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    • Thank you very much for your reply!    I definitely put the value when I purchased the insurance. I unfortunately can't remember if I stated what the item was but it would make sense that it would also request this information. (I used the oh-so-convenient ..tsk.. little machine in the shop that you just enter all the details into and it prints it out for you). I will research as to whether that was something I indeed needed to enter; if I did I certainly would have put guitar.    I have photos of the guitar before posting but no pictures of it wrapped up unfortunately, as it didn't occur to me I'd need to do that (with being new to selling online and it being the first time I'd posted anything of value... Sigh!!)    I do have the buyer's message stating there were signs of rough handling to the package however.    The damage is to one of the dials (completely smashed) and a crack down the neck.    I'm new to this site and I've been trying to use the search function to find other hermes related posts but it only brings up results for lost claims not damaged (when I try to move forward through the results it doesn't seem to let me but I'll keep trying!) 
    • just add sorry it not on my statement not on anything like that but it been used block my new application by student loans even though it been sold.  I had no idea to be honest at all it even existed as i still had slc finance and that showed as okay.  Now i am more worried about the university try charge me 2250 pounds for being two days over the deadline, as soon as I was reject i withdrew from the course as I did quick research and noticed it be long process to even try and overturn decision.  My tutor will sign me off on the deadline hopefully just the lady in credit control was saying does not matter two days over has me worried.  
    • The majority of Cumbria is in tier 1 making it ineligible for support offered to tier two firms. View the full article
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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 thought I had everything under control but seems not. 

 

Got into debt with Npower, they got a CCJ and next im dealing with CES (Court Enforcement Services). 

I made an agreement to pay £60 per month and have done so last couple of years each month but not on a date set.

If it got a bit late they text me saying so and i paid but never missed a month.

 

I knew I was close to paying it off so emailed them asking what is left to pay about 4 weeks ago.

They said about £1500 when I knew it should be around £400ish.

They informed me it stands at £1500 as charges have been added to the account.

 

Ive never recieved any letters and no one has visited my home when im in and nothing has ever been left.

 

Today I receive a letter stating High Court Writ of control saying ive failed to resolve the matter by paying in full or agreeing a controlled goods agreement outlining a repayment plan during our enforcement agents attendance ! 

 

No one has been here and ive certainly not spoke to anyone,

now they say they are preparing to send someone to take control of my goods.

 

Where do I stand now,

do I have to pay them there £1000 ish charges they have added ?

 

Thank you in advance for any assistance in this matter

This is what they sent me 

Screenshot_20190807-215627.pngLetter received 

 

IMG_20190807_221423.jpg

Eggy12 

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"From:
My Name
My Address
.
To:
Acme Bailiff Co
Bailiff House
.
Ref: Account No: 123456
.
Dear Sir
.
With reference to the above account, Can you please provide me with a breakdown of the charges. 
.
This includes:
a - the time & date of any Bailiff action that incurred a Fee.
b - the reason for the fee.
c - the name(s) of the Bailiff(s) that attended on each occasion a Fee was charged.
d - the name(s) of the Court(s) the Bailiff(s) was/were certificated .
e - the date of the Certification.
.
This is not a Subject access request under the Data Protection Act S7 1998 

You are obliged to provide this information.
.
I require this information within 14 days.
.
Yours faithfully
.
Ripped off customer"

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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Thank you I will email this this morning. I have a scrap car in drive, non runner. Should I get rid of this or do you think they have took control of this. I have no idea how this new system works so please forgive me. 

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HCEO, doubt it its on your private drive and wont ever meet the debt anyway.

 

did you ever query the amount on the CCJ

npower had really bad issues with their database not too long ago and bills were wrongly exaggerated,  

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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No have not questioned the amount, they stuck a meter in but did not use gas after that although over last 6 to 8 months I've had random cheques turn up from them averaging £35, about 7 all told. They got the ccj about 4/5 years ago maybe longer. 

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Would there be any harm asking npower about this debt now and the figures, been asking about and everyone says the final bill has always been wrong estimated or read ! Is this a route worth taking ? 

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cant hurt to send an sar no.

 

 

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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  • 2 weeks later...

Got a reply by letter today. I thought it was going to be the reply to the information I asked for regarding breakdown of charges. Instead received this dated 16th August. ! 

IMG_20190819_200326.jpg

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oh well they cant as theres no right of forced entry on civil consumer debts.

as they say in not so many words theres no a lot they can do.

 

shame you arranged anything with them in the 1st place.

how did that happen, over the phone?

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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In the first place it must have been over the phone. Could have been by email but cannot remember to tell the truth. I would have sent them an I&E so now I'm wondering if it was by email.I will take a look but might take a time scrolling mails from over 3 years ago 🧐

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then one must surely dounbt how they can have levied the fees they have if they have infact not attended twice ? as they claim..urmm..

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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Exactly.

 

Not sure if they have to leave something saying they have been like they used too before rule change, I would have thought so but have not been able to familiarise myself with new rules as yet.

 

Last dealings with a bailiff sending same letter you provided me with resulted with a un qualified person putting a I've visited letter through letter box.

 

With an outstanding ccj with water company at least I know what direction to go in now thanks to your advice.

 

Will update soon and thank you.

 

My next move is to get in touch with npower regarding this. 

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It wouldnt hurt either to get the ccj number if you Dont have it from your credit file and ringing northants bulk asking for a copy of the judgement and the claimform by email pdf.

 

did you get the claimform in the 1st place and simply ignored 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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Yes got the claim form and ignored it as no money at the time to even try to sort it out.

Had many coming through at the time.

 

Meters fitted, sorted electric out but did not use gas as only heating affected so just went cold until I scraped enough to buy a fuel burner. Love it and won't be using central heating ever again. Electric shower so hot water is all good.

 

I'm still with npower so hopefully will have a bargaining chip, get them off my back or I'm off, at least for electric as owe nothing ! 

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brill I thought there was an error bur bailiffs fees are not my strong point

 

keep pushing!! them

 

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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