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    • debt collection agencies will always lie to make money.   pay the debt owner what you owe if they want to charge unlawful debt collection fees , that's their problem.   let them issue a court claim, see how far they get!!   there are a few threads here regarding IF/ if not collection charges are actually allowed, I think it pays to go read your lease documents carefully to make sure    read these too:   https://cse.google.com/cse?cx=partner-pub-8889411648654839:3134625398&q=ground rent DCA charges&oq=ground rent DCA charges&gs_l=partner-generic.3...131396.138941.0.139161.23.23.0.0.0.0.143.1829.20j3.23.0.gsnos%2Cn%3D13...0.7573j4071087j24...1.34.partner-generic..23.0.0.PHbq0LZxjQQ      
    • I doubt they'll take a blind bit of notice TBH you could quote the FCA rules to them, but I doubt they even know who they are even though I assume they are FCA registered.?? go check the company name fca reg number on the FCA register that they should quote at the bottom of all correspondence.  
    • its not a letter from PRA  its a large brown windowed A4 envelope from northants bulk county court - a court claim pack. you DO NOT ignore  you DO NOT contact the fleecers or their dogs. his next time..never ignore a Letter of claim never run from debt never move without informing ALL your debt owners in writing   ... you are lucky this was not filed to an old address and 1st you'd know is bailiffs at your door   please complete this:      
    • Thanks for your reply. Should I email them stating that the penalty is unlawful?
    • Hello,   I'm brand new here and am hoping someone might be able to give me some advice. Sorry in advance that this is so long!   a couple of years ago Property Management Company Ltd sent Debt Agency 1 after us (both saying they acted 'on instruction of Leaseholder Ltd' - separate company) for late payment of our service fee on our flat (200 miles away, tenanted since purchase).   We hadn't owned the house long and, in spite of us chatting to Property Management Company Ltd all the time various things to do with our tenants and them having multiple records of our real correspondence address, they sent the bill to our tenants, so we didn't realise we were late with it.   We wrote to them and politely pointed out they had multiple records of our real postal address. They admitted it was their mistake, we paid, charge was removed, they said they would update records and email service charge in future, all fine.   Last week Leaseholder Ltd sent Debt Company 2 after me about 2 x unpaid ground rent plus collection fee, they had also been sending bills to the tenants address. I had received one bill from Leaseholder Ltd for GR since purchase, sent to correct address, but that was ages ago. I paid it straight away at the time, but I guess it never really crossed my mind how long it'd been since I'd received one.   Explained to Debt Company 2 that had received one bill ages ago, that suggests they did in fact have my address? They claim they didn't, and tenant or lettings agent must have opened letter and forwarded.   Also explained to Debt Company 2 about previous mistake with Property Management Company Ltd and Debt Agency 1, and explained both said they were acting on Leaseholder Ltd's behalf - so surely one of them told Leaseholder Ltd, once it was all resolved, that the issue had been down the the address mix up? No, says Debt Company 2, Leaseholder Ltd has never heard of your London address, nor did they instruct Debt Agency 1 to act on their behalf, and it's 'very illegal' that they claimed they were acting for them. So no idea what's going on there.   Leaseholder Ltd say it's not their fault no one gave them the right address. I say it's not my fault that Debt Agency 1 and Property Management Company Ltd both gave strong (and apparently illegal) impression that they were speaking on Leaseholder Ltd's behalf - leading to my assuming there were across the details of the dispute and therefore were made aware of the mistake/resolution.   I know I'm not totally blameless; I should have realised it was weird getting one bill and then none after but we get so many bills I just pay them as they arrive and move on.   Am I wasting my time, would you all just pay it, charge and all? Seems really unfair given I was under impression I was talking to intermediaries when I wasn't.   Thank you in advance.
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hazeleyes68

Local Appliance Rentals threatening Repossession Of Rental Goods

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Can anyone advise me please .

 

I have had a 3 seater and 2 seater sofas off a rent to buy company called Local Appliance Rentals ,

payments £15 a week ,

 

now due to a change in financial circumstances have fallen behind by 5 weeks ,

have had no letters of arrears ,

just an undated card put through my door which i seen last Friday morning giving me 5 days to pay ,

tried to borrow money ,but no success.

 

Today a letter been put through my letterbox by hand headed REPOSSESSIONS OF YOUR RENTAL GOODS ,

 

stating after repeated attempts to contact me it appears i have no intention of paying or honouring my rental agreement and are now required by law to give me 30 days notice of collection of my sofas ,will be at my house in 30 days time .

 

Can they enter without a warrant ?

can they refuse a reduced amount monthly ?

 

also i suffer severe depression,

anxiety,

 

which I have lots of evidence of ,

 

any advise please.

I have only had them for about 4 months over a 2 year term

 

Thank you

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No they cannot enter the premises - they are not Bailiffs or anybody of that nature...

 

dont be afraid...

 

Tell us more - How much have you paid etc


 

We could do with some help from you.

 

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

 

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Receptaculum Ignis

 

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might be best to voluntarily hand them back

as long as you are not made liable for the outstanding finance.

 

most of these companies charge insurance for exactly these scenarios

 

have a look at their t&C's on their website to see what they say.

 

are these the only items you've ever had from them?

 

dx


..

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god their T&C's are almost draconian..bordering on unenforceable under the Consumer credit act IMHO.

 

 

dx


..

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Hi ,

Thank you very much for your reply .

Its a 52 week term , £30 a fortnight .

 

I have only paid £230 off to date ,suite is £780

 

god their T&C's are almost draconian..bordering on unenforceable under the Consumer credit act IMHO

 

might be best to voluntarily hand them back

as long as you are not made liable for the outstanding finance.

 

most of these companies charge insurance for exactly these scenarios

 

have a look at their t&C's on their website to see what they say.

 

are these the only items you've ever had from them?

 

dx

 

Hi again dx yes only goods I have had off them .x

 

 

what do you mean by this:

god their T&C's are almost draconian..bordering on unenforceable under the consumer creditlink3.gif act IMHO.

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I doubt they are legally enforceable

they are crap...reads like the Victorian workhouse rules


..

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would be good to put that t & C in front of a judge

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Sorry to be a pain again dx I cant seem to find their t&c's :|

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Hi ,

I offered a lower payment to this company of what I can afford per month ,

the company insistent I phoned them to do a variation order as it could not be done in writing .

 

I telephoned to be told the company want me to take the £230 I've paid to go and find another suite and they can remove my sofas as they not happy to do the variation order .

 

Yet yesterday and today they have still attempted to take money out of my bank as per contract amount of £30 fortnightly.

 

They suggest they are not happy to do a variation due to my past payment history ,which is missing the £30 fortnight ,which I can't afford .

 

I have looked already on a few selling pages but no suites that low in price ,plus I would have to rent a van to collect .

 

This company have made my anxiety go through the roof .

 

I'm worrying sick .

 

Can they refuse £5 a week ?

 

Thank you

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stop ringing writing only

py them what you can when you can.

don't forget

they are not bailiffs so don't give in


..

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stop ringing writing only

py them what you can when you can.

don't forget

they are not bailiffs so don't give in

Thank you very much for your advise

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Thank you very much for your advise

 

Hi Dx

I did as advised and have only communicated in writing ,I offered £5 a week , and told them that I did not want the sofas removed as I would be without sofas to sit on .I did look on gum tree etc ,but none on there cheap enough and that could be delivered free ,so I would also have had to hire a van

 

This is the reply I have now had.Is this information sent back to me lawful with rent to buy goods please ?

 

As you have declined our offer to cancel your contract and have the money you paid out on the rental item refunded, we will accept your offer of £5 per week as part of the hardship variation course.

 

We can only accept this offer for a period of three months maximum from today’s date, Wednesday 25th October, to allow you time to sort your finances.

If you do not believe that you will be able to revert to full payments after this time, please let us know now, as the best alternative would be to cancel your contract as you are unable to afford the item and therefore they should be returned.

 

Once the contract goes back to full rental, you will be required to make the full payment of £30 per fortnight as per the rental agreement,

 

If you no longer make the required payments, as agreed in this email, than the branch will have no alternative to progress to repossession and default you. Which we are all trying to avoid, considering your emotional wellbeing.

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