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    • regardless to whomever have been involved and what happened ... police, court, bloke that collects the trolleys in the carpark   ..you TOTALLY ignore the likes of DWF and RLP no matter what   dx  
    • pers i'd certainly not be paying a powerless DCA anything EVER. esp when they dont OWN the debt, which in this and most cases they don't and most certainly NOT over the phone or use the phone to a DCA ever, no matter the reason. they lie and threaten all kinds of illegal things on a phonecall that they'll never put in a letter which is why it is sO important to record their calls, then you can raise a complaint against them.   cut the DCA of totally ring up the VETS and set up an affordable repayment schedule with THEM directly but 1st ask for a balance i bet that doesn't match the sums paid to the DCA.   dx  
    • Thanks for responses.   The post thats been deleted was posted before the post requesting bullet points. I was deliberately vague on the type of debt it was. However a utility company is not a service provider   The answer provided in respect of the income form is great.   The only question i have now is if its reasonable to request  breakdown of how the debt has been calculated and any contract hey may have been in place.   Thanks again 
    • Yes which is why they were  kicking off at Well'ard ( Well'ard being Drakeford  thinks he is so hard doing stuff before Johnson & Sturgeon.  Well'ard was Ricky Butcher's dog in Eastenders)for his one size fits all lockdown
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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.
       
        • 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!
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Bannatynes Gym Crewe & ARCEurope Ltd


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Hi,

 

I am having a problem with Bannatynes in Crewe and a debt collector called ARCEurope.

 

I was a former member at Bannatynes and they are claiming I owe them money (£77.31), hence the debt collector who has been in touch.

 

 

I have attached some documents for you to look at.

 

Do I cough up the money or do I stand my ground?

 

I would appreciate some advice on what to do.

 

Thanks

Bannatynes complaint.pdf

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Dcas are not BAILIFFS

Why do you owe the money?

Full story 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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You owe nowt ignore everything

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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You most certainly NEVER pay a tin pot powerless DCA, hammer the gyms complaints procedure and embarrass them on social media too.

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!

 

 

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Thanks for your input. They are threating to get solicitor involved and take to court. They have given me 14 days to respond.

 

Here are my emails to back up above...

 

Can you see the attachments?

 

...

 

The original T&C's and latest on Banatynes website...

 

single multi pdf attached. How do I remove others/older ones?

 

Thanks

 

 

ps I am concerned about T&C's as they have changed and what it says about debts. I will ignore but still worried about them getting CCJ against me.

CAG Docs.pdf

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No gym has started court since 2012..safe to totally ignore now

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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Thread tidied

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 Starlord and welcome to CAG

 

Read other threads here to see advice given to others.

 

In your case, you must stop replying to either the gym or ARC Europe for now. Corresponding with ARC will simply encourage them to keep chasing and threatening you.

 

From what you've told us, you need do noting more and can rest assured that the threats of court action, etc is just Hot Air and will not happen.

 

Ignore for now but keep us posted.

 

:-)

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