Jump to content
  • Tweets

  • Posts

    • Over a year ago a large computer touchscreen that I'd bought developed a fault. I bought the screen with a 5 year guarantee. The company sent engineers who after trying unsuccessfully to fix on-site, took it away for repair. The company informed me that they are unable to repair the screen and would give me a replacement. Twice now the company has brought screens which I have refused to take. They have brought battered up, scratched, dirty old screens, ex-display apparently. Not in any packaging etc.   I've been reasonable and polite and have just tried to get back to what I had, a working screen.   I know don't know what to do next and would greatly appreciate any help or advice.   I have a full email trail of correspondence with the company - they are a UK LTD company.   Many thanks in advance
    • Just received this from MCS.   "We have received your request for documents under the Civil Procedure Rule 31.14.   We have sent your request to our client and will back to you when we have heard back from them. Our client may not have all the documents to hand, they may need to ask the original creditor for some of the documents so it may take some time for us to come back to you.   We trust this is of assistance to you."   As I recall it's the usual waffle from these cretins, are they not supposed to be in possession of documents before filing with MCOL?. I'll re-look at the defence as well. Thanks Andy.
    • Also, make close detailed notes immediately after each visit. Try to include as much verbatim of the conversation as you can remember identifying who said what to whom. If it turns nasty then this kind of detailed evidence noted down immediately will be extremely powerful
    • Yes! As far as I know these are the same signs as what the driver saw   I have drafted my initial appeal (attached as PDF).  Any thoughts or comments would be gratefully received.   (edited to remove previous upload and replace with 2nd draft which had grammar corrections)     Initial Appeal 2nd Draft.pdf
  • Our picks

    • 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
      • 49 replies
    • 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.
       
      • 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!
        • Thanks
        • Like

Sprinter1 V Mbna


Please note that this topic has not had any new posts for the last 4262 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

:confused:HELLO

 

I AM NEW TO THIS, SO ANY HELP WOULD BE REALLY APPRICATED.

HAVING TROUBLE WITH MBNA CREDIT CARD. WHERE DO I START TO CLAIM BACK MY CHARGES, WHICH HAVE BEEN INCREASING REGULARLY?

:-|

Link to post
Share on other sites

How long have you had the MBNA card? And are you talking about charges for late payment/bounced DDs or just the fact that they have hiked up the interest rate?

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

Link to post
Share on other sites

hello they,ve put on late payment defaults and over limit defaults. they also told me that i need to pay a certain amount to bring it under the limit,

which i did every time thinking it would bring me under my limit but then they add the extra charges so in the end i was never able to get under the limit. They have been doing this for over a year now. making it impossible to get the ammount down

Link to post
Share on other sites

Do you need to send a SAR? If you have all the statements you can ask for a full refund of the PPI and charges. Is the total of the PPI, charges and interest on both more than the balance outstanding now?

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

Link to post
Share on other sites

Thanks for your help Gold lady ,

I Have not got a clue. the total balance is £1,496. my limite is £1,500 went out of my limit by £65 a year ago and only just managed to get it below. I tried to cancel my PPI yesterday and failed They asked why i wanted to camcel it i told them i couldnt afford it after trying to tell me how inportant it was they tried to sell me another insurance. in the end i hung up. going to try to put it in writing. posting my data request letter today.

Link to post
Share on other sites

Make sure the SAR letter includes the request for a copy of the original agreement. We need to establish whether the PPI was mis-sold and indeed whether their agreement is valid in the first place, although it is fairly recent..... From what you have said it sounds as if most of the outstanding balance is their charges and the interest on them. You should get a full set of statements with their reply too.

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...