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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
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    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
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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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Hi Guys,

again I am indebted to those of you pledging support. The morale of seeing the pledges is enough.

 

As an update I have today been in contact with a Barrister who has raised concern regarding the whole case. I am indebted to Rhia for this information (she knows the direction she pointed me in).

The process has begun and I am initially establishing the grounds and necessary protocol. Of course, I need to be very protective with certain information that I broadcast on here as I intend to play this one very closely to the chest in terms of tactics/rulings etc - so please do not be offended if I do not share everything. I WILL update regularly for those who are interested and I hope I can deliver some positive news about an attack on the Rankine case in general and provide hope for many more people on here. If not, then the least I can do is highlight the pitfalls that have befallen me along the way and offer these as advice to anybody in a similar predicament.

 

Thanks to everyone again.

 

Blue

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make that seven.

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Id quot circumiret, circumveniat.

 

please do not take my word for anything please do your own research All that i make comments on are done in good faith and to the best of my knowledge

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Hi Guys,

again I am indebted to those of you pledging support. The morale of seeing the pledges is enough.

 

As an update I have today been in contact with a Barrister who has raised concern regarding the whole case. I am indebted to Rhia for this information (she knows the direction she pointed me in).

The process has begun and I am initially establishing the grounds and necessary protocol. Of course, I need to be very protective with certain information that I broadcast on here as I intend to play this one very closely to the chest in terms of tactics/rulings etc - so please do not be offended if I do not share everything. I WILL update regularly for those who are interested and I hope I can deliver some positive news about an attack on the Rankine case in general and provide hope for many more people on here. If not, then the least I can do is highlight the pitfalls that have befallen me along the way and offer these as advice to anybody in a similar predicament.

 

Thanks to everyone again.

 

Blue

 

it may well be that your thread was monitored- i would say confidentiality from this point on would be very wise

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BT - happy to wait until after the event for update and will not be worried if you decide NOT to appeal. Post only what you want to, take care of yourself and your defence!

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:lol:

Successfully claimed back mis-sold PPI (Barclays Bank) 2009-10 (£8500)

Ran a paid-for DMP. Deeply respect those who self-manage a DMP; it is possible to do with the help of fellow CAGGERS

Offered F&F to all my creditors. All closed out including a particularly intransigent and stubborn one - who eventually saw sense after 10 months of nonsense!

Does not condone debt avoidance but violently disagrees with the antics of debt collectors and their behavior towards the ones trying to pay. I am a great believer in what goes around, comes around. Keep up the good fight!

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Hi Guys,

again I am indebted to those of you pledging support. The morale of seeing the pledges is enough.

 

As an update I have today been in contact with a Barrister who has raised concern regarding the whole case. I am indebted to Rhia for this information (she knows the direction she pointed me in).

The process has begun and I am initially establishing the grounds and necessary protocol. Of course, I need to be very protective with certain information that I broadcast on here as I intend to play this one very closely to the chest in terms of tactics/rulings etc - so please do not be offended if I do not share everything. I WILL update regularly for those who are interested and I hope I can deliver some positive news about an attack on the Rankine case in general and provide hope for many more people on here. If not, then the least I can do is highlight the pitfalls that have befallen me along the way and offer these as advice to anybody in a similar predicament.

 

Thanks to everyone again.

 

Blue

 

This is excellent news that Rhia has been able to direct you forward. Good luck and we look forward to updates as when you are able. :)

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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BT, can you make sure you at least say hi and let us know things are ongoing? I know there have been a couple of threads where the original poster appeared to disappear with no news as to their case and it leaves us dangling:)

 

Good luck.

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Advice & opinions given by spartathisis are personal, are not endorsed by Consumer Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.:)

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BT.

 

We wish you well.

 

Please drop by from time to time just to say hello'

 

 

good luck

 

the very best regards lilly

Id quot circumiret, circumveniat.

 

please do not take my word for anything please do your own research All that i make comments on are done in good faith and to the best of my knowledge

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  • 5 weeks later...

Thanks to you for that wonderful pledge.

 

Unfortunately - and as an update - I have been put off the appeal process, as it would have taken too much to finance the risk as I needed to appeal and lose then appeal again until I reached the necessary court level within the system - with ultimately little chance of winning.

I'm afraid my tale is one of woe and really I was badly let down by the present judicial system, and my own personal (paid-for) advisers. I am taking them to task at present against their undoubted negligence in my case. I await their response with interest. I am extremely close to financial oblivion unless they can rescue something from the fire. I now have a massive ccj against me and no earthly way to overcome it. With the right advice I would be sitting here with no default and just the original debt - which I never ever disputed owing and the ability to raise finance to repay it properly - now I have double the debt, a ccj and no way on earth to raise any finance to clear it. AIC told me right at the beginning that Amex would pursue me to bankruptcy as in doing so they could then benefit from writing the debt off against their corporation tax - I have to say that their sentiments are ringing true at present.

As a former believer in justice and the way our country operated _ i can now see at first hand how manipulative, unfair and one-sided it all is.

Try not to let this tale put you off though - I would implore anybody in a similar situation to enrol as early as possible, some qualified legal advice - the problem is - where from? How do you know what you will get. It's a turkey shoot and until something such as this Group can come up with qualified and affordable representation for the person in the street then I dont know what to suggest. Generally if one could afford legal help one wouldnt be in the situation in the first place. Legal Aid is not meant for the regular joe-public in my opinion and qualification is quite limited - the charities are also limited in their knowledge and what they can offer. Clear leigislation is required - there is too much of a grey area and too little expertise out there.

I will post again when I have further hews and hopefully feeling a bit more positive.

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I'm really sorry you're in this predicament BT. You tossed a dice that you thought should be loaded in your favour & it split apart on the DJ/barrister roulette wheel.

 

Unfortunately you're not on your own & many have found to their cost that although English law is based on sound principles, the application of it is not always a reflection of justice & I endorse the sentiment you have expressed above.

 

I do hope you will eventually satisfactorily reconcile the devastation & move forward with the components of your life that are truly important - family, friends & having faith in yourself.

FG

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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  • 1 month later...

BT, this may sound absurd but, check your household contents insurance for "Legal Coverage" and see what it actually covers (especially if you purchase Extended Legal Cover). Many were quite broad in their description (written in the 70's - I was there!) and could, potentially, extend to your current litigation. Whether it could be invoked to cover the previous litigation is, I think, debatable/unlikely but there may be something there.

Should you not understand the wording or anything else, I'll gladly interpret it into English for you - I used to write the things (for the US market, where they had to be tight).

 

Chin chin

 

jb

If I'd have known then what I know now I'd probably still have messed it up!

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BT, this may sound absurd but, check your household contents insurance for "Legal Coverage" and see what it actually covers (especially if you purchase Extended Legal Cover). Many were quite broad in their description (written in the 70's - I was there!) and could, potentially, extend to your current litigation. Whether it could be invoked to cover the previous litigation is, I think, debatable/unlikely but there may be something there.

Should you not understand the wording or anything else, I'll gladly interpret it into English for you - I used to write the things (for the US market, where they had to be tight).

 

Chin chin

 

jb

 

most of these policies have "conditions" one of which being that they may take a "view" on the likely outcome and if they do not feel the case is worth pursuing they will refuse to act

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most of these policies have "conditions" one of which being that they may take a "view" on the likely outcome and if they do not feel the case is worth pursuing they will refuse to act

 

They also have to be in at the ground level and will likely refuse a claim that has already begun.

Always happy to help where I can!

:lol:

Beware of legal advice given on a private forum - do you REALLY know who is posting? Are they REALLY accountable for their posts? What if you follow their advice and get something wrong?

It was Winston Churchill who said; "Democracy is the worst way to run a country except for all the others"

 

Advice and comments posted by car2403 are offered purely without prejudice. They reflect only my personal opinion and do not represent the opinion of this forum or it's management. You should always seek legal advice from a qualified legal advisor. As a member of the site team, I disable reputation - reputation points mean nothing, please check my posting credentials yourself and make an informed decision. You shouldn't PM me and await a reply - I may be too late with a response. No replies will be given in Private Messages - just as with getting advice from the forum, getting advice via Private Messages is dangerous. CAG is about sharing successes so others can follow your example, this is primarily why I'm here, so please don't be offended if I don't offer replies in PM that doesn't comply with this. Help CAG to help others by keeping your thread up to date.

 

 

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Quote:

Originally Posted by diddydicky viewpost.gif

most of these policies have "conditions" one of which being that they may take a "view" on the likely outcome and if they do not feel the case is worth pursuing they will refuse to act

 

They also have to be in at the ground level and will likely refuse a claim that has already begun.

 

Hi guys,

I appreciate both points, which is why I put the caveat in my original post: "Whether it could be invoked to cover the previous litigation is, I think, debatable/unlikely but there may be something there".

My comment was directed at BT's possible negligence claim against the professional advisers who helped lose his previous action - that is a new claim area.

 

jb

If I'd have known then what I know now I'd probably still have messed it up!

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