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    • Thank you Andy no nothing has changed its still the same for £7700 I was going to include the interest and costs, but I understand the claim now a little better, we have been told to work from home, I have printed off the N244 as I could not save a copy I have detailed everything as stated.   I will post up the two letters to be attached the defendants and my daughters, can ii add that she gives me permission to represent her in court as she will be abroad when the claim goes to Court I can get a witness statement from her to confirm this too.   So with the application N244 completed as above for £7700 plus costs and interest I will attache my daughters letter as detailed under Sec 19 (2.1) Defendants letter giving no objections    I will send this by email tonight after I have finished work
    • It's a shame that you don't have pictures of the damage packaging. Not very clever of the recipient not to have taken these photos. Find out all the information you can. Careful preparation and lots of evidence is important. Whether I think you have a good case will not especially relevant. At the end of the day it is you who will have to decide whether you want to fork out the court fee and have a go at getting your money back. Your's to win and your's to lose
    • @BankFodderthank you again for your reply, I really appreciate it.   I will go through the machine procedure again today. I'm so relieved to hear you think I've got a good case against them.    I have been sent my guitar back from the buyer and he has been refunded in full.    I have photographs of the guitar dated day of listing on eBay and then the photos the buyer sent me of it damaged.    Oh yes, huge lessons and I won't be putting anything of such value in the post again! 
    • Seeing as most here  hate Johnson and the Tories who do you suggest we have running the country?   I am not a fan of Johnson but nor do I like the Labour party lol,    just a general question   Sandy xx
    • Well now you know a bit better – you sell things on eBay then make it clear to your recipient that if the parcel arrives damage they should take lots of photographs before they open it and while they are opening it. Where's the guitar now? Do you have photographs of it now? Does the machine give you an opportunity to view their prohibited items list? Maybe you should go back and doublecheck. Maybe you should also go back to the machine and go through the process and see at what point it invites you to say what the item is. Either way, it could be helpful. If the machine doesn't invite you to describe the item then obviously you had no opportunity to do so. If the machine does invite you to describe the item – then clearly they knew about it and they took it anyway. As you are finding out, most of the cases on this forum – and elsewhere are to do with lost items. Hermes seems to have a particular knack of losing items – but if you have sent an item which has been properly described and properly valued and you even bought their so-called "insurance" which is designed to get you to protect them against their own negligence, then I see you have a very good basis for a claim. Keep on reading around the forum. Start reading up also on how to bring a small claim in the County Court. I'm afraid that you will almost certainly have to issue the papers.
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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
      • 49 replies
    • 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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debt collection agencies


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Hello! I am new to all this and only stumbled across the website when trying to find out about Legal and Trade. I took out a student account with Lloyds TSB in 2000 and owe 1677.35 of my overdraft. I have been paying Activ Kapital £50 a month but his morning received a letter saying that Legal and Trade now own the debt. Why is this and what does it mean? They say they are arranging a house visit but I don't want them to come to the house!!:|

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Hi Essdee.

 

For the best help and information please start your own thread in the Debt and Bailiffs Forum. There are users on that forum with a LOT of experience of this situation.

 

Please click on this link for the DEBT AND BAILIFFS FORUM...

 

You will soon get the help that you need, there.

 

Good luck with your problem.

 

Regards, Rooster.

If this has been useful to you, please click on the scales at bottom left of post. Thanks.

 

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  • 1 year later...

hello everyone!

obviously most people on or have heard of this site had encountered some problems i'm no exception will post mine later today but for now

thank you all for being there and look forwars to posting later,:)

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Hi and welcome to the site BBB.:)

Just shout if you need any help navigating the site.

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Have moved your thread here.

I think we need a little more information here but from what you say it looks like there are breaches both in OFT guidelines on debt collection and maybe the Consumer credit act too.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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  • 4 months later...

Hi everyone can some one give me some advice i recieved a final demand a few weeks ago from buchananclark+wells saying i had a outstanding debt of 917 pounds to a scotcall limited that i have never heard of , and i know i dont have any debt. So i wrote to them saying that i would like evidence that i owe this money and who scotcall is. But i recieved another letter this morning saying they are taking me to court,this is worrying me sick i dont know what else to do, can anyone advise me please

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Hi to all,

Just found this website when searching for help about a supposed debt, hopefully someone can help me to get this sorted peacefully, my wife has just recieved a letter through the post to her old name saying "important information contact us immediately and quote ref no ***** upon not knowing what it was about she phoned the number and was asked if her name was ***** she said it was then they asked did she used to live at ******* my wife said who are they and what was this about to be given the reply if you answer the question they would tell her she then hung up. My wife is not sure what this is about maybe a storecard or something she honestly cannot remember. She moved from the house approx 9-10 years ago . upon checking the letter head on the internet it is a debt recovery agent any advice from anyone ? are we now to expect bailliffs? I have been married to my wife for 7 years and know nothing of this supposed debt so there would be trouble if bailliffs try and take some of my things believe me ,is this still enforcable etc.what are my rights in protecting my property, thanking you in anticipation

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Hi Chrissue and Paula5650

 

Welcome to the CAg, to ensure you both get the help you need its best to start your own threads in the relevant forum, for of you it would be the Debt collection forum on this link

 

http://www.consumeractiongroup.co.uk/forum/#black-consumer-forums-center

PGH7447

 

 

Getting There Slowly

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Advice is given freely but is in no way meant to be taken as Gospel:-)

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Hi everyone can some one give me some advice i recieved a final demand a few weeks ago from buchananclark+wells saying i had a outstanding debt of 917 pounds to a scotcall limited that i have never heard of , and i know i dont have any debt. So i wrote to them saying that i would like evidence that i owe this money and who scotcall is. But i recieved another letter this morning saying they are taking me to court,this is worrying me sick i dont know what else to do, can anyone advise me please

 

Paula a quick heads up on this try sending this letter amended to suit

 

You have contacted me/us regarding the account with the above reference number, which you claim is owed by myself/ourselves.

 

I/we would point out that I/we have no knowledge of any such debt being owed to (insert company name).

 

I am/we are familiar with the Office of Fair Trading Debt Collection Guidance which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.

 

I/we would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

 

Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

 

Yours faithfully

 

Edit to suit and don't forget, print your name, don't sign it

 

 

If they say you are being taken to court what letter did they send, can you post it in a new thread so people can judge it for themselves.

PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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Hi to all,

Just found this website when searching for help about a supposed debt, hopefully someone can help me to get this sorted peacefully, my wife has just recieved a letter through the post to her old name saying "important information contact us immediately and quote ref no ***** upon not knowing what it was about she phoned the number and was asked if her name was ***** she said it was then they asked did she used to live at ******* my wife said who are they and what was this about to be given the reply if you answer the question they would tell her she then hung up. My wife is not sure what this is about maybe a storecard or something she honestly cannot remember. She moved from the house approx 9-10 years ago . upon checking the letter head on the internet it is a debt recovery agent any advice from anyone ? are we now to expect bailliffs? I have been married to my wife for 7 years and know nothing of this supposed debt so there would be trouble if bailliffs try and take some of my things believe me ,is this still enforcable etc.what are my rights in protecting my property, thanking you in anticipation

 

If the debt is from 9-10 years ago and unless it was a mortgage then it is more than probably statute barred, so this was probably just a phising trip, some DCA's send out these cards in the hope someone will reply and capitulate, just ignore them, if they get in touch by phone tell them in writing only, never answer the security details

PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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