Jump to content

  • Tweets

  • Posts

  • Our picks

    • 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
      • 49 replies
    • 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.
       
      • 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!
        • Thanks
        • Like

Debt advice for dad on deceased moms debt - provident/debt managers ( services ) ltd


Please note that this topic has not had any new posts for the last 1504 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

  • Replies 50
  • Created
  • Last Reply

Top Posters In This Topic

No

DMS for moorcroft?

 

Moorcroft don't buy debts

Debt managers don't buy debts

 

So each are hiding the true nature of this debt

 

Which 99/100 means its bogus

 

They are not bailiffs

 

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... 

 

 

Link to post
Share on other sites

1st option

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... 

 

 

Link to post
Share on other sites

Further update on this subject .

... My father received a letter from Provident stating that they had made a business decision and cancelled all debt ...

Great news and gratefully received .

 

Debt managers (managers ) ltd continue to send nasty letters to my father

along with Moorcroft debt recovery through their solicitors ( Russel & Aitken ) .

 

Debt managers cannot furnish him with the credit agreement

but continue to pursue this debt threatening Count court ,

adverse credit rating and potential costs .

 

regards

 

rs

Link to post
Share on other sites

DO you have in writing that Provident have cancelled the debt ? If they instructed the DCA, then ask the Provident to recall the account and tell DM to cease and desist.

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

Link to post
Share on other sites
DO you have in writing that Provident have cancelled the debt ? If they instructed the DCA, then ask the Provident to recall the account and tell DM to cease and desist.

 

Have it in writing , no DCA involved , tremendous gesture thank you

Link to post
Share on other sites

debt managers, Moorcroft and Russel & Aitken

are a sep debt from the provi one CB.??

 

now this letter from Russel & Aitken

their client is?

and do they hint at what the debt is?

we still don't know this do we?

 

 

call serve rings a bell too

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... 

 

 

Link to post
Share on other sites
debt managers, Moorcroft and Russel & Aitken

are a sep debt from the provi one CB.??

 

now this letter from Russel & Aitken

their client is?

and do they hint at what the debt is?

we still don't know this do we?

 

 

call serve rings a bell too

 

Russel & Aitken client is Moorcroft Debt Recovery

 

The strange thing is that the ref no on the Debt Managers (services) ltd letter is the same as the Russel &Aitken letter ?

Link to post
Share on other sites
Russel & Aitken client is Moorcroft Debt Recovery

 

The strange thing is that the ref no on the Debt Managers (services) ltd letter is the same as the Russel &Aitken letter ?

 

sorry , no ....still no idea of origin of debt

Link to post
Share on other sites

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... 

 

 

Link to post
Share on other sites
  • 3 weeks later...

Further update on this

 

Debt Managers ltd - Moorcroft Debt Recovery

 

The above have instructed CSL ( Credit Security Ltd ) to collect the outstanding debt

 

They have given my father 10 days to answer this debt and have threatened a doorstep visit by a collector if they do not hear from him .

 

Will update when this happens

 

Regards

 

rs

Link to post
Share on other sites
Further update on this

 

Debt Managers ltd - Moorcroft Debt Recovery

 

The above have instructed CSL ( Credit Security Ltd ) to collect the outstanding debt

 

They have given my father 10 days to answer this debt and have threatened a doorstep visit by a collector if they do not hear from him .

 

Will update when this happens

 

Regards

 

rs

 

dirty mac brigade

as with all DCA's utterly powerless

on the phone in letter or at your door

 

they are not bailiffs as you well know

if they do appear

simply tell them to leave

or you'll call the police

 

door and on the phone you never say nowt...NOTHING

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... 

 

 

Link to post
Share on other sites
DO you have in writing that Provident have cancelled the debt ? If they instructed the DCA, then ask the Provident to recall the account and tell DM to cease and desist.

 

Further update on this

 

Debt Managers ltd - Moorcroft Debt Recovery

 

The above have instructed CSL ( Credit Security Ltd ) to collect the outstanding debt

 

They have given my father 10 days to answer this debt and have threatened a doorstep visit by a collector if they do not hear from him .

 

Will update when this happens

 

Regards

 

rs

 

 

I think you need to write just one letter to this company and enclose a copy of the letter from the Provident. If these DCAs still continue to hassle you afterwards, you should then make a complaint to the Financial Ombudsman.

 

 

If the Provident have said in writing that the debt is cancelled - then to have others harassing you for a debt that has been written off, is out of order.

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

Link to post
Share on other sites
I think you need to write just one letter to this company and enclose a copy of the letter from the Provident. If these DCAs still continue to hassle you afterwards, you should then make a complaint to the Financial Ombudsman.

 

 

If the Provident have said in writing that the debt is cancelled - then to have others harassing you for a debt that has been written off, is out of order.

 

Hi , the Provident debt is a completely different debt and not related in any way , i sent both Provident and Debt ( Managers ) Ltd requests for the original credit agreement , Provident replied saying debt was now finished and no further pursuit would be made .

 

Debt (Managers) Ltd replied saying " Unfortunately this request cannot be be granted as there is no agreement available " and continue to pursue the debt

 

regards

rs

Link to post
Share on other sites

Was the debt solely in your Mother's name and did she die intestate ? If so, then there is little point in pursuing ?

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

Link to post
Share on other sites

My father has no recollection of this debt so it must have been in my mothers name ,

 

it is the reason why i requested a CCA , however they don,t have the original contract

 

she never left a will

 

rs

Link to post
Share on other sites

If they don't have the original contract or any proof the debt is owed how are they going to take anyone to court? Ask them when the last payment was made on the alleged account and by what method and can they prove payments were made by your mother

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

Link to post
Share on other sites
If they don't have the original contract or any proof the debt is owed how are they going to take anyone to court? Ask them when the last payment was made on the alleged account and by what method and can they prove payments were made by your mother

 

They won`t speak to me and have denied my fathers verbal consent for me to speak to them ... What more can i do ?

Link to post
Share on other sites

Write them a letter and get your dad to sign it (send by recorded delivery) if you need help with the letter let us know.

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

Link to post
Share on other sites
Write them a letter and get your dad to sign it (send by recorded delivery) if you need help with the letter let us know.

 

Will do , thanks

Link to post
Share on other sites
  • 1 month later...

As to date , there has been no further correspondence from this company and so hopefully it is the end of the matter

 

Thank you to all who helped me during this difficult time

 

thanks again

 

rs

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...