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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
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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.
       
      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.
       
      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?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      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.
       
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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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Hi,

 

I am negotiating with creditors with regards to CC debt. I offered them a Full n Final, and they said they would only accept if they could see 6 months bank statements and credit card statements of other debts.

 

How should I respond to this?

 

BR

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first thing I would see is whether the debts can be enforceable ,

also that does seem to be excessive

 

I was not asked to send that amount of paperwork when I was negotiating .

so far I am down to 3 creditors out of 7 and think it will soon be down to 1 or 2 since only one creditor came out and said we do not accept f & F all well and good at the moment they are getting £1 a week which will go on as long as I'm not in work but they have frozen interest

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without prying too much is there a reason why you need to make F & F offers . mine was that there is a very good chance that my company would make me redundent due to ill health (still under that )

 

So anyhow I sat down with the citizens advice burea and got a budget all sorted first this showed my available money for my unsecured debts then I wrote to each one and said due to illness etc I could be made redundant but a relative has agreed to lend me the money for f& F offers and I offered them 50% or a pro rata payment per week that as soon as my income was reduced it went down to £1 a week (Got paid weekly). so far I have saved around £4k off the credit cards and if another one does will be another 2.5k

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Simple - Not entitled to see your bank statements. They are private information and not to be used by a DCA for leverage.

You need to really check if they are enforceable etc...

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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without prying too much is there a reason why you need to make F & F offers . mine was that there is a very good chance that my company would make me redundent due to ill health (still under that )

 

So anyhow I sat down with the citizens advice burea and got a budget all sorted first this showed my available money for my unsecured debts then I wrote to each one and said due to illness etc I could be made redundant but a relative has agreed to lend me the money for f& F offers and I offered them 50% or a pro rata payment per week that as soon as my income was reduced it went down to £1 a week (Got paid weekly). so far I have saved around £4k off the credit cards and if another one does will be another 2.5k

 

Yeah I cant afford to pay the amount they are chasing me for.

 

Simple - Not entitled to see your bank statements. They are private information and not to be used by a DCA for leverage.

You need to really check if they are enforceable etc...

 

Do you know how I would word a reply to them?

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well first off all you have to see hoe much spare money you have left to pay your creditors . have you got a citizens advice near you or you can use the national debthelpline website they have a good I & E sheet that will show you how much money you have left .

 

Most important things are rent/mortgage council tax utilities etc .then when you write the letter you send them a copt of the sheet for creditors and they can do the maths they can have say 50% debt paid now and write the rest off or have to wait years for it to be paid off .

 

Also a important thing is for them to surpress all interest and charges while you negotiate and finally stay off the phone keep everything in writing

 

are any off your creditors linked the your bank ie you have hsbc account and also have a hsbc credit card because they can offset against your credit card . if you do you need to open a parachute account not connected to any of your creditors and get everything paid into that.

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Are they debt collection agencies or the original creditors chasing you?

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

 

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

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any names of these 'solicitors' ? Debt collection agencies always have some dodgy law firm attached to them.

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

 

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

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at what stage/type are the debts; defaulted, arrangement, poss statute bar, etc

as has been posted, maybe check enforceability first.

imo, if a matter has already been defaulted, or there is a poss bar/unenforceability, i wldn't be in a rush to settle yet.

depends on ones own circs of course :)

IMO

:-):rant:

 

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list your debts

who owns the debt now

who the OC was

type of credit

how much

when you took it out

are all these on your credit file?

are they deafulted

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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Simple - Not entitled to see your bank statements. They are private information and not to be used by a DCA for leverage.

 

True. Yet the creditor may want to ensure the ‘current position’ hasn’t been artificially engineered to make them accept a F&F that they otherwise wouldn’t. They also have no obligation to accept a F&F, and the OP may want to cooperate over and above the “minimum they are obliged to”, to have more chance of a F&F being accepted.

 

You need to really check if they are enforceable etc...

 

Absolutely. The OP needs to establish the position accurately before considering a F&F offer.

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