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      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.
       
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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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Asset Collections claimform - Multiple Lending Stream PDls in one claim


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Loan in partners name who is currently in very bad mental health.

 

Have a claim form for old Lending stream loans from Asset collections.

 

He wont be able to go to court, can I try and defend this or is it pointless?

 

Also they have lumped at least 3 maybe 4 loans into one for this claim, can they do that?

 

I know you will ask for the info from the letter but I probably wont be able to post it up until tomorrow sorry.

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OK have you acknowledged the claim form yet?

 

Can you fill this in please:http://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-April-2014

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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welcome

can you complete the following please

 

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-2016**

 

 

which gives us the required info to help you

 

 

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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lots of previous claims here already

easily deal with.

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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Name of the Claimant ? Asset Collections & Investigations Limited

 

Date of issue – 30th May 2017

 

What is the claim for –

 

 

1.Asset Collections & Investigations claim this amount in respect of an unpaind loan funded by The Lending Stream. The defendant failed to abide by the terms of the contract.

2.Asset Collections & Investigations purchased this debt from The Lending Stream and subsequently sent a a notice of assignment to the defendant to advise.

3.The defendant has failed to respond from the Claimant thus denying the claimant any opportunity in assisting the defendant in attempting to bring the matter to an amicable conclusion.

4.The claimant claims interest under section 69 of the County Courts Act 1984 at he rate of 8% a year from 2016 to 2017on £2500 and also the interest at the same rate up to the date of the judgement or earlier payment at a daily rate of £0.55

What is the value of the claim? £2500

 

Is the claim for – payday loans 3 maybe 4 lumped into 1

 

When did you enter into the original agreement before or after 2007? after

 

Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Assigned

 

Were you aware the account had been assigned – did you receive a Notice of Assignment?*Not that I remember

 

Did you receive a Default Notice from the original creditor?*Possibly via email not through the post as far as I can remember

 

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No*

 

Why did you cease payments? Payday loan cycle, couldnt afford it anymore

 

What was the date of your last payment? Dont know

 

Was there a dispute with the original creditor that remains unresolved?*No

 

Did you communicate any financial problems to the original creditor and make any attempt to enter into a*debt management plan?* Yes they weren't interested so I didn't try too hard

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doesn't say multiple loans in the particulars of claim, which it must

doesn't say loan either?

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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No it doesn't have just double checked.

 

I knew Asset were chasing the debt

 

last year in September I think it was they wrote threatening court action

 

I asked for help on another forum and I was told ignore it it wouldn't go anywhere.

 

It was empty threats.

But as far as I can remember there was no notice of assignment.

 

I'm sure this is multiple loans as I think there was 3/4 that were defaulted on.

 

The largest being in the region of £500 all coming in at around £1000 give or take a little

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well don't assume

put them to strict proof

but that's for later

 

 

next steps...

 

 

pop up on the MCOL website detailed on the claimform.

.

register as an individual

note the long gateway number given

then log in

.

select respond to a claim and select the AOS box.

.

then using the details required from the claimform

.

defend all

leave jurisdiction unticked.

click thru to the end

confirm and exit MCOL.

.

get a CCA Request running to the claimant

leave the £1PO blank and uncrossed

.

get a CPR 31:14 request running to the solicitors

.

don't sign anything

.

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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to the claimant then

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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About the CPR - the only document that was mentioned in the particulars was the notice of assignment so thats all I put in the letter.

 

Thats correct isnt it?

 

Also is there anything else I need to do right now? Im supposed to be going away on Sunday and wont be back til the 29th .... if we go.

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and the default notice as it must have been defaulted to be sold on.

agreement too even though they omit to mention its under the consumer credit act and that they need to produce it.

 

your defence is due 4pm Friday 30th

 

will you not have internet access and atleast know if any mail arrives?

 

you've already wasted 16days of your 33!!

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 didnt get the letter right away, our mail is pretty hopeless.

 

I doubt they are going to send me anything but I will be able to find out if anything comes.

 

Should have internet access but wont know til I know.

 

How do I write a defence?

 

Im just reading some other cases now

 

The date on the claim for is the 30th May if I get 33 days dont I have slightly longer?

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that date is one in the count...

day 33 is a w/end

you need to file via mcol by 4pm on the Friday.

 

you cant really write a defence yet because they might well reply to CCA/CPR

and that might chance what you need to write.

 

so, as long as you can get any docs scanned up to here, IF you get any

we should be able to help you.

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 for your help its appreciated.

 

Im not going to be able to get anything scanned up til I get back. Im screwed :|

 

I am doubting they are going to send me anything , obviously I cant be sure I know this but have a very strong feeling dues to what they are claiming and what the loan amounts were.

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you're not screwed we'll sort it.

 

there are numerous threads here already on this lot too

several claims infront of you already

those will help you.

 

go read

 

https://cse.google.co.uk/cse?cx=partner-pub-8889411648654839:6449422593&ie=UTF-8&q=asset+claimform&sa=Search+CAG#gsc.tab=0&gsc.q=asset%20claimform&gsc.page=1

  • Confused 1

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 just been reading some of those Asset ones. Its the court part that bothers me I highly doubt Ill get my partner to go to court to defend this. Will keep reading anyway :)

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Submit your defence before you go away...I wouldn't hang around waiting on a CPR response that may never happen...submit your defence then you can relax and enjoy your jollies. :wink:

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

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  • 2 weeks later...

Does this look ok for my defence? I have not had any replies to my cca or cpr. Thank you

 

Particulars of the Claim

 

1.Asset Collections & Investigations claim this amount in respect of an unpaid loan funded by The Lending Stream. The defendant failed to abide by the terms of the contract.

 

2.Asset Collections & Investigations purchased this debt from The Lending Stream and subsequently sent a a notice of assignment to the defendant to advise.

 

3.The defendant has failed to respond from the Claimant thus denying the claimant any opportunity in assisting the defendant in attempting to bring the matter to an amicable conclusion.

 

4.The claimant claims interest under section 69 of the County Courts Act 1984 at he rate of 8% a year from 2016 to 2017on £2500 and also the interest at the same rate up to the date of the judgement or earlier payment at a daily rate of £0.55

 

The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made.

 

1. Paragraph 1 is not admitted with regards to the Defendant entering into an Agreement referred to in the Particulars of Claim for an amount of £2500. It is denied the defendant failed to abide by the terms of contract.

 

2. It is denied the claimant has served any Notice of Assignment pursuant to the Law & Property Act 1925.

 

3. Paragraph 3 is denied the Claimant has not made any contact or followed any Pre-Action Protocol in an attempt to resolve this matter and is put to strict proof thereof.*

 

 

4. By reason of the facts and matters set out, it is denied that the Claimant is entitled to the relief claimed, or any relief.

 

5. The claim is disputed with regards to the Defendant owing monies stated to the Claimant and the Claimant is put to strict proof to:

 

(a) show how the Defendant has entered into an agreement; and

(b) show how the Defendant has reached the amount claimed for;

© show how any breach occurred and a valid Default Notice was issued,

(d) show how it has legal assignment of any alleged debt.

 

6. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed.

 

7. By reason of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed, or any relief.

Edited by Andyorch
added point 7
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Submit your defence before you go away...I wouldn't hang around waiting on a CPR response that may never happen...submit your defence then you can relax and enjoy your jollies. :wink:

 

Andy

 

Sorry Andy, didnt see this till it was too late.

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looks good.

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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Apart from you not stating that you have sent a CPR 31.14 and CCA Section 78 request ?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

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