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    • So no agreement /account number referenced anywhere on the claim form ?
    • I agree that what you describe is not a "salary sacrifice".  It may be that your employer has heard of the term and mistakenly thought it applied here.   It seems to me that you and your colleagues (who weren't furloghed) simply agreed to be paid less because of the current Covid circumstances.   What do you actually mean by:  "... and full payment would be returned this December"?  What did you actually agree to?  You obviously think it means that in December you would get backdated arrears of the 20% you had previously foregone, but it could equally mean that they would just start paying your full salary again, and the 20% you weren't paid has gone forever.   (PS - I notice in a couple of other posts you mention: "... that it would be paid back in full in December this year..."  I'm afraid that is still not necessarily the same as your employer agreeing to pay arrears.  What is the exact wording of what you have agreed to?  Not what you think it says - what it actually says.)   Depending on (1) what your contract of employment says about your wage/salary and (2) what you actually agreed to in terms of a wage/salary reduction, then you are entitled to be paid whatever has been agreed.   But if your employer simply can't afford to pay you because of Covid etc, then they can't afford to pay you with money they don't have.   Are you in a union?
    • We've not heard anything from CCBC or LC Asset following initial acknowledgement of defence from CCBC on 23 Sept 2020 and now being beyond the 28 days notice we're wondering what's next. Presumably CCBC will dismiss or stay the claim?
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      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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Fredrickson and old BT debt


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I dont know whether to laugh about this or be very cross.

 

I am helping a friend with his debt with Fredrickson, personally I dont think it should have been passed to them in the first place as its a disputed debt with BT and they have refused to discuss it further with my friend and so then passed it over to these monkies.

 

I have written to them enclosing a letter of authorisation so that I can deal with this for him.

However because I used his initial in the address and not his full name, albeit where he had signed his name it is in full and quite clear 3 lines down, they are refusing to deal with me wanting me to put his full name but they havnt said where I should place it??

 

Their reply.

Good morning

 

Thank you for your e-mail.

 

Unfortunately I am not able to accept the attached as authorisation to discuss this matter with you, as it does not confirm the named person's full name.

 

I kindly ask if you have are to provide us with another letter providing you with authorisation.

 

Kind regards

 

Now if they still refuse to deal with me what would be my next step? Do I place a formal complaint if so to who?

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It is pedantic, but i suspect their Data Protection rules require full name and not just initial. As an argument point, they could have 2 people with similar debts at the address, sharing same initial and surname.

 

They should deal with it properly when resubmitted. If they don't, i think the FOS or ICO can intervene. I think FOS can deal with DCA issues, even if not a finacial services original issue. The ICO in relation to refusing to release data.

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who are freds clients?

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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Oops well you just wasted several weeks

Deal with BT only

 

DOH!!

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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