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    • Apologies if this rambles slightly I feel a little brain dead after yesterday    I just want to know if I'm being unreasonable in one of my points (holding them responsible for costs to possibly damaged engine if I can get an engineer report)    Basically broke down in a layby on the a43, steam from bonnet high engine temps   RAC arrives declares it a minor leak and tops up then says OK to continue (4 miles to services) then recheck and says fine to drive home   30 miles later large amount of steam from engine and lose power, get it to hard shoulder   Next rac chap arrives and says it blowing like that may have damaged engine as it now doesn't start, says it will need a crane truck as 4wd and auto says priority job as 3 children on hardshoulder in the rain (1 in wheelchair)    3 hours later, I've chased rac twice and been rung by highways agency twice (who have also complained to rac)    Tow truck arrives (flat bed) advise them we were told it needs crane and drive says its OK it will run, after cranking engine for over 5 mins drives it onto truck pouring fluid out the bottom   I can't help but feel that him cranking engine that much when pouring fluid is likely to have done alot of damage as well as being told to continue on a leaking engine    
    • Thank you. I’ll sit on my hands, for now! 
    • 29 Farage Garages? or Just the latest of many Johnsons Follies?     "New photos show how the county nicknamed the Garden of England may soon be more accurately described as the nation’s lorry park – thanks to Brexit preparations. The images show the full jaw-dropping magnitude of a scheme (one of 29 such) which will see 27 acres of Kent’s green fields ripped up and concreted over to create a sprawling 2,000-vehicle holding facility for trucks crossing the Channel."   https://www.independent.co.uk/news/uk/home-news/brexit-news-uk-kent-lorry-park-channel-crossing-b1278893.html   From comments: They promised us the easiest deal in history. Frictionless trade. And better jobs for the "forgotten". This is what we get. ... lorry dumps and portaloos that come to symbolize this incompetent callous government.
    • Top paediatricians have written an open letter to government about children going hungry and supporting Marcus Rashford's campaign.   https://www.theguardian.com/society/2020/oct/24/open-letter-from-uk-paediatricians-about-free-school-meals
    • It's not worth appealing because ECP won't listen, unfortunately, plus you can give the impression that if they lean on you, you'll pay them money when you don't need to. The only time we normally advise writing to them is if you get a Letter Before Claim/Action.   Best to say nothing for now and if you do get a LBC, we'll help you to draft something. Have a read around some other parking threads and you'll get an idea of how these people operate.
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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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Hi everyone , I have a problem , I had an issue with a loan from Barclays , 5 figure sum , I missed a few of the agreed repayments and the debt has now been passed to BCW , of whom I know nothing about . I have received numerous calls which I have not answered and also numerous txt messages . I have emailed them with the same repayment offer I had with Barclays but have had no reply . I have had a bad year , divorce , ill health etc , although I know this is no excuse , but things got on top and I just didn't pay Barclays . Im not sure what to do ? can anyone advise please ? many thanks .

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Hi everyone , I have a problem , I had an issue with a loan from Barclays , 5 figure sum , I missed a few of the agreed repayments and the debt has now been passed to BCW , of whom I know nothing about . I have received numerous calls which I have not answered and also numerous txt messages . I have emailed them with the same repayment offer I had with Barclays but have had no reply . I have had a bad year , divorce , ill health etc , although I know this is no excuse , but things got on top and I just didn't pay Barclays . Im not sure what to do ? can anyone advise please ? many thanks .

 

You don't have to deal with BCW, they're acting under an agent assignment and do not hold any rights or duties to the debt. Request to deal with Barclays only (send Barclays an income and expenditure sheet, with your proposals for payment which you can afford and can maintain).

 

BCW can do nothing except send you stupid template letters threatening to walk away with your door step. Ignore them and deal directly with Barclays.

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What does the letter from Barclays actually say.

 

BCW do buy debt portfolios so they could now be the owner of the debt.

 

Your credit file may also help identify who owns the debt.

 

Is there any PPI on the account that you could reclaim?

 

Are there any unlawful penalty charges on the account which you could reclaim?

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Hi , letter from Barclays says the responsibility for collecting the debt owing has been transferred to BCW Group Ltd , and that Barclays will no longer accept any communication from me and the debt must be paid in full .

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Was a letter also included from BCW stating that they now own the debt?

 

If not you should receive one soon but mainly they come in the same envelope.

 

As advised above, you need to check your credit file to now see who fully owns this debt.

 

Also, do not speak to BCW on the telephone, keep everything in writing.

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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Hi , no , letters came separately , I haven't spoken to BCW , and have blocked any dubious numbers related to them , I have emailed BCW twice , offering the same repayment as I paid to Barclays , but as yet have received no reply , im just worried to death that they will come and take stuff , car , furniture etc , really stressing !

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im just worried to death that they will come and take stuff , car , furniture etc , really stressing !

 

NEVER be worried over a DCA, they ARE NOT Bailiffs !!!!

 

You are offering payment, do not be pressured into making anything other than you can comfortably afford, pay only via standing order so you are in control, never give out your card number or set up a direct debit as your account can be emptied pretty quickly.

 

Keep a full record of everything.

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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Hi , should I just wait for there email reply ? I feel I wont get one ! seems as though they just want verbal recorded ?

 

Has your email got a delivered facility so you know for sure it has been received and read?

 

If not, write to them once again telling them that you are going to pay xx.xx amount every calender month, can they please send you their standing order details so you can set this up, make sure that you never set up a direct debit facility or via card as this gives them control to empty your account at their own free will mainly through a computer error but they will not refund and do not care if you starve or go with no electric or gas over Christmas or New Year.

 

Before doing this, you do need to check your credit files to make sure that BCW are the full owners of the account.

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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Hi , ill check that , I offered to pay via one of there options , PAYPOINT , which gives me a cash option , should I just start making payments ? how do I check my credit files ? thanks for your help by the way !

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To check your credit files, the two main ones are Experian and Equifax, they both offer 30 calender days free trial but remember to cancel beforehand or else your card will be debited up to £14.99.

You can also do this via post, download the application forms off of their websites, print off fill out and include either a £2 cheque or postal order and you will receive your credit file in paper format via post.

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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should I just start making payments ?

 

I should hold off until you know full well that BCW are the new owners and have the full legal rights to the debt has well has any money that you are willing to pay.

Your credit file will be updated with the new owners name if it has been sold on by Barclays and bought by BCW.

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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Thanks very much , I will look into it , do you think its worth even trying to contact Barclays ?

 

No reason why not, at least they can confirm that the debt has been sold.

 

Barclay's may not be able to tell you who they sold it to but at least you know the status.

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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do I have to give them this information ?

 

Hi,

No you do not have to supply your personal financial details, the only person who can do this is a Judge.

All BCW will do with the information is manipulate the figures to exert pressure on you to pay more than you can afford.

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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Ill reply by email and stand my ground then I think ?

 

Deffo stand your ground on it, email back saying you can afford the offer of xx.xx and this still stands.

The income and expenditure as well as all of your financial details are private and will remain so.

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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Is there any PPI on the account that you could reclaim?

Are there any unlawful penalty charges on the account which you could reclaim?

 

Notsure, IMS21 posted this in post #4 that you either missed or forgot to reply to.

This could reduce the debt significantly and also because the debt is now sold, any reclaim now comes to you directly.

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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