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    • Its just come to my attention that a friend has been getting pressure from a company called ACT credit management. They are collecting a debt on behalf of a service provider.  My friend has been pressured to pay far more than they can afford and I've suggested that they request an income and expenditure form. This has been sent but insists on evidence for all about goings. Bank statements etc. Can they legally insist on this evidence.   I'd also like to know if it reasonable to request details of the debt. it wasn't  credit agreement it was for an essential service that should have been paid when the invoice was presented. I'm not convinced that the original cost was fair.    Thanks in advance
    • Sorry, but we need to see the entire claim form in PDF. Scanned. I'm particularly interested to see the description of the parties. Also, I notice that you said that you would provide further details of your claim. This was unnecessary – and probably you shouldn't have done it. Have you sent them something now?
    • Its new Premium account costs £15 a month and comes with features including phone and travel insurance. View the full article
    • and here is the Hermes response:   Intention I intend to defend all of this claim   Signed I am the Defendant REDACTED Hermes Legal Department 19/10/2020
    • Here is my claim:   Particulars of Claim I posted the Item at a collection point which I was provided the following tracking number: REDACTED The tracking did not update past the point it was collected from this shop, and I had flagged this up from the 6th. PackLink have offered compensation amounting to £25 which I have refused. They do agree that the parcel is indeed lost, but are not willing to payout the value of which the item sold for. PackLink have refunded me the cost of the label which amounted to £7.08 There is a packlink reference number for this case, which is: REDACTED In essence, PackLink admit they are at fault, but are not willing to compensate me for the full value of the item at its sold price. I will provide the defendant with separate detailed particulars within 14 days after service of the claim form.   Details of claim Amount claimed£1,490.00 Court fee£70.00 Total amount£1,560.00
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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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Is My Agreement Enforceable - Useful


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The statutory fee is complete fraud. I will not pay it. Admiralty law does not require you to pay it at all and that is what I go by.

 

When sending letter send it recorded delivery and copy letters as proof.

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The statutory fee is complete fraud. I will not pay it. Admiralty law does not require you to pay it at all and that is what I go by.

 

When sending letter send it recorded delivery and copy letters as proof.

 

Eh! how does the Navy fit into this?

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The statutory fee is complete fraud. I will not pay it. Admiralty law does not require you to pay it at all and that is what I go by.

 

When sending letter send it recorded delivery and copy letters as proof.

 

you havn't been listening to "nuke em" by any chance have you?

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Sorry i think i have missed summing.

 

Now the Navy are involved with CCAs that is unless i have read summing wrong.

 

Pt do u have any idea what this guy is on about?

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Sorry i think i have missed summing.

 

Now the Navy are involved with CCAs that is unless i have read summing wrong.

 

Pt do u have any idea what this guy is on about?

 

 

I think he's on about the King's Shilling 000201C7.gif

 

 

 

 

 

 

between you and me of course......

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Originally Posted by andrewdm viewpost.gif

The statutory fee is complete fraud. I will not pay it. Admiralty law does not require you to pay it at all and that is what I go by.

 

When sending letter send it recorded delivery and copy letters as proof.

 

 

 

ouch..:eek: my head hurts now Ive wasted so much time looking at threads when all the time i just need to qoute the above to the CC:-o:-x:lol::lol::lol:

 

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Perhaps this guy is a sailor or works off shore? ;)

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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Why would one pay even one more dime just to fill their coffin some more. Even if you send them the pound whose to say they won't come up with another story. Also don't assume anything of another person unless you have complete facts about them. I'm just putting my two cents in is all. Sure somethings I need to read about more to understand but it's all a work in progress. I refuse to pay the pound fee. Show me copy of contract no if's, ands or buts!!!

 

It is their obligation to prove to you!

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please keep it civil.

 

 

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Sorry i think i have missed summing.

 

Now the Navy are involved with CCAs that is unless i have read summing wrong.

 

Pt do u have any idea what this guy is on about?

 

i think he missed the words LAMB and RUM out of the original quote

 

does that to you after the seventh one!!

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Why would one pay even one more dime just to fill their coffin some more. Even if you send them the pound whose to say they won't come up with another story. Also don't assume anything of another person unless you have complete facts about them. I'm just putting my two cents in is all. Sure somethings I need to read about more to understand but it's all a work in progress. I refuse to pay the pound fee. Show me copy of contract no if's, ands or buts!!!

 

It is their obligation to prove to you!

 

meanwhile...........back in the real world..........you have no right to demand copies of documents that you (should) have already been given a copy of and expect them to make and post copies to you for free.

 

where in the alternative argument does it say you are entitled to write anytime to anyone you do business with and demand- without cost to you that they do work over and above that contained in the contract?? how many times a week can you demand this?

 

the one pound is fixed as a contribution to assist those who might not be able to afford the true cost )probably nearer to 4 or 5 pounds) of providing this information

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Lateral thinking...

 

I had occasion to discuss SAR's with the ICO;

he/she seemed to be of the opinion that;

if a SAR is made without sending the £10 statutory fee,

that Request is still valid:

You have made your SAR.

 

The above converation was in relation to a FOI Request, that was turned in to a DPA Request;

I paid no stat. fee and I did receive some information.

 

Could this work in relation to a CCA Request?

 

Personally speaking, although I have sent £1's along with CCA Requests, I am always concerned/mindfull that the party, especially a DCA, could in fact credit the payment to the account;

some DCA's are notorious for doing this!

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I don't believe it matters if they credit the account with the £1 - more fool them. They are still bound by statute to supply the information you requested (and lose the £1)

Steven

 

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I don't believe it matters if they credit the account with the £1 - more fool them. They are still bound by statute to supply the information you requested (and lose the £1)

 

 

 

Yes, but it does matter if they attempt to re-start the clock.

 

Similar has recently happened when a £1 fee was sent to AIC, who applied the fee to the account.

 

I realise that DCA are not allowed to do this but they do.

 

AC

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I see, I think a court would give them a good going over for that

Steven

 

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Yes, but it does matter if they attempt to re-start the clock.

Why?

 

You can prove the £1 was sent for a CCA, you can prove they received it and cashed it and if they allocate that against the account so what.. You just need to remind them of their obligations and the requirements of s78.

 

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