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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
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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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Capquest coming out of the woodwork - Old Abbey OD.


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My wife has been paying off a credit card debt since 2012 at the rate of £5pm.

She has never missed a payment and currently owes £798.

We don't dispute the debt as we jumped through the hoops back in 2011 and it looked, after advice on here that it was enforceable.

 

All of a sudden, Capquest are now sending snotty letters demanding that she get in touch as the 'balance remains unpaid.

She doesn't want to call them and would rather just keep paying the £5pm.

 

Any up to date advice to get them to stop their chasing.

We really don't want to have to get into dialogue and start the inevitable how much can you afford to pay interrogation!

 

As it's under £800 are they likely to get CCJ ish.

We live in rented accommodation now having had to sell our house 6 1/2 years ago.

 

I'm minded to send them a letter saying thanks for their interest but that's all we can afford.

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Has she written with her current and correct address?

who was the oc?

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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They have our current address.

I'm fairly sure it was an Abbey National personal loan.

Originally chased by Debt Managers and then passed along the food chain to Capquest.

 

The letter says the account may be returned to Arrow Global (who own them) who will consider passing the account to a specialist partner to recover the balance outstanding.

Given that my wife has never missed a payment, that's a bit off.

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Wheres the thread with the cca return in it

You are safe to ignore them unless she has never written to them or the oc giving her current and correct address. Them writing to the correct address doesnt mean they cant file a claim to the old one if she hasnt

 

we normally see the above actions as a result of address phishing before backdoor ccj attempts

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 had a couple of issues back nearly 10 years ago, so not sure there would have been a seperate thread posted, but took the general advice on whether an agreement was enforceable and after all the info was in from the Abbey Nat, decided it was, so have been paying the agreed amount ever since.

 

Given your advice, might be an idea to confirm our address by recorded post, tell them its rented, and confirm the £5 is the most we can afford and would they consider a reduction to £4?

 

Just don't want our excellent credit score ruined, worked hard to recover it over the last 8 or 9 years - all the defaults etc have disappeared.

 

Do they tend to issue a county court claim for under £800?

 

Hoped we had seen the last of all this shenanigans!

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DCA's will issue claims for £100...

 

the debt was obviously defaulted more than 6yrs ago so all evidence of the debt is removed after 6yrs

and cannot comeback unless via a CCJ will show the public/judgements section of your file and kill any credit for another 6yrs unless its settled within 28days of a judgement.

 

if they have not legally in writing been informed of a change of address

they are quite legally entitled to file using an old address.

this is why it is so important to always advise of a change regardless to the debt age.

 

as the CCA was to the OC, and you've been blindly paying this to a DCA after sale [which should always be retorted too by a new CCA request]

I would send a new CCA request to them now.

 

that kills two birds.

 

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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I have done  a little digging in my emails here going back to 2010.

 

It looks like Moorcroft were  the original DCA, then passed to Direct Legal Collections.

 

I think it was then sold on again before ending up with Capquest.

 

I'll send them a new CCA request and see what happens.

 

To refresh my memory, I take it they have to show me a copy of the original signed agreement or they can't chase.

 

Is there more complexity to that - I'm guessing there is!

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though you knew all this as you'd excepted the CCA was enforceable before?

 

Moorcroft and DLC don't buy debts

they simply chase for their stated client.

 

so eventually it was sold to capquest, part of the arrows group.

 

have you worked out what the debt was and the OC now then 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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Yes, think it was something to do with Abbey National (as was)around 2010.

 

From memory, and it was about 10 years ago, on balance of probability from the advice on here and the info we got back, I concluded that it wasn't worth the risk of getting a CCJ and chose instead to pay them a fixed amount each month, which my wife has, without fail.

 

I see from records that Debt Managers were involved as well.

I remember how charming they were to deal with..not.

 

We had a lot going on back then and this was just another small battle that we didn't need to fight as we had more fundamental issues to address for the sake of a few quid per month!

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  • 11 months later...

open

 

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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Just a slight delay on coming back to this thread - have been slightly distracted having a heart bypass op, followed by being diagnosed with T2 diabetes as a result of the op apparently.

Anyway, all good now!

 

Recently got back on to this issue and received a response from Arrow on behalf of Westcot.

They tell me that as the account was originated from an overdraft, it was not covered by under the CCA 1974.

 

They did confirm that the account was in default and that the total amount owed is £752.

they also tell me that the amounts that will become payable will include interest and costs, depending on which enforcement action is taken.

 

I still therefore still have not got written proof that my debt is enforceable from them, other than a a vague line saying my account is in default.

 

Any suggestions as to how I progress this most effectively.

Been paying this for 10 years now!

 

PS, thanks to DX100uk for allowing me to resurrect the thread.

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  • dx100uk changed the title to Capquest coming out of the woodwork - credit Card Debt.
  • dx100uk changed the title to Capquest coming out of the woodwork - Old Abbey OD.

stop paying a bogus OD debt and running the statute Barred date to infinity.

until or unless you get a letter of claim, ignore everyone and everything.

 

she's been cash cowed for years on a debt that didn't need paying in the 1st place.

.why do you think a giant multinational bank sold it on for <10p=£1 and not take her to court and crush her

...it's bogus.!!

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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