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    • Understood. Maybe as a first step it would be a good idea to write to Amazon and tell them that I would have selected the prepaid hermes drop-off option, like I always do, but I wasn't able to as that option wasn't available for the laptop. Additionally, after Hermes not collecting the item on two consecutive times with the Hermes home pick-up option, I was advised by a customer service assistant to organize the return myself as there is no point in choosing the home pick-up service for the third time. Following his advice and returning the laptop myself being the only available option to send it back to Amazon, I have decided to organize the return myself. I was told that I can use any of the shipping services. To quote I was told: "I could only find the pickup option. So you could arrange your own return using parcel monkey: www.parcelmonkey.com or any similar service. Keep the receipt and send it to: ...url... And we will refund you the postage fees". I didn't get any other instructions and I did what I was told by the assistant to the letter.  What else should I add? Should I mention anything else?   I understand that. I am not afraid of that, I do think that nothing protects them from having to compensate a consumer where they have failed to take reasonable care in performing the contracted service. They have a general duty of care, and they have also failed to provide the service paid for. I really hope that the judge sees it that way too. But maybe Amazon realize the mistake they made and I won't have to sue Hermes. To be honest I think it is disgusting what they do... There is no way to lose a package of 70X40X15. It is way too big. And what are the chances that they lose another package of mine that I send with the laptop at the same time? Obviously someone stole them. What else could have happened? How can they not find the driver who was responsible for the package at the time of moving it from the ParcelShop to the sorting warehouse? And if something happened to the car/driver, it must be logged somewhere. And I would like to see that log (I actually asked them to provide that in my last letter). The whole thing is just unbeliavable.
    • if other details match and this is as a result of say a marriage then yes. CCJ's are not against an address.    
    • Thanks DX and BN.   He did keep saying he’s done loads of parking cases in the past, over the 10 years he’d been doing it, so as you say he’s bound to have come across VCS stuff before isn’t he.   hopefully that’s the case then he just wants to go through it in a bit more detail. Either way you have given me a lot more confidence again now thanks.
    • From Alasdair Macleod , 40 years in stockbroking and financial  analysis  The Eurozone is bust. The deterioration of TARGET2 imbalances have been hardly noticed, but in recent months it has been alarming. Despite official denials over the years that it is a matter of concern, it is increasingly obvious that the national banks of Italy, Spain and other nations with increasing bad debts are hiding them within the TARGET2 system. The first wave of Covid-19, which is leading to bankruptcies throughout the Eurozone, is now being followed by a second wave, which will almost certainly take out a number of important banks, in which case the cross-border euro system will implode.   https://www.goldmoney.com/research/goldmoney-insights/the-destruction-of-the-euro
    • I agree but it doesn't change the fact they're all in the system the same way we are and they vote in certain ways for varying reasons that are far far away from our own motives.   The whole wretched system needs taking down and starting from scratch 
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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.
       
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      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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      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.
       
        • Thanks
      • 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.
       
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      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/?claimform - old lending stream PDL


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Hi

 

Been a while since I posted after being very active here once upon a time..

.about 6 years ago I got a few pay day loans (marriage split at the time, living away)

 

At the time none of these places were doing the correct checks to see if you could afford the repayments.

 

Wonga have previously written off £900 with me for the same reason...

One or two others haven't bothered.

Lending Stream sold this particular one to Asset and they've been chasing ever for a while...

 

They have now taken me to court,

despite my repeated requests for proof that the correct credit checks were carried out

(I couldn't afford to repay the debts at the time as had too many going on)

P

, they simple ignored all my requests and I now have court date.

 

As you can see from below,p

they aren't bothering to send anyone as the debt is such a small amount (as they say).

 

My argument here is still that they haven't proved the correct checks were carried out..

.Is this going to be ok to go to the judge with?

 

Also going to say that loan might be small in their eyes but it isn't in mine and I have taken a day off work to attend...

 

This is their letter to the judge ...

They have (what they say) is the original agreement

- was online so not sure how I can prove otherwise.

 

I write in regard to above case and the hearing that has been listed for the ******

 

The Claimant respectfully begs your Honour to excuse the Claimant’s non-attendance in person and kindly ask your Honour to accept this letter as written notice of non-attendance in accordance with CPR Rule 27.9 1(a).

 

We hasten to add that no disrespvectfulness is intended by our non-attendance,

but we wish to save costs having particular regard to the fact that the claim is small.

We ask the court in accordance with CPR 27.9 (1) © to deal with this application in our absence.

 

We wish to ask your Honour to consider the reasons set out within our Witness Statement attached as to why the Claimant does not agree with the Defendants defence.

 

In light of this the Claimant humbly asks your Honour to dismiss the Defendants defence and enter Judgment for full balance immediately.

 

We also add that we have not received any documentation from the Defendant in support of his defence for the hearing.

 

Please also be advised that a copy if this Witness Statement and Evidence has been sent to the Defendant via email.

 

We thank you for your time in this matter and look forward to hearing from you in due course.

 

With regards,

Just hate every DCA out there

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So what were the particulars of their claim?...what defence did you submit ?....what did you put in your witness statement ?

 

Have you done a witness statement and complied with court directions ?

 

No use posting the last sentence of the book unless we know the full story with chapters.

 

The following thread will outline how you should have dealt with the claim......PS. the exact same letter you posted above is also used.

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?478434-Asset-Collections-claimform-Multiple-Lending-Stream-PDls-in-one-claim/page5&highlight=Asset+Collections

 

 

Andy

We could do with some help from you.

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Note:- (The Claimant respectfully begs your Honour to excuse the Claimant’s non-attendance in person and kindly ask your Honour to accept this letter as written notice of non-attendance in accordance with CPR Rule 27.9 1(a).)

 

What a load of unconcianable bullsxxx, pathetic worded as per a child may write, if I was a DJ and see that I would question the audacity of such a mumble jumble and put me on the wrong side before the hearing. = Pathetic is the watch word here.

:mad2::-x:jaw::sad:
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+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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That is how you serve notice in accordance with CPR Rule 27.9 1(a)...okay its a little cheesy and creepy but the format is correct ?

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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The Fact is I dont think Asset collections have any intention of Attending court and are relying on the court to rubber stamp their claim.

 

If you can you need to Attend.

If only to cast any doubt to Their Claim.

 

But as you Have been asked.

 

1, Did you enter a defence ?

 

2, Did you receive their Witness Statement ?

 

3, How Did you respond to their Witness Statement.

 

Let us Know please

 

+3

 

Oh by the way

This Company does not,in, My experience respond anything.

 

Be that a Directions Questionaire

 

Or Witness statements

 

Or comply with Judge's Directions on case management.

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The Fact is I dont think Asset collections have any intention of Attending court and are relying on the court to rubber stamp their claim.

 

If you can you need to Attend. If only to cast any doubt to Their Claim.

 

 

But as you Have been asked.

 

1, Did you enter a defence ?

 

2, Did you receive their Witness Statement ?

 

3, How Did you respond to their Witness Statement.

 

Let us Know please

 

They are not attending ..hence their Notice served pursuant to CPR Rule 27.9 1(a) (see above)

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...

Sorry

 

Have not been able to get back here until now.

Yes,I did enter a defence.

 

 

I have said all along to them that there was a complaint in against the original lenders re irresponsible lending.

That got ignored and with this lot

 

 

I've told them the same and also asked them several times to produce the proof that the correct credit checks were carried out....nada

 

I will tell and show all the above to the judge and make a point that I've bothered to turn up, unlike them....

Unless there's something more I can go with?

Just hate every DCA out there

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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'm afraid I have got my dates mixed up.

For some reason in my mind I was going to court 16/11/17..

.I got the month wrong and it's actually tomorrow...Jesus H....

 

I've been going through all the old stuff I have and it's interesting that on the 2nd April 2013 they send me an email saying they happy to waive interest etc and would accept £10 per month til it's paid (they'd reduced it to less than £200 - original amount borrowed was £110),

 

 

I agreed on the basis that they answer my complaint re irresponsible lending yet 6 days later they sent me another Email saying they couldn't collect the [original] amount due so they had no choice but to give the debt to Muck Hall...

 

 

.I wrote to them again about this, they ignored and after telling Muck Hall til I was blue in face about it, next thing I know it's with Asset and it's going to court for an amount of nearly £350.

 

Just hate every DCA out there

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but you filed your witness statement yes?

 

 

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 I've a few hours if you have

 

if you want to scan up their WS+exhibits

and your WS +exhibits

 

each to ONE MULTIPAGE PDF ONLY!

 

read the upload guide

i'll see if my brain helps.

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'll see if I can do just that but I can't seem to find my WS ? Very confused...I think I've gone about this in a rather naive way and I fear for myself...

 

I'll see if I can upload now

 

Regards

Just hate every DCA out there

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well I hope its not like your Sherlock Holmes defence....:|

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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Yeah, I'm sorry about all this- so disorganised it must wind you up something chronic...

 

I will try and sort these PDFs, if I cant do it in the next 15 mins then I'll just have to call it quits and go to court with what I can...

Just one thing I notice as I try to do this..

 

 

.On their court documents they say this:

On and with effect from 21 June 2016 the assignor assigned to Asset Collections & Investigations (Assignee) all its rights, title, interest and benefits in and to the Assigned Documents and the Debt.

 

yet on the original Emails , it says this....

On and with effect from 23rd August 2016 the Lending Stream LLC assigned to Asset Collection & investigation limited all its rights, title, interest and benefits in and to the Assigned Documents and the Debt.

 

confused....

Just hate every DCA out there

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wouldnt worry about that.

they are indicating [wrongly] they wont be attending

I expect they will.

 

 

what you need to remember is no comms you have had with the original creditor nor any DCA since

other than the claimant and their solicitor makes any odd unless you have copies and have sent these as an exhibit and referred to them in your WS.

 

 

its difficult to understand who you've called, emailed or written too

but nothing that is not included by either party in the WS can be referred 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... 

 

 

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Thanks so much for your time- I wont waste any more of it.....Cant do these PDFs and I'm not sure of my WS...so looks like a win for them.....thanks again

Just hate every DCA out there

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doubt it..

 

 

have they provided any agreements or documentation...

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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Had a very understanding judge today. He has given me a week to get a proper (and correct) WS in to the court and the other party.

 

I am way too tired to get this done tonight but I'll be back on over the next couple of days to work on it, post it here and see what you think. Their WS, I notice, contains some untruths and even spelling errors...Think I can tear it apart, if just a little bit :)

 

Thanks again

Just hate every DCA out there

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need to action post 14 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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