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    • Very good, BN.   I did read earlier that one of the Scottish scientists said measures in Scotland are starting to work but that there's a way to go.
    • lets cut to the chase, HB,  Christmas is Cancelled,  it already is by the Wee Nippy in Scotland it seems, where she is talking of a Zoom Christmas. so record a parody Christmas song.  Zoom Christmas a parody of Bing Crosby White Christmas I might just do that today Fire up the DAW plug in the mic
    • @honeybee13I genuinely think Boris is confused about what to do. Economic disaster v even more unexpected deaths.    I see what you mean, UB, but is it possible that dithering since September means that lockdown will be longer and cost the economy more than if there had been a two or three week circuit breaker a few weeks ago?   I'm interested to know why it's going to be on Wednesday, so quite a wait from it being known, albeit through two newspapers and not an announcement yet. France had a day or two's notice of their second lockdown.  
    • I'm trying to understand the whole story.   However it would help if you would identify the companies you have been dealing with
    • @honeybee13I genuinely think Boris is confused about what to do. Economic disaster v even more unexpected deaths.    The big problem with this virus is that many people have very mild symptoms or no symptoms at all, but can still pass on the virus to others.    And with winter bugs having some similar symptoms to CV-19, there are probably thousands in workplaces with CV-19 who just don't know they are risking others lifes.   If Government are going to lockdown the country for a period, it has to be really strict and that includes schools and Colleges.  They should have done this in a planned way around the half-term period.   
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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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Debt advice council tax

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I am a very poor, low waged, private rented tenant of a property in gateshead. I work part time at Asda. I struggle to pay all of my bills. I simply cannot afford to pay for my full council tax each year. If I paid my full council tax each year I would be placed in a position of debts spiralling out of control. Paying my full council tax would mean I simply could not afford to pay my utility bills. I cannot believe we live in a country where we are told we must pay council tax before any and all other bills. This is simply impossible for me to be able to do. I have a number of things that I absolutely must pay before my council tax. The first of these is

1.) Rent
2.) Busspass-without it I am unable to work or to get there
3.) Food-as a very poor person I am often unable to buy food but I try to buy this as soon as I can
4.) Pet bills-I must feed and provide adequate care for my cat before I pay the bills as his food runs out at the end of my pay cheque.
5.) Then I have gas and electric bills. They come directly out of my bank on direct debits before other bills do such as my phone and I am keeping it that way as I don't want to be cut off

I pay for the council tax, tv license and water via payment cards. I try to pay something off these as soon as I can after getting paid. However being so low waged I am often behind on them. So naturally I am behind in my council tax payments.

I am charged council tax off my properties value which is grossly unfair AS I DO NOT own my flat I RENT it privately and my income is not taken into consideration at all. The council have reused to pay me my full housing benefits entitlement as a part time employed person. This has resulted in my situation of extreme poverty. I refuse to work full time and claim tax credits as I would be finacially much worse off by doing this.

1.) I lived here for almost 1 year without a single council tax bill despite the fact that I repeadetly asked about it.

2.) When I was finally given a bill I was not told how much my monthly instalments were. When I was told how much they were the sum was ridicously high and well beyond my ability to be able to afford to pay. The council have systems in place to protect vunerable and low waged people such as myself and they are refusing to use these to help me.

3.) I have a payment card to pay council tax which reflects the fact I make a low income and I pay tv license, water and council tax together. Despite my low income the council still refuses to help me making exboritant demands for council tax which they know is well above my means to be able to pay and refusing to pay me the benfits I am entitled to.

4.)This has led to arrears which I cannot afford to pay off as I simply do not have the money. If I pay off the arrears then I am unable to meet this years council tax payments which means I will build up further arrears. I already simply cannot afford to pay all my other bills nevermind the council tax so I will end up in a position where I have debts spiralling out of control with the only thigs getting paid being the council tax and rent. This is unacceptable. I will not simply pay my rent and council tax and no other bills. It is short sighted of the goverment to say the least to except that I should just pay rent and council tax and say it doesn't matter about the rest ignore them. I can't do that. I would end up with things getting cut off, CCJs eveywhere, debt collection companies, people at my door for unpaid utility bills. No. I can't do it on my limited means. I can't allow paying the council tax to get me into that situation.

So as I have arrears the council have hired a well known group of thugs known as Rossendales bailiffs. This group of loan sharks, bullies and thugs are well known to many courts due to the huge amount of complaints made each year about bailiff actions carried out by their staff. These actions include illegal threats, fraud, actual pyshical assualt and bodily harm on people owing council tax and in some cases assualts on and threats made to the landlords of private tenants such as myself.

Please see my thread posted uder Rossendales, illegal threats, harressment and intimidation for further information on Rossendales actions to try to force me to pay money I do not have and and stuggle to pay my other bills

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