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    • Includes eligibility, appeals, tax credits and Universal Credit View the full article
    • The questionnaires below provide important information which will allow us to help you. In order to use them, you will have to copy them into your own post and then give us the answers – preferably in red below each question. You can start by overwriting the prompt: "Give answer here" below each question – and your responses should automatically appear in red   Thank you +++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++   You have received a claim form.   firstly - read all the posts in this thread FIRST...   then copy this first msg to your thread - and put your answer after each question   In order for us to help you we require the following information:- [if there are more than one defendant listed - tell us]   Name of the Claimant ? LOWELL PORTFOLIO I LTD   Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to. 25 AUG 2020   Date of issue XX + 19 days ( 5 day for service + 14 days to acknowledge) = XX + 14 days to submit defence = XX (33 days in total) -   ^^^^^ NOTE : WHEN CALCULATING THE TIMELINE - PLEASE REMEMBER THAT THE DATE ON THE CLAIMFORM IS ONE IN THE COUNT [example: Issue date 01.03.2014 + 19 days (5 days for service + 14 days to acknowledge) = 19.03.2014 + 14 days to submit defence = 02.04.2014] = 33 days in total   Particulars of Claim   What is the claim for – the reason they have issued the claim? Please type out their particulars of claim in full (verbatim) less any identifiable data and round the amounts up/down. 1) The defendant entered into an agreement with Vodafone under account reference xxxxxxxxx ("the Agreement"). 2) The Defendant failed to maintain the required payments and the service was terminated. 3) The Agreement was later assigned to the Claimant on 31/07/2015 and notice given to the Defendant. 4) Despite repeated requests for payment, the sum of £595.63 remains due and outstanding. And the Claimant claims a) The said sum of £595.63 b) Interest pursuant to s69 County Courts Act 1984 at the rate of 8% per annum from the date of assignment to the date of issue, accruing at a daily rate of £0.131, but limited to one year, being £47.65 c) Costs   What is the total value of the claim? £773.28   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? I received a "Notice of Claim Issue" letter after the "Claim Form".    Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No.   Did you inform the claimant of your change of address? Give answer here Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Yes, mobile phone account.   When did you enter into the original agreement before or after April 2007 ? After April 2007.   Do you recall how you entered into the agreement...On line /In branch/By post ? Online or phone.   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? I don't think so, I don't have a CCJ, but I will check.   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Account assigned to Debt purchaser.   Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes, but I don't remember the notice of assignment, I will have to search through all my scans.   Did you receive a Default Notice from the original creditor? I think so.   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? I think so, I scanned all the letters, I think different companies have sent me letters, I will check.   Why did you cease payments? Never used the contract, plus financial trouble.   What was the date of your last payment? No monthly payment made just a upfront fee I think.   Was there a dispute with the original creditor that remains unresolved? No.   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No.     What you need to do now.   Answer the questions above   If you have not already done so – send a CCA request to the claimant for a copy of your agreement
    • Public backs debt enforcement to support vital public services - survey | CIVEA View the full article
    • catch you in the morning don't do anything further esp ringing the fleecers ever again 
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    • I’m in desperate need of help
       
      I bought some clothes online in may through Evans and paid through PayPal
      returned them all seven days later
       
      I waited the 14days for my refund and no refund came
      I put in a dispute through PayPal but I didn’t get any emails to escalate the case - PayPal closed it. 
      evans said they couldn’t refund the money because PayPal have cancelled the refund because of the open dispute
       
      I contacted PayPal
      they said the dispute had been closed but Evans at no point had attempted a refund.
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      all I get is PayPal have cancelled refund because dispute is still open.
       
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      i suffer with mental health issues and this is affecting my health and I’d saved the money for a year to buy these clothes as I’m on a low income .
    • In desperate need of help. https://www.consumeractiongroup.co.uk/topic/425244-in-desperate-need-of-help/&do=findComment&comment=5067040
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A Shade Greener – ASG boilers – Everlasting Boilers


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I unfortunately signed up with this company back in 2013.  

On signing up I felt that I was bull rushed into signing the paperwork and when asking questions the male who came out was really obtuse.    

 

At the time I had been made redundant and felt I had no choice.

No body explained to me about the charging order put on my property either.  

 

Last year I phoned and asked how much to settle the account as I am selling the property.  

The person on the phone laughed stating I had another four years.

 

I asked for a copy of the contract as I was not told it would be for ten years.

 However on reading the small print it is actually 14 years.

  
the company have been rude and unpleasant and not at all helpful.

 I had been struggling with debt and the sale of the property is part of my solution.  

 

however the company do not care and just want their money.  

I also discovered in the small print that there is a charging order on the property and they wouldn’t remove until I paid thousands. 


I spoke to ASG again and explained I didn’t have thousands but would in a position to then start paying if I could reduce my debt by selling the house but cannot because of the charging order. 


I was told to ask my solicitor by shade greener  regards to an undertaking in respect of my situation with a promise to pay and they would put a hold on my account whilst waiting for the solicitor to set this up.

 

However in the meantime they have now sent me court papers.  

I was given a settlement figure and I believed was negotiating payment.

 

They have also denied they said about an undertaking and want all the money.  

I’ve asked them why they sent me papers and they stated they had sent a default notice.

 

 However I had phoned them several times regarding this and they said they put a hold on my account.   

I have also asked for a breakdown of how they came to the figure as it changes all the time.  

 

Made a formal complaint by email weeks ago saying I had to phone them in the first instance.  

So did this to be told I have to put it in writing.  

I feel like I’m going in circles

 

im at a loss what to do.  

I’ve had to borrow £2400 to pay them and now have to pay the £150 on top which they won’t negotiate on.  
 

I feel they have done nothing to help me and not even willing to open into discussions.   I will continue down a formal complaint path so I can take this to the ombudsman.   The company miss sold to me and failed to be upfront with the details of the contract.   
 

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I have created your own topic please continue to post here .

 

You state you have received court papers...do you mean a court claim ?

 

Andy

We could do with some help from you.

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charging order put on the property when you took the loan out for a boiler?

doubt it, someone is lying to you ....?

 

if there  was a charging (secured  loan) order

they'd be no need for them get northant bulk court to issue you with a claimform...?

 

 

 

 

please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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Yes they can......Conditional Sale Agreement......its in their T&Cs....

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 The National Consumer Service

 

If you want advice on your thread please PM me a link to your thread

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