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    • Jeff believes, like fish, chips and mushy peas, they are an integral part of this country's DNA. While Rachel argues that her 'free' account is being paid for by someone else. View the full article
    • https://www.dailymail.co.uk/news/article-8900129/Boris-Johnson-facing-Tory-revolt-new-lockdown-Furious-MPs-lead-backlash.html
    • I'm very sorry but this is very scant information and it certainly doesn't lay out the story in the way that I asked. Also there is absolutely no reason why you shouldn't identify the courier. as long as you are straight dealing and honest then it is better to bring things out in the open. we don't play secret squirrel here or get into any skulduggery. we are very pleased to help you and support you but you will have to lay things out in the open so can we can fully understand and provide us with the information that we have asked for  
    • Thank you BankFodder for the feedback and learning; here is the chronology which encapsulates the 'story'.  All parcels listed below were never delivered (for no apparent reason - the reason stated on the messages I received was that 'customer has no knowledge of purchases' ) by the courier who I'm cautious not to name in case there are legal implications for me personally. This matter is now in the Court system. I would be grateful if you could please confirm that you have seen the defence. Chronology Retailer Date goods ordered Date goods collected from retailer & promised for delivery by xxxxxx Comments / Breach of contract Holland & Barrett 23/09/2019 27/09/2019 Parcels not delivered – returned to H&B Debenhams 27/09/19 07/10/2019 Parcels not delivered - returned to Debenhams Holland & Barrett (re-order) 01/10/2019 07/10/2019 Parcels not delivered – returned to H&B Debenhams 29/09/2019 01/10/2019 Parcel not delivered - returned to Debenhams Debenhams 29/09/2019 01/10/2019 Parcel not delivered - returned to Debenhams Debenhams (re-order) 01/10/2019 07/10/2019 Parcel not delivered - returned to Debenhams
    • If you want to save us all a lot of time, you can tell us the whole story in a chronology without too much narrative including who you are dealing with. We really can't say if you have missed a trick until you lay it all out.   In terms of not wanting to bother us, - very noble, but it is less of a bother if you come to us first so that we can help you to get it right first go  
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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.
      • 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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I was fined in the magistrates court for unpaid car tax. I received a fine of £600 (I didn't attend court). As soon as I received the fine, I wrote to the court asking to pay in installments.

I didn't hear back so paid my monthly offered amount. I then received a letter from excel baliffs stating they were going to execute a distress warrant.....

I researched this and found a distress warrant can only be issued if means testing had taken place (which it clearly hasn't).


I then wrote back to the court stating this and to excel to inform them I would be contacting the court. All I got back from the court is a letter saying deal with the baliffs and a copy of a letter about payments which I didn't receive.


I have now had 2 baliff letters through my door...and also a letter from a company called M3PR - specialist enforcement removal specialists, who claim excel have told them to attend and remove goods. The baliff left a letter yesterday saying goods will be removed tomorrow.


Fees of £300 have also been added,so my £540 outstanding amount is now £840.


On Monday I will have the £540 and was intending to pay the court direct, but am now worried sick baliffs will appear tomorrow to take goods.


What should I do?


Apologies for the long first post too

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Get down to the court and find out what they are up to. Following your letter, you should have been asked to attend the court for a means hearing. If you have never had the payments agreed, then the court would proceed, with bailiffs employed.


Only way of resolving is to attend the court.

We could do with some help from you.



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If you want advice on your thread please PM me a link to your thread

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It is almsot certainly the case that if you had not received a response to your letter that you should have called the court. Also, did you receive a Further Steps Notice and was before the warrant had been sent to Excel ?


You have said that you did not attend court. However, did you receive the summons and did you return the form to indicate whather you wished to plead guilty or not guilty?


Did you send the Means Enquiry Form back to the court?

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I didn't receive a means enquiry form. I don't know what a further steps notice is, so will look at my paperwork.

And I received a summons but did not send anything to the court regarding how I wanted to plead.

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With the summons you should have also received a Means Form.


If you read the thread that I started regarding TV Licensing you will see that I constantly keep urging the public to not ignore a summons and the reasons why.


Unfortunately, in your case, as you had failed to respond to plead either guilty or not guilty the court in imposing a sentence had not been able to take an "early mitigation" into consideration and furthermore, you should find as well that instead of 3 penalty points being imposed you have very likely had 6 penalty points against your driving licence. It is worth checking.


How much did you offer the court and how much have you paid so far?


In quite a few cases debtors are able to file a Statutory Declaration and the effect of this will be to "rewind" the proceedings.


However....a word of warning......a stat dec will normally only be accepted in cases where such an application is made within 21 days of "becoming aware" of the fine !!!


Can you post back...

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I have had no penalty points. I got a fine, nothing else.


I will be paying the outstanding amount of £540 on monday, I have paid £60 so far.


I just want to stop the baliff, who in mind shouldn't be calling anyway.


I will pay the remaining fine direct to the court and not the baliff. I have no intention of paying the baliff fees

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Oops sorry....I had not taken on board the fact that this is to do with unpaid car tax.


I really would strongly suggest that you call the court and explain the fact that you had written to them. Have you tried doing this?


Also, you need to state as well that you had not received a Further Steps Notice.

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