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    • Yup, tax credits are know for making mistakes. It took me 5 minutes to find  out they fabricated a phone call and had me earning 5 k more than I actually did
    • On 3 February 2003 I opened a credit card account with Lloyds TSB.   In May 2009 I defaulted and the proverbial hit the fan and the debt was passed to Cabot.   Any PPI was investigated by the Citizen’s Advice Bureau back in 2009 and all was found to be above board.   I have since that time continued to pay £1 every month to Cabot without sending any details of my income mainly because my circumstances never changed.   Recently I have received a letter from Cabot Financial. They’re considering legal action as they require an update about my situation. If they do not hear from me within 38 days my account will be placed with their solicitors whereby they will send me a “Letter Before Action” and subsequently a court claim will be issued against me. It details all the threats of a CCJ and the outcome from obtaining that would bring, including a warrant of control – enforcement agents (bailiffs) will visit me at home for the money or remove goods.   I am unemployed but not claiming benefits. Do not own any property or goods of any substantial value, only a second hand bicycle and this computer bought in 2012.   I’m not too concerned about a CCJ and I’d rather get this done and dusted after all these years of waiting for such a letter from Cabot. The debt today stands at £9500.00   Perhaps the next step should be send a SAR to Lloyds and a CPR 31.14 to Cabot…. And await the claim form.  
    • Ok. That sounds better. How long ago did they offer the 7th
    • so what..stuff and all they can do unless you want to be a mug and pay for their xmas staff party by giving them free money   dx
    • They offered w/c 7 Dec on Tuesday of this week.  I didn't accept it or reject it. I just said it was better than Feb but still not what was agreed.  I said I wanted to speak with their director before I would consider it and she refused.  
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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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Hey there guys.....

 

I hope im posting in the right place and that maybe somebody can help me, im kinda going out my mind now.

 

I wont bore you with a full history but i will sumarize briefly,

 

January 2017 my wife and I where taken to court for non payment of council tax,

we was given a liability order and it was passed on to rundles enforcement agency for collection of payment.

We made a payment agreement with them but due to being made homeless and a situation beyond out control we never kept up with the payment.

 

In November 2017 rundles made contact again by sending us a "PRIOR NOTICE OF INTENDED PROCEEDINGS" letter,

we made contact and agreed to a weekly payment plan,

we made the first 3 weeks payments.

 

On December 18th we called them and asked if we could defer payment for 2 weeks as i was receiving no wages and start payment again on the 4th January, they told us we couldn't and it was tough luck.

 

Unfortunately we couldn't make the 2 payments like we told them but did do as we promised and made a payment last Thursday 4th january.

The day after my wife and I received a text from rundles asking us to contact their agent urgently and provided us with a mobile number for him,

 

we called immediately

he advised he was on annual leave until today (8th January) and to call back then.

We also contacted rundles head office but they would not talk to us as it had been passed to an agent and said we would need to call him monday.

 

We called the agent

he has said that unless we pay the full £426 by tomorrow (9th January) 12:00 he will have to come round and seize goods,

i advised him we dont have that money upfront but can reinstate the original weekly payment

he said no,

 

we told him that due to being in temporary emergency accommodation we don't have any of our own goods in the property that he could take.

He has said that if he cant get in or seize goods then we will be getting a commital referral tomorrow,

something like that,

he is using a lot of big confusing words and i dont know what to think.

 

Can anyone advise what my next steps should be

how to handle tomorrow,

is it possible my wife and I could be arrested tomorrow or is he trying to scare us?

 

If i contact my local council tomorrow is there anyway i could get them to stop this and take back debt?

 

Any advice at all would be great guys.

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of course you do know he is bluffing.

he cant force entry nor put anyone 'in prison'

 

best idea is ring the council concerned.

were they the ones that put you in the emergency home..do they know?

as this sounds like you are extremely vulnerable 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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We called the agent he has said that unless we pay the full £426 by tomorrow (9th January) 12:00 he will have to come round and seize goods.

I advised him we dont have that money upfront but can reinstate the original weekly payment he said no,

 

We told him that due to being in temporary emergency accommodation we don't have any of our own goods in the property that he could take.

 

He has said that if he cant get in or seize goods then we will be getting a commital referral tomorrow, something like that,

 

Can anyone advise what my next steps should be, how to handle tomorrow, is it possible my wife and I could be arrested tomorrow or is he trying to scare us?

 

If i contact my local council tomorrow is there anyway i could get them to stop this and take back debt?

 

What you were told is not right at all. Neither of you will be arrested and there will not be any committal referral. I will respond in more detail later this evening.

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Typical Rundles, Contact the council and a local councillor tell them that you are homeless and being threatened with prison for a Council Tax LO by a bailiff who is uttering threats of actions he cannot lawfully carry out.

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

 

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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As above,

 

See how may threads there have been in the last month, where the local councillor has stopped this dead in it's tracks. I always say contact the local head of the council too for good measure.

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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