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    • Also, I think you had better ask the buyer for a reasonably detailed statement of the condition of the parcel. This would include at the beginning, details of the purchaser's name and address – and how the parcel was received, when it was received and the condition before it was opened and then what he found inside
    • I'm sorry but we are not able to see these images correctly because they don't display large enough. Please will you put them all into a PDF file and upload that. Secondly, is there any opportunity on the machine to inspect their prohibited items list? Does it refer to a prohibited items list?
    • I received this in the post today, along with the evidence submission form. I have also checked the online portal for the case and the documents have been submitted there too.   It's the deed of assignment. Starting to worry a bit now. What do you think?   I have just noticed under the "law" section it mentions the deed is exclusively applicable in English law. This is obbviously going through a Scottish court. Is this worth noting at all? Cabot deed.pdf
    • Hate to tell you this unc, but the legitimate reports seem to be indicating the pandemics spread is already beyond the prior peak. and short of an effective vaccine, we have more than 6 months to go, with the worst by far yet to come.
    • I think it might be worth taking your time with this one. I'm interested in the conflicting versions of what has happened to the parcel. I suggest that you send Hermes and SAR. Keep it very wide. Use our template. Send it by email immediately – and then by recorded delivery letter on Monday. In the letter refer to the email that you have sent already dated XXX
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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
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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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Do I raise my head above the parapet?


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My unenforceable journey is coming to the end! At last

 

 

I have been to County Court to fight ccjs and high Court to fight HCE Bailiffs and only lost once on an un- regulated loan

I have been checking through all of my creditors and dca accounts

 

Most are now statute barred or coming up to being statute barred in the next couple of months

 

Most of the dca do not know my current address.

 

I am considering writing to each one in turn once I consider that it is SB notifying my current address so that they can't sneak in and get a ccj at my old address and informing them that the account is statute barred

 

What does the team think about me doing this?

 

Only me again

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Only notify them of it being SB if they chase you or you get court action. For now, keep your head down, especially if theyre already SB or coming up to SB. Let them waste their time chasing you.

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

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If you receive a claim ( unlikely but possible), then you could set aside if you told them your new address. However, if you go around contacting the DCA's out of the blue, then you open yourself up to further harassment from them, plus run the risk of acknowledging the debt and resetting the SB status.

 

if the debts are already SB, then let them file a claim. Theyd have wasted their money. If the debts are almost SB, then lie low so you dont run the risk of resetting them.

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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What types of debts are these

 

Have the ones where its acceptable to CCA been done?

 

Any reclaims from ppi or credit card charges?

 

There may be ways to drag some legitamtly beyond the SB time

 

BUt yes, if anyone applys for a ccj using your old address, by not informing them it would be difficult to get it set aside

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Only do this is you are absolutely certain the accounts are statute barred.

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The consensus seems to be to let sleeping dogs lie, both here and other sites and so this is what I will do

 

I've subscribed to credit reports for a few months now and they seem to let me know about any changes.

 

I've got recent letters from most dca to my current address so could argue against a potential default if one were to sneak in

 

Onlyme

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Well they can't add a default if the oc didn't. Unless you sign a form giving them permission to do so, similar to eruidios current tactics.

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

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Renegade, I meant default judgement, not default notice,

However following on from what you've said,are dca allowed to register a default notice? As lowell recently have on a previously defaulted account

Onlyme

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Only do this is you are absolutely certain the accounts are statute barred.

 

 

ditto

if its potentially 'close', do nowt unless sure.

if is already barred, then any comms thereafter wont reset.

a default judgment eg on an old address can be set aside if it was barred at the time.

IMO

:-):rant:

 

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They still have to follow procedure to get a court order, then judgement, then enforce it.

 

For now, MY advice would be to stay quiet, but get as much info on if they are SB as you can, so you can be prepared IF they actually do something.

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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I'm always mystified how the DCAs can get court paperwork served when you are no longer at that address.

 

 

Many years ago, when I was on the other side of the fence & chasing people for money owed to my company, I would get a letter from the court saying sorry, he's gone away. If you find his new address we will re-serve the summons for you.

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DCA's use any trick they can to get what they want. They dont care about legitimacy or not. Thats why many DCA's try and issue court claims, even if they dont have any of the required paperwork. They hope to get a default judgement so no questions are asked.

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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