Jump to content

  • Tweets

  • Posts

  • Our picks

    • 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.
       
        • Thanks
      • 3 replies
    • 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!
        • Thanks
        • Like

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


Please note that this topic has not had any new posts for the last 3838 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Why should you never use your real signature to a DCA?

 

Hello,

 

With computers it is easy to copy and paste things ....... so let us take a hypothetical instance....

 

Let us say a chap did a request to "company A" for an agreement from years ago..

The agreement has been destroyed by "company A" many years past ...

But with a copy of a signature and a computer perhaps "company A" could "make" an agreement and then say it was the original ...

 

Not that they would of course .... because that would be illegal.8)

 

 

Onwards and Upwards

 

Chalkitup

Link to post
Share on other sites
  • Replies 722
  • Created
  • Last Reply

Top Posters In This Topic

Hello,

 

With computers it is easy to copy and paste things ....... so let us take a hypothetical instance....

 

Let us say a chap did a request to "company A" for an agreement from years ago..

The agreement has been destroyed by "company A" many years past ...

But with a copy of a signature and a computer perhaps "company A" could "make" an agreement and then say it was the original ...

 

Not that they would of course .... because that would be illegal.8)

 

 

Onwards and Upwards

 

Chalkitup

 

Right with you now!

Regards

Kieran

_______________________________________

Harassment Complaints Ongoing

Sky Card

Capital One Bank (Europe) plc

 

Harassment Complaints Won

Mercers Debt Collections Ltd

Nationwide Debt Recovery (NDR)

The Royal Bank of Scotland plc

Link to post
Share on other sites

Has anyone any idea how to proceed witha harrasment case through the court? I have had an ongoing battle with Cap One since 2007 and now they have sent debt to Debitas, even though they now the account is in dispute and that i have made a claim for charges. I have a call log of 5 months showing all calls from them, sometimes 4-5 a day. Any advice will be very welcome. Thanks.

Link to post
Share on other sites

Hi, this is my first post on the forum, so not sure if this is the right place, but here we go.

I have just received a letter from red debt collection services, chasing a debt for a mobile phone company.

I did take out a contract with the phone company about 5 years ago, but took the phone back the next day for a number of reasons and asked to cancel my contract.

A month later I received a bill from the company, so I rang up and explained that I had cancelled my contract. They seemed to accept this and said they would amend my records, but a month later I received another bill. I again called up, explained the situation, and they said everything was ok.

 

That was the last I heard before this letter saying I owe just under a hundred pounds. I have the money to pay, but don't feel the debt is mine. However I no longer have any letters to prove my side of the story.

I spoke to red, who say the debt is now theirs and they will start legal proceedings if I refuse to pay.

What is the best way to handle this?

Link to post
Share on other sites

start a thread on the debt collection forums as u will get more help there. But i will say send them a prove it letter

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!!'.

Link to post
Share on other sites

Hi, I have had one of my debts passed on to a dca, who phoned me up and left a message on fone saying that I had 48 hours to call them, what are they doing and how should I respond to them.

Will they be coming round my house next....?

Any help would be appreciated.

Link to post
Share on other sites

Say the calls are being recorded for training purposes say what they say to that lol

"The only thing that interferes with my learning is my education." Albert Einstein

 

"No-one can make you feel inferior without your consent" - E. Roosevelt

 

 

Don't lie, thieve, cheat or steal. The Government do not like the competition.

 

 

All advice is offered without prejudice.

We are being sued for Libel. Please help us by donating

 

Please support the pettition to remove Gordon Brown as he was not elected primeinister. He was elected Party Leader something completely different.

 

http://petitions.pm.gov.uk/gordan-brown/

Link to post
Share on other sites

tahats a good one JC.

 

Yes u can tell them what u like but here are a few golden rules.

 

1 NEVER EVER EVER PHONE THEM. UNLESS THE CALL IS BEING RECORDED BY U.

2 IF THEY RING RECORDED THE CALL. IF YOU CANT RECORDED THEN REFUSE TO GO THREW THE SECURITY QUESTION.

3 SAY ACCOUNT IN DISPUTE WRITE TO ME. THEY HATE THAT REPEAT AS MAY TIMES PER PHONE CALL AS U LIKE. THEY WILL GET BORD AND HANG UP.

4 IF THEY CANT WRITE TO U THEN TELL THEM U WILL NOT COMMUNICATE WITH THEM. qUOTE OFT GUIDLESLINE IF THEY SAY WHY SHOULD WE.

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!!'.

Link to post
Share on other sites

Hello "Pay your debts people"!

 

Is that Troll I can smell?

 

And which bank or Debt Collecting Agency do you work for then, exactly?

 

Please take your small mind and matching intellect elsewhere, as they have no place on this Forum.

 

Many vulnerable people need help here. The last thing they need is to be hassled on this Thread by the gaping pie hole of the Debt Industry spouting out the party line.

 

Cheers,

BRW

Link to post
Share on other sites
Guest Pay your debts people

Well why not call the DCA's or the banks and explain to them that you are having difficulties paying rather than sitting on here boasting about how rude you are to staff who work at these places and which letters to send and how to avoid paying your debt. its pathetic to be honest.

Link to post
Share on other sites
its pathetic to be honest.

 

I was going to thank you for your insightful, intellectual contribution, even though it appears to have been made in complete ignorance of the way in which financial institutions and their parasites work. Then I realised that it is better not to feed trolls.

Link to post
Share on other sites
Well why not call the DCA's or the banks and explain to them that you are having difficulties paying rather than sitting on here boasting about how rude you are to staff who work at these places and which letters to send and how to avoid paying your debt. its pathetic to be honest.

Dont you think that people dont already try that??

 

Reality check time!!!!

 

when most people call a DCA or a bank they get pressured into paying such large inflated sums or making guarantees that they simply cannot make rather than the dca or bank acting reasonably

 

In any case, i would just like to point out to you something which clearly took off from Heathrow and flew right over your head

 

In the Court of Appeal, Sir Andrew Morritt delivered his judgment in Wilson & FCT, he stated that

“In effect, the creditor--by failing to ensure that he obtained a document signed by the debtor which contained all the prescribed terms--must (in the light of the provisions in ss 65(1) and 127(3) of the 1974 Act) be taken to have made a voluntary disposition, or gift,of the loan moneys to the debtor. The creditor had chosen to part with the moneys in circumstances in which it was never entitled to have them repaid;”

 

SO its not avoiding you debts if the Creditor fails to comply with the law, far from it, infact the bank or DCA is just being kind and giving away its money and that is not my opinion IT IS LAW!!!

Link to post
Share on other sites
Guest Pay your debts people

SO its not avoiding you debts if the Creditor fails to comply with the law, far from it, infact the bank or DCA is just being kind and giving away its money and that is not my opinion IT IS LAW!!!

 

 

Well why take out the money if you have no intention of paying it back? that amounts to theft in my opinion.

 

No bank want an account to go to a DCA and it only goes there when the bank have exhausted all avenues open to them to collect on. Therefore if your account is with a DCA then you have already ignored or led the bank on for a while.

 

I have worked for both a DCA and a bank and i have also taken out finance. From a DCA/Bank point of view we want to get customers back on track but there is a small percentage of people who just have no intention of paying their debt back and we know this, we just accept it and act accordingly i.e legal action etc.

 

From a consumer point of view i have had difficult months where i've missed a few payments but have called my credit companys and sorted it out, i've never came on here and left comments having a go at DCA's for my own shortcomings. I think a lot of the people on here should have a good look in the mirror before they post their threads. And the next time you put the news on and see a headline about the "credit crunch" give yourself a pat on the back and say "great, i helped bring about that".

Link to post
Share on other sites

Not paying your debts is not theft as its not a criminal offence.

How can this be theft?

 

OK being in the same position as the OP in post 591 I wonder why he did not know this.

 

So youre now saying that it is lawful for a DCA to send a request for payment under a contract the DCA has no lawful right to collect is infact lawful? Is this so or are you just wasteing time and valuable bytes on cag?

"The only thing that interferes with my learning is my education." Albert Einstein

 

"No-one can make you feel inferior without your consent" - E. Roosevelt

 

 

Don't lie, thieve, cheat or steal. The Government do not like the competition.

 

 

All advice is offered without prejudice.

We are being sued for Libel. Please help us by donating

 

Please support the pettition to remove Gordon Brown as he was not elected primeinister. He was elected Party Leader something completely different.

 

http://petitions.pm.gov.uk/gordan-brown/

Link to post
Share on other sites
Guest Pay your debts people

Josh iou how about you read my post before replying to it. I said taking out finance without any intention of paying it back AMOUNTS to theft in my, and the majority of honest peoples opinion, i did NOT say it was illegal. It is similar to going to a petrol station, filling your car up with petrol with no intention of paying, and driving off again. Unfortunately government legislation isn't tight enough on people like you.

 

Rather than trying to pick holes in my threads, why don't you give me a valid reason as to why you arent paying your debts, and i bet you have more default accounts than you do excuses.

Link to post
Share on other sites

Its not a criminal offence so how is it theft?

"The only thing that interferes with my learning is my education." Albert Einstein

 

"No-one can make you feel inferior without your consent" - E. Roosevelt

 

 

Don't lie, thieve, cheat or steal. The Government do not like the competition.

 

 

All advice is offered without prejudice.

We are being sued for Libel. Please help us by donating

 

Please support the pettition to remove Gordon Brown as he was not elected primeinister. He was elected Party Leader something completely different.

 

http://petitions.pm.gov.uk/gordan-brown/

Link to post
Share on other sites
Guest Pay your debts people

It amounts to theft. not in the eyes of the law but it does amount to theft. The fact your asking that question shows your mentality.

Link to post
Share on other sites

I typed in a dca name and this site came up a while ago. This site told me what vulnerable and frightened people caught by things that just happen in life experience at the hand of dca's is not supposed to be the norm within consumer law. When on your own you plead your case that you want to pay it back but at a rate you have a hope of eating on and they push for more. They ring at all hours untill you find from here there are rules of harassment.

In my opinion lenders are stupidly alienating the people they profess to help when things as I say happen by pushing the dcas down the mouths of stressed people thinking they are on their own. People trying to get by feel guilty enough but dont need their souls sucked from within like in a scene from the mummy.

Moral if dcas treat us like poop when doing our best to sort things out, we have to fight back and this site teaches us our rights by law. If certain trolls feel uncomfortable with us learning the law perhaps they should shuffle back and abide by it also and be more human and help as they so like to profess they do. A cynic might think from experiene on mass that they actually prefer talking like a pile of something brown and steaming, but they could always prove me wrong, wheres my cca?

Link to post
Share on other sites

Theft is a criminal offence.

This is not.

Is there any reason why you signed up to this forum other than to bother people? I wonder if thats why you worked for a DCA.

"The only thing that interferes with my learning is my education." Albert Einstein

 

"No-one can make you feel inferior without your consent" - E. Roosevelt

 

 

Don't lie, thieve, cheat or steal. The Government do not like the competition.

 

 

All advice is offered without prejudice.

We are being sued for Libel. Please help us by donating

 

Please support the pettition to remove Gordon Brown as he was not elected primeinister. He was elected Party Leader something completely different.

 

http://petitions.pm.gov.uk/gordan-brown/

Link to post
Share on other sites
Guest Pay your debts people

So Josh, you admit you take out credit with no intention of paying it back. Give yourself a big pat on the back, what a guy!!

 

Maybe now the other people on this site can see the type of people that DCA's have to deal with on a day to day basis.

 

Anyone who is genuinely having problems and a calls us we should always try and help, and i'm sorry if some don't. But we deal with people like Josh on a daily basis and we tend to tar everyone with the same brush.

Link to post
Share on other sites

Ive never once been given a loan.

And if you no how a loan works or how you qualify for a one youd understand why i havent been able to get a one.

 

 

So youre saying you harras disabled people on a daily baisis for debts that arent lawfuly enforceable is this right?

"The only thing that interferes with my learning is my education." Albert Einstein

 

"No-one can make you feel inferior without your consent" - E. Roosevelt

 

 

Don't lie, thieve, cheat or steal. The Government do not like the competition.

 

 

All advice is offered without prejudice.

We are being sued for Libel. Please help us by donating

 

Please support the pettition to remove Gordon Brown as he was not elected primeinister. He was elected Party Leader something completely different.

 

http://petitions.pm.gov.uk/gordan-brown/

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...