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    • Please would you give us the name of the appeals company which you went with. I'm curious but alos there may be others who have been let down by them and I think that it would be helpful to know. Thanks   I see also that you have been asked to post up certain information/documents and you haven't done so yet
    • The boiler had started losing pressure. I was getting concerned about it. ASG sent me  a letter saying that to keep the warranty valid I needed to power flush.  On the morning of the power flush the boiler failed completely and I turned it off.  The flush technician decided not to flush through the boiler as he was unable to get it to work and reported it as leaking.  I then got ASG to come out the next day. ASG refused to mend the boiler stating that the power flush had damaged it.  I have spoken to the flush technician who has explained he did not flush hot. He has done power flushes for many years and has never seen the damage alleged caused by a power flush.  An independent gas safe engineer has also stated that the damage could not be caused by a power flush.  The boiler was maintained annually by ASG according to the contract. It includes a fifteen year maintenance contract.  I was g I NG to sar them and try going either via the FSA or possibly court. 
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    • Thanks very much that makes absolute sense. That’s exactly my aim at the minute to secure my vehicle. That has to be priority before I worry bout unfair payments etc. I sent the letter of complaint in the hope they may enter into a payment plan still. If I thought I had the time until the 31st January then it allows me time to prepare next steps etc.  only problem is If there is a ban on repossessions why were they attempting to do it the other day and saying they still are. 
    • Yes ban ends  31Jan Time order would be good  but Just suggesting a free urgent alternative to buy a 30 day stay BOS are still the Wild West of lending  Law Commissions proposals were dropped by the Government  However once you have secured your car you have grounds for complaints IRL, unfair treatment ,etc Problem is once you sign a bos you have effectively transferred ownership of your vehicle 
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 31 replies
    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies

CRS Chasing for payment after Photo Studio scam 2 years later


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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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and you were told earlier what to do with text msgs..

report them as spam (7726) ignore them totally.

 

 

 

 

  • Like 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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The reason why they are sending text (idle) threats is because the only way they can make money from debts that they buy is by frightening people into paying up.

Ask yourself the question? If it’s such an open and shut case for them to win, why haven’t they just issued a claim form already and got their ‘top lawyer’ on it .

  • Like 1

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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  • 3 weeks later...

I took my son to the very company more than 3 years ago, I was duped into paying 300 pounds as I said that's all I had on me, got home and read the reviews and was gutted but pleased to only be out £300 as others lost thousands.

 

I received a text on Friday telling me to pay £934.21 , the only thing I have to show for the £300 was a single picture of my son's which the lady said she was doing me a favour by even giving to me.

 

I just wanted to know how others have dealt with these criminals.

I'm not paying them a single penny that much I know but the threat of bailiffs is not an easy one to live with but they seriously can't keep getting away with treating people like this. 

 

I would appreciate any advice on how to proceed with this matter and if have to write to every consumer show...I'll just have to. 

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please start your own thread by hitting create in the top red banner.

 

bailiffs can never ever be involved unless you lose in court and they return to ask the court to allow bailiffs.

a DCA is not a bailiff on ANY debt and Never can be. no DCa has ANY legal powers no matter what type a debt is ...end of!

 

  • Thanks 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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  • 2 weeks later...

Hi guys!

 

Update:

 

Been forwarding all the text messages to 7726

 

These were the text messages:

 

28 October:

We have been instructed to proceed formally on this claim in 7 days in respect of the balance due to Photo Studio Group unless discharged or an arrangement made. This will result in a formal Letter Before Claim and Court Proceedings.  


29 October:

It's not too late to stop legal action. Settle the £1182.89 due to Photo Studio Group. 

 

30 October:

The £1182.89 due to Photo Studio Group is overdue we are now instructed to proceed with a formal Letter Before Claim.

 

We are now considering whether to issue Court proceedings to recover £1182.89 owed to Photo Studio Group. 

 

2 November:

We are now preparing to send a Letter Before Claim. Call 01422746202 to resolve this matter. 

 

6 November:

We have now have issued a Letter Before Claim which you should receive in the next few days. Pay the balance due to Photo Studio Group now.

 It's not too late to stop legal action. Settle the £1182.89 due to Photo Studio Group online now. 

 

8 November:

Click the link to address the £1182.89 due to Photo Studio Group to avoid legal action


12 November:

A County Court Claim will impact your ability to obtain credit for up to 6 years. Pay online to stop action. 


13 November:

We are concerned you have not responded to the Letter Before Claim regarding the balance due to Photo Studio Group?

 

15 November: 

Call AJJB Law regarding the letter you have received from us in order to stop Court Action on 01422746202. 

 

21 November:

IMMEDIATE ACTION REQUIRED. Pay £1182.89 due to Photo Studio Group online to stop Court action. 


23 November: 

We haven't received a response to the Letter Before Claim issued by us. It's imperative you act now to avoid Court Proceedings. 

We will be conducting a Pre Court Action Review this week. Pay £1182.89 online today or set up a plan to stop. 

 

26 November:

IMMEDIATE ACTION REQUIRED. Pay the balance of £1182.89 online today to prevent further legal action. 


29 November:

We will be conducting a Pre Court Action Review this week. Contact us today on 01422746202. 


2 December:


You haven't replied to the Letter Before Claim from us. Costs and fees will be added if we issue a County Court Claim.

  

Emails:

 

10 Nov:

 

Dear -----,

LETTER BEFORE CLAIM

AJJB Reference: ....
Our Client: Photo Studio Group
Balance: £1182.89

You will now have received a Letter Before Claim issued by us regarding the balance due to our client. It is important that you do not ignore this letter and read the contents carefully.

If you have a query relating to your balance then please contact us to discuss urgently.

If you wish to make payment to settle the balance you can do so through our website www.payajjb.co.uk or by calling us on 01422746202.

Alternatively an income and expenditure statement is enclosed in the letter, if you are unable to repay the balance in full, payment arrangements will be considered based on your circumstances. Payment arrangements can also be submitted via our website.

Please respond urgently to avoid Court action.

Yours Sincerely,

AJJB Law

 

19 Nov:

Dear ----,

RESPONSE REQUIRED

AJJB Reference: .....
Our Client: Photo Studio Group
Balance: £1182.89

Our records show that you have not responded to the Letter Before Claim issued by us, or our previous attempts to contact you.

We hope to resolve this matter without the need to issue a County Court Claim but we only have a limited time to do this.

In order to come to a suitable way forward to address the balance please contact us today using one of the following methods:

- Email - reply to this message

- Online using our secure customer portal - www.payajjb.co.uk

- Telephone - 01422746202

Hopefully we can agree a way forward without the need for further action.

Yours Sincerely,

AJJB Law

 

27 Nov:

 

IMPLICATIONS OF A COUNTY COURT JUDGMENT (CCJ)

AJJB Reference: .....
Our Client: Photo Studio Group
Balance: £1182.89

We are now in a position to issue a County Court Claim to recover the balance due to Photo Studio Group as we have not received a satisfactory response to the Letter Before Claim. This could result in a CCJ being registered against you

As previously mentioned, we wish to resolve this matter without the need for legal action, however, we are unable to do so if you do not address the balance due.

A CCJ will have an adverse impact on your credit file and will be registered for 6 years. It will affect any future lending decisions including applications for loans, mortgages, tenancy agreements and the purchase of goods on credit (for example a mobile phone contract).

You can stop further action now by contacting us to discuss your circumstances or by making payment:

- Email - reply to this message

- Online using our secure customer portal - www.payajjb.co.uk

- Telephone - 01422746202

Please do not ignore this email.

Yours Sincerely,

AJJB Law

I also received two letters to the address I currently live in:

 

1.  A letter before claim 

 

2. Implications of a county court judgment

 

Please let me know if I should proceed in any way.

 

Thank you all for your time!

 

 

 

 

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ok time to act

 

please scan up the letter before claim to pdf

 

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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The same thing is happening to me. If it helps I have had confirmation this company "the Photo Studio Group" is being investigated by Westminster Trading Standards where they are registered so other people must have complained about them as well.

  • Thanks 1
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time for all to go add their complaints then.

 

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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sadly had to hide your post as the uploads show the ref number throughout the pages

we have a duty to protect your data.

 

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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Update:

 

6 hrs ago:

 

FINAL REMINDER - NOTICE OF INTENDED LEGAL ACTION


Our Client: Photo Studio Group
Balance: £1182.89

We haven't received a satisfactory response to the Letter Before Claim issued by us or other correspondence.

Urgent contact is required to stop legal action.

This email is to notify you that your account will now be subject to review by our Legal Recoveries Team. If your account is deemed suitable, we will issue our Client's Claim via the Courts. Please note - associated fees and costs will be added to the balance of the account.

There's still time to contact us:

- Email - reply to this message

- Online using our secure customer portal - www.payajjb.co.uk

- Telephone - 01422746202

Please do not ignore this email.

Yours Sincerely,

AJJB Law

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for debt covered by a contract

 

NOTE ONLY USE THE ATTACHED FORM below

DO NOT USE THE FORM SUPPLIED BY THE DCA IN THEIR PAP LETTER!!

DO NOT USE OR GIVE THEM YOUR EMAIL/PHONE NUMBER.

USE ROYAL MAIL 1st class - get free proof of posting from any PO counter

 

box D tick

 

I dispute this debt because..recommended reason as advised from your thread and add the debt purchaser has yet to provide any or all of the required documentation.

 

box I tick

 

I require you to supply the following..

 

A copy of the signed contract and all terms and conditions

A complete set of statements detailing exactly how the debt has accrued detailing:

All Transactions.

Any additional charges, 

Details of all contractual interest added by whom and on what date.

List of ALL Payments made toward the contract

 

copies of any/all additional paperwork your client intends to rely upon should this matter ever progress an actual issuance by northants bulk of a county court claim form.

 

no need to do the financial statement etc anything else or send anything else bar the above

do NOT give them your phone nor email

PRINT your name

never sign the form

 

sent by royal mail 1st Class to the issuer of the PAPLOC 

get a free proof of posting from any PO counter

 

 

reply form pap.pdf

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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hdad to hide your docx as all your pers details are in file info/properties

 

the reply is modelled upon:

 

The Pre-Action Protocol for Debt Claims is made by the Master of the Rolls as Head of Civil Justice. 1st Oct 2017 - Legal - Consumer Action Group

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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well how else will they know why you are sending 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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  • 1 month later...

Hi, everyone

My story is just like everyone else's with Photo Studio Group.

 

I went there had a photoshoot with them and then they pressured me to sign the contract, they told me how beautiful and special I was bla bla bla and they said you need to make a decision now. My mum agreed and paid £200 deposit.

 

on our way home, we had such a negative feeling about all of it and when we went home we researched the company and the actual one that I went was in Oxford Circus with the name LONDON FASHION MODELS

 

I read so many bad things about them that they were actually a scam.

I sent them an email saying I want to cancel the contract

they replied saying the moment you leave the studio you cannot cancel the agreement.

 

We phoned the bank to cancel that card so they would not take money from us for the next months. 

 

just to clarify this happened in 2018,

since then I have received once in a while messages from them that I have an amount due but ofcourse i ignored them.

 

Now starting from October I am receiving messages from AJJB Law that they will take legal action against me if I do not pay the amount due.

 

These are the messages:

16 October 

http://www.payajjb.co.uk ACTION REQUIRED. Call AJJB today regarding Photo Studio Group on 01422746202 to stop this matter moving towards legal action. Ref ...

17 October 

 

http://www.payajjb.co.uk To avoid legal action you can set a repayment plan to address the balance due to Photo Studio Group. Ref ....

19 October

 

http://www.payajjb.co.uk You have not paid £2564.47 due to Photo Studio Group. The account is being reviewed for legal action. Ref ....

20 October

 

http://www.payajjb.co.uk AJJB Law can assist you to resolve the £2564.47 due to Photo Studio Group prior to legal action. Ref .....

1 January 

 

http://www.payajjb.co.uk/l/PwENqh We have been instructed to proceed formally on this claim in 7 days in respect of the balance due to Photo Studio Group unless discharged or an arrangement made. This will result in a formal Letter Before Claim and Court Proceedings. Ref .....

there are some more messages like this

 

I also received a letter home saying that this will proceed to a County Court and that's when we phoned them.

 

They said I have to pay the amount because I signed the contract, I told them I haven't received anything from them even for the photoshoot I have already given them £200 and for more I haven't even taken those pictures or anything. They keep saying I have to pay and the messages do not stop.

 

I am not going to pay anything to them, if they want to take me to court then okay I will have to go

this does not make any sense to me,

 

can someone please provide any advise or if someone is in the same position as me what has happened with you and how did you resolve this issue??

 

I also send AJJB Law the emails where I told them that I want to cancel the contract the same day I left the studio but they don't care.

 

 

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please start your own topic by hitting create in the top red banner

 

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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