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    • Update on this for you:   Quick reminder, I wrote to Ford Finance for the SAR, and I also wrote to Link (again) requesting a breakdown of the alleged debt and how it was calculated. I have since had two identical letters from Link at the beginning of October just saying I owe them £628.83, but nothing addressing the alleged debt calculation/explanation whatsoever.   At the same time as the above letters, I also contacted Experian to refute the default on my credit record that Link had placed there. Experian have emailed to say they contacted Link and have had no response from them within 28 days regarding this, so Experian have suppressed this information from my report.   The SAR reply from Ford Finance has arrived. The £628.83 charge shows on the SAR comprising as "£14.99 D/Charge" (whatever that is), and "XS mileage £612.84", apparently worked out pro-rata.   As ever, any advice or comments most gratefully received as to how to proceed.   Thanks.    
    • Ok, so I would just ignore demands from ARC for now.   See what they do over the next few weeks and keep us posted ...........
    • click create in the top red banner   dx  
    • ok but that doesn't give us dates.....  
    • DD cancelled roughly a month after they stopped taking payment. Last used the gym a day before they closed. Used it almost daily. 
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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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The only 'recent' change is to make sure your request contains the following:

 

If you intend to send a reconstituted copy of the CCA you must declare the reason why it has been reconstituted and if the original exists and in what form (microfiche) etc.

 

As far as I know anyway!

Every journey begins with a single step :):)

 

Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

 

If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You

 

The only person entitled to your Personal Finance details is a Judge not a DCA

 

Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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  • 2 weeks later...

Didn’t know you cared about him – are you compiling your Christmas card list?

 

His lovely company was struck off about a month ago.

“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

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Saw him recently and took this sneaky pic.

 

1010489269a3242812687b105078953l.jpg

 

(Think he's bitter about internet information sites like CAG). :wink:

As of 03/03/12 please do not under any circumstances wait for my further input or guidance on any current thread or defence of a court claim I might have been involved in on or through Cag.

Jasper1965

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  • 1 month later...

Why Why Why?

 

Dear Mr W

 

This is a notice about your unpaid acc which is in our hands to collect.

ACT NOW

Call us today pay by debit/cc.

TELL US

You must tell us if you cant pay in full-we will help if we can by agreeing a payment method.

TAKE NOTICE

If you fail or neglect to pay this acct, further action blah blah.

WE CAN HELP

Call us if you need help or advice-WE WILL DO OUR BEST TO HELP YOU

 

Collections Manager.

.......................................................................................................................................................

 

It is over 2 yr since the cca request and the acc in dispute letters,

 

Why dont they send me a reconstituted version?

 

Mr

Regards..Mr Worried :)

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Robbers Way & help....lol...pmsl!!!

 

Fire off a CCA letter to them, don't sign it & send recorded delivery & wait 14 days.

 

One thing I have learnt with this shower of ****, is that they are full of garbage & will reem out all sorts of meaningless threats!

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Write back in the same vein like this

 

ACT NOW

Please consult the statute books and check up what you have to do once an alleged debt is in dispute If in doubt consult a qualified legal practitioner.

 

TELL US

I have already told you - IN DISPUTE

 

TAKE NOTICE

IN DISPUTE - please seek legal advice as to what this means.

 

WE CAN HELP

Stop chasing this IN DISPUTE alleged debt.

 

That should do the trick, especially if you cc in Trading Standards, Office of Fair Trading and your local MP....

 

I wonder if Hayley Felton still works for them?

Edited by sillygirl1
Put Statute Barred instead of In Dispute although might be appropriate to put that anyway!
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  • 4 weeks later...

Update Update

 

Got a letter today from this bunch of mobsters.

 

Dear Mr W

 

With regards to your previous letter to us on xxx to which you informed us that the acc was in dispute.

PLEASE CALL US AND EXPLAIN THE REASONS WHY YOU DISPUTE YOUR LIABILITY FOR PAYMENT

It would also help if you could supply us with any supporting docs that will help us resolve your dispute.

Acc on hold for 14 days blah blah.

 

Yours etc

 

Robs n Whey

.........................................................................................................................

Go on then cagers try to reply without falling from your cosy chair, spilling your chablis, or running down the street screaming with laughter.

 

I feel a sillygirl response.

 

Mr W

Regards..Mr Worried :)

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Did you send the CCA request to the creditor or this bunch?

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

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17 Port & Maritime Regiment RCT

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Dear Robbersway,

Thank you for your letter dated dd/mm/yyyy the contents of which have been laughed at sent to the OFT&TS, and noted.

I would like to continue this very pointless game of letter tennis you enjoy so much, but I feel I am not as puerile as you.

Don't be at all offended if I fail to communicate with such an immature and uneducated outfit such as yours, but I feel that as you do not have the ability to read, let alone understand the contents of my letters, it is a very futile exercise, until at least you leave school with a modicum grasp of the English language.

This letter is valid even if not read by you, failure to reply within 72 hours of yesterdays date will result in your doorstep being taken, and a debt investigation officer investigating our somewhat spurious claims that their is a debt needing investigating.

I will also inform credit agencies as to your immature pathetic failure to parallel park, not to mention make beans on toast, this could affect your ability to obtain a partner for the next six years.

 

Asta La vista baby, see you in class on Monday!

  • Haha 1

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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obtain a partner for the next six years. Ha Ha Ha love it.

 

 

 

 

 

Dear Robbersway,

Thank you for your letter dated dd/mm/yyyy the contents of which have been laughed at sent to the OFT&TS, and noted.

I would like to continue this very pointless game of letter tennis you enjoy so much, but I feel I am not as puerile as you.

Don't be at all offended if I fail to communicate with such an immature and uneducated outfit such as yours, but I feel that as you do not have the ability to read, let alone understand the contents of my letters, it is a very futile exercise, until at least you leave school with a modicum grasp of the English language.

This letter is valid even if not read by you, failure to reply within 72 hours of yesterdays date will result in your doorstep being taken, and a debt investigation officer investigating our somewhat spurious claims that their is a debt needing investigating.

I will also inform credit agencies as to your immature pathetic failure to parallel park, not to mention make beans on toast, this could affect your ability to obtain a partner for the next six years.

 

Asta La vista baby, see you in class on Monday!

Regards..Mr Worried :)

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Well, really, you could send them photocopies of sheet music, they still wouldn't deviate from their standard letters!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 1 month later...

Blumen Heck, Recieve a letter from this lot today.

 

Dear Mr

 

Further to our recent letter, you have not responded ( of course ) to us and due to the absence of a dispute we have now resumed collection activity.

 

Morons, I ccad this with the oc 2 yr ago then sent dispute letter?

 

Will a prove it, and cca to rob n way, suffice?

 

I cant even be bothered to rattle their cage at the mo, but still would like to respond ' if you know what I mean '

 

Mr

Regards..Mr Worried :)

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Hi mr W i received a call off these people the orther night i told them in writing im sure i will be getting something in the post soon lol:smile: there is a lot off guests:roll:

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