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    • Update on this for you:   Quick reminder, I wrote to Ford Finance for the SAR, and I also wrote to Link (again) requesting a breakdown of the alleged debt and how it was calculated. I have since had two identical letters from Link at the beginning of October just saying I owe them £628.83, but nothing addressing the alleged debt calculation/explanation whatsoever.   At the same time as the above letters, I also contacted Experian to refute the default on my credit record that Link had placed there. Experian have emailed to say they contacted Link and have had no response from them within 28 days regarding this, so Experian have suppressed this information from my report.   The SAR reply from Ford Finance has arrived. The £628.83 charge shows on the SAR comprising as "£14.99 D/Charge" (whatever that is), and "XS mileage £612.84", apparently worked out pro-rata.   As ever, any advice or comments most gratefully received as to how to proceed.   Thanks.    
    • Ok, so I would just ignore demands from ARC for now.   See what they do over the next few weeks and keep us posted ...........
    • click create in the top red banner   dx  
    • ok but that doesn't give us dates.....  
    • DD cancelled roughly a month after they stopped taking payment. Last used the gym a day before they closed. Used it almost daily. 
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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.
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      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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collectica threatening arrest over missed payment on old train 'fine'

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My friend in his younger days was a silly boy and travelled on the train without paying his fare,

he got caught and taken to court and fined.



He has been paying back the fine (it was stopped out of his benefit money automatically).



earlier this year there was a problem with his benefit and it got stopped for a couple of weeks,

obviously during this time the fine stopped being paid.



When he got his benefits sorted out he asked for the fine to start being paid againand was told that it would be.



By this time the fine had been paid all but £45.



Yesterday a representative of Collectica turned up at his door and hand delivered a letter.

When he was given it he phoned Collectica and was told that if he didn't pay the £345 he now owed he would be arrested.



After explaining he was on benefits and proving he didn't have £345 in his bank

they told him he has to pay £40 every 2 weeks otherwise he will be arrested.



He asked why it had gone from £45 to £345 and was told that it was court charges,

they had taken him to court within the last month and the charges were assigned to him.



He received no court date, no court letters, no paperwork whatsoever.

They wont even tell him the date that they took him to court.



He was going to try setting up a payment where it is taken from his benefit

but Collectica has said that needs to be done through the court

so he phoned the court who would just say that it in the hands of Collectica.


Any help you can give is much appreciated

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Your friend needs to get some letter from Job Centre Plus or DWP saying that his benefit was stopped between x dates and that the deduction of the fine was affected. Then he should take the letter to Magistates and ask to make a statutory declaration about what has happened with the fine repayment. He should state his financial situation and ask to be able to continue paying the fine out of benefits.

We could do with some help from you.



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Having provided assistance to probably thousands of fine defaulters over the past 7 years the fact remains that one of the most frequent reasons for defaulting on a court fine is where payments were being deducted at source from benefits and where the debtor came off benefits for one reason or another. The problem that arises is that DWP are supposed to write to the debtor to advise that payments have stopped and although this seems to be the case....delays occurs etc.


The magistrates court take the view that it is for the debtor to contact the court in such cases and arrange to pay monthly etc (the amount by law cannot be lower than £5 per week).


For your friend to have got to this stage (of the debt being £345) means that the should have first received a Further Steps Notice from the Magistrates Court and next to receive a Notice of Enforcement form Collectica Ltd. If you friend did not receive one of this letters it is understandable.....but not to have supposedly received both (one form the court and one from Collectica) is not so easy to understand !!!


Has your friend moved house?


I am deeply concerned at a debt of £45 being passed to bailiffs and I will look into this later today.


Can you check with your friend about the missing letters etc.

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