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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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CLI chasing Enagic Water Purifier Europe FB business ad i fell for


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pray tell me, what does further action mean.....more scary letters par chance...cause thats ALL they can ever do......

you watch they'll get the pretty colour crayons  on the next one...

 

they might even change the letter head in the same Printer that the automatic threat-o-gram pc is connected too to make you think it's going up a chain of authority.....

 

you see the thing is MUGS over the last 40+yrs have blindly coughed up to DCA's cause they think they have magical powers. thats why

 

read the red bits below..

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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own topic created   tarm39 simply ignore them and block and bounce their email address   NOTHING they can do to you and no never seen them ever appear at a door to collec

Nothing will happen to the debt. It may exist on paper and be valid for as long as statute of limitation allows.    

plenty of CLI threads here to read. block and bounce their emails   dx  

What about Enagic?

Is there a chance that CLI don't own the debt and Enagic will take further action themselves?

I have read up about CLI and saw that they operate under the name "Cranford law" as well. 

 

I just want it to all go away, will they ever stop?

I don't want to keep getting threats even if they are empty ones.

I didn't mind the emails so much because it made no impact but opening actual postal letters with threats is not nice and it plays on my mind all day. 

 

I want to thank you for your advice because without this forum and tour help I would be going out of my mind with worry and probably took out a loan or something to pay it. 

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On 24/09/2019 at 15:38, dx100uk said:

go find any evidence anywhere on the interweb that proves your worry Enagic have issued any court claims in the UK for a foreign debt...

there are not any.

 

dx

 

 

i repeat what i said more than 1yrs ago.

 

 

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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I am not sure how you'd even look that info up correctly.

Is foreign debt wiped after 6 years too?

This isn't on my credit rating file either as far as I'm aware. 

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  • dx100uk changed the title to CLI chasing Enagic Water Purifier Europe FB business ad i fell for

its not a UK debt so won't show.

 

as for court cases use a search engine

but if i can't find any you won't i can assure you

 

it's a pyramid scam scheme just in a different guise

 

i also notice having tidied your thread that you are blindly paying another FB scan Business debt?..

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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That's good then. 

 

The FB ads wasnt a debt, I paid £1,500 in ads after signing up to Enagic as I was part of this pyramid scheme that said we had to pay ads and then people would sign up to Enagic under me.

 

The FB ads isn't anything to do with the debt I am speaking of.

The debt is for the two machines from Enagic totally around £2000. 

 

Hopefully CLI will get bored and move on 

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On 03/09/2019 at 11:22, tarm39 said:

Joining this company put me in debt with another loan for the FB ads (which I am still paying to this day) it caused me to have to put my online business to one side and get another full time job which I am still doing now. 

 

from post 1....

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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I paid the loan off for the ads eventually but I had to take out more to pay for time off work due to medical reasons but that wasn't my concern. It was more Enagic that ruined everything for me. My debt wasn't with Facebook though it was just a low APR bank loan. It's just Enagic and CLI that are after me 

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no a threat of one

they never turn up anyway.

and ofcourse are not bailiffs anyway.

 

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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can you get your doorstep up for him to collect?

 

 

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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:pound:so I am guessing they won't be turning up.

 

They did threaten that before via email before they knew where I actually lived, but now they do I wonder if they will actually turn up.

 

he part about covid-19 makes it seem pretty convincing that they will visit, but I kind of use your advise as a "Dx said not to worry so I won't". 

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well they don't actually know where you live cause you ain't ever told them in writing?

they are just going by your credit file entry which is known to be notoriously inaccurate anyway.

 

and also on that from

CLI are not FCA registered to even be allowed to search your credit file anyway

so i wonder how they got that info?

naughty!!

 

 

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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Share on other sites

Hmm that is interesting!

Shall I return their letters as return to sender?

Or just totally ignore everything?

 

Also... What will they threaten with after?

I am sure there must be a point where they give up or can I expect threatening letters for the long term?

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simply ignore them..

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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Share on other sites

I wonder if they have ever visited someone?

And by ignoring them I am assuming then that this will simply "go away"? 

 

I had a quick look over another thread about a guy who ignored these letters from CLI too who was going to work in Australia and is now facing court proceedings of which several of the amazing people on here are helping him with his defence.

 

But, this worries me greatly because I don't want this to end up going to court too eventually!!

I know CLI can't do anything themselves, but surely Enagic could take it further if they wanted to?

 

As you might be able to tell, it's 01:55am on a Sunday morning and I'm wide awake worrying about this still (more so after looking at the other threads regarding CLI).

 

Most of them seem like Italian fines but nobody has actually updated with anything which I guess is good news but also we don't know if any further action has been taken?

 

Is there actually ANY chance that either of the two following things will happen... 

 

1. CLI send someone round to knock on the door

 

2. Enagic will take me to court / further action is taken to recover the debt? 

 

Thank you again for your help! 

 

 

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2 hours ago, tarm39 said:

I had a quick look over another thread about a guy who ignored these letters from CLI too who was going to work in Australia and is now facing court proceedings of which several of the amazing people on here are helping him with his defence.

 

what thread....???

 

1. 

Quote

 

CLI send someone round to knock on the door

 

2. Enagic will take me to court / further action is taken to recover the debt? 

 

 

1. so what...

 

2.find one...

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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Share on other sites

 

This thread.  

Seems CLI took it further? Or the client took it further that CLI were working with. I am worried Enagic will do the same. 

 

My partner works from home at the moment, I do not. I don't want anyone coming to my door at all 😟😟

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there is no evidence CLI ever turn up.

and ofcourse they should simply be told to leave the property and never to return.

else the police will be called on 101.

do not engage with them and use a mobile phone to film them.

 

it's worthy to note 2 things:

1.CLI are not registered in the UK so cannot carry out doorstep visits.

2, In the claim you refer too above CLI intimate they have been sold the debt, yours has not been sold.

 

if if if it ever should, they would have to still abide by the pre action protocol and if if if they ever ask Northants bulk to raise a roboclaim and if if if they do so, as pointed too several times before here, several UK registered DCA's try raising court claims on bogus UK mobile debts solely made of contractual payments till end of a contract etc etc and lose.. a foreign mobile debt IMHO stands even less chance.

 

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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That is reassuring. I hope they don't. If CLI buy the debt then I guess they can take it further? 

 

Thank you for your advice. I will no doubt be receiving more letters so I will update what happens in due course. I am not looking forward to more threats in the post 

 

Tarm 

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well that other one is a kite flyer so you never know..

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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