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    • They've actually been behaving themselves for me, recently.  I'm re-signed with them on a variable tariff, meaning not tied in and can leave any time if they get up to their old tricks.  However something I noticed was that when accepting the tariff they actually showed in advance how they expected that annual total to be split into the 12 months.
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    • If you don't understand what you're saying then don't say it.   Yes recorded post is a good idea
    • Hi All   really need some help and advice.   i have a PayPal credit facility with a balance of £400. I owe £270 due this month. I am going to phone them and pay this and clear it as it’s a credit contract and I know they can enforce it.   however alongside that I have a negative PayPal balance of £5000 this is not through the PayPal credit. It shouldn’t have happened and I don’t plan to pay that, at least not now.   if I phone PayPal and pay the credit facility with my debit card will that be ok? Or will they use those details to try and get the money back for the 5k negative balance?   thanks for any help. Whilst I appreciate PayPal credit and the negative balance are separate with them being on 1 page on 1 account I wasn’t sure. 
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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?
       
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      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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Hi

 

I recently received two letters about one old council tax account and one old payday loan, both over 6 years old.

 

I have tried to arrange to pay the council tax bill but the bailiff company wont accept installments and want the full balance. The amount owed is over £700, so I'm sorry but to land that on me after 6 years and expect me to pay in full is ridiculous.

 

The payday loan, i have no recollection of taking out and the debt collection agency have added a ton of fees on so i have issue with paying it.

 

Are either of these debts even enforceable given they're both over 6 years old?

 

This is the first ive heard about both of them, but i have moved house a couple of times over the last few years.

 

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If they have been actively trying to recover the debt (e.g. writing to you and then tracing you) then the debts are enforceable I believe.

 

If there had been no effort of recovery in that time then it could be argued they are not.

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Ok but surely the bailiff should accept installments after such a long period of time? I'm not currently working and in receipt of benefits. I have offered to pay £30 per month which they would not accept.

Is it worth writing to the council?

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That's a whole different issue.

 

Each case is judged on its merits. If you've got a decent job and a Bentley parked on the drive then the bailiff isn't likely to accept installments. If you're suffering hardship then the bailiff should cut you some slack and accept and arrangement. If you are deemed vulnerable then the matter should be passed back to the council.

 

In the first instance it would make sense to ask for a breakdown of what you are being charged for. It may be that the bailiff fees are not due.

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i'd start an new thread for the PDL debt

 

use this for the CTAX debt

 

they cannot become statute barred sadly unless a liability order was never attained

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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have you phoned the council and asked these questions:

 

You need to speak to someone at the Council and ask the following questions:

1 - how many Liability Orders they have against you

2 - the dates they were obtained

3 - the addresses they were for

4 - the period of time each covers

5 - how much each one was for

6 - how much is still outstanding

7 - the dates they were passed on for enforcement

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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start a new thread in the payday loan forum

 

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 'payday' loan query should be posted on the debt forum. The council tax is sadly still due and payable as council tax is not subject to the Limitation Act.

 

However, it is important to ascertain the date on which the Liability Order had been obtained and the reason WHY the council failed to enforce the debt any sooner.

 

It is vitally important to also find out from the COUNCIL (not the bailiff company) the precise amount of the Liability Order.

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