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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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Urgent (Abbey) Repossession Advice Needed!!!!!!


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Hi all,

 

We recently received an Eviction Notice regarding a single outstanding final payment of £475 on an secured loan. The claimant say they have written to us before applying to court (but my wife says she never saw the letters)...

 

Anyhow, I was prepared to pay the outstanding amount of £475, but the lender says there are additional legals fees of £389 from their external solicitors that would also need to be paid to stop the eviction.

 

Is this correct? or will our payment of the outstanding £475 be sufficient to stop the action?

 

I am in the process of completing a N244 form.

 

Any advice would be greatly appreciated.

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I will bring this to the attention of those who can help.

 

They will be with you as soon as they can.

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Uploading documents to CAG ** Instructions **

 

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

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

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

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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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Can you confirm that they are attempting to evict you because you have an outstanding payment of £475.00 ?

 

Can you give us a little more history on this ?

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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The background is that a previous judgement of a suspended order for possession was made a few years ago (circa 2008) when the arrears were much higher and the balance was in the thousands. We kept up with the arrangement as per the order and i was sure this was now done. ...except for this 1 final payment to clear the balance and settle the account.

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Doesn't sound like the full story. Presumably you haven't moved - as if you had, the loan would have been repaid, so therefore you are attempting to claim that all correspondence relating to this, from the lender and from the court, have gone astray until the bailiffs sent the eviction notice? You'll probably see how inconceivable that is when you count up just how many items of post that would have amounted to.

 

In any case, it is unlikely the lender gained possession for an outstanding amount of £470 - nor for an outstanding amount of that plus the solicitors fees - so you'll need to check what the judgment for possession states regarding the money judgment in order to find out precisely how much they have an MJ for - it is that amount that will need to be paid. You can challenge both the possession order and the money judgment on the basis that you did not receive any paperwork, but you do that by applying to have the original judgment set aside (also on N244), and the judge, if he decides in your favour, will then proceed as if that order had not been made, and will make an order based on the facts on the day of the new hearing.

 

It is in your benefit to pay the outstanding loan payment.

 

I see you posted whilst I was typing my post. You then need to make a stay application - given the circumstances, it is quite likely your expected final payment isn't actually the full amount owed.

 

If there are unreasonable charges on the account you can reclaim those separately.

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  • 7 months later...

Hi all,

 

 

Following the last adjournment mentioned in the previous post, we have since received an eviction notice as we missed a payment in Dec '13 and Mar '14. These being the only payments we've missed in the last 15 months.

 

 

March default is very bad for us as it included £500 we had offered to the solicitors to make up December arrears of £1000. Basically we made the offer to pay 1000 arrears over 2 months ( Feb , mar) as we felt we could afford this at the time. Paid Feb , but failed to pay March as my wife unfortunately lost her job and march payment was now not possible.

 

 

So I have the following questions:

 

 

 

  1. As we have been in court over this case several times to stop the eviction on previous occasions, is there a limit we may be crossing where the N244 and reasons we give may just not be acceptable to the court? The solicitors recently said this was the 5th time an order had been granted.
  2. Given that the most recent payment history has been reasonably good, we complied with the judges order from Jan '13 to Nov '13 when then first payment was missed for which we then made an albeit ambitious offer to correct, could this play in our favour at all ? Or will the lender just claim that this mortgagee is simply unaffordable as they have previously tried?
  3. I have received a pay increase from March 1st which will help, and the wife is now back working. Will this be enough to have the eviction suspended again?
  4. We currently pay CMI +£150 towards arrears from the original order. We could increase this to CMI + £200 to cover the march default, would this be reasonable to ensure we didn't overcomitt ourselves? I anticipate the lender will want more , especially if I include my modest pay rise information in defence of ability to keep with payments

 

 

I hope someone can offer some advice on this. I'd like to submit a N244 tomorrow if we can present a decent defence.

 

 

Many thanks for your assistance.

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Hi, I'll have a look at a N244 defence statement for you later this evening when I have a bit more time. Have you drafted a statement to go with the N244 yet?

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Hi, do you still have a copy of your previous statement that you could amend?

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Hi yes, of course - happy to look it over you can send it to Ell-enn@consumeractiongroup.co.uk (there is no spare between the c and o, it just appears like that)

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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

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Hi - I got your draft and replied - but I only saw your message just now as I have been in a meeting.

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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

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Hi all,

 

 

Good news! Eviction suspended as judge felt we were making attempts to remedy the situation. Scheduled for review in 6 months. I didn't even need to say anything. Remarkable , considering the stress this causes from the day the eviction notice is received.

 

 

What can we do to get the suspended repossession removed altogether? The claimant's representative seemed a little reluctant to explain that we were in court because of effectively 1.5 missed payments.

 

 

I just feel that after 12 months of regular payments, we should be able to apply to have the suspended possession order removed.

 

 

Are we being realistic?

 

 

 

 

Thanks once again for your help.

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Hi, it's unlikely you would get the SPO removed until at aropund 12 months after all the arrears have been paid. You would need to show a long term on time payment record

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This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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