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    • there's no rule of thumb but rarely do you see lowells drop a claim until after the disclosures stage it just really depends upon what 'cards' they hold like enforceable agreement, DN, NOA etc etc however due to andyorch's excellent help - we see most discontinued...   one thing that also plays a part is when the card was taken out too. yours was taken out?   these will give you a good benchmark and also help with defence and after process   https://cse.google.com/cse?cx=partner-pub-8889411648654839:3134625398&q=lowell claimform vanquis won discontinued&oq=lowell claimform vanquis won discontinued&gs_l=partner-generic.12...166572.185174.0.188553.41.41.0.0.0.0.92.2663.41.41.0.csems%2Cnrl%3D13...0.18609j16146633j41...1.34.partner-generic..34.7.458.uRZnbd8y-qY
    • On Monday the 27th of July 2020, i signed up with Anglian windows to work as a canvasser over in East London, the interview went well. I started working and had to use a app on the phone to make appointments. The deal was if i got a lead on the door and the salesman went round to the customer and and priced it i would get paid for it.  I started working the following week, i made leads, but i had problems with the app not working as well as it should, the app would give me results on my leads.  Long story but they where working some leads and forgetting to work other leads and not up dating the app, so i did not know my results. My wages where wrong and i decided i could not work for the company. I gave them over 20 leads and was only paid for 3.  I told them i was leaving, that was fine, they said they would work my leads and pay me, they even sent me a text message to say one of my leads has been priced and i would get paid for it.  No money was paid, i have sent messages to the regional manager and no answer, in the end i started emailing head office and they said they would look into it but i am getting nowhere.    What can i do.
    • Do try and keep up It was quite clear I was referencing any lingering hopes you may hold of rejoining the wretched institution
    • thanks, will do   after reading a lot of the other posts like you said to, is it a good defence statement that makes them think about dropping it?
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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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I recently realised that Equifinance had failed to send me any statements for a loan I took out at the end of 2013.

 

 

I have just written and made a complaint about the failure to produce them as CCA 77A 1(a)(b)and request that the interest charged during the failure is removed from the account as it shouldn't be charged as CCA 77A 6(b).

 

Equifinance have acknowledged my complaint and are investigating.

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Thread moved to the appropriate forum....this is the media section hisholinessthepope ...

 

Regards

 

Andy

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  • 1 month later...

Well Equifinance wrote back and produced various statements that neither Mother Teresa nor myself had even seen.

 

 

Odd the accounts in joint names and Equifinance always write separately to Mr Pope and Mrs Pope, both the letters with the statements in went missing. Very very strange and so unlucky!

 

the statements they "produced" are in fact inaccurate.

So the whole lot is now with the FOS.

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I found our bank did this with a joint account - sending statements separately. I think it is some kind of safeguard - if one person is just putting the statements into the bin, the other will at least see if there is a problem.

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