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    • I have registered on the money claim website and I did issue a claim on there on 26/10. I sent this in the post but I don’t have a copy
    • Also, you have referred several times to a deadlock letter. Please could you post that up in pdf format.
    • We are doing our best to help you with professional level of advice. you're getting it for free but that is no reason to treat it as simply a piece of social media exchange. if you are very confident about what you are doing then you don't need our help. However, reading through this thread so far I have the impression that you aren't entirely certain of the steps. in order to give you the best help and to give you the best chance of success, we need to understand exactly what you have done so far.   have you registered on the money claim county court website? Did you issue a claim there? What date did you issue it? do you understand the rules about acknowledgement of service and then defence?
    • The laptop was sent on 03/08 On 13/08 I sent an email to Martijn De Lange 21/08 I was told to submit a claim form 30/09-01/10 Promised my money back by manager (01/10 call recorded)  02/10 Deadlock Letter sent  26/10 Legal letter sent 
    • It does and we should be so much better than this.  Anywhere but here and the guillotines would have been set up.
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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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Good morning all...hoping for some guidance on this one.My wife and I both have large debts as a result of stupidity,lack of future planning and wanting what we could not afford...none of the debts are secured and all are either bank overdrafts,loans and credit cards and we rent our home. We have over the last 4/5 years chipped away at these and reduced them by around 50% overall either by challenging in court or agreeing reduced settlements however we have now reached the point where we cannot realistically see an end to the spiral.We are considering sequestration however my question is this....if we take this route do we have to do so jointly ? I ask as approximately 75% of our debts are in my wife's name and 25% in mine....could my wife go for sequestration and could I enter into a trust deed or similar ? is this unrealistic ? Is there a benefit to doing so....the sequestration process appears to take all financial control of your bank accounts etc...maybe this is what is required but just thinking out loud here in terms of trying to envisage how you live your normal daily life whilst going through the process ?

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Have a good look through the contents of this link, including the alternatives....................

 

https://www.nationaldebtline.org/S/Pages/default.aspx

 

Have you looked at reclaiming charges or PPI ect on your Loans and Credit Cards.

 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

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Help keep it up and active, helping people like you.

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Without knowing full details it is always difficult to provide detailed and accurate advice.

Nevertheless, the following may assist.

 

There is no such thing as a joint Bankruptcy application, two single applications would be required.

The Trustee will not take control of your bank account, he/she will take into account income and expenditure and may look for a monthly contribution from disposable income.

 

You will still see the glossy TV adverts, however in reality Trust Deeds are becoming a thing of the past, at long last it has been recognised that the only people to make money from TD's are insolvency practitioners. Therefore I cannot see the purpose of going down this route.

 

A joint DAS may be possible depending on your circumstances, if you chose this route ALWAYS do it through one of the free money advice agencies to avoid paying fees.

 

I would suggest that you take some free advice in any case.

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