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    • lets cut to the chase, HB,  Christmas is Cancelled,  it already is by the Wee Nippy in Scotland it seems, where she is talking of a Zoom Christmas. so record a parody Christmas song.  Zoom Christmas a parody of Bing Crosby White Christmas I might just do that today Fire up the DAW plug in the mic
    • @honeybee13I genuinely think Boris is confused about what to do. Economic disaster v even more unexpected deaths.    I see what you mean, UB, but is it possible that dithering since September means that lockdown will be longer and cost the economy more than if there had been a two or three week circuit breaker a few weeks ago?   I'm interested to know why it's going to be on Wednesday, so quite a wait from it being known, albeit through two newspapers and not an announcement yet. France had a day or two's notice of their second lockdown.  
    • I'm trying to understand the whole story.   However it would help if you would identify the companies you have been dealing with
    • @honeybee13I genuinely think Boris is confused about what to do. Economic disaster v even more unexpected deaths.    The big problem with this virus is that many people have very mild symptoms or no symptoms at all, but can still pass on the virus to others.    And with winter bugs having some similar symptoms to CV-19, there are probably thousands in workplaces with CV-19 who just don't know they are risking others lifes.   If Government are going to lockdown the country for a period, it has to be really strict and that includes schools and Colleges.  They should have done this in a planned way around the half-term period.   
    • So you have been receiving more messages and threats??  This is what they do.   You are starting to feel nervous and worried??  That's why they do it.   Are you starting to think it might be better simply to pay???  Then it's job done.
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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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Income and Expenditure Sheet from Creditors & DCAs


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Hi guys

 

I have a number of large loan & credit card debts that I've been paying off by the absolute minimum amount since 2011. 

We lost our business & home and have been renting since. 

 

None of the debts are with the original creditors now, but they have been doing the usual 'pass-the-parcel' merry-go-round for the past 8 years and have settled with the likes of CapQuest, Intrum, Cabot, CDCS, PRA Group, NCO Resolve & Moorcroft!  They also very regularly send 'offers' of settlement with up to 70% discount!

 

Over the years some have been sending irregular 'statements' and most nothing at all.  Every so often some contact me to discuss the repayment 'plan'.  A couple, including NCO Resolve, keep asking for an updated Income & Expenditure sheet and even a list of ALL my creditors + what I owe & pay each of them.

 

I always reply with the same letter or email (never phone calls) explaining my situation and the fact that I pay ALL my creditors the same monthly amount.  However, I never send them an I&E sheet or list of creditors.

 

So, my main question is; Is it ok not to send the requested details, as I was once advised that only a court can ask for them?

 

Thanks & regards.

 

radmm0

 

 

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I hope you've CCA'd every single one of the debt owners before blindly paying up?

 

or continuning to blindly 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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Thanks as usual guys.

 

CCA'ed them in the early days & they all have an original copy, unfortunately!

 

How & when does a debt become 'statute barred'? 

Would any of my debts qualify as such, as all are more than 9 years old (since I defaulted)?

 

Thanks.

radmm0

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you've blindly been paying them

running SB to infinity.

 

when did you CCA them?

and who said they were enforceable?

 

cant see any relevant threads of yours containing this info here

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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Unfortunately a debt only becomes statute barred if it’s 6 years after you stopped paying them.

 

It makes me incredibly angry that people in

Your  situation are not made aware of this by law whenever a DCA purchases a debt.

 

Each time you pay them the SB clock gets reset. That’s why I wouldn’t pay them a penny. Rent, food and bills are your priority. Not this bunch of leeches.

We could do with some help from you.

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I guess I have.

 

CCA'ed in 2012

 

Judging by the comments, I need to re-start things & check the CCAs they sent me.

 

We've moved a number of times since losing our home & unfortunately a lot of the earlier paperwork has been stored in relative's lofts & garages.  So, will have get them all back & take a fresh look.

 

Thanks again  DX100uk & London1971 for your guidance.

 

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it would be much better to forget the past and CCA request everyone you are currently still paying

 

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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1 hour ago, London1971 said:

Unfortunately a debt only becomes statute barred if it’s 6 years after you stopped paying them.

 

It makes me incredibly angry that people in

Your  situation are not made aware of this by law whenever a DCA purchases a debt.

 

Each time you pay them the SB clock gets reset. That’s why I wouldn’t pay them a penny. Rent, food and bills are your priority. Not this bunch of leeches.

 

You're absolutely right.  I was advised by the local CAB office all those years ago for our house repossession & personal debt issues.  We were definitely given the wrong advice about the direction to take with the house and had to sell it in the end due to their 'wrong' advice and now realise that we were also given the wrong advice about how to deal with my debt.  Shocking.

 

Does one stop paying all of them?  Wouldn't they have a legal right to take me to court to get 'their' money?

 

I so believe that our Consumer Credit Laws & Private Rental Market are in need of a major shakeup.  The sooner the better!

 

Thanks again for your help.

 

Rgds.

radmm0

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Will be doing that when I get all the paperwork back from our relatives.

 

Does one send the CCA letter & SAR to:

 

a. the current DCA

b. original Creditor

c. both a & b, or

d. ALL the DCAs involved with each debt & each original Creditor?

 

Thanks dx100uk.

 

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as I said

you CCA whomever you are paying.

don't wait do it tomorrow

you don't need you old paperwork

the quicker you do it the quicker you can stop paying when any fail the 12+2 working day time limit to comply.

 

sar always goes to the original creditor but i'm not sure of why you need to do that unless you are looking to reclaim penalty charges.

 

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'm hearing this about the CAB from others too, I'm just not sure where they come up with this stuff. Yup I know the moral argument about paying back debts etc but surely they must know how DCA's work and that once a debt has been sold on it can be detrimental to pay it back.

 

As for taking you to court, it might happen at some point over the next 6 years, or might not.  Often if they can't come up with a CCA and write to you telling you it's unenforceable. This is why you make sure all of your creditors have your current address so that if you receive a claimform, you will know about it so can defend yourself.  Most CCJ's are issued because the form goes to an old address, judgement by default.

 

To give you an idea though, between me and my wife we had 25 defaulted debts, I didn't pay any of them a penny. We ended up with 4 CCJ's, all of those were avoidable if we had given them our correct address.

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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