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    • Hi BankFodder,   Just a quick update:   Parcelhero have been in contact with me each day, they've been trying unsuccessfully to get hold of Hermes, so after a week we've moved to the claims process. The chap who's helped me through it has been good, so I've not had to ask any questions here etc.   I've submitted my claim, and I'll let you know what happens as a result of that.   Wanted to extend a thanks your way once again, the conversation put me at considerable ease.    
    • The agreement was for 18,000 miles per annum, I had the car 31 months. Someone has done some handwritten 'calculations' on one of the enclosed sheets, which says "mileage allow = 46,500" "1,500 x 31months". And on another sheet it has 5107 miles down as excess mileage, which would give this figure of 46,500 (as the mileage on handback day was 51.607), but I can't understand where this 46,500 comes from, or am I missing something here? 🤔   So Ford can just come up with spurious charges, put defaults on my credit file, sell on the non-existent debt, and just walk away, leaving me to spend hours sorting it out?   Am I to just ignore Link forever more, or will they eventually just stop bothering me?
    • If you ring and say you have been misled, they may intercede and help. But it is your fault, so apologetic is the operative word here.  Sorry about the multiple posts. See, like that 
    • Just to add to the above.   The bailiff collects both fees and the sum due to the court in one sum, "the amount outstanding" as far as they are concerned there is just a £75 shortfall.
    • Hi I am afraid you have been misled initially.   The Compliance fee, is due from when the warrant is received by the bailiff, not from when the notice is sent. As you quite rightly say it is to cover expenses which may include searches etc, these would have to e done before the NOE was posted to you. Stages of enforcement for which fees may be recovered – enforcement other than under High Court writs 5.—(1) The relevant stages of enforcement under an enforcement power which is not conferred by a High Court writ are as follows— (a)the compliance stage, which comprises all activities relating to enforcement from the receipt by the enforcement agent of instructions to use that procedure in relation to a sum to be recovered up to but not including the commencement of the enforcement stage;   Payment to the court is always a bad idea once the debt has been transferred to enforcement, as it slows down the procedure, as the sum will not be paid until confirmation is sent from the court to the EA. You are not the first to fall for this "advice".
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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
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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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Hi all,

 

Well after following all the great advise on this forum CCA letters to creditors etc.

 

 

I am now in the position where I would like to cancelling my DMP with StepChange,

going alone ( only 2 creditor have relevant paperwork ).

 

 

Ive had a look, but I can't find any template for termination of DMP

 

 

any help would be great as I'm no letter writer.

 

 

Do I just request termination or do I have to give reasons etc.

 

Many thanks

 

Helen

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no simply cancel it

no need really to ask anyone

 

 

if you wish you simply stop paying them the DD cancel 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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As a courtesy I think you should just write and say that you are now planning on dealing with your DMP yourself.

 

I think you should also ask StepChange for any statements that they might have so you know what has been going on with the payments. If they are reluctant to provide this information, then you can send them a Subject Access Request.

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Uploading documents to CAG ** Instructions **

 

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Dealing with Customer Service Departments? - read the CAG Guide first

 

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2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

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.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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As a courtesy I think you should just write and say that you are now planning on dealing with your DMP yourself.

 

I think you should also ask StepChange for any statements that they might have so you know what has been going on with the payments. If they are reluctant to provide this information, then you can send them a Subject Access Request.

 

I did exactly this.

I asked Stepchange for copies of paperwork and they were reluctant to provide much. I then said I would issue a SAR and they immediately invited me to their office to choose any documents I wanted copies of. They then photocopied them while I was there.

Love your enemies - it drives them crazy.

Thanks to Bobby Thompson (1911-1988) for the user name:"Let them knock, the paint lasts longer than the skin".

nec temere nec timide

 

So far, all done free for friends:

Cabot - F&F reduced debt by £7700 (70%)

NatWest - PPI claim - £1,800

NatWest - PPI claim - £6,200

NatWest - PPI claim - £3,000

Co-op Bank - PPI claim - £5,200

Halifax - PPI claim - £2,800

NatWest - debt identified as statute barred - £1,900

NatWest - debt identified as statute barred - £2,700

NatWest - loan identified as unenforceable - £13,400

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I did exactly this.

I asked Stepchange for copies of paperwork and they were reluctant to provide much. I then said I would issue a SAR and they immediately invited me to their office to choose any documents I wanted copies of. They then photocopied them while I was there.

 

Excellent news.

 

Bit naughty in their first response though !

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

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

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.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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