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    • The problem is that each time you have given them notice, you have then continued which effectively nullifies the notice. I agree that you have given them enough notice – but each time the notice is effectively cancelled because you continue not standing by your word. I hope you can start to see that when you state a position and then you move the position, you simply lose credibility and effectively you have to begin again. You need to put everything beyond doubt and so you should send the letter which I've suggested.  If you have some partner or someone who was also getting involved then I think that you had better make sure that you are communicating well with each other and that it is agreed that somebody is taking the lead. Otherwise, the left hand will not know what the right hand is doing and it will only be when you find yourself in court and defending a claim for an administrative fee or a council contract that it then comes back to bite you in the bum – both of your bums.. You must give notice in order to protect your position. Very sorry, but the letter which was sent was reckless. Send a letter which I have suggested giving seven days notice and a 14 day backstop for completing the work. Of course there was always one danger and that is that you could give notice, they then start the work within the notice period – and then it starts to dawdle along and take too long. However, giving them 14 day backstop to actually have the work completed should protect your position. Send the letter now. Also calculate if you are within 120 days of the date that you made the payment on your debit card – and if you did then begin a chargeback with your bank. If it's longer than 120 days then you will be able to do the chargeback and then maybe the best thing to do is to write it off – unless they decide to see you and in that case you can make a counterclaim.  
    • Lookinforinfo, these are two separate letters for two separate tickets, one 07.02.19 and one 03.08.19.   karel, I've added the post code to the thread title to identify the car park better.  It would be helpful if you could edit the sticky, you don't know when the NTKs arrived as you never received them.   The good news is that these debt collectors have no power so you can sit back, relax and ignore their drivel.   In the long term though you might want to consider sending a SAR to Horizon to find out what they originally sent and maybe work out why you never received it.
    • Just in addition, in the beginning we made it very clear we didn't want the work carried out during Autumn and winter, we have a young child at home and are not prepared to put his health at risk.. Also as we had said, to go beyond the specified dates is not feasible as one of the builders has already returned home and the other one has already stayed longer than planned so to start it now wouldn't be an option.
    • it's not a violation, it's a speculative invoice for breaking some imaginary contract the driver made with ECP by driving onto the land.   Enterprise are breaking contract law by charging you £35 as they did not enter into the contract the £35 is a penalty admin and as such is unlawful .   pers i'd go do a chargeback to your bank. they have no legal right to charge anything. all they are required to do is inform the PPC of the ID of tthe driver...you that does not cost £35!! more like 50p    
    • In connection to the following ?    
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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.
       
      • 3 replies
    • 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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Who should I send a SAR to, the mortgage providers or the DCA who are chasing the debt? (repossession shortfall and charges) I've already written to the DCA on behalf of a family member, offering £100 per month (at his request) they won't accept this because I wouldn't provide them with I/E details. I'm a bit late to the table with help so don't know what's went on before (hence the SAR)

Thanks

scotgal 

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Thread moved to the correct forum.

 

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It was a joint mortgage, the house was repossessed - the loan was about 82k and they sold it for about 40k they're persuing him alone for 56k - I wanted a SAR to find out exactly how much it was bought/sold and any added charges. When I got the info my next plan was to come back here and ask for advice Ford

scotgal 

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  • 2 months later...

Hi Ford, I have received all the stuff back from the mortgage lender - and a letter from the DCA asking what my intentions are... any advice?there is no sale receipt as such but there is an entry on the transactions stating 'possession credit' to close account of 58,943.93 and another credit of 41,574.20 redemption payment and redemption write off 16.48I am not sure how to proceed. there are a ton of charges added on to the account. thanks.

scotgal 

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No they want 56k x

 

oh ok. 56 being the alleged shortfall inc interest etc?

from # 5 the initial capital is 42?

when was this taken out?

IMO

:-):rant:

 

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I don't know what initial capital means - the loan was for £87,400, the purchase price was £92,000

The mortgage lenders have said they are not obliged to supply details of and I quote..details of agents responsible for marketing/selling the property, copies of valuations, the selling agents report, and report to support the decision to auction the priority, details of charges and fees and details of handling and marketing the sale of the property, so basically nothing I specifically asked for

scotgal 

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soz, meant the 82 mentioned in #5.

the 42 being the shortfall which has now increased to 56?

if any thing is classed as data as defined then it shld be produced under a sar, unless there is a proper reason for not. have a look at the ICO website.

IMO

:-):rant:

 

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That 82k was a guesstimate - 87,400 was the actual loan amount. I'll have a look. The person who I'm acting for offered to pay £100 a month but tthr DCA won't accept it without an I/E sheet, which I refused to provide. I'll look at the ICO website, thanks Ford

scotgal 

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eg https://ico.org.uk/for-organisations/guide-to-data-protection/principle-6-rights/subject-access-request/

 

if something is personal data, and not produced, could consider a complaint to creditor and/or the ico.

 

if friend wants to pay something /mth, just start paying what can afford. they can (and usually wld do) accept payments without sight of an IE.

for friends/your eyes only for now, can do a common IE eg one from the cab/nat debtline, see what can afford. if creditor persists tell them have done one which shows can afford x/mth, as per the payments.

in the meantime look at claiming anything back that can be.

when was there a last payment since they called it in?

IMO

:-):rant:

 

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  • 2 months later...

Sorry Ford, been waylaid.

 

 

I didn't get any of the stuff as it is covered by some other data protection..

 

 

There wasn't any PPI or insurance with the mortgage,

 

 

the only thing I see is interest.

 

 

The last payment was made 2012.

 

 

I sent off a basic expenditure which I found online,

it left £120 after all bills,

they've either not received it or chosen to ignore it

and have sent a detailed one of their own,

 

 

they're asking for a wage slip to verify income.

 

 

. Is that necessary?

scotgal 

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