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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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      • 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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Long Standing DMP, How to make a settlement offer, Please Help!


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I have been on a DMP with the charity Step Change for a number of years,

the original debts being a Lloyds Bank loan I was encouraged to take on as a "consolidation" during a bad patch back in 1999,

and a credi card still with Lloyds going back the same period,

totaling about 20.000 plus couple of "minor" cards and an overdraft, totaling around 25k.

 

After few years of re-payments, I managed to bring back the balance which currently it's around 12.000,

however I have recently separated from my wife and this has had a pretty devastating effect, on the financial aspect of things as well as everything else,

 

I have 3 children and things just don't add-up.

I currently have access to a relatively small amount of money which is the result of a share of the sale of an old property, about £6'000

and rather than seeing it disappear as they will

 

I am thinking of trying to offer a settlement to the various creditors,

who are

 

 

Akinika Debt Recovery (5.500.00)

Pira Group Barclays (1000.00),

Npower 707.00),

Lloyds PLC (397.00)

plus Cabot Financial, who just took over from Allied International Credit and is not currently included in the DMP.

 

As I haven't test spoken to them but they are writing about their acquired balance of £6'321,

it seems a bit of a long shot to put an offer to each of them totaling £6000,

 

 

but the truth is I will have to ty, failing that, due to my new circumstances

I wouldn't be able to keep up the £357 monthly payments to Step Change

and the only other option I can see would be filing for bankruptcy.

 

With all the consequences of the case on my job etc, in any case I wouldn't know where to start with offering settlements,

and above all without risking losing the sum, or how to make sure that they would actually agree for it to be a final settlement

and not just an extra payment, and would it be better to approach them myself,

as I suspect Step Change wouldn't enter any hard- negotiation of this sort on my behalf?

 

 

Is there a template letter I could use to get me started?

 

 

Have I got any real chance here?

 

 

any help would be greatly appreciated, sorry to be so long

Edited by Andyorch
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Before making any offers get a CCA request off to all of your creditors...

 

For these templates please click the link above

 

Thanks, do you mean the link for the CCA request templates, or for a template for a letter of offer of settlement, or both? also just to fully understand, would I request a CCA to check if any of the debts are still enforceable?

 

Many Thanks

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I would not be paying anything to anyone

without checking they have the legal paperwork to even demand money from you.

 

 

step chance never do any checks

they just blindly pay people.

esp fleecing DCA's.

 

 

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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Akinika Debt Recovery (5.500.00) - send a CCA request

Pira Group Barclays (1000.00), - send a CCA request

Npower 707.00), - pay it off

Lloyds PLC (397.00) - send a CCA request

plus Cabot Financial, who just took over from Allied International Credit and is not currently included in the DMP.- send a CCA request

it worries me you have debts being passed around DCA's

this smells of you being cash cowed blind for years.

why don't you send an SAR to Lloyds

as if most of your debts original from them

there could be lots of PPI and penalty charges to reclaim?

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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Thanks, there could well be PPI to reclaim,

Lloyds even sent me a letter stating I had PPI on the loan,

this came at the time of family chaos following separation

and could not deal with it at the time.

 

 

..PPI claim looks like a jungle yo me and do not know where to start with it,

I shall visit the appropriate forum and start a thread there

 

with regards to CCR, I will send requests to all bar Npower,

but it is still unclear to me what to do with it once I receive them?

 

and what is the difference between SAR and CCA??

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CCA request goes to anyone you are currently paying

it compels them to produce the signed agreement they must legally hold

to demand payment from you.

 

 

however if any of your debts are bank accounts, they arenot covered by the Consumer Credit Act.

 

 

many dca's simple spoof people with powerless threat-o-grams

making you think they are things like bailiffs and can get you in to jail

the truth is they are powerless and have no such legal powers.

just pocketing your money

the OC wrote the debt off years ago and sold it on to the fleecres

 

 

an sar goes to the original creditor of a debt

[but you only need ONE per bank for all accounts they hold about you.

 

 

that gets the statement to go reclaiming.

 

 

read the CCa and sar threads

all is explained there

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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Reclaiming PPI is quite simple - if you know it was on there, send a Subject Access Request for your statements. Once you receive these, then you just complete one of our spread sheets and then ask for your money back. If the debt is still with the original creditor, they will almost certainly want to offset any refund against any outstanding balance (if there is any left over this would be sent to you).

 

I would be inclined to repay the Npower debt if you have the funds to do this as this is a priority debt.

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

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I'm not sure if there is a specific Forum for PPI, I couldn't find one to start a new thread, but basically once you have all statements relevant to the Loan Account in question, how do you calculate the amount of PPI in it, and what percentage of those can you ask to re-claim?

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not an issue

post here for now

but I'd get all the info on everything first

 

 

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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  • 3 weeks later...

Ok, Happy New Year to all and all that, so everybody has now responded,

namely CABOT, which was the original Lloyds Credit card,

have sent a letter declaring that they do not hold the requested infos on file

and because they will have to request documents from original lender,

while acknowledging the 12 days limit over which the account becomes unenforceable

, they anticipate a time of 40 days to provide the informations,

 

Akinika, who took over the original Lloyds Loan,

have responded more or less in the same tone, b

ut arguing about their duty to provide informations about having bought the debt,

which they say it wasn't bought but marly passed on to them by Lloyds,

I'll see if I can upload their letter

 

Then there's PRA who took over from Barclaycard,

they say that again, they will provide the original agreement which they have requested from Barclays,

but again, they will not provide a certified copy of Deed of Assignment,

as it contains "sensitive commercial informations in relation to their business"

which means they are not obliged to provide me with these!

 

The most interesting is Lloyds themselves,

who have promptly provided copies of the original agreement

(this would be the same loan that Akinika are chasing), again will try to post here ,

 

 

where it clearly shows the detailed original agreement including the PPI amount etc,

and copies of statements showing payments, including PPI,

 

 

interestingly, the agreement and statements relates to the second loan,

the one they pushed me to take on as "consolidation" and "best way to borrow"

by an arrogant bank "supervisor" after I found myself in difficulty

 

There was an original loan which was greatly responsible for the future financial problems

and consequent spiraling debts, and ultimately the big "consolidation" loan of 2007

 

There is no mention anywhere of this original loan which approximately goes back to 1997, and with which I was sold the PPI product,

which I was advised by the Lloyds agent, would help the approval of the loan,

even though, as self-employed, I should have been advised against

 

The thing is, how do I go about to request details of that original loan, that became part of the later "consolidation" loan?

 

Sorry for the long post but it is obvious I have multiple problems on my hands and despite managing to reduce the debt overall over the course of the years

, I am faced with the Lloyds PPI side of things which looks like could generate some relief,

while at the same time making sure I don't need to pay a penny more that I have to towards all the others

 

Thanks in advance

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I have tried to upload scans of the response letter but not sure if they are actually visible?

 

Hello. Yes, they're visible. If you can't see what you just posted, try clicking the Refresh button on your browser.

 

Sadly, I've had to remove your post because you've left account numbers and your address on the attachments. Please depersonalise them using a program like Paint and repost. It's best to keep things anonymous.

 

HB

Illegitimi non carborundum

 

 

 

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There seems to be a template going around various DCA's that reference DOA when that was never asked for. I bet none of them hold the correct paperwork which is why your debts have been passed around and step change never questioned it.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Hope they are visible, but can PRA get away with just declaring that they are not obliged to provide me with a copy of deed of assignment because these include sensitive information in relation to their business??

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dunno where this DEED of assignment request is coming from.

 

 

its NOT on any of our CCA request stuff

 

 

if you asked for it then where did you get the template you used from.?

 

 

however they are quite correct.

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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unapproved

 

 

loan and various other pers info still showing on one or more docs

 

 

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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I sent them two letter using templates, both found them on the templates page here, one being the CCA request, the other being the Assignment Request Template....in which it is requested to be shown the "Written Assignment", a document that may also be referred to as the Sale Agreement or the Deed Of Assignment (I am quoting the template), I have used this template, as advised on this thread, to ask to see proof of a debt being passed from a company to another....

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