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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
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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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Have You Had Dealings With Bryan Carter & Co


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Not sure this has been covered elsewhere, but here goes.

My daughters ex partner has been running up bills in her name for some time, and once we have been notified of them we have managed to resolve the issues with the companies concerned.

Today I received a letter from Bryan Carter; addressed to my daughter, stating that she had been tracked down to my address and would she contact them. (My daughter has not lived here for 8 years.)

I rang Carter to ask them what it was about and to inform them my daughter does not live here. I agreed that I would get my daughter to contact them.

My daughter rang them, and as expected it relates to debts taken out in my daughters name after she had left her partners property. Despite explaining the situation Carter said they have been through the courts and requested that she gave them her address so they could inform the bailiffs. My daughter declined to give them her address and Carter then informed her that in that case bailiffs would be instructed to recover the debt from my property. Carter also refused to give her any information with regard to any court procedings.

I was going to ring Carter to clarify things but on reading the reports on here, decided not to.

Where should I go from here?

Thanks

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I would report them to everyone i could think of.

 

Trading Standards

OFT

SRA

Police?? after all it is nothing to do with you and they have threatened to remove your possessions !!!

 

He will not have a proper judgement either as your daughter was not served with the claim (IF IT HAS EVEN BEEN TO COURT THAT IS)

If you find my advice helpful - please click on my scales

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I would also, separately get your daughter to report them to everyone as well. You have 2 different complaints here

:x

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Not sure this has been covered elsewhere, but here goes.

My daughters ex partner has been running up bills in her name for some time, and once we have been notified of them we have managed to resolve the issues with the companies concerned.

Today I received a letter from Bryan Carter; addressed to my daughter, stating that she had been tracked down to my address and would she contact them. (My daughter has not lived here for 8 years.)

I rang Carter to ask them what it was about and to inform them my daughter does not live here. I agreed that I would get my daughter to contact them.

My daughter rang them, and as expected it relates to debts taken out in my daughters name after she had left her partners property. Despite explaining the situation Carter said they have been through the courts and requested that she gave them her address so they could inform the bailiffs. My daughter declined to give them her address and Carter then informed her that in that case bailiffs would be instructed to recover the debt from my property. Carter also refused to give her any information with regard to any court procedings.

I was going to ring Carter to clarify things but on reading the reports on here, decided not to.

Where should I go from here?

Thanks

 

You have nothing to do with any alleged credit agreement...This is harrassment...and unfounded threats against you...I second gh2008's advice......REPORT HIM!!!

 

I HAVE!!!

 

Send them this letter at this link

 

http://www.debtwizard.com/index.php?option=com_content&view=article&id=122:harassment&catid=134&Itemid=51

 

m2ae

Edited by means2anend
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Thanks Guys,

Latest developments. My daughter rang the police and as expected they are not interested. They informed her that if as stated her ex has commited a crime, and the 'crime' is against someone else (in this case Littlewoods) that is nothing to do with her. She then rang Littlewoods who said that the debt is no longer theirs and they have passed it on to 'Phoenix'? They did confirm the date of the loan and when my daughter informed them that she was living elsewhere at the time they informed her that it is up to her to prove that.

Concurrently my daughter did contact Carter and they have supplied her with a court case number. After explaining the situation the court informed her that they would send out a form for her to fill in.

Our intention now; subject to any differing advice on here, is to find any documentation that would prove my daughter was not living at that address, and await the form from the courts.

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Now that you have mentioned Phoenix ... nothing surprises me.

 

I would advise you daughter to have one of those free 1/2 hour consultations with a local solicitor as well.

 

Also report to SRA - both of you - that is the formal route for reporting.

We all know the Police would not be interested (although they might if teh bailiff threat was made to you..) but the fact that they were informed is good.

 

IMHO as your daughter now has a CCJ against her, I think she may need to apply for a set aside

Once you have that and you 100% will get it BC & Phoenix will disappear AND you will get your costs back off him as well if you play along.

If you find my advice helpful - please click on my scales

<<<<<< - they're over there!

Well, it's a funny black star now ...

The small print - any advice I give is freely given on the understanding that I am a layman and am not legally qualified in anyway.

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  • 4 weeks later...

Hi All,

Was just treading this thread as I currently have Fredricksons chasing me and I am TOTALLY SHOCKED to read that CCJ's can be issued so easily!

How can a CCJ get issued against a debtor without the debtor's knowledge?

Surely the debtor has a right to defend against this, don't they?

Are there any warnings given before a CCJ get issued?

This trend has really spooked me!

If the debt is unenforcable (no CCA etc.) how on earth can a CCJ be issued?

 

RI

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I'm really cheesed off about this too RI, recently found out a CCJ for £550 was registered against me at my old address (3 years since I left) by my (ex) payroll company who claimed they overpaid me. No paperwork received, default judgment inc extra £300+ added and now it's going to cost me £75 off the top simply to apply for a set aside.

The whole Northampton Bulk setup stinks (IMO).

I'm easy to find, linked on the electoral role, registered with all the CRA's with linked addresses, in the phone book (same number), same mob number for 10 years, same business address for 15 years, etc. etc.

 

It's a good earner I reckon for the Courts lot's of fees they would otherwise never get and only default judgments with none of the hard work involved.:mad2:

As of 03/03/12 please do not under any circumstances wait for my further input or guidance on any current thread or defence of a court claim I might have been involved in on or through Cag.

Jasper1965

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One way of PROVING they knew you were at another address when the judgement was issued at the old address is to do a credit check on yourself, it will show the company involved checking you, the solicitors ought to check you as well... if these searches are there you can use them in your defence.

 

Sadly it is a 'common' practice for the 'solicitors for rent' as I like to call them to issue court papers to an old address then when they get judgement by default as you don't defend they issue the judgement at your current address.

 

I believe a major change in court claims is needed in that if nobody turns up on either side for a hearing the claim is automatically thrown out. This would stop the 'solicitors for rent' in their tracks.

 

Also it is now costing them to get local solicitors to go to court on their behalf so their profit margins are being hammered.....

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