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    • It's not worth appealing because ECP won't listen, unfortunately, plus you can give the impression that if they lean on you, you'll pay them money when you don't need to. The only time we normally advise writing to them is if you get a Letter Before Claim/Action.   Best to say nothing for now and if you do get a LBC, we'll help you to draft something. Have a read around some other parking threads and you'll get an idea of how these people operate.
    • Thank you. Is it worth replying to say why I was there and that I feel it’s a bit disproportionate?   had I known I’d have paid the original £1 but I was so worried about getting into a space without crashing!
    • I had never done it and I was afraid. I have done it now. The meter is mine.
    • How younger is 'younger' and how many is 'many'?   I'm not sure of the numbers raw numbers themselves but look at cat 4 figure 5 which is deaths by age group relative to population. Obviously ignore influenza and pneumonia.   https://www.ons.gov.uk/peoplepopulationandcommunity/birthsdeathsandmarriages/deaths/bulletins/deathsduetocoronaviruscovid19comparedwithdeathsfrominfluenzaandpneumoniaenglandandwales/deathsoccurringbetween1januaryand31august2020   The category for deaths for under 65s is almost invisible.              
    • Impossible to know as it will take years to find out if the long term damage caused to survivors is life limiting and to what extent.  A young person who was near symptomless but has irreversible damage to heart or lungs is as much a victim of the virus.  The 18 year old who catches it now and dies at 40 because of a damaged heart loses 40 years.  
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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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Good evening,

 

I have a contract with EE

due to a health problem I am no longer able to work or afford to pay the contact and

EE have sent the debt to Buchanan Clark & Wells and

I sent them the template letter regarding door step visits and

I got the following reply from them;

 

Dear Mr *****,

 

I write with regard to your email of 10th November 2014, issued in relation to the aforementioned account.

 

I can confirm we have undertaken substantive investigations into the issues raised in your above referenced email

and have concluded that your complaint has not been upheld.

The reasons for this are detailed below.

 

We note your reference to the Armstrong v Sheppard & Short Ltd case

however the case you have referred to is not applicable to your circumstances.

As part of the credit agreement that you entered into, you agreed to repay the full outstanding balance

and that where necessary the creditor could recover the debt by outsourcing the debt to a third party,

which included by way of doorstep collection.

We are entitled by law and under contract to recover monies outstanding and we are allowed to take reasonable steps in accordance

with regulatory guidance to recover such monies.

 

The OFT’s Guidance on Debt Collection reference to making an appointment on field visits relates to,

where say, the Agent has called round and advised by the customer that it was not a convenient time,

then he should make another appointment.

An appointment is not necessary for the initial visit.

If however, the customer is not there at the agreed time, then the Agent can call again at an unscheduled time.

 

In view of the above, we would invite you to contact our office to discuss the repayment options available to you.

I have authorised a further 7 day delay to be placed on your account to allow time for you to contact our office

however please note that when the delay expires, our collections activity will resume.

 

We are a member of the Credit Services Association who can be contacted in the event of you remaining dissatisfied

with the conduct of BCW.

The Credit Services Association will consider your concerns as an impartial external arbitrator.

 

Please do not hesitate to contact us on +44 (0)845 111 0411 should you require any further assistance.

 

Yours sincerely

 

Now, I think I read a topic once when another person got the same response

but I cannot find it any where and I have no idea what I need to write to send back to them.

 

If any one could help I would greatly appreciate it.

 

Regards.

Edited by Donoghue89
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you don't need to write anything back to them

 

 

ideally you should have ignored the silly threat-o-gram in the first place

 

 

you fell for the threat

and you did exactly what they wanted you to do . panic and contact them.

now you've invited letter tennis on a silly issue.

 

 

theres no record anywhere of BCW ever doing doorstep visits

but anyway they are powerless any how AND ARE NOT BAILIFFS.

 

 

is this debt still owned by EE?

 

 

go get your credit file and check.

 

 

see below

 

 

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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sure let us know

 

 

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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Word of advice, They used the words "Credit Agreement"

 

Thats wrong! Because a phone contract with EE is a utilities agreement. That looks like a script.

Get your CRF and let us know.

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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Then ignore the dcas totally.

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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any default date

 

 

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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Share on other sites

Ignore the DCA. Report them too as they are stating that your legal rights do not apply.

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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email the CEO of EE

 

 

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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