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    • I hear what you say.   What does Theresa need to do, and pull together as a basis for the skeleton arguement? Proof of mental health assessment from her GP? Reference that part of the alleged debt is now statute barred? Lack of requested information from SW&S?   scmreferrals@justice. sent her an email 11th March 2020 offering mediation "A telephone mediation session of up to one hour is available to you on 01/04/2020 between 11.45 and 17.30." THEN: Another email from scmferrals was then sent within 2minutes withdrawing this offer of mediation.   Aside from the above. Would an SAR be of any use?
    • That advice is all good.  Thanks for everyone's help. its appreciated 
    • And to add to my site team colleague' s advice above, if you phoned the vet, they may well say that it is out of their hands now and with a debt collection agency. Insist that it is with them and if they maintain their position then it is probably worth writing to them to confirm that you asked them for details and that they refused. It's a good idea to develop a paper trail – especially where they are acting unreasonably and refusing basic information such as an account. You could also serve them with an SAR which will compel them to provide you all the information you want
    • A utility company is certainly a service provider and they are generally treated as such by courts, regulators et cetera.   Please don't be vague about any details that you give us if you want help. Were the advice we give here is free of charge – and it is generally speaking excellent advice and we help thousands of people, you should treat it as if you are paying £300 an hour for it and that means your best to help us so that we can help you solve your problems quickly and efficiently
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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
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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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      • 3 replies
    • 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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statement query...


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Hi fellow justice fighters,

 

I have just received my HSBC statements for the last 6 years. I have had a graduate OD running in this period and have exceeded it numerous times. However I cannot find any charges that relate to this on my statements. The only charge the bank seems to be taking are the "DR INTEREST" Charges - and these vary month to month. Is it these that I add up?

 

Many Thanks

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thats strange. the charges you can reclaim are for bouncing cheques, card misuse and total charges. on my statements they added all my charges for going over into one charge and applied it at once (probably so they could help themselves to another charge the next month:mad: ).

i believe its possible, but extremely complicated to add up the interest from the date of individual charges and claim them now, but most people are not because it doesnt amount to very much.you cannot reclaim all of the interest presumably because some of that is legal as set out in terms and conditions of overdraft etc etc.

i'd say check again for charges described as total charges and leave them interest until filing with mcol

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thats strange. the charges you can reclaim are for bouncing cheques, card misuse and total charges. on my statements they added all my charges for going over into one charge and applied it at once (probably so they could help themselves to another charge the next month:mad: ).

i believe its possible, but extremely complicated to add up the interest from the date of individual charges and claim them now, but most people are not because it doesnt amount to very much.you cannot reclaim all of the interest presumably because some of that is legal as set out in terms and conditions of overdraft etc etc.

i'd say check again for charges described as total charges and leave them interest until filing with mcol

 

 

I have searched through all the pages and can only find one charge over the past 6 years which relates to what you are saying - i think it was a bounced check "REVERSAL" charge. Other than this there does not seem to be any other charges only "DR INTEREST" every month. I have almost always been over or at the brink of my overdraft.

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welel maybe they haven't charged you?

no, thats silly, they must be concealing it :)

id suggest you pm one of the mods, maverick and crusher were really helpful to me

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welel maybe they haven't charged you?

no, thats silly, they must be concealing it :)

id suggest you pm one of the mods, maverick and crusher were really helpful to me

 

I think so too... I'll drop them a PM.

 

Thanks matey.

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how much was the dr- interest , amounting to?

 

you're absolutely sure you went over your o/d? hmm....... sometimes the bank used to in the past have some leeway (sp?) over the charges, i had some refunded years ago , ofcourse they cant do it anymore, but maybe they looked at your accoutn and thought , well he looks

ok lets not charge him,

 

 

ok you can stop laughing now

HSBC- £4995, settled payment in full

if you found this post helpful, please click the scales (top right of post), ta ;)

 

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Unsure about what to claim, or confused about overdraft interest? Charges explanation

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