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    • yes sadly thats how the sharks work.   i've moved you topic to the blemain forum.   100's of threads to read here. but you are doing the best thing for now and thats get all the info. there could well be £100's if not £1000's in unlawful penalty fees too.        
    • Don't think its an age thing Nain worried she can't buy grandchildren a winter coat, or a newborn baby bottes yes baby equipment like bottles and sterilising equipment Non Essential.   Think its more Drakeford's supporters who are right on hard left do as you are told or else types.
    • Do you know if that split is age related?  It's the difference between those who those who want to retain as much normality as possible while doing the best we can and the camp which seems to think hunkering down with our eyes closed and fingers in ears will make it all go away.  That latter lot include the sub group which for some unfathomable reason seem to think inflicting as much extra misery as possible on everyone (to no purpose) is the answer.    
    • Thank you and yes it was a 10k loan in 2007  but the amount outstanding currently is £17k 
    • Sounds like you've done some great detective work there, well done!   So you now have a good timeline; the car was purchased by the dealer who performed an HPI check and found no finance outstanding. They then sold it to someone who took out their own finance in August 2020. That person sold it to you without informing you that there was finance outstanding in October 2020.   I would think that it would be realtively straightforward for a solicitor to write a letter to MB with the pertinent facts (they will obviously know when and by whom the finance was taken out) and request that they issue a good faith title. It should only cost about £150.   I echo what others have said; don't hassle the seller. I know it is really frustrating and annoying, but he has proved himself a liar and only has to tell the Police that you threatened him and you'll be in trouble!
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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
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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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Hi

 

i have had a similar experience with a child minder

 

She took me via MCOL to a county court over a debt

the claim was struck out but

 

now she has instructed bailiffs.(correction -a dca - DX)

 

What I need to know is if the claim was struck out how come she can instruct bailiffs , has she broken any laws in doing so and can i now counter claim?

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HI I've been taken to a county court by a child minder for non payment .

 

 

The claim was struck out by the judge but

 

 

the other day i received a letter from a bailiff .

 

 

What i need to know is if the claim was struck out has she acted unlawfully by instructing bailiff and can i now counter claim.

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Have you received the letter from the County Court yet stating this fact? If so give or send a copy to the office of the EA and then inform the issuing Court of this action

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I don't think you mean a bailiff

 

 

I think you have a letter from a DCA

 

 

they ARE NOT BAILIFFS

 

 

whos it from.

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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Hi i have had a similar experience with a child minder She took me via MCOL to a county court over a debt the claim was struck out but now she has instructed bailiffs. What I need to know is if the claim was struck out how come she can instruct bailiffs , has she broken any laws in doing so and can i now counter claim?

 

She cant...and you have conformation the claim was Struck Out / She didn't set it aside?

 

If not then simply show the Bailiff the Strike out order.

 

Andy

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I bet its a Baliff company that also does DCA work

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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I had a disagreement over opening hours with a child minder .

 

she did not open when she said she would ie at 7 am .

This cost me money as I am self-employed .

 

i found another setting for my children and refused to pay her as she had broken a written and verbal contract.

 

She took me to the county court and the judge struck out the claim

 

.Now she has instructed a collection agency to recover her so call losses

 

.I have spoken to the court and they have informed me that she is breaking the law by engaging this collection agency.

 

I wish to counter claim on MCOL but am not 100% certain what laws she has broken.

 

For sure she has cause my family upset and distress .

 

This case has been going on since the summer hols 2014

 

anybody got any suggestion what i can pursue her with through MCOL. thanks:-x

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Threads merged

 

She has not broken any laws by employing a powerless dca

 

They are not baillifs

And have no legal powers whatsoever

 

Simply ignore them

 

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 mikeymack2002 but what is an EA

 

Enforcement agent another word for bailiffs

 

In your case you are dealing with a debt collector

They have no powers apart from talking dribble (similar in that aspect)

They can be ignored they will give up eventually

Once they realise they won't get any money out of you

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If i have helped in any way hit my star.

any advice given is based on experience and learnt from this site :-)

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Hi, I agree somewhat with the others opinions however, I suspect she hasn't informed BFL that the claim she made was struck out. BFL can take no action against you as this matter has already been decided by the courts.

Personally, I would send BFL one letter with a copy of the strike out notice and put them on warning that any further contact will be treated as harassment.

 

Just to show what a poor company they are, the home page still displays an 'OFT approved' logo. The OFT are no more and haven't been for some time now.

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Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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:-ohi and thanks

 

 

i feel so strongly about the way this child minder has behaved she is just a bully

and i want some sort of redress for the way she has acted.

 

 

I,m in business myself and if i acted like her i would have no customers.

 

 

she has constantly either by phone or text demanded this money that i do not owe her.

 

 

I want to take her through the courts so she cant do this to other parents.

 

 

she cited on the court papers that i had committed Fraud

 

 

is this Defamatory and can i get her on a harassment charge for demanded money with out due cause?

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:-ohi and thanks but i feel so strongly about the way this child minder has behaved she is just a bully and i want some sort of redress for the way she has acted.I,m in business myself and if i acted like her i would have no customers. she has constantly either by phone or text demanded this money that i do not owe her. I want to take her through the courts so she cant do this to other parents.she cited on the court papers that i had committed Fraud is this Defamatory and can i get her on a harassment charge for demanded money with out due cause?

 

Send a brief letter/email to the DCA and enclose a copy of the Court’s Order which confirms that you are not liable for the debt claimed by their client and therefore if they (DCA) make any further attempt to contact you in relation to the same, you will make an application to Court for an Order against them and their client under s.1 of the Harassment Act 1997.

 

 

Send a copy of your letter/email to the child minder and also state:-

 

 

The purpose, therefore, of this correspondence is to put you on notice as to the same.

 

 

No further notice will be served.

 

 

All rights as to disclosure hereof are reserved.

 

 

ibberty bibberty

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Well you can most certainly apply to the court for a restraining order against her.

 

If her comments are defamatory, then that is another matter entirely, but in order for you

to get her to stop the harassment, then a RO would be best IMO.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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