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    • Update on this for you:   Quick reminder, I wrote to Ford Finance for the SAR, and I also wrote to Link (again) requesting a breakdown of the alleged debt and how it was calculated. I have since had two identical letters from Link at the beginning of October just saying I owe them £628.83, but nothing addressing the alleged debt calculation/explanation whatsoever.   At the same time as the above letters, I also contacted Experian to refute the default on my credit record that Link had placed there. Experian have emailed to say they contacted Link and have had no response from them within 28 days regarding this, so Experian have suppressed this information from my report.   The SAR reply from Ford Finance has arrived. The £628.83 charge shows on the SAR comprising as "£14.99 D/Charge" (whatever that is), and "XS mileage £612.84", apparently worked out pro-rata.   As ever, any advice or comments most gratefully received as to how to proceed.   Thanks.    
    • Ok, so I would just ignore demands from ARC for now.   See what they do over the next few weeks and keep us posted ...........
    • click create in the top red banner   dx  
    • ok but that doesn't give us dates.....  
    • DD cancelled roughly a month after they stopped taking payment. Last used the gym a day before they closed. Used it almost daily. 
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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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Hi everyone, long time no see.

 

Quick story:

Was subject to a disciplinary in Feb 2012 and went to get some 'proper' legal advice from a solicitors in Manchester first.

 

Must have received a bill at some point, probably while reading the letter telling me I no longer had a job.

 

Deep depression put me into a padded cell for much of that year.

In the meantime, CCJ against me for £1,269.25 + Judgment costs of £182.00

- Fair enough, never had a CCJ before, but not functioning properly at the time..

 

Finally got my act together in July 2012 after some very big burly chaps kept knocking on the door for a few weeks (at my new address - yes I'd had to move) and finding money somewhat tight i offered £20 a month until i could afford more.

 

I have one letter acknowledging this, but no bill or breakdown of costs or anything to describe the additions which I have TODAY become aware of (from asking for it).

 

Costs of Execution £111.75,

Accrued Interest £113.53, or Disbursements at £639.

Total now £2,315.93.

Apparently interest is still going on it at 30p per day !!!

 

I seem to remember the 'nice' lady at HCEG telling me only to pay £20 a month if I couldn't really afford £50. Crikey, at this rate I'll be paying it off forever!

 

I have had no statements, no total, no contact from High Court Enforcement Group on behalf of their client Moon Beever until today.

 

Apparently my balance still outstanding is £1,195.93 - I have paid off £1,120 at £20 per month.

 

Can anyone please advise me:

a) shouldn't they have let me know all the charges and interest in some letter or email so I knew how much was to be paid in total?

 

b) as they haven't done this, do I have to pay it all or can I ask for a reduction of any kind? and

 

c) If I still have to pay it all, what do you think would be reasonable as a full and final offer to get this off my credit record at last?

 

Any help gratefully received.

 

Thanks guys n gals.

:lol: Sweetrevenge :lol:

Don't get mad - get even!

If I've helped you please hit my scales 'n' bump my rep!

 

RBS (My A/c) S.A.R - (Subject Access Request) sent /10/06, statements rec'd 20/10; Prelim sent 3/11/06, s*d off letter rec'd 20/11; LBA sent 28/11, Settlement offer rec'd 18/12

WON at LBA with compound contractual interest £607

 

RBS BF Account S.A.R - (Subject Access Request) sent 4/11, part response rec'd 28/11, further info sent 3/12 awaiting statements at 20/12, Sent LBA 19/01/07. Received all statements resulting in 3 claims, £1,278, £4,279 and £7,250(!) all with contractual interest.

 

 

This is now very out of date!!!!

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have you a copy of the original judgement for claimant?

a copy of the original claimform?

and a copy of the CCJ?

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 everyone, long time no see.

 

Finally got my act together in July 2012 after some very big burly chaps kept knocking on the door for a few weeks (at my new address - yes I'd had to move) and finding money somewhat tight i offered £20 a month until i could afford more.

 

I have one letter acknowledging this, but no bill or breakdown of costs or anything to describe the additions which I have TODAY become aware of (from asking for it).

 

Costs of Execution £111.75,

Accrued Interest £113.53, or Disbursements at £639.

Total now £2,315.93.

Apparently interest is still going on it at 30p per day !!!

 

I seem to remember the 'nice' lady at HCEG telling me only to pay £20 a month if I couldn't really afford £50. Crikey, at this rate I'll be paying it off forever!

 

I have had no statements, no total, no contact from High Court Enforcement Group on behalf of their client Moon Beever until today.

 

Apparently my balance still outstanding is £1,195.93 - I have paid off £1,120 at £20 per month.

 

Unfortunately, yours is a very commmon problem. With High Court writs, daily interest charges are acccuring which in your case come to approx £10 month. Therefore, by paying such an nominal amount of £20 per month, only £10 of that payment is going towards reducing the writ.

 

Its probably best to wait for Ploddertom to visit the forum as he is the expert on these matters.

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Have you asked them for a full breakdown of the fees charged to to date? If so what response did you get as the figures listed are not the whole story.

 

Are Moon Beever the original Claimant or are they acting for someone else?

Please consider making a small donation to help keep this site running

 

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beevers usual work as sols for 1st credit DCA

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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Share on other sites
have you a copy of the original judgement for claimant?

a copy of the original claimform?

and a copy of the CCJ?

 

Hi, thanks for your reply.

 

I don't know! I will look through old papers to see if there is anything this weekend and let you know if I find anything.

 

And while you're probably thinking "airhead" I have to tell you I had a nervous breakdown and suffered from depression for a good while after losing, not just a job, but a career I had built up and loved. Even after agreeing to pay a nominal sum, I simply couldn't afford - or cope with - sorting this out.

 

I will get a grip on this though - with help from kind people like yourself.

 

Regards

:lol: Sweetrevenge :lol:

Don't get mad - get even!

If I've helped you please hit my scales 'n' bump my rep!

 

RBS (My A/c) S.A.R - (Subject Access Request) sent /10/06, statements rec'd 20/10; Prelim sent 3/11/06, s*d off letter rec'd 20/11; LBA sent 28/11, Settlement offer rec'd 18/12

WON at LBA with compound contractual interest £607

 

RBS BF Account S.A.R - (Subject Access Request) sent 4/11, part response rec'd 28/11, further info sent 3/12 awaiting statements at 20/12, Sent LBA 19/01/07. Received all statements resulting in 3 claims, £1,278, £4,279 and £7,250(!) all with contractual interest.

 

 

This is now very out of date!!!!

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This is what they sent me, suitably 'nonymized. If you click on it, it zooms I promise.

:lol: Sweetrevenge :lol:

Don't get mad - get even!

If I've helped you please hit my scales 'n' bump my rep!

 

RBS (My A/c) S.A.R - (Subject Access Request) sent /10/06, statements rec'd 20/10; Prelim sent 3/11/06, s*d off letter rec'd 20/11; LBA sent 28/11, Settlement offer rec'd 18/12

WON at LBA with compound contractual interest £607

 

RBS BF Account S.A.R - (Subject Access Request) sent 4/11, part response rec'd 28/11, further info sent 3/12 awaiting statements at 20/12, Sent LBA 19/01/07. Received all statements resulting in 3 claims, £1,278, £4,279 and £7,250(!) all with contractual interest.

 

 

This is now very out of date!!!!

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Thanks ploddertom, I've attached the file further up the thread.

:lol: Sweetrevenge :lol:

Don't get mad - get even!

If I've helped you please hit my scales 'n' bump my rep!

 

RBS (My A/c) S.A.R - (Subject Access Request) sent /10/06, statements rec'd 20/10; Prelim sent 3/11/06, s*d off letter rec'd 20/11; LBA sent 28/11, Settlement offer rec'd 18/12

WON at LBA with compound contractual interest £607

 

RBS BF Account S.A.R - (Subject Access Request) sent 4/11, part response rec'd 28/11, further info sent 3/12 awaiting statements at 20/12, Sent LBA 19/01/07. Received all statements resulting in 3 claims, £1,278, £4,279 and £7,250(!) all with contractual interest.

 

 

This is now very out of date!!!!

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unapproved client ref no showing.

do it to PDF please

 

 

follow the upload

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

 

And while you're probably thinking "airhead" I have to tell you I had a nervous breakdown and suffered from depression for a good while after losing, not just a job, but a career I had built up and loved. Even after agreeing to pay a nominal sum, I simply couldn't afford - or cope with - sorting this out.

 

I will get a grip on this though - with help from kind people like yourself.

 

Regards

 

You will not be judged here, but hope you are getting back on your feet.

Please consider making a small donation to help keep this site running

 

[sIGPIC][/sIGPIC]

 

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Hi again, sorry about that. I've uploaded the file again - but don't know how to delete the first one.

 

It is now a PDF so hopefully better for you.

 

Regards

convert-jpg-to.pdf

:lol: Sweetrevenge :lol:

Don't get mad - get even!

If I've helped you please hit my scales 'n' bump my rep!

 

RBS (My A/c) S.A.R - (Subject Access Request) sent /10/06, statements rec'd 20/10; Prelim sent 3/11/06, s*d off letter rec'd 20/11; LBA sent 28/11, Settlement offer rec'd 18/12

WON at LBA with compound contractual interest £607

 

RBS BF Account S.A.R - (Subject Access Request) sent 4/11, part response rec'd 28/11, further info sent 3/12 awaiting statements at 20/12, Sent LBA 19/01/07. Received all statements resulting in 3 claims, £1,278, £4,279 and £7,250(!) all with contractual interest.

 

 

This is now very out of date!!!!

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wheres sheet 2

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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Share on other sites
have you a copy of the original judgement for claimant?

a copy of the original claimform?

and a copy of the CCJ?

 

 

ring northants bulk Monday

ask for all of the above to be sent to you.

 

 

you'll need the CCJ number

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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Share on other sites

There is no more information on sheet two except the rest of the payments I've made up to 17/02/17 and a total, £1,120.

 

I didn't think it would be needed?

 

Sweet.

:lol: Sweetrevenge :lol:

Don't get mad - get even!

If I've helped you please hit my scales 'n' bump my rep!

 

RBS (My A/c) S.A.R - (Subject Access Request) sent /10/06, statements rec'd 20/10; Prelim sent 3/11/06, s*d off letter rec'd 20/11; LBA sent 28/11, Settlement offer rec'd 18/12

WON at LBA with compound contractual interest £607

 

RBS BF Account S.A.R - (Subject Access Request) sent 4/11, part response rec'd 28/11, further info sent 3/12 awaiting statements at 20/12, Sent LBA 19/01/07. Received all statements resulting in 3 claims, £1,278, £4,279 and £7,250(!) all with contractual interest.

 

 

This is now very out of date!!!!

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There is no more information on sheet two except the rest of the payments I've made up to 17/02/17 and a total, £1,120.

 

I didn't think it would be needed?

 

Sweet.

 

If that is all what is on Sheet 2 then at present we do not need it.

 

Next question you need to ask HCE is for a breakdown of the disbursements that have been charged.

 

In the meantime stick to your payment plan as if you do default then can then start adding extra fees under the new Regs.

Please consider making a small donation to help keep this site running

 

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  • 3 months later...

I have a current thread were the HCEO have now admitted adding the writ fees twice. Once when the obtain the writ of control, which adds £117.75 to the "debt" and again in their billing. Check the amount on the CCJ is the same as the debt if this amount has been added in their billing. Given that more many debtors, the bills seem to grow legs and they just maintain their bills are correct and legal etc, I wonder how often such "mistakes" happen.

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