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    • Thank you Bankfodder.  I used the term frustrated agreement purely based on my own research and what I found on the Govt's website, especially in relation to Covid.  My situation appeared to fit but if it doesn't, it doesn't. The length of time the actual works themselves will take is not written into the agreement but I was told 2 weeks, they are doing the interior ceiling and electrics too. I was prepared to accept the new date of 7th Dec until I was told I couldn't speak to their Director for two weeks and then found out that they haven't applied for building regulations yet, this is something else they are doing on my behalf.  As they can't order anything until they have the regs through I can't see how the roof is in the process of being made (which is what they keep claiming). I contacted the CAB as I wanted this wrapped up for the weekend and had two conflicting recommendations on this forum.  One to just let the credit card company handle things and others saying I must give more time.  I'm not complaining, am grateful for advice - just getting more and more confused as to what I can/can't do. If I can avoid it at all I would rather not go through another 6 weeks of this, waiting for them to prove that they can't manage the Dec.date.  By that stage it could well be feasible that the roof is in the manufacturing stage, where as at the moment it can't be, which would further complicate things. Based on all this and what the CAB said I sent the email below last night and received Homeview's response this morning. If it came to it that I retracted what I've said and allowed them to go ahead for 7th Dec. and they didn't manage that date, wouldn't it be the credit card company that would recover the deposit - not me?  BTW I raised a dispute with Capital One last night. Email.pdf
    • oh dear  i think you are in for a big shock   i doubt very much the loan is settled there will be £100's in unlawful fees i bet   we have numerous threads here about them in 2016 they were residing at   PO Box 1044 ipswich IP1 9YA   i would be sending them an SAR  don't ever ring them.   have you checked your deeds online recently? check they are on there. and has the loan ever been subject to legal action?   if not that would be a rare thing to us.   https://cse.google.com/cse?cx=partner-pub-8889411648654839:3134625398&q=Skye Loans&oq=Skye Loans&gs_l=partner-generic.12...0.0.1.951169.0.0.0.0.0.0.0.0..0.0.csems%2Cnrl%3D13...0.0....34.partner-generic..1.0.0.1dXrS2w9t2c    
    • doesn't say will anything. read it properly and carefully.   only the owner of a debt can get one of the many fake/tame paperwork only solicitors to issue any proceedings and they would have to abide by the courts pre action protocol of 30  days letter first!   as it's owner...i can try and instruct my dog to sit, if it does is a totally different matter. if my neighbour, who doesn't own my dog, tries it, it would ignore them.   the bottom line is there is nothing anyone can do to you. gyms don't do court gym debts don't appear on credit files.   any DCA they might get to write to you ARE NOT BAILIFFS any a DCA has ZERO legal powers on any debt, no matter what it's type.   dx    
    • This letter arrived in the post today, please advise how to proceed. I know the forums say they won't action but am very worried about this
    • go save his bacon clint and put him right...   dx  
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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.
       
        • Thanks
      • 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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First of all, I feel so ashamed of what I have done,

I have developed a massive anxiety issue and am finding it hard to eat and sleep, let alone step foot on public transport.

Im absolutely terrified of what might happen so any help will be truly appreciated.

 

I graduated from University two years ago, although getting good grades I have struggled to find a job,

I'm in massive debt and am still stuck in my overdraft.

 

Despite this I plan on working and taking a masters so I can proceed with a career.

Im also doing fundraising for charity which I love, and need to travel to other countries to complete my sponsorship.

I know if I get a criminal conviction all this will end and my life will be over. Im so upset, please help me.

 

So ill start from the beginning.

 

My boyfriend has epilepsy and has a freedom pass which he never uses

 

I started to borrow it about 5 months ago, although I didnt quite realise how bad it would be if I got caught.

I also carried around a normal oyster card for the days when he would need it.

 

I entered the underground and swiped his pass,

when I got off the tube I was stopped by the officer,

when he asked to see my card I then gave him the normal oyster.

 

He said it was invalid, in minus credit and had not been used for several weeks.

He took my details, card, where I got on the tube, and asked how I got on.

I just said I walked through.

 

I couldn't even understand what he was saying and had a full blown panic attack.

I do suffer badly from asthma and did forget to take my medication in the morning

which led to me feeling light headed and short of breath which really didnt help.

 

I have now got a letter from TFL asking if I want to make any comment on the situation

and that I could be summoned to court and face a criminal record.

 

I have never done anything wrong in my entire life and always try to help others.

I don't believe how stupid I have been and it now looks like I have destroyed my life by doing what seemed like such a small thing!

 

Once again, Im so scared of what might happen and Im such an idiot! Please help me x

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so cutting through all the waffle

 

 

you've knowingly used a freedom pass not yours on numerous journeys for the last 5 months?

 

 

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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Sorry, I do tend to go on... Yeah I did,

and to top it off I gave a different oyster card to the officer.

 

Im such an idiot, please help.

 

What do you think will happen?

 

Im shaking just thinking about it x

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all might not be lost

 

 

did you at anytime give him the other card

or mention anything about it?

 

 

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

naughty but nice.

 

donot condone what you have done

but I think you know its extremely wrong.

lesson learned.

 

so in all reality, you've simply been accused of traveling on one journey [in their letter]

and failing to swipe your card...

 

you wont get a criminal record if that's how they see it.

 

it was obvious to the inspector that you were suffering from 'whatever' problem.

 

 

simply write a very grovelling [but short!] letter

apologising for the error [mention you had had a bad night etc etc]

and offering to pay any admin fees and subsequent equivalent fines

to avoid a criminal conviction as this would jeopardise your future employment in XYZ type of job.

 

 

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

Thank you so much DX!!!

I might be able to sleep now thanks to you!

 

 

I'll get drafting a (short) letter, would it be ok if I send it to you before I sent it?

 

Your hospitality has actually really inspired me,

before I never thought these type of forums existed, or would provide any help.

But I see now, from this and others that they do provide a service to people in need.

 

PS - Im planning on becoming a building surveyor believe it or not, and I know lots about housing tendencies including landlord and tenant issues.

 

 

I will look for some forums and try to help others as you have helped me. x

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we have a residential and letting forum

with few helpers

your input will be greatly welcomed

its always busy.

 

 

as for your issue.

if you browse the threads in this forum

there are examples posted already

 

 

ok you did wrong.

but what they don't know.............

 

 

enough said

 

 

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
naughty but nice.

 

donot condone what you have done

but I think you know its extremely wrong.

lesson learned.

 

so in all reality, you've simply been accused of traveling on one journey [in their letter]

and failing to swipe your card...

 

you wont get a criminal record if that's how they see it.

 

it was obvious to the inspector that you were suffering from 'whatever' problem.

 

simply write a very grovelling [but short!] letter

apologising for the error [mention you had had a bad night etc etc]

and offering to pay any admin fees and subsequent equivalent fines

to avoid a criminal conviction as this would jeopardise your future employment in XYZ type of job.

 

dx

 

 

I agree with dx : it is worth a try to see if they will accept an "alternative disposal". (Don't say "out of court settlement", though that is what it is).

 

I WAS going to say "don't bother for Freedom Pass abuse, they almost always prosecute" but then noticed you gave the officer the "normal" pass.

 

Just to clarify : the officer didn't see you use the Freedom Pass and never saw it?

It didn't feature AT ALL when you were stopped?.

If so: you may well have had a very lucky escape.

 

 

I'm not condoning what you have done NOR trying to be judgemental, merely commenting on the effect on possible outcome if the inspector never mentioned Freedom Pass abuse in their report.

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  • 6 months later...

and what happened in the end?

 

 

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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