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    • Apologies HB. Thanks for moving.   Thanks Emmzzi, just what I was looking for. That helps a lot.
    • Please monitor this thread for a reply later today
    • Plans for the Mitsubishi SpaceJet have been frozen due to budget cuts amid the virus downturn. View the full article
    • your right to reject has not been affected. at the very least you now have moved into the 6 months period where under the Consumer Rights Act you are entitled to give a single opportunity to repair after which you are entitled to reject the vehicle. maybe it will be a good idea to provide them with a letter to make  clear your position and what will happen if the whole matter isn't completely sorted out.   If that appeals to you then you might like to draft a letter and post it here and we can have a look. I think it's a good idea to state your position clearly so that nobody is in any doubt.   in terms of your part exchange vehicle, if you reject your new car then they will be obliged to refund you the entire asking price of it. In other words they will be obliged to substitute a money value for your old vehicle.   it might be worth stating that as well in your letter for clarity. I would suggest that in the intervening time it would be worth making a list of all the losses that you have suffered as a result of this situation and then if it looks like a worthwhile figure then we can help you claim it back            
    • Morning dx its signed, will post a picture when I get back from work what they sent her and have a read of some of the thteads you mentioned.
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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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Lowell/Carter Claimform - old lloyds OD poss SB'd***Claim Struck Out***


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Hi all,

 

i have just received a court claim letter requesting payment for what appears to be an old overdraft for just over 500.00 pounds.

 

As far as aware i requested the account to be closed approx 6 to 7 years ago.

 

Do not recall having letters from lloyds bank, only letters and phone calls from dcas.

 

Can overdrafts be statue barred???

 

If so how can i find out??

 

No payment has been made to account for years.

 

Also got letter from carters saying court letter will come

and to call them to discuss?

Are they bluffing?

Any help advise please.

 

many thanks

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Hi all, i have just received a court claim letter requesting payment for what appears to be an old overdraft for just over 500.00 pounds. As far as aware i requested the account to be closed approx 6 to 7 years ago. Do not recall having letters from lloyds bank, only letters and phone calls from dcas. Can overdrafts be statue barred??? If so how can i find out?? No payment has been made to account for years. Also got letter from carters saying court letter will come and to call them to discuss? Are they bluffing? Any help advise please.

 

many thanks

 

Not bluffing, if you have received a court claim issued by county court.

 

Can be statute barred. You would need to check with the Bank concerned, when they received a last payment from you and when the account went into default.

 

If you check your credit record and this debt is not on there, it is a good indication it is statute barred.

 

Will ask site team to move to legal.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

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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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Thanks for replys.

 

 

May sound silly but if moved to legal where will i find tnread??

Where is legal thread?

 

 

As to when bank terminate, not sure.

 

 

Only had letters off diffrent dca over the years.

 

 

Court letter says assigned to claimant in june 2014?

 

 

Take it thats when lowells took it on?.

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Scan to PDF by upload

 

Let's see it please

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 dx 100uk and obiter.

Yes it is the n1 form.

 

Think what confused was the blue thing, was thinking letter should be blue!!

 

Dx 100uk can try and up load but not good with computors but will try.

 

May take me a day to work it out.

 

Will check my credit file to see if its on there.

 

Also what is best way to do acknowledgment of service, on line or post? Sorry if this sounds silly.

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Also what is best way to do acknowledgment of service, on line or post? Sorry if this sounds silly.

 

Do it onlne.

 

Re statute barred status of account, you are going to feel nervous about contacting Lloyds, but it will be the quickest way of finding out the date the account was treated as being in default. If you have the sort code and account number, plus other basic details, you should be able to get the information from Lloyds customer services helplne. I would not rely on Lowell or Bryan Carters providing you with correct information.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

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Hi unclebulgaria67 many many thanks for reply, also to others.

 

 

Will feel nervous calling lloyds!!

 

 

Will do the court acknowledgment on line,

then hopefully will have email reply from them to confirm.

 

 

Am going to check exprian in bit when have time to see if its showing on my credit file.

 

 

Will default date show on credit file?

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Hi unclebulgaria67 many many thanks for reply, also to others. Will feel nervous calling lloyds!! Will do the court acknowledgment on line,then hopefully will have email reply from them to confirm. Am going to check exprian in bit when have time to see if its showing on my credit file. Will default date show on credit file?

 

Yes the debt should be on record if within 6 years, but if not showing does not mean statute barred. Lloyds may have forgotten to add it.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

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can out fill that link out in post 4 please

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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http://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-December-2014

 

 

goto the above link

 

 

copy and paste the questions in to a msg box here

then answer the questions

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 dx 100uk, understand now, put questions and answears here!

Sorry for sounding silly, am looking after mother in law who is ill and trying to do this but in private.

 

Will do this when on laptop not tablet.

 

Obiter, yes need to find default date.

Account was opended in approx late 2006,

but no money paid in and not used since 2007/2008.

 

Trying to get credit report from noddle but seems to be not working!

Will try experians 30 day free trail.

Are experian o.k to use?

Will checking my credit file have any chain reactions,

like companies or any other debts being notified?

 

well just tried joining Experian, and will not accept visa debit cards!!!!

 

will try calling Lloyds in the morning and see if they can help with default date.

 

I take it when you do the acknowledgment of service on line, you can do THAT only,

and then do defence and counterclaim or admission etc a bit later???

 

 

is that right??

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Fill that link out please

 

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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hi dx 100uk and others.

 

 

would do the link but have been in garage and shed and found some old paperwork relating to this overdraft

and it looks like the account was in use in middle of 2010,

 

 

I must have deposited some money into it.

looks like this will be paid now, as not 6 years old.

 

 

many thanks for everyones replys.

 

 

have got some other issues with credit cards so am sure will be back soon enough!!!

guess this thread can be locked???

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please can you do what has been asked

 

 

just because you have found evidence you poss owe this money

doesn't mean the claimant will

 

 

help us to help you all is not lost.

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 dx 100uk, thanks for reply.

 

 

have not done anything yet as still checking through paperwork.

 

 

I will do the link thing later today. just getting nervous of the timescale.

 

 

claim was issued on 23rd September, but have 5 days service, so bit of time.

 

 

please can you reply to thread so I know you have seen this??

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ack [aos] need to be done by the 19th at the very latest

 

 

 

 

got that CPR running yet?

 

 

it matters not what you hold..it what the claimant holds

 

 

you seriously need to get that link moving.

 

 

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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