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    • Interesting that the issues of Johnsons problems with whichever side wins the US elections is starting ti hit the main news services   Summary If Trump won: Trump has defined in the trade objectives already referred here, would want to open up the UK to US GM crops and hormone injected and chlorine bleached meat while allowing damn significant to the UK populous in from the UK 0 which Johnson crew have no issue with and have been enabling despite the Johnson and crew lies. Other than that Trump would only want the UK govs unqualified support in whatever he chose to tweet.   When Biden wins Biden is still America first, and an Irish American at that. Johnson is a Brexit and Trump supporting populist who has thrown Ireland under his red brexit bus. Biden will also be less interested in a UK that can't promote US interests in the EU so all that remains (at least until Scot independence) is the UK's vote as a permanent member on the security council and as a market for US goods on US terms.   The Tories will need to get rid of Johnson and the populists and hope the blame for the multiple train wrecks at hand goes with them - now the Brexit and freeport goal has effectively been achieved.  
    • What happened? Did he manage to resolve it? I am interested in the part where creditfix said he was approved, but he wasn't. If you apply for an IVA and it is rejected, does that put a bad mark on your creditfile? My friend recommended an IVA to me, although my debt is nowhere near as much as your friends. I was going to use this free IVA advisor - https://www.iva-advice.co/, who say they will tell me which companies will approve me for an IVA before I apply, but if they say one and I apply and it is not approved, will this have negative consequences? My credit score is already 'poor'.    Thanks!  
    • Hi folks,   So I've spoke to customer service at Enterprise and was referred back to the traffic violations team who sent the original email refusing to refund the the charge.  She gave me a phone number to call but is currently down because of covid so I'm not currently able to talk to anyone on the phone about this.  I checked out the Ts&Cs in the contract and found that it does in fact cover parking "fees" and "charges" so not sure what grounds to challenge this on, given I cannot actually speak to anyone.    TRAFFIC VIOLATIONS, PARKING AND TOLLS: I acknowledge that for the period of the rental I am liable for all traffic violations; parking fees, fines or penalties; and charges and penalty tolls. Owner will charge you an amount of up to £35 for administrative costs.   Look forward and to hearing from you about this and how best to deal with Euro Car Parks.   Thanks in advance
    • Only one letter was there but as usual they have gone overboard and asked for way too much money. The most they can claim is  £100 but time after time these cases get thrown out of Court as an abuse of process. It is pretty close to fraudulent so that is good for you if they try it in Court.  BUT DO NOT CONTACT THEM OR ANY OTHER DEBT COLLECTOR EVER. Were both letters from DRP. If not you can photograph the other letter and upload it on to your computer.
    • So he has .....ignore..I was referring to post #36 .....manual application for default
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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.
       
      • 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!
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Just a thought.....


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If a bank is continuing to let charges spiral out of control and refuse to address the matter in a "sympathetic & positive way"; surely the bank can be accused of negligence by knowingly breaching the Banking Code and making someone go further into debt after that customer has tried to discuss and resolve the matter with the bank?

 

Negligence is a very strong point and most organisations don't like to hear about it.

Egg/CapQuest 2 - CCA sent 12/04/07 ****RESULT****

Barclays Bank/Lowell 1 - CCA sent 12/04/07 ****RESULT****

 

Halifax/CapQuest 1 - CCA sent 12/04/07 SD issued ****WON with COSTS****

 

Barclaycard/Cabot - CCA Sent 12/04/07 Unenforcable Application Form

Smile/Lowell 2 - CCA sent 12/04/07 Unenforcable Application Form

NatWest/Fredrickson International - CCA sent 12/04/07 No Reply

 

Halifax/1st Credit - CCA sent 17/04/07 No CA but Threats from 1st Credit & Connaught! - Still Nothing but still chasing!

 

Student Loans Company/CapQuest 3 - CCA sent 11/06/08 - No Reply.

Lowell 3 - Ignored them went over their heads to Capital One

 

Halifax - S.A.R - sent 17/04/07 Completely incomplete!

Halifax 2 - S.A.R - sent 11/06/08 - Scant Info

Capital One - S.A.R - sent 11/06/08 - Scant Info

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the banking code isnt legally binding though, its not against the law to break the banking code sadly. in breaking the banking code they are breaking the banking code NOT the law. its the banking ombudsman that takes action against them for breaking it, not the courts if that explains to you.

you have grounds to make complaints on multiple points of the code but you have to go through their stupid complaint procedure for that. as ive said in the other thread id do it after youve finished the proper legal avenues.

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Don't you think that it would be possible to imply contractual duties out of the banking code?

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yes, but as youve said before its subjective. things like fairness are open to the interpretation of the court and we dont have case law here to fall back on because i dont think anyone has ever used the banking code in such a way. it would only be if the contract explicitly ties the banking code in in some way that we could refer to it id have thought though in vampryas case natwest do this it appears from the legal things on their website. it would be best wouldnt it to go after someone with regards to things that are written in stone rather than letting a judge decide what "sympathy" is. does that just mean the bank staff should empathise with the customer???

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Yes, I'm not at all certian that there could be a contractual requirement of 2Sympathy". Far too vague.

 

On the other hand, one doesn't necessarily need a body of case law to help produce an acceptable definition of fairness.

 

I would expect that a court could be quite receptive to the idea of receiving help contained within the Unfair (Contracts) Terms Act 1977 or the Unfair Terms in Consumer Contracts Regulations 1999.

 

Both of these statutes are intended to benefit consumers by implying in or implying out certain contractual terms.

Both of statutes are concerned with contracts which are made on the standard conditions of a dominant party.

Both of these statutes are intended in some measure to redress the balance between the consumer on one hand and a dominant business contracting partner on the other.

These are all pretty well the same objectives as the Banking Code.

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I have been away so I have only just caught up with this.

 

When I had a meeting with the area manager (NatWest) he told me that the bank had not acted improperly with the charges, even though he must have known exactly what the charges represented.

 

Since I have joined this group the information I have obtained convinces me that no only is there a financial obligation there is also a moral implication.

 

I am driven to get justice for my daughter, but I am also driven by the fact that when this is resolved I will not stop until it is recognised that the bank staff deliberately kept my daughter in poverty knowingly and that there moral action has put her life at risk; (I had to physically restrain her two days ago when I found her cutting herself) once again I have to ask is this what it will take before all banks take moral responsibility for their actions?

 

Jo

Have you ever known a bank to admit they are in the wrong??

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  • 5 years later...

I kind of no what your going through joe

 

Ive self harmed before and ended up in a mental health hospital.

 

I strongly belive there is a way of fighting through the TOC's the bank hold I.e. the leaflets we get.

 

Banking these days are lealfets and guidelines through other correspondence.

 

Please take a back seat and write to the banks and ask to be considered under hardship regulations. This should hold some gearing sticks for you to sort the matter out.

Any typos spelling mistakes are due to leprechauns in my keyboard they move the letters around sometimes (edited for bookworm god bless her sole) Deep Peace be with you.

 

“I would say to the House as I said to those who have joined this government: I have

nothing to offer but blood, toil, tears and sweat. We have before us an ordeal of the

most grievous kind. We have before us many, many long months of struggle and of

suffering.

 

You ask, what is our aim? I can answer in one word: Victory. Victory at all costs —

Victory in spite of all terror — Victory, however long and hard the road may be, for

without victory there is no survival.”

 

(Winston Churchill Addressing the House of commons.)

 

All complaints go to the lootube. All conversations go in the white box then you click submit.

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  • 7 years later...

This topic was closed on 03/05/19.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support their.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

Egg/CapQuest 2 - CCA sent 12/04/07 ****RESULT****

Barclays Bank/Lowell 1 - CCA sent 12/04/07 ****RESULT****

 

Halifax/CapQuest 1 - CCA sent 12/04/07 SD issued ****WON with COSTS****

 

Barclaycard/Cabot - CCA Sent 12/04/07 Unenforcable Application Form

Smile/Lowell 2 - CCA sent 12/04/07 Unenforcable Application Form

NatWest/Fredrickson International - CCA sent 12/04/07 No Reply

 

Halifax/1st Credit - CCA sent 17/04/07 No CA but Threats from 1st Credit & Connaught! - Still Nothing but still chasing!

 

Student Loans Company/CapQuest 3 - CCA sent 11/06/08 - No Reply.

Lowell 3 - Ignored them went over their heads to Capital One

 

Halifax - S.A.R - sent 17/04/07 Completely incomplete!

Halifax 2 - S.A.R - sent 11/06/08 - Scant Info

Capital One - S.A.R - sent 11/06/08 - Scant Info

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Please note that this topic has not had any new posts for the last 3496 days.

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