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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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I want to stress that this is only speculation on my part but MBNA

 

I understand mealy pointing out it is something i have thought about myself.

 

PF

If I have been of help to you please feel free to click my scales to the left Thanks.:)

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CARTER V Co-Op

BANK CHARGES

REFUNDED £3567

 

POMPEYFAITH V Co-Op PPI

OFFER MADE BUT REFUSED

ONGOING AND STILL ONGOING

NOW WITH THE OMBUDSMAN

 

R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

 

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Now the Witness Statements from Optima have been signed my Nageena Kauser.

 

I assume they where writen by here although i guess not even that can be confirmed.

 

This is the first page of one.

 

WitnessstatementPage1.jpg

If I have been of help to you please feel free to click my scales to the left Thanks.:)

I have no legal training and the advice I offer is what I have learnt here and offered as a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

 

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 

CARTER V Co-Op

BANK CHARGES

REFUNDED £3567

 

POMPEYFAITH V Co-Op PPI

OFFER MADE BUT REFUSED

ONGOING AND STILL ONGOING

NOW WITH THE OMBUDSMAN

 

R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

 

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Yes i have the costs schedule would you like me to post it up ?

If I have been of help to you please feel free to click my scales to the left Thanks.:)

I have no legal training and the advice I offer is what I have learnt here and offered as a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

 

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 

CARTER V Co-Op

BANK CHARGES

REFUNDED £3567

 

POMPEYFAITH V Co-Op PPI

OFFER MADE BUT REFUSED

ONGOING AND STILL ONGOING

NOW WITH THE OMBUDSMAN

 

R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

 

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just nipping to shop be back in 15

If I have been of help to you please feel free to click my scales to the left Thanks.:)

I have no legal training and the advice I offer is what I have learnt here and offered as a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

 

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 

CARTER V Co-Op

BANK CHARGES

REFUNDED £3567

 

POMPEYFAITH V Co-Op PPI

OFFER MADE BUT REFUSED

ONGOING AND STILL ONGOING

NOW WITH THE OMBUDSMAN

 

R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

 

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Not sure who this [name edited] is but it looks like she is not a qualified solicitor or a legal executive which is the other recognised qualification in English Law. This can be seen by clicking onto the directory for legal executives at

 

ILEX Fellows Directory

 

and then typing in the firm name - Optima in the search box.

 

You can do the same thing on the Law Society site The Law Society - Find a solicitor and this lists all the solicitors employed by Optima in Bradford.

 

Youll notice that there is an entry in the legal executive list for an [name edited] who I assume is the quality controller I spoke about earlier. Interestingly her specialism is in Conveyancing so quite how this qualifies her to do the quality control in complex matters of litigation which is a completely seperate discipline entirely is beyond me.

 

This is relevant for PF as Optima are obliged to ensure that all staff whether qualified or not are adequately supervised to ensure that they can do the job properly and one wonders whether or not having a conveyancer as a litigation quality controller is in any way adequate.

Edited by steven4064
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PF

 

Ive been doing a bit more digging for you and had a quick chat with my friend on the inside at Optima.

 

She told me that whilst all of the action was going on on your case [name edited] was being managed and supervised by a chap called [name edited].

 

I am told that this character is a solicitor and if hed been doing his job properly he would have spotted immediately the numerous flaws in the three statements of [name edited].

 

He would have been the first port of call for quality control before [name edited].

 

So there is absolutely no excuse for the complete pigs ear they made of your case and if this is an example of the quality of work they carry out day in and day out then god help the legal profession and their clients.

 

I am told that [name edited] did not hang around long at Optima - he only took over the reins at the beginning of 2009 and recently left rather suddenly and now works at a firm in Manchester called Donns LLP. We dont know whether his leaving had anything to do with your case or what this says about life working for that firm but as far as I can gather this guy was supposed to be 'the face of the future" and so for him to have gone after such a short time is very queer. Draw your own conclusions.

 

She told me that this [name edited] character would not have got his hands on your case. Hes been banned from working on any litigation cases due to his constant cock ups and now works for Optimas professional negligence team. To quote my source "hes got a wealth of experience of causing professional negligence so its appropriate that hes now dealing with such cases".

 

The head honcho of the entire department is a chap called [name edited]. He is a solicitor and he will be the person with whom the buck stops.

 

Please put up the costs schedule they served on you for comment.

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I will get the cost docs scanned and uploaded here this evening as i cant get to pc right now PF

If I have been of help to you please feel free to click my scales to the left Thanks.:)

I have no legal training and the advice I offer is what I have learnt here and offered as a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

 

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 

CARTER V Co-Op

BANK CHARGES

REFUNDED £3567

 

POMPEYFAITH V Co-Op PPI

OFFER MADE BUT REFUSED

ONGOING AND STILL ONGOING

NOW WITH THE OMBUDSMAN

 

R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

 

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Posts that contain named individuals,and issues that cannot be substantiated as factual,have been removed.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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At poster's request I have reinstated the posts with the names removed

Steven

 

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  • 4 weeks later...

Enjoy the read Guz as its enlightening indeed

 

PF

If I have been of help to you please feel free to click my scales to the left Thanks.:)

I have no legal training and the advice I offer is what I have learnt here and offered as a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

 

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 

CARTER V Co-Op

BANK CHARGES

REFUNDED £3567

 

POMPEYFAITH V Co-Op PPI

OFFER MADE BUT REFUSED

ONGOING AND STILL ONGOING

NOW WITH THE OMBUDSMAN

 

R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

 

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PF:

 

Sorry I havent been around for a while. Been a little indisposed unfortunately.

 

Just wondering whether youd made any progress with your complaints and contempt of court proceedings. Have they dug out the original of the letter you sent them asking for the adjournment yet. It should be stamped with the date it was received as evidence. If it shows it was received earlier than they said it was in the case summary youve got hard proof that they deliberately mislead the court.

 

If you need any help just give me a shout. Remember I have good and reliable sources of information.

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can i s.a.r optima or use cpr to get info out of them ?

If I have been of help to you please feel free to click my scales to the left Thanks.:)

I have no legal training and the advice I offer is what I have learnt here and offered as a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

 

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 

CARTER V Co-Op

BANK CHARGES

REFUNDED £3567

 

POMPEYFAITH V Co-Op PPI

OFFER MADE BUT REFUSED

ONGOING AND STILL ONGOING

NOW WITH THE OMBUDSMAN

 

R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

 

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although i would imagine it would be hard to get anything that would put them in the dock after all they have shown professional misconduct already

If I have been of help to you please feel free to click my scales to the left Thanks.:)

I have no legal training and the advice I offer is what I have learnt here and offered as a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

 

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 

CARTER V Co-Op

BANK CHARGES

REFUNDED £3567

 

POMPEYFAITH V Co-Op PPI

OFFER MADE BUT REFUSED

ONGOING AND STILL ONGOING

NOW WITH THE OMBUDSMAN

 

R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

 

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but it still bugs me and keeps me awake at night the way they have handled this my poor dad would be turning in his grave

If I have been of help to you please feel free to click my scales to the left Thanks.:)

I have no legal training and the advice I offer is what I have learnt here and offered as a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

 

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 

CARTER V Co-Op

BANK CHARGES

REFUNDED £3567

 

POMPEYFAITH V Co-Op PPI

OFFER MADE BUT REFUSED

ONGOING AND STILL ONGOING

NOW WITH THE OMBUDSMAN

 

R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

 

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but it still bugs me and keeps me awake at night the way they have handled this

 

You have to try and let go of those thoughts PF.

 

I know it's hard but the only person suffering here is yourself....not any MBNA/Optima employees.

 

Don't allow them to control your life in this manner.

 

There's an old saying which goes....Holding on to resentment is like drinking poison and expecting the other person to die...think about it!! ;)

 

Best wishes as always :)

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Wise advice, Welshmam. Now if we can just make MBNA resent us and actually try drinking the poison to see if we will die:D;) Well, some of these creds are dumb enough.....

 

Personally, I like to follow the adage 'don't get mad, get even'.

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Wise advice, Welshmam. Now if we can just make MBNA resent us and actually try drinking the poison to see if we will die:D;) Well, some of these creds are dumb enough.....

 

lol If only it were that simple UD!! :p

If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

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SARN them and do the same to MBNA and state in the SARN to MBNA that you require all material held about you on their behalf by Optima also.

 

Im told that Optima have a case management system where all post is scanned to their system on the day of receipt and it should be noted on the computer file history.

 

dont be fobbed off by them. They need to explain why the witness statements they produced had their witness name misspelt.

 

Get SRA involved. Get the media involved - Watchdog. Daily Mail. Private Eye etc. Private Eye Private Eye | Official Site would love to hear about it seeing as Optima are connected to Capita - or "Crapita" as Private Eye dubbed them..... crapita "private eye" - Google Search

 

If they had fun rhyming the name Capita just imagine the possibilities with Optima........

 

Seriously though this might be a good idea, to make hay while the sun shines, you can drive a coach and horses through any protests by Optima that they dealt with the case to the highest of professional standards and Optima can do nothing about it as you have truth on your side,

 

Go for it

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Sorry just been reading though all this again.

 

PF

If I have been of help to you please feel free to click my scales to the left Thanks.:)

I have no legal training and the advice I offer is what I have learnt here and offered as a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

 

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 

CARTER V Co-Op

BANK CHARGES

REFUNDED £3567

 

POMPEYFAITH V Co-Op PPI

OFFER MADE BUT REFUSED

ONGOING AND STILL ONGOING

NOW WITH THE OMBUDSMAN

 

R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

 

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UPDATE

 

Hiya guys I have an update which could be very interesting on MBNA/OPTIMA part.

 

I have just recievd though the post a demand from optima legal for £20 which is over due and a standing order which they ask me to forward to my bank.

 

The standing order has optima legals bank details on so it seems clear that they paid off my mbna debt.

 

I have 7 days to pay the £20 should I pay this ? im wanting them to lift the stay so it goes back to court so I can then expose them.

 

Or should I pay this and then instruct my own solicitors to bring as case of professional negligence ?

 

As this is now of public importance I need to bring it to the attention of the media.

 

At what point should I do this and do you have any idea of who would be interested in a case of this magnitude.

 

Need to get my house in order fast on this now as i have 7 days before they will get stay lifted.

 

All comments welcome.

 

Regards

 

PF

If I have been of help to you please feel free to click my scales to the left Thanks.:)

I have no legal training and the advice I offer is what I have learnt here and offered as a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

 

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 

CARTER V Co-Op

BANK CHARGES

REFUNDED £3567

 

POMPEYFAITH V Co-Op PPI

OFFER MADE BUT REFUSED

ONGOING AND STILL ONGOING

NOW WITH THE OMBUDSMAN

 

R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

 

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Any site team about that can advise as this could now be of benefit to many caggers on this site.

 

PF

If I have been of help to you please feel free to click my scales to the left Thanks.:)

I have no legal training and the advice I offer is what I have learnt here and offered as a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

 

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 

CARTER V Co-Op

BANK CHARGES

REFUNDED £3567

 

POMPEYFAITH V Co-Op PPI

OFFER MADE BUT REFUSED

ONGOING AND STILL ONGOING

NOW WITH THE OMBUDSMAN

 

R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

 

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They really are silly sols had they not forced this I would of let it all lye, but now as they want to continue being reckless Im going to fight them to the end im sure Capita PLC will be very interested in there goings on.

 

PF

If I have been of help to you please feel free to click my scales to the left Thanks.:)

I have no legal training and the advice I offer is what I have learnt here and offered as a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

 

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 

CARTER V Co-Op

BANK CHARGES

REFUNDED £3567

 

POMPEYFAITH V Co-Op PPI

OFFER MADE BUT REFUSED

ONGOING AND STILL ONGOING

NOW WITH THE OMBUDSMAN

 

R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

 

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bump anyone please

If I have been of help to you please feel free to click my scales to the left Thanks.:)

I have no legal training and the advice I offer is what I have learnt here and offered as a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

 

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 

CARTER V Co-Op

BANK CHARGES

REFUNDED £3567

 

POMPEYFAITH V Co-Op PPI

OFFER MADE BUT REFUSED

ONGOING AND STILL ONGOING

NOW WITH THE OMBUDSMAN

 

R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

 

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Just my opinion, PF, but I think you might be safer to pay this instalment until you know where you stand - if you want to force it back into court you can always withhold next month's payment;)

 

Better to be absolutely sure of your position before you head back into the fray.

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