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    • Thanks both - Just did not want them to have the satisfaction of tarnishing the record even if it was for 12 months I'll wait it out - only 4 months or so to go   Thanks again
    • Thanks uncleB.    I have quite a few valid challenges which would prevent bankruptcy / return to original ownership.   Yes I am trying to sort legal help.  It's hard with limited financial resources.  Hence why I'm trying to create own defence.   I'm not sure I understand how they are legally allowed to completely gut a building whilst - I thought - under a legal obligation to sell?    They have refused to sell whilst also accruing interest and applying costs over a very long time. It's as if they deliberately racked up interest and costs to create a shortfall and grab the property via bankruptcy. The property was in good condition. Although squatters did get in. Is it a viable legal opportunity for them - without bankruptcy - to retain the property and rent it whilst simultaneously still charging the mortgagor interest?  
    • The original, and for some the best, James Bond.   Piers Morgan has just quoted George Lazenby as saying 'Sean Connery WAS James Bond, the rest of us were just imposters.'   https://www.bbc.com/news/entertainment-arts-54761824  
    • @dx100ukis right and even so - A Search doesnt reflect anything whether you were approved or decline. If youve had 1 search in the last 6 months, Then you dont need to worry  
    • god which want shooting for the stupid far reaching statement. only the OWNER of a debt can issue legal proceedings!!   IF the DCA letters say 'our client' thus they DON'T own the debt
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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 all,


I've already had a search around the pages here and have seen plenty about this collection agency, but just wanted to confirm that the best course of action is to totally ignore them?


I closed my account with Sky back in September 2013 and as far as I am aware had no outstanding payments due. BPO have started calling on my mobile semi-regularly (once or twice a week) and have sent a couple of emails (although these went straight into my junk folder).


Thus far I haven't answered the phone nor responded to the emails - if I should be doing anything to the contrary, it would be great to know.


Thanks guys!

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check with sky directly.



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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  • 1 month later...

An update on this... I've continued to receive calls / emails as I described in my first post, but have now received a letter as well. This was actually from a completely different company, called "Past Due Credit Solutions".


It has "FORMAL DEMAND' at the top and says I need to pay the outstanding amount by a certain date to avoid further calls / costs etc. Shall I ignore this as well?


Thanks in advance!

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PDCS are just another Monkey outfit that likes to send out big scary looking letters - these mainly have red crayon at the top.


How much is Sky after?


Did you contact Sky as advised earlier?



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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Unbelievably, it's only £15!


Deffo ignore then and let them waste half a tree on you.


Might be best though to have a look at your Credit File just to see if a default marker has been applied.



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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As it is a recent dated claim you should contact Sky ask them what it is for and either dispute it with them or pay it if you feel it is fair.

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Remind them, that they (Sky) are solely responsible for the actions of their chosen third party DCA, this includes their continued harassment, which you have recorded by date and time, and have added your costs to each of these calls, currently £18 LiP costs, should they feel the need to pursue this through the courts.


If you've not already, send these jokers PDCS the telephone harassment letter.

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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