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    • They've actually been behaving themselves for me, recently.  I'm re-signed with them on a variable tariff, meaning not tied in and can leave any time if they get up to their old tricks.  However something I noticed was that when accepting the tariff they actually showed in advance how they expected that annual total to be split into the 12 months.
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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.
       
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      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?
       
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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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Good evening all...

 

My car internals melted themselves on the way home last night.

I've since discovered from my mechanic it has been remapped and he is adamant this is what has caused the internals to fail..

. Corsa VXR in case you are wondering..

 

 

.ive spoken this evening to Moneybarn who only seem to be interested in talking about your 3 exit options...as if I don't know.

 

They are saying I have to prove the remap was on the cars ecu when I got it so I can go down the mid sold road as frankly if I'd known, I'd not have touched it.

 

I can't prove in any way shape or form that it was mapped prior to my acquiring the car so their unwilling to progress with a complaint to the dealer.

 

Please help as I'm now paying 250 quid a month for a melted Vixxer that's still gonna cost me 2500 to just hand back in it's current Nick ��

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when did you take the agreement out??

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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Hi All,

 

I've sent moneybarn the VT letter as posted in another thread by a user dx something or other.

..sirry I can't remember...

 

I have to pay 2672.88 to reach the 50% Mark and the car engine has blown up as a result if a dodgy remap prior to me getting it.

 

I have told them this and they are asking me to prove it and that I'll be liable for recovery costs and shortfall from auction sale..

 

 

.please help I'm st my wits end with this lot and getting No Where fast.

Thanks in advance.

 

Apologies for late reply, never got notification...may last year. I've reposted with info that prob makes more sense as this post I was raging lol

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threads merged.

 

don't think VT was a good idea here

its still leaves you a millstone.

 

IMHO you should reject the car under CRA using the report your have as your evidence.

AFAIK a diagnostics box should also be able to show the date it was remapped.

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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can he do a report with readout and prove what you are saying the remap on XX date did the car in?

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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if you can then you can reject the car totally under CRA.

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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Even a year down the line?

 

Turns out you can only read sci to see/read the file.

Only then will or can it show a remap but know way of telling when.

What would be the repercussions of me serving the VT in this instance?

 

Not sci but ecu...damn autocorrect!

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trouble with VT is you are liable to the 50% mark

 

 

under CRA all you have to do is produce a report and/or evidence that reasonably prove the 'damage/fault' was there at time of purchase

I believe you can

 

 

ie PROVe I did the remapping.

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 don't get you.." Prove I did the remapping"?

 

I'm content with paying the 50% I'd budgeted for that any way but...if there is a way I can save 2 & 1/2 grand, then I'm all ears 😂

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they would have to prove you did the remap

 

you would have to prove it was there at purchase and caused the failure

 

the latter I feel is the more probable outcome

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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Just received this email response...

 

AGREEMENT NUMBER:

 

REGISTRATION NUMBER:

 

We received your notice of termination of the above agreement on 24th June 2017.

 

Your contact details will now be passed to a company called BCA (British Car Auctions) who will contact you directly to arrange the inspection and collection of the vehicle, which we will agree to carry out free of charge. Please note they will be only able to inspect and collect between the hours of 9am until 5pm weekdays only.

 

BCA will now contact you within the next 2 working days to arrange the appointment and the appointment must be carried out within a period of 7 days from them contacting you. Failure to action this will mean the appointment of recovery agents, the cost of which would be billed to your account.

 

Please note that you must keep the vehicle fully taxed and insured until it has been returned.

 

You are required to also return the following items.

 

1. The Registration Document know as a V5

 

2. Service History Book / With FULL service record to Manufacturers schedule

 

3. MOT certificate if applicable

 

4. Spare keys

 

5. Sat Nav Disc if applicable

 

Please note that if you fail to return any of the above items, we will charge you for costs incurred in replacing them. Please be advised we are able to claim from you any loss we suffer as a result of your failure to take reasonable care of the vehicle and service the car to the manufacturer’s recommendations.

 

IMPORTANT NOTE: REMOVAL OF PERSONAL DATA

 

Please ensure you remove all evidence of personal data which may be left in the vehicle or on electronic devices fitted to the vehicle prior to return.

 

 

I never got service book/history or spare key though with the car.

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That letter is a standard template letter. Follow through with advice given and the VT is obsolete.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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don't let them spoof you into paying anymore fees

like repo

cosmetic damage repairs etc

 

take loads of photo sor video

in out under etc.

use a selfie stick underneath too

 

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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Well...tiday I noticed 2 missed calls on the mobile whilst at work which was filled by an email from BCA saying the wished to discuss collection of the car and one from Moneybarn saying BCA would be getting in touch.

 

I replied to BCA via email stating where the car, key, logbook and mot cert were and was hoping they'd then tell me they were going to collect on such and such a date so I could be there.

 

But the next email I got was from Moneybarn stating they'd been informed by BCA that I wasn't complying and the were passing it onto another recovery agent for which I'd be billed blah blah blah.

 

Can someone on here and I do appreciate how helpfully and knowledgeable you all are, mock up a template for me to send back as I'm truly at my wits end here and don't have the knowledge to know how to fight it.

 

Many thanks

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just email moneybarn and state you are not allowed to take pers calls during working hours so did not know of the BCA stuff.

please re-arrange or get them to text me?

 

 

no I refuse extra costa of repo.

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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Well I've just found out via my mechanic that someone's been and collected the car. I have went to them with above regarding the personal calls at work etc and that I will not be paying a penny more than what is required to reach 50%

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well done

now I still think you need to address the fact that you might not owe anything.

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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but neither have they that you did.

 

its for them to prove it if you made the claim

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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This is the response I got this morning...

 

What does it mean?

 

You will be liable for the balance under the half rule.

 

Once the recovery process has completed and we have examined the vehicle you will be provided with a final balance.

Our Recoveries team will be able to work out a payment plan with you.

 

Kind regards,

 

 

 

 

 

 

 

The Asset Management Team

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that's they want to spoof you into paying repo fee and restoration fees.

as they always do

they are a terrible company

however

you stick by your guns

stating that under VT they are not allowed to charge REPO and restoration charges which are as a result of std wear n tear.

 

 

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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