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    • Thank you Bankfodder.  I used the term frustrated agreement purely based on my own research and what I found on the Govt's website, especially in relation to Covid.  My situation appeared to fit but if it doesn't, it doesn't. The length of time the actual works themselves will take is not written into the agreement but I was told 2 weeks, they are doing the interior ceiling and electrics too. I was prepared to accept the new date of 7th Dec until I was told I couldn't speak to their Director for two weeks and then found out that they haven't applied for building regulations yet, this is something else they are doing on my behalf.  As they can't order anything until they have the regs through I can't see how the roof is in the process of being made (which is what they keep claiming). I contacted the CAB as I wanted this wrapped up for the weekend and had two conflicting recommendations on this forum.  One to just let the credit card company handle things and others saying I must give more time.  I'm not complaining, am grateful for advice - just getting more and more confused as to what I can/can't do. If I can avoid it at all I would rather not go through another 6 weeks of this, waiting for them to prove that they can't manage the Dec.date.  By that stage it could well be feasible that the roof is in the manufacturing stage, where as at the moment it can't be, which would further complicate things. Based on all this and what the CAB said I sent the email below last night and received Homeview's response this morning. If it came to it that I retracted what I've said and allowed them to go ahead for 7th Dec. and they didn't manage that date, wouldn't it be the credit card company that would recover the deposit - not me?  BTW I raised a dispute with Capital One last night. Email.pdf
    • oh dear  i think you are in for a big shock   i doubt very much the loan is settled there will be £100's in unlawful fees i bet   we have numerous threads here about them in 2016 they were residing at   PO Box 1044 ipswich IP1 9YA   i would be sending them an SAR  don't ever ring them.   have you checked your deeds online recently? check they are on there. and has the loan ever been subject to legal action?   if not that would be a rare thing to us.   https://cse.google.com/cse?cx=partner-pub-8889411648654839:3134625398&q=Skye Loans&oq=Skye Loans&gs_l=partner-generic.12...0.0.1.951169.0.0.0.0.0.0.0.0..0.0.csems%2Cnrl%3D13...0.0....34.partner-generic..1.0.0.1dXrS2w9t2c    
    • doesn't say will anything. read it properly and carefully.   only the owner of a debt can get one of the many fake/tame paperwork only solicitors to issue any proceedings and they would have to abide by the courts pre action protocol of 30  days letter first!   as it's owner...i can try and instruct my dog to sit, if it does is a totally different matter. if my neighbour, who doesn't own my dog, tries it, it would ignore them.   the bottom line is there is nothing anyone can do to you. gyms don't do court gym debts don't appear on credit files.   any DCA they might get to write to you ARE NOT BAILIFFS any a DCA has ZERO legal powers on any debt, no matter what it's type.   dx    
    • This letter arrived in the post today, please advise how to proceed. I know the forums say they won't action but am very worried about this
    • go save his bacon clint and put him right...   dx  
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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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Page 21 and counting LOL

7 years in retail customer service

 

Expertise in letting and rental law for 6 years

 

By trade - I'm an IT engineer working in the housing sector.

 

Please note that any posts made by myself are for information only and should not and must not be taken as correct or factual. If in doubt, consult with a solicitor or other person of equal legal standing.

 

Please click the star if I have helped!!

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The story in short:

 

The college and the solicitors thought they had Fred by the short and curlies and were going to be able to wring him for a few thousand snackers. Turns out that far from it, they are themselves into a midden mess of epic proportions which is getting smellier and stickier by the day.

 

That's about the shortest and most accurate summary one can give, but it really doesn't convey the flavour. It's like saying that Shawshank Redemption is a prison movie, Slumdog Millionnaire a film set in India and that Mozart wrote quite a bit of music in his days. :-D

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Good luck Mr Shed, it's full of twists and turns.

At the moment we're waiting for the police to get back to us and after promising a copy of a statement imminently (that was about a fortnight ago) everything seems to have paused. Fred is planning on writing to the police legal department on whom everything is waiting apparently to see if we can hurry them up. One of the big mysteries is apparently the question of what happened to the caution. Was it never actually registered officially, although the police gave Fred to understand he had been officially cautioned and told PCAD he had been?

Did the caution get wiped off the system at some point and by whom? We suspect that is the question or one of them preoccupying the police.

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they are themselves into a midden mess of epic proportions which is getting smellier and stickier by the day.

 

LOL--- Bookie--- how could you associate me with those muppets in Plymouth?:D

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The story in short:

 

The college and the solicitors thought they had Fred by the short and curlies and were going to be able to wring him for a few thousand snackers. Turns out that far from it, they are themselves into a midden mess of epic proportions which is getting smellier and stickier by the day.

 

That's about the shortest and most accurate summary one can give, but it really doesn't convey the flavour. It's like saying that Shawshank Redemption is a prison movie, Slumdog Millionnaire a film set in India and that Mozart wrote quite a bit of music in his days. :-D

Don't forget the movie, Bookworm and your starring role.

"The Great Barrier Greef" starring Bookworm in the title role and supported by an all star cast of CAGs finest.

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Serves you right for going awol, Mr Shed.;)

It's a good job you're a fast reader.

 

I know!!! House move, job change etc etc - it mounts up!!!

 

Page 37 :D

7 years in retail customer service

 

Expertise in letting and rental law for 6 years

 

By trade - I'm an IT engineer working in the housing sector.

 

Please note that any posts made by myself are for information only and should not and must not be taken as correct or factual. If in doubt, consult with a solicitor or other person of equal legal standing.

 

Please click the star if I have helped!!

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I know!!! House move, job change etc etc - it mounts up!!!

 

Page 37 :D

 

Well done you're flying along now. Does flapping your arms all the time help you to read fast? If so I'll try it.:-D

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they are themselves into a midden mess of epic proportions which is getting smellier and stickier by the day.

 

LOL--- Bookie--- how could you associate me with those muppets in Plymouth?:D

Apologies, if I had written the words I actually thought, I would have been CAGbotted from Croydon to Plymouth and back again. :-D

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Well done you're flying along now. Does flapping your arms all the time help you to read fast? If so I'll try it.:-D

 

Hit the half way point woohoo!!

 

Needless to say Patma the missus isnt happy and has gone to bed :D

7 years in retail customer service

 

Expertise in letting and rental law for 6 years

 

By trade - I'm an IT engineer working in the housing sector.

 

Please note that any posts made by myself are for information only and should not and must not be taken as correct or factual. If in doubt, consult with a solicitor or other person of equal legal standing.

 

Please click the star if I have helped!!

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Fred has been diligently looking through the other side's court bundle and noticed that of all the insurance docs disclosed to him as per the judge's order at the Directions Hearing in July, they've included all except one in their court bundle and the one they've left out says that the incident happened in working time.

Now that's interesting because they've gone to great lengths, including making false statements under a statement of truth, to make it appear that the incident happened outside working time.

I'm not really clear why a person in an important position in the college would make false witness statements about this. Any ideas anyone?

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2 and a half hours later and...done!

 

All I can say is :eek:

 

And...that I am pleased I encouraged you to try and overturn the "conviction" originally all those months ago!!!!!

 

Will continue to follow with interest!

7 years in retail customer service

 

Expertise in letting and rental law for 6 years

 

By trade - I'm an IT engineer working in the housing sector.

 

Please note that any posts made by myself are for information only and should not and must not be taken as correct or factual. If in doubt, consult with a solicitor or other person of equal legal standing.

 

Please click the star if I have helped!!

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they've included all except one in their court bundle and the one they've left out says that the incident happened in working time.

Now that's interesting because they've gone to great lengths, including making false statements under a statement of truth, to make it appear that the incident happened outside working time.

I'm not really clear why a person in an important position in the college would make false witness statements about this. Any ideas anyone?

 

Could it be because the barrier wasn't 'manned' (or at least no security guard was on the premises) to raise it at Fred's request? If it was working time, that would be the college being negligent, if outside working hours, presumably you park at your own risk?

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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2 and a half hours later and...done!

 

All I can say is :eek:

 

 

Congratulations Mr Shed! Wasn't that worth burning the midnight oil? It's better than any John Grisham ain't it? - you couldn't make it up! :cool:

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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Its one of the most disgraceful cases I've seen on here I must admit.

 

One of the few times when people cry "let the papers know" and I actually agree - has there been any press involvement to date?

7 years in retail customer service

 

Expertise in letting and rental law for 6 years

 

By trade - I'm an IT engineer working in the housing sector.

 

Please note that any posts made by myself are for information only and should not and must not be taken as correct or factual. If in doubt, consult with a solicitor or other person of equal legal standing.

 

Please click the star if I have helped!!

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clue Mr Shed , is was there a "CAUTION !"

 

take a lot of reading

NEVER FORGET

 

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Help Our Hero's Website

 

http://www.helpforheroes.org.uk/

 

HIGHWAY OF HEROES

 

http://www.consumeractiongroup.co.uk/forum/bear-garden/181826-last-tribute-our-lads.html

 

Like Cooking ? check the Halogen Cooker thread

http://www.consumeractiongroup.co.uk/forum/bear-garden/218990-cooking-halogen-cookers.html

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Could it be because the barrier wasn't 'manned' (or at least no security guard was on the premises) to raise it at Fred's request? If it was working time, that would be the college being negligent, if outside working hours, presumably you park at your own risk?

 

Yes thanks folishgirl, I'm sure you're right. Come to think of it, the barrier was fitted with a free exit loop which should have automatically raised the barrier when a car pased over it, so if the barrier had been in proper working order, staff wouldn't have needed to be present either.

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2 and a half hours later and...done!

 

All I can say is :shock:

 

And...that I am pleased I encouraged you to try and overturn the "conviction" originally all those months ago!!!!!

 

Will continue to follow with interest!

 

Its one of the most disgraceful cases I've seen on here I must admit.

 

One of the few times when people cry "let the papers know" and I actually agree - has there been any press involvement to date?

Well done Mr Shed, you are a star and you were there right at the beginning and encouraged Fred to challenge the alleged caution.

None of us dreamed someone may already have mysterously wiped it from the system.

Well except for Lyons Davidson solicitors:eek:who'd already been told in 2008 by the police legal department that no trace of any caution existed.That didn't stop them from reminding Fred he'd been cautioned though and then getting it entered on their POC to use against him, naughty naughty!:eek::eek:

Now we wait for crumbs of information from the police while they try to investigate.

About the papers we're working on it and would welcome press involvement. Anyone know any journalists?

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I sincerely hope that the CPS prosecute the individuals concerned, once it gets to that point.

  • Haha 1

7 years in retail customer service

 

Expertise in letting and rental law for 6 years

 

By trade - I'm an IT engineer working in the housing sector.

 

Please note that any posts made by myself are for information only and should not and must not be taken as correct or factual. If in doubt, consult with a solicitor or other person of equal legal standing.

 

Please click the star if I have helped!!

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I sincerely hope that the CPS prosecute the individuals concerned, once it gets to that point.

 

We won't let it rest if anyone tries to brush things under the carpet.

There is stuff we can't seem to find out too which maybe a good investigative journalist could dig out.

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Patma - don't go public too early. The judicial system (& the police) may not prove too co-operative if you blast it all over the press at this stage. Plus if you wait for the whole story, Fred might be able to make a bob or two for his version ;)

 

I may be able to source contacts, will check & PM you.

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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