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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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CCj entered -lowell and Brian carter


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I have had a letter from Brian carter Solicitors saying that a ccj has been entered against me on the 17 December 2015.

 

 

I did get the court papers but stupidly ignored them after reading different things on the internet about not admitting anything.

 

 

The bill is for £501.64 and he is asking for £50 a month which I can't pay.

The letter says they will consider further enforcement action if the payment is not made.

I don't know what to do.

 

I have also received another letter from Lowell which says pre legal assessment

threatening another bill being sent to their solicitors (probably Brian carter again) .

The bill is for £836.77 and the letter talks about ccjs and possible bailiffs.

 

I have absolutely no idea where I stand as far as bailiffs are concerned. I don't own my home.

Do I have to let them in? I've seen programmes on bailiffs and the thought terrifies me.

 

I realise this is my own doing but trying to pay rent and council tax as well as feeding 2 kids has been my main priority.

 

I had these debts as well as some others with stepchange but the payments got too much and I had to cancel the agreement.

Stepchange said one of the options was bankruptcy but I panicked and just left things.

But because they have been paid a little bit, this is surely classed as acknowledgement of the debt?

 

Any advice would be greatly appreciated. I'm frightened of answering the front door.

 

Thanks, Tracey

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who are the creditors in each case? and what were the debts for eg credit card/ loan etc

 

what did the court order as regards repayments, or was it a forthwith judgement?

 

what was the date of the actual judgement?

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Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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forget bailiffs.

wont happen.

 

 

make a new thread for the threat-o-gram

 

 

tell us about the CCJ 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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I have had a letter from Brian carter Solicitors saying that a ccj has been entered against me on the 17 December 2015.

 

 

I did get the court papers but stupidly ignored them after reading different things on the internet about not admitting anything.

 

 

The bill is for £501.64 and he is asking for £50 a month which I can't pay.

The letter says they will consider further enforcement action if the payment is not made.

I don't know what to do.

 

I have also received another letter from Lowell which says pre legal assessment

threatening another bill being sent to their solicitors (probably Brian carter again) .

The bill is for £836.77 and the letter talks about ccjs and possible bailiffs.

 

I have absolutely no idea where I stand as far as bailiffs are concerned. I don't own my home.

Do I have to let them in? I've seen programmes on bailiffs and the thought terrifies me.

 

I realise this is my own doing but trying to pay rent and council tax as well as feeding 2 kids has been my main priority.

 

I had these debts as well as some others with stepchange but the payments got too much and I had to cancel the agreement.

Stepchange said one of the options was bankruptcy but I panicked and just left things.

But because they have been paid a little bit, this is surely classed as acknowledgement of the debt?

 

Any advice would be greatly appreciated. I'm frightened of answering the front door.

 

Thanks, Tracey

 

If you are on benefits or low income, you may not have to pay a court fee to make a variation order application, where repayments can be set based on your ability to pay. If you speak to National Debtline about your situation, they can advise you on whether your income situation means you would not need to pay a court fee to apply for such an order and they also can tell you what court forms to complete.

 

Given that you have other debts, it sounds like you need advice about them as well. It is whether you want to provide more info online or whethe you get confidential help from National Debtline or Stepchange,

 

Bryan Carter /Lowell obtain large numbers of CCJ's and they don't always appear to chase for payment too much. But it is better if you sorted out affordable payments, with application to the court if necessary,

We could do with some help from you.

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Thank you for replying. I will post another thread about the threatened one which thew original debtor was Creation Finance for a sofa from DFS.

 

The actual CCJ is for original debtor Orange which was argued at the time because the contract was ended but they carried on charging and then put charges on etc. It went to fredrickson and Lowell, then Brian Carter. The judgement is dated 18th December 2015 and the court ordered £50 per month from the 17 January 2016.

 

Tracey

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you can apply vary the court order by using form N245,to what you show you can afford, if the creditor agrees then there will not be a further hearing

 

as UB says if on low income you may not need to pay a fee

 

https://www.nationaldebtline.org/EW/factsheets/Pages/08%20EW%20County%20court%20-%20suspending%20a%20bailiff's%20warrant%20or%20reducing%20instalments%20on%20a%20county-court%20judgment/Default.aspx

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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shame you didn't defend the orange CCJ

 

 

as there was a dispute you could well have gotten it nulled if you'd come here earlier.

 

 

I take it you got the claimforms etc but simply did nothing with 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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