Jump to content
  • Tweets

  • Posts

  • Our picks

    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
      • 49 replies
    • 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.
       
        • 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.
       
      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!
        • Thanks
        • Like

Please note that this topic has not had any new posts for the last 1027 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hi Everyone,

 

Just looking for some advice on the above please?

 

I have not worked since April due to illness and it doesnt look like ill be back at work anytime soon.

 

I have quite a few debts as i had a good job and good salary when i was working.

I havent paid any of my debts since May

i have now hit 6 months with no payments.

 

I have sold my house as managing the mortgage was also a hindrence due to my current situation,

 

i have some money that i have from the sale of the house, its probably about 70% of what i owe out.

 

I just want some advice on how i should approach the above.

 

Some of my debts havent defaulted yet,

should i wait til they have,

should i offer the companies now,

should i wait longer,

 

im currently at a loss as i dont think my situation will change soon

but i also feel a lot of stress due to the situation as its a situation i have never been in before and want to try and remove it as soon as possible.

 

I havent communicated anything to any of my creditors yet

which i know is wrong

but i just havent known how to face this situation or where to start.

 

Thanks in advance for your replies and help

 

Debts are currently 40K and are all unsecured credit card debts.

Link to post
Share on other sites

well don't go rushing to pay anyone.

 

can you list your debts please

 

Original Creditor

type of credit

who owns the debt now?

outstanding balance

defaulted date

 

go look at you credit file 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... 

 

 

Link to post
Share on other sites

Lloyds credit card 8000 - wescot

Lloyds OD 2000 -wescot

Cap One Cc 12000 still with cap one

Barclay card 5000 still with Barclaycard

MBNA 7000 still with MBNA

Very 3000

Three 500

 

I think only the Lloyds is defaulted so far and maybe MBNA

Link to post
Share on other sites

Well ignore wetcloths totally

They don't buy debts

 

Take out dates please

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... 

 

 

Link to post
Share on other sites

I’d say MBNA and lloyds around 2007 maybe and

then the Barclaycard was a Passover from egg,

 

very maybe 2 years ago

 

capital one probably 2008-2009.

 

Three a year ago.

Link to post
Share on other sites

send all of 'em our offer letter of £xx for xxmts

if they freeze all charges and interest

 

its in the debt collection section of the library

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... 

 

 

Link to post
Share on other sites

that's because they are letter templates...

find the one I pointed 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... 

 

 

Link to post
Share on other sites

typically if they are with the OC's still no.

 

under FCA rules they must help you.

 

get those letters running.

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... 

 

 

Link to post
Share on other sites

Check your credit file, and ignore wetcloths entirely, deal direct with Lloyds.

 

Keep a diary of events also, and have yo the running history of those Lloyds accounts? Esp the O/D, have you reclaimed any of the fees/charges if there are any?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Link to post
Share on other sites

I haven’t got a run of the charges or anything in all honesty.

 

I logged onto the online account but it looks like it’s now been taken off there.

 

I saw a template in the documents section that’s asks for a refund of charges etc since hardship and was contemplating using that to try and get some refunded if possible. Do you think that would help?

Link to post
Share on other sites

I would send an sar first

 

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... 

 

 

Link to post
Share on other sites

all the statements

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... 

 

 

Link to post
Share on other sites

When you are suffering from ill health, the last thing you need is a load of stress from worrying about your debts and how to keep paying each month.

I think it would be far less stressful for you if you write a letter to each creditor and inform them of your ill health and that you currently have access to some funds and you would like to offer a settlement payment in full and final payment of the account, and can they please provide you with a figure that they would be willing to accept as a full and final payment to settle the account, close it and mark the balance as ‘0’ on their internal records and your credit files.

Do you know if there is an PPI on the accounts/agreements?

If your ill health is not likely to improve in the future, the funds you have available now might not be available and if you default on the accounts your creditors will pass the matter to debt collection agents and they will make your life a living hell, they have no power but they will ring your phone off the hook and bombard you will letters chasing the debt.

Sooner or later the accounts will be sold and the new owners will commence with court proceedings to recover the debt, this will cause you untold distress and increase your liability, the end result could be CCJ’s against you and this will ruin your credit worthiness, but moreover, your health will suffer further because of this.

It is clear that you are trying to be pro-active so as to avoid the above-stated action, and it is clear that you are not trying to welsh on your debts.

Simply ask your creditors, by writing to them, how much they will accept in full and final to settle the account, when they respond with a figure, you can then write again and tell them you can’t afford that sum but you can offer £xx and ask them if they will accept that in full and final.

Keep all negotiations on full and final in writing only, do not agree a figure over the phone, and do not send any cheque payment until the creditor has stated his agreement to the amount he will accept in full and final in writing.

As stated by another (site team I think), ask your creditors to freeze all interest and charges on the accounts while you negotiate a full and final settlement agreement with them.

Happy New Year

Haunter

Link to post
Share on other sites

There is no need to go cap in hand informing your creditors of any ill health, that's none of their business!

 

As for DCA's, CCJ's, and any other scare mongering story, you're miles away from that yet.

 

Just get all of the statements and start from there.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Link to post
Share on other sites

There must be a genuine reason for seeking a full and final settlement payment with a creditor, the valid reason must be communicated to the creditor otherwise the creditor is not obligated to provide any help to his debtor.

Aneb has a health condition and she has said that her position is not going to improve in the near future, she has some funds available and she wants to settle her debts so that she doesn’t have to worry about them, this is the purpose of her thread/case posted here.

Her creditors will want to know why she is asking them to accept a lesser amount in full and final payment to settle the accounts, ill health is a genuine reason and this should be communicated to her creditors who will then be obligated to assist with the change in her financial position which has come about through no fault of her own.

It has already been suggested (by the site team) that aneb should send a template letter asking for interest and charges to be frozen on the accounts due to ill health.

There’s no ‘scare mongering story’ posted by me, DCA’s and court proceedings may be a while away, but this will happen, and aneb is trying to avoid that and all the severe stress it brings, by being pro-active while she is in the position to negotiate a settlement with her creditors so that she can concentrate solely on her health condition.

Dragging the matter out by sending subject access request and not informing the creditors of her health condition, will only cause stress to aneb, and her creditors will get the DCA’s involved immediately and soon afterwards they will sell the accounts and the new owners will get very aggressive in their pursuance of her for the debt, interest and charges will be added to the account each month, her liability will increase.

While all this is going on, the funds that aneb has available now will reduce, she is not currently working due to ill health and so those funds will be used to support her living requirements, and she will lose the opportunity to settle her debts, which will completely defeat the purpose of why she posted here in the first place, that is, seeking practical advice on full and final settlements.

Aneb, do you know if there is any PPI on the agreements?

Haunter

Link to post
Share on other sites

Court proceedings won't automatically happen, that's tosh!

 

Practical advice is to send a SAR, get the FULL rundown of the accounts, then using the hardship rules reclaim any fees and charges to reduce the amount owed.

 

IMO F&F offers are rarely accepted unless there is something wrong with the paperwork side, and OC's are unlikely to accept a F&F payment.

 

It has already been suggested (by the site team) that aneb should send a templatelink3.gif letter asking for interest and charges to be frozen on the accounts due to ill health

 

No it hasn't, DX hasn't mentioned the OP divulge anything of the sort.

 

Dragging the matter out by sending Subject access requestlink3.gif and not informing the creditors of her health condition, will only cause stress to aneb, and her creditors will get the DCA’s involved immediately and soon afterwards they will sell the accounts and the new owners will get very aggressive in their pursuance of her for the debt, interest and charges will be added to the account each month, her liability will increase.

 

That is scaremongering, DCA's are powerless, they are NOT bailiffs, and when accounts are terminated, NO further interest or charges can be added, that is a DCA's fantasy.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Link to post
Share on other sites

I have already said DCA's have no power. I'm not scaremongering at all.

 

I'm talking about the new owners if the accounts are sold, they become the creditor.

 

Original creditors do accept full and final settlements in in genuine cases, such as ill health for example.

 

The creditor will not freeze interest and charges on the account simply because his debtor asks him to, he will want to know why, and telling him that you are suffering ill health is a genuine reason and the creditor must then help his debtor.

 

Haunter

Link to post
Share on other sites

We would prefer to stick to the tried and tested CAG methods for now please Haunter

 

we can bring in the health later if things get sticky

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... 

 

 

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...