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    • I noticed this in the wording of the last letter:   Really? Last chance? I bet it isn't as even court issued fines come with options to pay.   Typical bully boy tactics which should be illegal and actionable.
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    • Quick Update   So Moneybarn have gone silent again and the garage have now decided to pick the car up and repair the faults ( which should of not been there in the first place ).   Email they sent below so see what happens:      Thank you for providing the information.   We would like to collect the vehicle from your address this week. You will be contacted to confirm the time and availability. Once the vehicle is collected, we will then assess your claimed faults and repair any faults identified with the vehicle. Please note that we are not able to provide courtesy car as our insurance underwriters do not cover loan cars.   If you have any questions then please do not hesitate to contact us.   Kind regards,
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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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Received a text message from the above 27/11/14 09:05

 

We have been trying to contact you please call us. Web address and a ref number. No further calls or texts yet

 

Have not received anything from that company in the post or anyone else chasing money recently

 

Am in a debt management plan coming up to 2 years. Had nothing from my creditors to say they were reassigning. I assume i should just ignore until something comes through the post.

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Akinika, http://www.akinika.co.uk/ say that they are

Trusted by well-known private and public-sector clients to responsibly contact and engage with their customers to collect debt, we specialise in helping to find an affordable, flexible way of resolving outstanding balances.
Clearly this is not true because if it was then they would not be breaking the FCA rules about contacting or engaging people with non-specific messages as required by CONC 7.9 http://www.consumeractiongroup.co.uk/forum/showthread.php?426126-CONC-7.9-Contact-with-customers-including-visits

 

 

They also say that they aim to

put customers and their trust and confidence in our organisation at the heart of how we do business.
They obviously don't seem to be doing very well because I would certainly not trust any company that was breaking the rules in this way.

 

They also appear to be in breach of their own code of practice

ensure that all practices involved in the tracing process are transparent and in line with relevant regulation and guidance prior to any collections activity
http://www.csa-uk.com/media/editor/file/Code_of_practice_final%20110414.pdf - see part 6 on Tracing
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Forward that text message to 7726 (spam on your phone keypad)

This is then sent to your network providers spam centre who in turn forward it on to

the ICO, who, if they get an undisclosed amount, fine the company for sending out unsolicited texts.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Cheers for the info interesting reading. Have forwarded to 7726 but it is asking for the number it came from. All i have in message details is Akinika with no number

 

Strange doesn't usually ask that?

 

You are opening their message they sent you, then forwarding that to 7726?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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hope your dmp is no with a fee paying firm?

 

 

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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  • 2 weeks later...

Go through your phone roviders malicious calls/text procedure if you can't forward it on, sent via computer or otherwise you can still forward it, not send it, to 7726, they don't need the number it came from, they just need the content of the message.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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If you have a newer smart phone press and hold the message until add to spam numbers show then hit add to spam sorted.

 

 

Then add to blocked list

If I have been of any help, please click on my star and leave a note to let me know, thank you.

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If you have a newer smart phone press and hold the message until add to spam numbers show then hit add to spam sorted.

 

 

Then add to blocked list

 

I do not get the option on mine unfortunately.

 

 

Wonder how many i can get before they change the time on the automated system.

 

 

Clearly they must be using a system like text local meant for marketing purposes.

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  • 5 weeks later...

All quiet but has started again today.08:31 same as before. Now i received one at 19:00 sounding a bit more threatening.

 

"Call now on 01772557642 We need to speak to you about a personal business matter".

 

No letters telephone calls just text messages reported them to 7726 but don't expect much, It is quite clearly fishing for information since i would have expected a letter or to rung by name by now.

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IQOR [now Akinika] are wel know for phishing attempts

 

 

they've been warned about it before I'm sure

 

 

that's why they changed name

 

 

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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  • 3 weeks later...

Still coming through at random dates,

 

 

a total of 11 so far since 27/11/15.

 

 

3 received over the last week all at 09:31.

 

 

Spoke to my service provider who say because the texts are coming from a messaging service there is little they can do.

 

 

Surprised there is no regulators can complain to,

 

 

i have no intention of ringing these cowboys but i bet some do.

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Complain to OFCOM and FCA.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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