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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
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    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
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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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Lowell & Carter Solicitors


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Hi all,

 

Firstly Lowell have been sending letters to my address, I know as via the Postcode on back and the PO box....

 

These letters have always been returned to sender, and marked "NOT AT THIS ADDRESS"

 

As they were for our son, who has not lived with us for over 3years...

 

another came today for him and I could see through the window box on the envelope,

 

Northampton courts...

.. Now know the sly under hand here, as he clearly does not live with us...

. They have purchased a debt from orange..

. so now they want to secure the debt via the courts....

 

Do we or our son have anyway to address this, underhand way of giving him a bad credit file..

.. as they are addressing him to living at this address.

. Which he clearly does not..

... Not on electoral role either.....

 

He is prepared to make an offer of something, but it's the way this is going,

 

If i did not open the letter (Wrong I know)... it would of gone back, then they would of just proceeded to court...

 

Any ideas... Thanks

Edited by sully123
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Morning All.... Plenty of views... No Idea's ?

 

Are they allowed to proceed to county courts, without checking if said person lives at address?

 

As stated, Son has not lived with us for over 3 years!

 

If I never opened the mail, he would be none the wiser.... When I can find out where he is, he will more than likely make some offers...

 

This surely is wrong.... with all mail be returned to sender...

 

Any help or idea's appreciated

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it is your sons responsibility to update creditors upon where he lives

 

if he has not done this

 

then sadly its his fault

they have served to the address where he took the contract out at

 

you need to deal with the claimform.

 

plenty of carter/mobile court threads here already

 

dx

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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Service at a last known address is valid service.

 

Debtors often lie or try and evade service by sending letters back "Not at this address" when actually they still are.

 

Forward the letters to your son to deal with them.

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How would he know they served at the address where he took out contract.... when he no longer lives there......

 

To serve upon my address, and presuming he lives with us is that not wrong?

 

How does he deal with the claim form.... he does not know he has it?

 

I only opened... (Wrongly I know) ... but I seen the Northampton bit through the envelope window...

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How would he know they served at the address where he took out contract.... when he no longer lives there......

 

To serve upon my address, and presuming he lives with us is that not wrong?

 

How does he deal with the claim form.... he does not know he has it?

 

I only opened... (Wrongly I know) ... but I seen the Northampton bit through the envelope window...

 

 

 

If your address is the last known address for your son that they have on file and he hasn't updated his creditors then service is technically valid.

 

If he gets a CCJ because you don't forward his post to him he'll have to apply to Court to have it set aside.

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as said it is down to the debtor to always update addresses if they move.

 

sadly its not wrong to serve on last known address

or the address where the contract was taken out at.

 

he needs to deal with this

 

there are strict time limits.

 

carter can easily be buffed off

 

with the correct defence if there is a dispute.

 

where is your son?

 

dx

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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The house we live in now, we only been here since September..... Son has not lived with us for the past 3.5 yrs..... The contract address was when he lived with us at not last address but the one before.....

 

We just don't get on, sadly! We really need to resolve our differences (Now he is a much better person, I should make first move)

 

I will get his brothers to update him, and advise him to call carters and make a full and final settlement offer..... as they no doubt bought the debt for peanuts

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pers I wouldn't be offering carter anything

 

defend the claim

 

in the main, on mobile claims

 

carter either runs away or discontinues when challenged

 

dx

 

dx

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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register with mcol

 

then use the password on the claimform

 

and defend all

 

have a read of a like thread in this forum

 

lots here on carter/mobiles

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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