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    • https://www.consumeractiongroup.co.uk/topic/408156-cabotnolans-spc-claim-old-next-cat-debtclaim-dismissed/page/4/#comments https://www.consumeractiongroup.co.uk/topic/404240-arrowshoos-spc-old-newday-aqua-credit-card-debt-claim-dismissed-no-dn/page/4/#comments default notice win  https://www.consumeractiongroup.co.uk/topic/407490-meiii-cabotnolans-spc-claim-old-yorkshire-bank-loan-2nd-claim-dismissed/  
    • It follows a public backlash after stores were told they could not sell items such as clothes. View the full article
    • With regard to your question on post 207 if you bring in the points that I made on the validity of the contract they are supposed to have with Peel holdings then mention that there are already doubts about the validity of the contracts that are being used by the PPCs and the OPS is a classic example. Once you are on there you should then try and get your other point in after that.   if it is in connection with the extra charge of £60 remind the Judge that the charge has been defined by many Court across England that the charge is an abuse of process which was covered in PE v Beavis at point 198    " The charge has to be and is set at a level which enables managers to recover the costs of operating the scheme"  IE the £100 charge covers all their expenses so nothing should be added.   as their WS claims an extra £60 that could be judged as perjurious since it is an additional sum that should be known by VCS and the author of the WS as a double recovery. Especially as they have already lost in Court for the same reason.   Another cause to prove that they do not comply with their Code of Conduct. file:///C:/Users/User/Downloads/CamScanner%2008-05-2020%2016.34.59.pdf  Byelaws are statutory not arbitrary as their WS said on no .42 .   Best of Luck.   The above URL does not work but this one does http://forums.National Consumer Service.com/index.php?showtopic=133001    [20.1 is where  VCS  lost then 20.2 where they appealed and lost again . But read the whole thread as it may help you in other ways too.
    • Sian Williams from Indonesia takes us through her week during the coronavirus pandemic. View the full article
    • stop doing nolans job for them... there are numerous threads here in the same forum yours is in     no DN info to follow   dx    
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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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I arrived home today to find a hand delivered note from Equita stating someone had called to execute a liability order/distress warrant. It also states that if I fail to contact them within the next 24 hours they will have no alternative but to re-attend my home and remove goods for sale.

 

The debt is £551.01 and they have added £235 for enforcement making a total of £786.01.

 

This debt is for council tax at a previous address and I do not dispute the debt. I have already complained to my local council about the aggressive way I've been spoken to on the phone by employees of Equita. I was told that if Equita cannot get the debt from me they will hand it back to the council. This is what I expected to happen but now it seems Equita are not prepared to give up and of course they can now claim the £235 enforcement fee.

 

Any advice would be greatly appreciated as I am a single mother who works through an agency and I'm not always working.

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Dare I say pay them.

 

I don't wish to be unsympathetic. There may be others who can advise you why you shouldn't but on the face of it to me it should be paid.

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Equita are capita, who most likely run the offices for your council. You had previously been told the council would take the debt back, but this was probably an outright lie by a capita employee so they could whack on charges. It was done before these new rules, and now they pretty much have free reign to do it now.

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Dare I say pay them.

 

I don't wish to be unsympathetic. There may be others who can advise you why you shouldn't but on the face of it to me it should be paid.

Yes it should be paid but it looks like Crapquita have been unwilling to arrange a payment plan until they can max out the fees. Incidentally the fees for Compliance and Enforcement stage are more than a week at minimum wage, so loading fees onto debt for someone on low income is counter productive. However OP should pay what they can afford and stick to it.

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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If they are not able to enforce it they will hand it back to the council

Not sure how these new fees will effect things

In the past when it has been handed back to the council there has been no bailiff fees just the original amount still owing

It was in my case

 

If there fees are to stand you would be best to pay the council directly that way you can pay at a rate that you can afford and the council can pass it on to them

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any advice given is based on experience and learnt from this site :-)

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I can't remember exactly but last time they came was about December when I phoned them on seeing their letter. I offered to have a payment plan but they insisted I pay at least £50 a week which I cannot afford.

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If they are not able to enforce it they will hand it back to the council

 

Given how hard it was for many bailiffs to hand back cases when only £42 for two visits was in force, I think it will be very difficult now with so much more money being

involved.

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I arrived home today to find a hand delivered note from Equita stating someone had called to execute a liability order/distress warrant. It also states that if I fail to contact them within the next 24 hours they will have no alternative but to re-attend my home and remove goods for sale.

 

The debt is £551.01 and they have added £235 for enforcement making a total of £786.01.

 

This debt is for council tax at a previous address and I do not dispute the debt. I have already complained to my local council about the aggressive way I've been spoken to on the phone by employees of Equita. I was told that if Equita cannot get the debt from me they will hand it back to the council. This is what I expected to happen but now it seems Equita are not prepared to give up and of course they can now claim the £235 enforcement fee.

 

Any advice would be greatly appreciated as I am a single mother who works through an agency and I'm not always working.

 

Before the enforcement stage is the compliance stage. This means you should have received a letter giving you 7 clear days either to settle the debt or make arrangements for it to be settled. Did you receive this letter?

 

If you did and ignored it (even if only because you were too scared to reply) then you have little option but to pay. HCEO's still do repayment plans don't they?

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Before the enforcement stage is the compliance stage. This means you should have received a letter giving you 7 clear days either to settle the debt or make arrangements for it to be settled. Did you receive this letter? The Compliance Stage was taken to be from previous visits prior to April 6, as no arrangement in place they can move straight to Enforcement Stage without further letter. It appears to be an anomaly of the Transitional arrangements.

If you did and ignored it (even if only because you were too scared to reply) then you have little option but to pay. HCEO's still do repayment plans don't they? This is for Council Tax & anyway Equita aren't HCEO's.

 

PT

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