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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 Guys

Just joined the forum as had been looking for some advice regarding this issue.

My partner is being pursued for a debt in Dubai in 2007.

 

Until last week she had no contact with the bank since 2009, this being the year she left Dubai.

 

We have just received a statutory demand from the infamous CWD which on advice we are going to set aside and dispute the debt they are saying is owed (over 180,000 pounds) from a c card debt of 18k.

 

From what ive read many of you are in the same boat and we would just like a bit of advice whilst we share our experience to hopefully help some of you at the same time.

 

Will keep you posted on how things go.

 

My partner left Dubai in 2009 with around 18k of debt and until last friday had no contact with the bank in question.

 

A guy came to the door and served a statutory demand on her and reading it we have 21 days to set it aside.

 

I have read various threads on this forum and others and it seems there are hundreds of other people being chased by the same company (CWD).

 

On doing a little research i have a few questions

 

1) as there is no reciprocal agreement between the UK and UAE can this be lawfully pursued

 

2) The timescale, can this still be pursued after 9 years ?

 

3) Will the setting aside of this demand require a solicitor to action this ?

 

your help and advice will be truly appreciated

 

thanks in advance

Edited by dx100uk
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can you scan up the SD to one multipage PDF 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... 

 

 

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Ive pieced together as best i can the remains of the demand, my partner was rather angry with the guy that served it and her immediate reaction was to tear it up

SD.pdf

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they are not the creditor

they cannot issue an SD.

 

safe to ignore.

 

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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Many thanks for your input dx. We have sought some legal consultation as my partner is still worried so i will let you know what the outcome is after this.

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well don't use that well known website lot!

you don't need legal advice really

and if they are charging you for it then pers I wouldn't pay.

 

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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This is the correct form......

 

https://www.gov.uk/government/publications/demand-immediate-payment-of-a-debt-form-sd2

 

Which lists the creditors name as the creditor.

 

Andy

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

 

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

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I will definitely keep you posted, we have scheduled a meeting with a solicitor (as my partner is still worried) to go through this.

 

The meeting should be within the next 10 days so once that’s taken place I will report back. Thank you everyone for your help advice so far.

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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

 

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

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Is it worth me contacting the Court and seeing if the SD has been lodged with them thus seeing if this is genuine, or is that not possible.

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its not got that far yet..the court will know nothing about it.

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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Is it worth me contacting the Court and seeing if the SD has been lodged with them thus seeing if this is genuine, or is that not possible.

 

SDs are not issued through a court

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

 

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

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  • 2 weeks later...

Excellent Mosalah, well done!

 

 

 

Was that done by yourself?

What did you need/put together in order to successfully 'set-aside?'

Just want to get a picture of what I would need to gather/prepare, should I ever need it!

 

 

Thanks' Mosalah!

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Just a quick update, we have set aside the SD that CWD sent us so we are now waiting for the next move.

 

Always was going to happen as if the original creditor got wind of it i bet cwd would have gotten an ear full because they should have gotten the money now lining cwds pocket

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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Hi

We hired a solicitor who submitted the Set Aside with an accompanying letter stating that we didnt recognise the debt that they were stating.

 

You can do this yourself, if you look earlier in this thread someone has posted a link to the set aside form you need to fill out.

 

We only hired a solicitor as my partner (who the action is against) is a real worrier.

If it was against me i would have done it myself up to the point we are at now.

 

Will keep you posted on all developments from here on in.

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Definitely a huge sigh of relief - I guess that would be the DCA's Ace card blown off the table - a contested SD. Thats the key.

 

Great stuff!

 

 

Thank you MoSalah for the updates, definitely helps and informs us all tremendously!

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  • 1 month later...

Just a quick update

So we applied to for a set aside to be instructed and we have now received a court date for early September (our first appearance). Will let you all know how this goes in due course.

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  • 1 month later...

So latest is this,

My partners court date was brought forward to last week and we were abroad so she was represented by counsel in her absence.

CWD produced a document from a “UAE law expert” who argued that this debt is enforceable in a UK court of law.

 

We are still currently away and have since received another email with a significantly smaller settlement figure of 24k.

solicitor is currently away but this very quick greatly reduced settlement figure has me wondering if they are chancing their arm ?

 

After the first hearing my initial question to our solicitor was the validity of UAE law being enforced in a UK court of law to which until this moment we’ve still not had an answer on .

thoughts would be great appreciated

Thanks in advance

Edited by dx100uk
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Foreign debts can be enforced in UK Courts, however, the creditor owning the debt, (if any court action was defended) would have to prove they had the right to do so, the debt amount was correct etc. They would have to follow the correct UK court processes. E.g. Was the statutory demand correctly issued ?

 

And who are CWD representing exactly ? If CWD have finanicial interest in the debt, because they will share in any amount of debt recovered, then they have to disclose to the Court. Failure to do so, would have serious consequences.

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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On speaking to our solicitor he feels that this isn’t enforceable but is not straight forward, could really do with advice from anyone who’s has been through this as I too am sure this isn’t enforceable but can’t find anyone who knows this law to argue the fact as of yet

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