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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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Are you being harassed on the telephone by your bank or by debt collectors?


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Hahaha... Unreal, you really think they (the collectors on the other end of the phone) 'hate it'. As if. You're living in an imaginary world - I'm sure most collectors go home at the end of the day and have a life and forget about their day (and probably have a bit of a laugh when they get verbal from some lowlife), rather than go home and type religiously on forums day-in day-out such as you GodMother.

 

Don't mind me, I just thought I'd see how all you lovely people were getting along - I'm off again for a while, probably to spend some money. KEEP GOING DCAs... Apparently, if the Banks lose the charges court case, customers who don't get into debt might not be entitled to 'free banking' and will instead be charged for standard current accounts. Seeing as only 3% of customers' accounts fall into collections, it doesn't really seem fair that the majority of those who do pay and manage to gain employment and not spend their week's doll money on wide screen televisions and family outings to McDonalds, should be penalised for that 3%.

 

Ciao you lot

 

Personally I laughed when I read this one... she / he has made a point about DCA employees having a life... and the fact they don't worry about work after leaving, this one has clearly proven in what she has typed that’s not the case... enough said.

As regarding doll checks, well, erm... longest unemployment I have ever had was 4 weeks and that was because I had employer who spat his dummy out because I handed him a months notice and he decided to 'relief' me of my duties there and then, but it did cost him 4 weeks wages though :p.

Unlike the DAC (EB) who posted here, she works for someone, however I own my own business so please, before posting unevaluated assumption, think about how uneducated your post actually looks to those who will be reading it J

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Oh dear it looks like we have a troll again

If referring to me, then I feel you need to expand a little. If you disagree with any of my points, by all means feel free to point it out and I'll respond. But to be fair, I'm just trying to put a different perspective across, I think some of the advice on this site is excellent... some of it however is very poor, and quite frankly quite petty. Adopting an 'us and them' attitude really doesn't help anyone, creditor or debtor, and by suggesting people adopt this view, cease communication and refuse to pay will only box the debtor into a corner.

Edited by Deshaine
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I think the members on here are wise enough to know whats right and whats wrong. The overwhelming majority of people who have had the misfortune to attempt to 'reason' with a DCA on the telephone have realised what sort of people they end up dealing with. People who are prepared to use every trick, deceit, bullying and downright lies to coerce someone into paying money off an ALLEGED debt wher 99 time out of 100 the greedy DCA cannot enforce it anyway.

 

The best advice is NEVER SPEAK TO A DCA ON THE PHONE. Keep a paper trail of every dealing with them by insisting that ALL contact is in writing.

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If you know your industry so well....come on tell us who are regarded as the 'cowboys' and tell us who are the good ones....it happens in every industry, I know how good/bad my competitors are...so give your opinion on who are regarded as the cream and those who are regarded as being Mickey Mouse outfits ?

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

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IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

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:sigh: There are in the region of over 400 independent DCA's operating in the UK, plus all of the inhouse ones on top (many banks have their own dedicated DCA's as I imagine most of you know).

 

It's inevitable some will operate unethically and even in some cases break the law, I completely agree it happens. But what I AM saying is it isn't all of them, and certainly not all of the agents who work for DCA's lie, and I think it's fairly ignorant and ridiculous of yourself to suggest it. In fact, I think you'd be suprised at the quality of some of the peole who work within the collections industry, a job which pretty much is a thankless one. I thought perhaps an adult dicussion could be had on the subject, but apparently not.

 

On the other hand, I'm more than happy to offer any advice to anyone who feels they are being mistreated by a DCA/Creditor. The system isn't perfect, and it is important there is an effective complaint mechanism and way of getting free advice. And I think that can be done without having to resort to calling anyone names, thank you.

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If you know your industry so well....come on tell us who are regarded as the 'cowboys' and tell us who are the good ones....it happens in every industry, I know how good/bad my competitors are...so give your opinion on who are regarded as the cream and those who are regarded as being Mickey Mouse outfits ?

I agree and if you are so proud of the ethical way your company operates then plese dont be ashamed to tell us their name. Im sure its definately not based in Leeds anyway:lol:

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Come on tell us who the good ones and the bad ones are....?

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - 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.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

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I think the members on here are wise enough to know whats right and whats wrong. The overwhelming majority of people who have had the misfortune to attempt to 'reason' with a DCA on the telephone have realised what sort of people they end up dealing with. People who are prepared to use every trick, deceit, bullying and downright lies to coerce someone into paying money off an ALLEGED debt wher 99 time out of 100 the greedy DCA cannot enforce it anyway.

 

The best advice is NEVER SPEAK TO A DCA ON THE PHONE. Keep a paper trail of every dealing with them by insisting that ALL contact is in writing.

 

 

'Alleged' is a good word ODC, I am referring to genuine debt. And by the way, 99/100 is a completely false figure, as I'm sure you well know. Every day, up and down the country, CCJ's are granted in favour of creditor's with a view to obtaining Charges and Attachment/Arrestment o Earnings.

 

I think the key point is, if an debt is disputed, by all means fight, or if a DCA is opperating outside of the law, then report it, record the calls and take it as far as you can.

 

But it completely devalues all destroys all this hard work when people who can, and should pay their debt seek to use legal (and sometimes not legal) loopholes to try to prevent them having to pay their debt.

 

The fact is, since the tightening up of financial legislation, and more and more cases of disputed debt, credit agreements will be retained by creditors, and if you have signed for it, you owe it. Failure to adequately communicate with creditors (phone or post) may lead to adverse credit and litigation - and by the way, this isn't what the creditors want, all they want is for you to make adequate provisions to pay your outstanding debt.

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I agree and if you are so proud of the ethical way your company operates then plese dont be ashamed to tell us their name. Im sure its definately not based in Leeds anyway:lol:

 

Lol, we aren't based in Leeds, but I can't say who I work for for very obvious reasons! I'm not going to bleat on about this, I'm on this site for a couple of reasons I'm happy to admit, 1) Research - it is my chosen field, and I am also a complaint handler, so it's important to see what is happening across the debt portfolio and how customers are being treated.

2) To help - I'm more than happy to provide any advice I can, though I cannot be either company or individual specific or give any advice into which I am otherwise involved.

 

As a side note, there is no mention of the DCA I am employed by anywheer on this site, which I must admit is a relief!

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Are you still at work ?

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - 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.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

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Hello All!

 

Back to the point of the Thread...

 

Now I see we're being Harassed on CAG as well as via the Telephone!

 

Hopefully a Mod will pull the plug on this Troll and clean up the nasty stain that's just appeared on my Computer Screen.

 

If I hear the words Debt, Pay what you Owe, Debt, Genuine Debt, Debt, Hard Working DCA, Debt, Sign for It so you Owe it, Debt, Debt Portfolio I will projectile barf...

 

There is a war on, and this Debtor is not taking any prisioners.

 

Rember the golden rule: if you see a good DCA, shoot it, quick, before it goes bad.

 

Cheers,

BRW

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Hello All!

 

Back to the point of the Thread...

 

Now I see we're being Harassed on CAG as well as via the Telephone!

 

Hopefully a Mod will pull the plug on this Troll and clean up the nasty stain that's just appeared on my Computer Screen.

 

If I hear the words Debt, Pay what you Owe, Debt, Genuine Debt, Debt, Hard Working DCA, Debt, Sign for It so you Owe it, Debt, Debt Portfolio I will projectile barf...

 

There is a war on, and this Debtor is not taking any prisioners.

 

Rember the golden rule: if you see a good DCA, shoot it, quick, before it goes bad.

 

Cheers,

BRW

 

 

u know the best one i have found is fall asleep on them and snore very loudly down he phone.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Lol, we aren't based in Leeds, but I can't say who I work for for very obvious reasons! I'm not going to bleat on about this, I'm on this site for a couple of reasons I'm happy to admit, 1) Research - it is my chosen field, and I am also a complaint handler, so it's important to see what is happening across the debt portfolio and how customers are being treated.

2) To help - I'm more than happy to provide any advice I can, though I cannot be either company or individual specific or give any advice into which I am otherwise involved.

 

As a side note, there is no mention of the DCA I am employed by anywheer on this site, which I must admit is a relief!

 

 

u say that some DCAs dont act within the law. Well how about this one then.

 

last year about november time on one saturday morning at about 6.30 am i had a thumping on the door and a luton van reversing on to the land outside my property.

 

Looked out of my bedroom window to find out what the hell was going on and found a dca.

 

Demanded to know why they felt it was fine to disturb the whole neighbourhood at 6.30 am and was very rudly insalted.

 

this is how the convo went.

 

Idiot:- Mr ************ i am here to collect your property as you have not paid the debt to ********** that you owe. We have wrote to you but you have ignored us.

Me:- Mr ********** moved out in june of 2005 and my partner and l have lived here since August 2005 so please leave.

Idiot:- Would you please let us in so we can remove your property until you provide proof that you are the legal owners of the property and the legal owners of this property.

Me:- No l wont let u in and no u will not be removing any property from this property as you have no legal powers to do that as you have been informed the debtor does not live here.

Idiot:- Look Mr ******** if you dont open the door we will break it down.

Me:- Oh good my dogs need there breakfast have not been fed u see due to it being b4 8 am.

Idiot:- CAll the dog vans we may need a few as we will need to take dogs to.

Me:- If you dont get off my premises i will call the police.

Idiot:- Thats ok if u want to waste police time then feel free u have to understand the law is on my side.

Me:- ****** pass me my phone. quick call to police explaining i needed police assitance as a dca was trying to break in to my home for a debt that belongs to the previous tenant who have not lived here since june 2005 and threatening to remove my property and my dogs.

Asked tehm to leave whilest on the phone to police and they refused advising me i would get a bill from the police for wasting thee time.

10 minutes later pc plod a riot van and the inspector on duty turns up let in the PC and inspector giving them my details and proof of details and proof of tenancy.

The Pc then went and spoke to the idiot who gave him paperwork to check over with me regarding the previous tenents name etc.

I took down the details of the DCA and the police advised them to remove them selves of the property as they were happy the person who they are looking for was not the LADY that lives here.

DCA got in there vans, buy this time 2 DCA dog vans were on near the premises as well and left.

Police advised any more problem to call 999 and advise them what was going on again.

Wrote to DCA never got an aploogy or any type of comunication from them.

 

They got a bill from the council for digging up the posts on the grass out side the property so they could reverse the truck on to the grass this bill still needs paying.

 

needless to say they have not been back but the debt must have been sold on as i have recieved mail from other dcas for the guy.

 

 

Your comments please.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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You wanted an adult discussion, so answer the Godmother.

 

The DCA is Not on line ATM and in no rush for the answer.

 

I know they broke the law especially when they said they wanted to remove my property and the Dogs now that would have been funny.

 

Anyway connif how are u?

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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both are soundo.

 

not long now it i hvae the next one just 4 long and boring weeks need to keep myself busy but dont have enough to cover 4 weeks of work.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Did you get your refund from the tv auction company in the end? I'm afraid I lost track of your thread.

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Your completely right Godmother- The bailiff has no powers whatsoever to enter your property forcefully unless you have already, previously, allowed them entry in order to catalogue your posessions for removal.

 

This could soon change however, with proposed legislation to increase baliffs powers.

 

Its unnacceptable that you haven't had at the very least an apology.

 

And to the contrary Banker, I'm certainly not harrasing anyone on here. If anyone has any genuine questions, feel free to ask.

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Hello GodMother!

 

u know the best one i have found is fall asleep on them and snore very loudly down he phone.

 

I'll never get that chance because, when it comes to bankers and jolly old me, the Telephone was never invented.

 

I do, however, have a plastic box that makes a noise about 25 times a Day, and that deals with them for me. It records their snarly adenoidal whingeing voices staright onto Disc and then CD-ROM.

 

I do pity the poor Judge that will have to listen to them all!

 

Cheers,

BRW

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Your completely right Godmother- The bailiff has no powers whatsoever to enter your property forcefully unless you have already, previously, allowed them entry in order to catalogue your posessions for removal.

 

.

Apparently according to the post it was a DCA who tried to enter the property to remove goods not baliffs. As we all know DCAs are nobodies. They have NO LEGAL POWER whatsoever.

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Our entire credit system is built on the assumption that what is loaned will be repaid (with relevant margins for write-offs etc..), Hmmm... and if it couldn't be re-paid at the level that a creditor wanted, then that creditor regularly took the option to sell the debt off to a third party (whether legally or not), who having bought it for peanuts, then saw it as an opportunity to make a fast buck. :rolleyes:

 

Also, talk to the DCAs, do it in writing where necessary, but come up with a realistic payment plan for the debt. Don't just offer £1.00 if you know you can pay more than that, or because you heard on this forum that they'll accept it. If it's genuine hardship, and nothing can be paid, then seek some financial advice - Bankruptcy and IVA may be an option. :eek:

 

Oh puh-lease... :rolleyes:

 

 

In defence of what you're saying, not all DCAs I've been in contact with have been outright nasty. However, it remains a dirty industry.... which isn't helped by naff advice from people like you telling folk to consider bankruptcy or IVAs just so that you can get your money quicker.

 

You'll have a tough job arguing your point on these boards, but feel free to respond if you wish.

 

:)

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In defence of what you're saying, not all DCAs I've been in contact with have been outright nasty. However, it remains a dirty industry.... which isn't helped by naff advice from people like you telling folk to consider bankruptcy or IVAs just so that you can get your money quicker.

 

You'll have a tough job arguing your point on these boards, but feel free to respond if you wish.

 

:)

 

Actually, I never suggested IVA/Bankruptcy, I said they were an option. Particulary IVA's, which are an excellent tool for those heavily in debt, which was the reason why they were intoduced in the 1st place. DCA's do not generally benefit from people entering into an IVA/Bankruptcy, its far better for the debt to be paid in full via a payment arrangement - but I'm certainly not going to argue about it.

Edited by Deshaine
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