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    • yep easy one as there are loads of them. use our search top right.   lowell claimform vanquish   post it up here 1st mind...   due date by 4pm friday 6th nov.   dx  
    • I asked you how long it has been with the manufacturer and what are you doing to try and get it back. It seems to me to be a bit ominous that they have it – which means that they have the evidence in their possession. What does the manufacturer claim about these cylinders? Have you looked on their website? Have you looked at the website of the plumbers merchant to see what they say about them? I think you need to start accumulating some fairly authoritative -looking evidence – as well as anecdotes from the Internet. Is your retired plumber prepared to get involved and is he prepared to give his opinion in a statement as to the expected life of the cylinder and the likely cause of the failure of your one?
    • Dear All,    Thank you so much for all your support. Neither of us were aware of using GDPR till  you put us right. We shall follow your advice and get back to you in a few days.   Warm regards BF
    • Thank you for the advice.    I have looked around for opinion on the lifetime of a copper cylinder. As usual with the Internet there are a wide range of opinion and experience. Ignoring those experiencing premature failures the general view is 15 to 20 years, certainly more than 10 years. The potable water in this area is does have some mineral content but it is relatively low. When I removed my own water cylinder after 25 years there was very little sign of scale, the cylinder was still showing no external sign of corrosion, but the copper had become thin and it proved easy to break. So I think 15 years should be a minimum, allowing for the 'fact' that 'current products have been value engineered' when compared with those of 30 years ago. (as has also happened with the reduced wall thickness of copper pipe)   My personal view is that the materials of construction were not fit for purpose, either through an inclusion in the copper sheet, or the forming of the copper sheet resulted in it being too thin where the immersion heater boss was attached, or probably a combination of both conditions.   Again my thanks for your help, I will discuss with my neighbor and let him determine.his next step.            
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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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About to plunge in and shaking!


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Hi - just about to jump into this shark tank and send off my first letter - I have a friend who recommended joining this group so I have. I'm nervous of doing this as I'm unsure what repercussions the bank can inflict. I have an existing personal loan with them, can they demand that I pay this in full once they are aware of my claim submission?

I have finally decided to go for this after having been charged £166 pounds this month for being overdrawn and having a direct debit refused. Enough is enough!

Someone PLEASE tell me I'm doing the right thing

Thanks and hello x:???:

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Hi goonerjools,

 

Welcome, unless you fall behind with your loan payments RBS will find it near impossible to call in their loan, with regard to your charges, the sooner you start your claim to get them back the better, there are a lot of folk here who will guide you every step of the way, ones who are much more experienced in claiming charges back than me and you will get all the help you need.

 

Be cool

 

sparkie

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Hi - I'm posting my SAR Friday 30th, can anyone tell me who I make the £10 cheque payable to please? Is it just Royal Bank of Scotland? I'm sending it recorded delivery to my branch.

Thanks x

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If you send it to your branch that only slows the process they will have to log it in, then they will sit on for a few days all this delays getting your info, the RBS are very good at delaying tactics, I allways advise people to send it addressed directly to the Data Contoller at the head office in the RBS case the data controllers name is Joyce E. Tudor, write it direct for her attention.

 

sparkie

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Oh well, have lit the blue touch paper and am standing back waiting for the fireworks!! Have just got back from the post office from sending off my SAR and have my recorded delivery receipt tucked safely away. Don't think I have every been this nervous before! I'm one of those that won't take anything back to the shop if it doesn't work and now look - taking on one of the major institutions. Gulp!

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There is no need to be scared, everything you need is here. ;) We all started where you are now. You be be amazed at how soon you will feel empowered by all you will know. :D

 

If they received your sar today, then yes you have started your count down. They also seem to be sending them out a bit sooner. So hopefully you wont have to wait too long.

 

Have a read around the threads so you can see how others are getting on, and you will be able to see what comes next.

But as you know, any worries you have, just ask. Thee is always some one around to help.

Good luck :D

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Thanks :D you sound so calm

 

Trust me, when i first started i was worried sick. I was scared that i would mess it up, i was also wary of asking what i thought were daft questions. But soon realised there is no such thing as a daft question. :D So always ask. ;)

 

As for the 40 days, its 40 calendar days, no breaks.

 

Very cute pic by the way......:p

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EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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welcome Jooles:) Ditto seaside lady. You will soon feel stronger and more empowered. Good luck with your claim. :)

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Hi again,

Remember n worrying will not make a problem any better OR any worse so don't you worry just let it all take its course, go with the flow you will get help when you need it.

keep smiling.

 

 

sparkie

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Thanks Citizen - have managed to start breathing again so signs are good! :)

 

Breathing is a good start :grin:

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

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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Well - statements arrived and it's all totting up very nicely - can anyone answer a query for me please - I know I can't claim back the £12 service charges each month that I pay for the Royalties Gold but some months I have been charged £30 or £40 instead of the £12 when I have been overdrawn. Can I claim back any amounts over and above the £12 service charge?

Many thanks

Jooles

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Jooles, What is the £12 service charge for?? (edited, have googled it and assume its a service you have asked for)

 

The Service Charge should be shown as separate to other charges, but it's probably not.

 

If you have agreed to the £12 a month for this RG account (I can't think that anyone would :p) then yes, anything more than that taken from your account each month should be claimed back!

 

Jogs

Edited by havinastella
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Thanks havinastella - the £12 is a fee you agree to when you take out a Royalties Gold account - not sure what the service is though! - I have been doing some checking on some of the other threads and it would appear that I can, as you say, claim back the amounts above the £12 that they have charged me. So far I'm looking at over £2,000 woo hoo, but still can't believe they'll pay up. I'm filling in my spread sheet later today and printing off that prelim letter to send recorded delivery first thing Monday. Do I send that to the Edinburgh head office or my branch please?

Can't thank everyone enough for the quick answers and support.

Jooles x

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Think we were all in your situation at some time of being worried about claiming against our banks.

 

However don't worry, a bank is like any other business they have to comply with the law.... albeit some are of the opinion that they are above the law.

 

RBS are not too bad compared with reclaiming charges from other institutions.

 

There are plenty of us here to help you who have been through the process start to finish, so if you need a hand just let us know.

 

The one thing I would suggest, with your SAR if it did not include any manual intervention sheets (which is likely) to write back to the address to which you sent it stating that you do not hold your Subject Accress Request (under the Data Protection Act 1998) because of the missing manual intervention sheets.

 

The majority of overdraft/penalty decisions are handled automatically meaning (got this in writing from Nat West, an RBS company) that the default of contract i.e. unauthorised overdraft, bounced DD, would cost the bank a matter of pence as part of an overall IT computer system, and not the charges they levy against customers. The manual intervention sheets can demonstrate whether any human activity has occurred at the time you have incurred a charge.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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Hi Enron

Thanks for your reply - not quite sure I understand though. I got my statements back and a very brief cover letter stating that any manual intervention is notified to the customer at the time - do I need to do anything else before I put in my preliminary request for repayment?

Jooles

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Sounds similar to the RBS reply that I got, just a way of being evasive on their part.

 

Would write to them considerring that you consider your request still unfulfilled, as a data subject you are entitled to the manual intervention sheets which they hold on you.

 

This won't go to court as RBS normally settle early though you might have to file the N1 before they make payment.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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Sounds similar to the RBS reply that I got, just a way of being evasive on their part.

 

Would write to them considerring that you consider your request still unfulfilled, as a data subject you are entitled to the manual intervention sheets which they hold on you.

 

This won't go to court as RBS normally settle early though you might have to file the N1 before they make payment.

 

Hi Jooles,

I agree with Enron you are entitled to all data held and that includes manual intervention information do not accept their explanation that "it is supplied at the time"

 

sparkie

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Thanks Enron & Sparkie - should I do this before I put in the prelim letter? and should I then give them another 40 days to respond or is this still from the original S.A.R? Sorry - really lost here and don't want to do anything to make it easy for RBS to laugh at me any further. They have already charged me another £376 pounds in charges this month - £76 pounds of this is for twice bouncing the £10 cheque I sent in with my S.A.R!!!!

 

Jooles

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