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    • Thanks uncleB   One other question: Can a mortgagee in possession refuse to sell? And instead rent?   Or do they have legal obligation to sell?
    • It seems to me that you could probably apply for judgement on 30 October. However it's a good idea to keep on checking regularly to see if it is permitted before then. As soon as it allows you, do it.
    • Deemed service on a company is two days after issue. Deemed service on a litigant in person is five days after issue – unless something has changed. I've already said that proposing to send further particulars is generally speaking unnecessary and only complicates matters as you are finding out. However as you have indicated that you are sending further particulars, send them further particulars and simply state in the body of the particulars that you have nothing to add to the particulars of claim contained in the original claim form at this moment. Send that straightaway so that when you apply for judgement you can click the box and say that yes you have done that. It might not have been fatal not to have informed them that it was a laptop – but it is better that you did and the important thing is that they had been told of the item and of the value at the time that you entered into the delivery contract. I think that you will find that laptops are one of their prohibited items – along with almost everything else in the world
    • *Update* turns out Capquest bought the debt from Phoenix Recoveries. We now have a reference number for our solicitor to use. 
    • Ah I thought you meant in the actual MCOL claim, in the ebay listing yes, in the PackLink compensation claim yes as well, in the MCOL claim I made no mention aside from the value of the item.   and just an update:   I am able to request a judgement from the two separately.   The claim was issued on the 13th, plus 5 days and another 14 days = 1st Nov my guess (not accounting for business days)   This was also added:    
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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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Welcome Finance - This company needs to be banned.


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I've had a letter today offering a 30% discount settlement offer, saving quite a bit.

its tempting even though I don't actually know and can't work out what the actual balance should be as none of their statements balance.

 

 

Hmmm classic - sh*t there is something wrong with this lets give them an offer letter.

 

If you're tempted I'd be a bit more tempted to wirte back and say instead of knocking 30% off why don't we call it a 30% settlement and call it quits.

 

i.e 70% discount.

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We have disputed our account after no CCa but last friday we received a letter threatening legal action. They are desperate to collect in money and will disregard the rules to collect it in. They are just a bunch of dopey muppets with no knowledge of whats right and whats wrong.

 

I got another £25 unpaid DD letter - rang CRC and went nuts, apparently when I spoke with a CRC manager the other week surprise surprise they have not logged it on my account - I don't knid though I recorded it!!

 

Anyway after talking to a monkey for 20 minutes of her saying "not my fault, nothing we can do....interest and charges are still being added etc"

She then chirps up

"oh there's a note from compliance on March 10th - no collection activity is to be taken on this account and all charges and interest backdated to this date when judgement is recieved"

 

So account is definately on hold but I will still get automated letters and it registers on my credit file as it is all automated and to freeze the account fully would mean having to rewrite it again after the judgement.......

 

Hmmmm shall we see what the judge has to say about that??

 

IDIOTS!! :evil:

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We have disputed our account after no CCa but last friday we received a letter threatening legal action. They are desperate to collect in money and will disregard the rules to collect it in. They are just a bunch of dopey muppets with no knowledge of whats right and whats wrong.

Oh i got a nice threatning letter from them today "considering legal action" etc etc "we've been trying to contact you"...more lies !!!....Well ive just written back to them telling them straight, deal with my SAR answer the letters ive sent you (5 in total) and then possibly i might give them some loose change...but then again after the hell they have put me through the last two years...probably not !!

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good luck for tomorrow Andi!!!

ANYBODY WHO NEEDS INFO ON YOUR LEHMANS MORTGAGE

either SPML/PML/LMC/SPPL; the following are DIRECT tel#s,

of the investigating & prosecuting organisations: DONOT say you are from CAG-only directly affected or a concerned citizen.

 

1. Companies House: Kevin Hughes(Compliance Manager-main) @ 02920 380 633

2. CH : Lee Jenkins(prosecuting Amany Attia(MD) for SPML/PML) @ 02920 380 643

3. CH : Mark Youde(accounts compliance) @ 02920 380 955

 

4. Companies Investigation Branch(CIB) : Charlotte Allan @ 0207 596 6108

(part of the Insolvency Service) investigating all the Lehman lenders

 

5. CIB : Jeremy Pilcher('unofficial'-consumer/company lawyer) : @ 0207 637 6231

__________________

File YOUR 'Companies Investigation Branch'- CIB complaint online NOW!!!!

 

http://www.insolvency.gov.uk/complaintformcib.htm

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I got another £25 unpaid DD letter - rang CRC and went nuts, apparently when I spoke with a CRC manager the other week surprise surprise they have not logged it on my account - I don't knid though I recorded it!!

 

Anyway after talking to a monkey for 20 minutes of her saying "not my fault, nothing we can do....interest and charges are still being added etc"

She then chirps up

"oh there's a note from compliance on March 10th - no collection activity is to be taken on this account and all charges and interest backdated to this date when judgement is recieved"

 

So account is definately on hold but I will still get automated letters and it registers on my credit file as it is all automated and to freeze the account fully would mean having to rewrite it again after the judgement.......

 

Hmmmm shall we see what the judge has to say about that??

 

IDIOTS!! :evil:

 

They're talking rubbish Andie! Mine is on hold and has been since January.

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Evening Post thanks for contacting the site team. I haven't heard from anyone yet and getting anxious. Shall I bump up my post? Hope Andie has good news, Pru

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Evening All

 

Has Andie Been On Yet

 

Just Realised It Was Her Day In Court Today

 

Ready With The Fireworks

hi post not heard anything yet u ok u got any news

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Have returned home from work today.... to find a letter from welscum, dated 11/05/09 folded as if it had been in an envelope, but wasn't in any envelope, all it had was two staples that were about as much use as a chocolate fireguard....posted through our letterbox!

 

It states, "WITHOUT PREJUDICE"

"FALIURE TO READ THIS LETTER MAY RESULT IN LEGAL PROCEEDINGS."

"You are hereby served under section 87 (1) of the consumer credit act with the attatched default notice. We intend to exercise our rights to enforce collection unless you clear the arrears within fourteen days or alternatively contact us with your proposals for settlement"

 

It continues to say if we fail to contact etc and legal action becomes necessary they will apply through the courts for attatchment of earnings etc..

It has been signed, by someone, but no printed name?

with a mobile number scrawled along the bottom..again no contact name...obviously this has been hand posted, but whos to say it was actually posted through the correct letterbox...one of the neighbours could have stapled this after realising their mistake and posted it through...who knows?

 

Now bearing in mind that i have logged a complaint with the FOS, re this shower of sh"te, and further complaints on their way.

 

I am also in receipt of 3 letters received on 08/05/09 posted from compliance dept, ruddington. CRC Hessle & Branch Manager ? Ruddington, each and every single one is stating different arrears amounts/ balance outstanding amounts etc..all printed within a matter of days of each other! There are still incomplete statements, incomplete SAR etc..etc..

 

The letter from the supposed branch manager based in ruddington was dated 02/05/09, received by us 08/05/09, giving 5 days to resolve the matter....trying to pull a fast one here!

 

Any advice on this guys would be appreciated....

 

Thanks in advance

B-O-2

ANYBODY WHO NEEDS INFO ON YOUR LEHMANS MORTGAGE

either SPML/PML/LMC/SPPL; the following are DIRECT tel#s,

of the investigating & prosecuting organisations: DONOT say you are from CAG-only directly affected or a concerned citizen.

 

1. Companies House: Kevin Hughes(Compliance Manager-main) @ 02920 380 633

2. CH : Lee Jenkins(prosecuting Amany Attia(MD) for SPML/PML) @ 02920 380 643

3. CH : Mark Youde(accounts compliance) @ 02920 380 955

 

4. Companies Investigation Branch(CIB) : Charlotte Allan @ 0207 596 6108

(part of the Insolvency Service) investigating all the Lehman lenders

 

5. CIB : Jeremy Pilcher('unofficial'-consumer/company lawyer) : @ 0207 637 6231

__________________

File YOUR 'Companies Investigation Branch'- CIB complaint online NOW!!!!

 

http://www.insolvency.gov.uk/complaintformcib.htm

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For those in the know - and i'm sorry I can't say specifics here but i'm sure you will catch my drift - round 3 is on the cards.

 

Awaiting disclocure of certain documents then we go at it again.

 

Granted judgement to seek more money though.

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Have returned home from work today.... to find a letter from welscum, dated 11/05/09 folded as if it had been in an envelope, but wasn't in any envelope, all it had was two staples that were about as much use as a chocolate fireguard....posted through our letterbox!

 

It states, "WITHOUT PREJUDICE"

"FALIURE TO READ THIS LETTER MAY RESULT IN LEGAL PROCEEDINGS."

"You are hereby served under section 87 (1) of the consumer credit act with the attatched default notice. We intend to exercise our rights to enforce collection unless you clear the arrears within fourteen days or alternatively contact us with your proposals for settlement"

 

It continues to say if we fail to contact etc and legal action becomes necessary they will apply through the courts for attatchment of earnings etc..

It has been signed, by someone, but no printed name?

with a mobile number scrawled along the bottom..again no contact name...obviously this has been hand posted, but whos to say it was actually posted through the correct letterbox...one of the neighbours could have stapled this after realising their mistake and posted it through...who knows?

 

Now bearing in mind that i have logged a complaint with the FOS, re this shower of sh"te, and further complaints on their way.

 

I am also in receipt of 3 letters received on 08/05/09 posted from compliance dept, ruddington. CRC Hessle & Branch Manager ? Ruddington, each and every single one is stating different arrears amounts/ balance outstanding amounts etc..all printed within a matter of days of each other! There are still incomplete statements, incomplete SAR etc..etc..

 

The letter from the supposed branch manager based in ruddington was dated 02/05/09, received by us 08/05/09, giving 5 days to resolve the matter....trying to pull a fast one here!

 

Any advice on this guys would be appreciated....

 

Thanks in advance

B-O-2

 

does it just say 14 days or is there an actual date?? No date means invalid default - Welscum are notorious for this!!

 

Also I believe defaults can only be deemed as served if done so via the postal service (someone can correct me on thsi though)

 

Trading Standards, FOS and OFT all get a complaint off you asap

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Mr P

 

AND

 

He pushed to boat out - full on suit and to give him his due it was alright

 

nice pink tie diverted attention from the less flattering areas :p

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Some Thing Is Telling Me Welcome Will Not Want To Disclose These Documents

 

I Would Think A Settlement Offer Is On The Card

 

Watch The Postman

 

Christmas Has Come Early Me Thinks

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does it just say 14 days or is there an actual date?? No date means invalid default - Welscum are notorious for this!!

 

Also I believe defaults can only be deemed as served if done so via the postal service (someone can correct me on thsi though

 

Trading Standards, FOS and OFT all get a complaint off you asap

 

must be registered post,or hand delivered to not pushed through door.

you may be away for a fortnight:rolleyes:

 

andie you keep at them:D

SAM:pLOWELL DETESTER

SAM:pLOWELL DETESTER.

 

SO PROUD OF MY AVATAR,THAT TOOK ME WEEKS TO WORK OUT HOW TO GET ONE.:lol:

 

PLZ CLICK MY SCALES IF YOU LIKE WHAT I SAY.

OR IF I HAVE HELPED IN ANY WAY.:smile:

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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.

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