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    • Hi.   I know you have a few threads going, is this one connected with the one you posted on earlier please?   HB  
    • I've converted the images to PDF so only registered Caggers can see them - best to keep the fleecers guessing!   Excellent work, the signs are indeed total pants.   As far as you know, are these the same as what you saw?  Google Street View is often out of date.
    • Fraudsters are using the details of firms we authorise to try to convince people that they work for a genuine, authorised firm. Find out more about this ‘clone firm’. View the full article
    • I have captured the best images of the sign at the entrance to the car park that I could, from Google Street View. It strikes me that no mention/agreement of having to pay £100 could have been seen from the car.  The writing is too small.     Signs.pdf
    • My aged uncle had been paying for his TV licence by auto renewing monthly direct debits despite (despite turning 75 years old 7 years ago). My request for a refund was ignored for over a month, so I made a Direct Debit Indemnity claim and received a full refund for 7 years overpayment within the day from my bank.  It was very simple.   I then asked TV licensing for a compensation payment for the interest and they have refused on the grounds they did nothing wrong. It seems they do not take customer dates of birth. This is why  they have no idea whether their customers should be charged or whether they have reached the age for a free license.   It seems to me (especially for the benefit of old people), it would be simple to include a date of birth in the application process and therefore automatically cancel direct debits or even reject applications once they become eligible for a free license.   My question is, can I insist on interest? I understand statutory 8% interest is only an award if a judge  (at a county court etc) allows it. As I received the refund without going to court, I guess I cannot insist on that interest. However, I hope to proceed to make this scandal more public and seek the interest on his behalf.   Any ideas gratefully received.
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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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Claimform - /Cabot/Restons - old CITI card 'debt'

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Check it now dean.



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Cool - Well best of luck with it- fingers crossed :-)




I cannot see what they can do unless they produce a signed agreement at the last minute.



I have been asking for that for nearly 6 years and nothing. So a fairly good chance I think.


Failing this, I am long term sick and disabled.



My income is quite low and if they win should be able to settle on a few pound per month, hopefully.

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Just filed my defence today. Probably receive a DQ shortly.


I understand that it will be automatically stayed if the court has no response for 28 days. Is that 28 + 5 days for service or, just 28 days?


Is it possible rectums will take this further without a signed CCA and NOA? Or will it be stayed indefinitely unless they come up with the original documents?


:smile:Many thanks in advance.

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  • 4 weeks later...

Just received a reply to my CCA request from Cabot including a copy of an agreement and copies bank statements. Copy of their letter attached below.


They admit that it is a reconstututed agreement and is actually just a generic copy with no signature.



So does this comply with the CCA request?



If so I assume that the original will have to be produced if there is a court hearing.


So do I just keep this for my records and do nothing. Or should I send some sort of reply?

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please remove all barcodes too



attachment removed



a recon will not suffice and cabot know so.[ card from 2002]



if you've read other citi claims

you'll see its near impossible for anyone to get

1. any signed agreements out of CITI

2. the CORRECT T&C's for that agreement.




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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Sorry about that. Have removed barcodes.


Even the statements they have supplied are not copies of originals. They are all marked 'peoples banks, connecticut'. I have all the originals and they are all marked 'Citifinancial' and a different address. They have just printed my account details on current stationery.


My defence was received by the court on 19/1/2015. So I will just contact the court after 16/2/2015 to see if anything else has been filed or if it is stayed.


Many thanks Dx.

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  • 3 weeks later...

Would it be worthwhile to have the claim struck out and be able to claim costs i.e. postage, letter writing, research time etc. Or maybe better to just let sleeping dog lie.


Any advice would be appreciated.

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Just phoned the court and they have not heard anything from the claimant. So I think that means it is now stayed.


So what now?

Now Nothing...wait until they wish to proceed


Would it be worthwhile to have the claim struck out and be able to claim costs i.e. postage, letter writing, research time etc. Or maybe better to just let sleeping dog lie.


Not responding to a defence is not cause to strike out...dont prod the bear ...let it sleep.


Any advice would be appreciated.




We could do with some help from you.



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


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