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    • Hi everyone, hope all ok here.    I have just received a letter from a debt collection agency asking me to pay a debt owed to British gas.    Upon checking my credit scores, i can see this debt shows up as settled and closed in 2016. Started in Dec 2015 and closed in July 2016 with £0 balance.    I have no recollection of owing anything to British Gas. It's a very small amount (around £40) but it has been bugging me.    Any idea if i should be paying this company?    Thanks for all your helps in advance. 
    • The company is called Ideal Window Solutions Below is a response from the manager to a request to cancel, them having cancelled the fitting on at least four occasions. In June it was arranged they would start at the beginning of August and each date they promised they have cancelled. .  I have been informed by the office that you said you want to now cancel after telling me that you will see it through till October. If you do cancel, as I mentioned to you, there will be financial penalties due to the fact that you have signed an official, legally bounding contract to supply and fit new windows. I mentioned to you that the glass has already been delivered and all other costs associated to putting your contract in place. If you cancel we will be looking to recover this from you. I don’t want this this to happen over a couple of days, which is out of our control. Can you please reconsider and get back to me.
    • Meanwhile Drakeford gone into full control freak mode,  on Wales Firebreak banning sales of all non essential goods whatever he means by that   https://www.dailypost.co.uk/news/north-wales-news/fire-break-ban-supermarkets-like-19141351   Can't see how he can ban online sales but he will try.
    • Got the same issue at the moment with Hermes. Mobile phone sold on eBay. Used the eBay services for posting. Hermes lost the parcel after collecting it. But have to wait 14 days. Overall pretty poor but will take county court action for the costs.    If I find out more I'll post here. Amazon usually credit once the item is collected.   Pretty messy.
    • its not showing on credit report. I show what they send me in letter when reject my application.  I copy without my details below    Dear     Assessment of Application for Student Finance Academic Year 2020/21 We have considered your application and based on the information provided, you are not eligible to receive student finance because: • You have arrears on a previous Student Loan. The Regulations which govern how student finance is provided say that we cannot consider any student eligible to receive student finance if he or she is behind with repayments on an existing student loan. If you have a Mortgage Style (MS) loan, please call your debt owner on the telephone number shown on the most recent correspondence that you have received from them. If you don’t know who your debt owner is, please go to www.gov.uk/repaying-your-student-loan for more information. If you have any Income Contingent Repayment (ICR) loans, please call 0300 100 0611 for advice. If you require more information about student finance visit www.gov.uk/studentfinance Yours sincerely Student Finance England   This is what they replied when rejecting my application.  So even though the debt been sold to erudio they will keep rejecting any new application.  I have also Loan with SLC which is completely fine.
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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
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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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have been following some of the threads on here and it seems i should have sent a schedule when i sent my AQ to the solicitors

could this be holding up the offer that i am sure is in the offing shortly seeing as i have a court date at the Leeds Mercantile Court along with at least another 28 people in April also i didnt send my copy of the Aq to them by recorded delivery should i give them a quick call and see if they received it?

am beginning to get a little impatient now just want back what is mine the interest is racking up daily and my claim has increased by another £70 or there abouts

think they are going to quibble over about £150 due to the claim taking so long to get to MCOL due to them taking increasing amounts of charges

DonBracho if you want to send me a message about your girlfrinds date in Mercantile we could maybe join forces

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well having rung SCM yesterday to check on whether my AQ and schedule had arrived at the office and being informed it hadnt and asking me to fax the schedule to them ( also stated that hadnt had instruction from their client to settle- i never mentioned a settlement) which i did last night from work and thought i would check this morning and was told that they had been ordered to offer me a settlement which will be credited to my account in the next couple of days so it seems i have won

thank you all for all the help and support you have given me over the last 6 months as soon as the depopsit has been made i will be pressing that donate button

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Sounds like good news - well done!


Can you let us all know when you actually receive the money - and if they settle in full, with interest from the date the claim was issued to actual payment?



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*****settled in full*****

money in the bank

havent even quibbled about the bits that were over 6 years

off to press the donate button after i have posted this

and once again thanks people

keep up the good work


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Fantastic, well done!!!!:D;)

Please remember to DONATE! Help CAG keep up the fight!



Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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Oh yeah, I forgot about that. There's a letter here if you need it - http://www.consumeractiongroup.co.uk/forum/lloyds-bank/58011-sc-m-court-bundle.html#post487345

Please remember to DONATE! Help CAG keep up the fight!



Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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