my husband hid it so I didn't get upset. I then came to my mums for the weekend (still away now) and he rang me about the letter. I'm awaiting his reply on whether or not it was hand delivered. The letter does not say form 55. There is the ccj reference number on it and another longer ref number but no mention of a writ reference number. It does say which court it was transferred from. There is the name of who visited and another name.

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Hi bob. Please edit out the reference numbers and other personal details.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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Hi bob. Please edit out the reference numbers and other personal details.
Done, thanks

 

 

My husband has confirmed that the letter was hand delivered.

 

I've read somewhere that the N244 might have to go to the original court. We live in Derby, does anyone know if it's likely we can do it at Derby court?

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None of our other ccj's have been enforced by bailiffs or hceo and we have never had any of our goods seized. We did many many years ago have a bailiff visit for unpaid business rates. They did a walking possession order but we paid the rates the next day.

 

the hceo came while we were out so we didn't see him or her. I assume the letter was hand delivered but didn't see it as my husband hid it so I didn't get upset. I then came to my mums for the weekend (still away now) and he rang me about the letter. I'm awaiting his reply on whether or not it was hand delivered. The letter does not say form 55. There is the ccj reference number on it and another longer ref number but no mention of a writ reference number. It does say which court it was transferred from. There is the name of who visited and another name.

 

This is the letter

 

Attachment has been unapproved, All personal information needs to be edited out please, this includes bailiff names and phone numbers. Once you have done this the attachment will be reapproved.

 

Thank you

 

seamanarts

 

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Attachment has been unapproved, All personal information needs to be edited out please, this includes bailiff names and phone numbers. Once you have done this the attachment will be reapproved.

 

Thank you

 

seamanarts

 

Site Team

 

Ok sorry will do that now.

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