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    • I gathered that after your protests they had come back with the 7th after which you didn't raise any further objection. Is that wrong?
    • Sorry for several replies am doing this on a phone. Can you explain how I’ve been complicit in the delay? I was expecting the works to be done early Nov and last week was told it would be February which I immediately rejected. I haven’t agreed to any delay?
    • BankFodder have just seen your comment that I’ve done everything by phone. I haven’t and not sure where you’ve got that from?   All has been done via email.  I had two things verbally from the director during his site visit - that it would take two weeks to install and all would be done by Xmas. 
    • NatWest Group’s Q3 results have revealed today the bank provided a peak of 250,000 mortgage payment holidays, but these have since dropped to just 37,000 which are still active View the full article
    • I had quotes and timescales back  in July/August from other companies which will not be valid now. Ironically the reason I went with this company was because I felt I hit off with the guy that came to see me - the very director that I’m now banned from talking to!  Had a very stressful lengthy building insurance claim 2 years ago and this is bringing it all back.  Yes I told them in my email last night that I knew they hadn’t applied to the council and their reply this morning said they use a consultancy who apply to the council on their behalf.  Have just called the council again and they’ve now told me that other people besides them can provide building regs certificates. As they say they haven’t had one applied for and Homeview have said their consultancy deals with the council on their behalf I don’t know what to think.  I’m sure if I ask for a completed date and not a start date she will just say ‘as I said we will start w/c 7 Dec.’ 
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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
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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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conditional fee agreement???


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i need some advise with regard to the above mentioned.

i have had an accident at work (Industrial injury) and am persuing the matter with annew solicitor as my union solicitor did not feel that my case warranted persuing after 18 months of trying.

the new soilcitor has had all my case notes sent to them from the original solicitor and has now sent me a copy as above mentioned.

having read through this i am concerned of the fees issue mentioned if either party fails.

can somebody advise me if i will be responsible in any way for costs of this solicitor i i sign the cfa?

its a scary thing to proceed if this is the case;however i feel i need to persue my case as the circumastances have left me with a life induced illness:oops:

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Mark...my impression is that by signing the documents, if for any reason you lose the case then you will have to stump up (I think)....

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

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my impression is that by signing the documents, if for any reason you lose the case then you will have to stump up (I think)....

 

a CFA means that if you lose, you are liable for the solicitors disbursements such as letters, reports etc for your case. However, most solicitors get an insurance policy against this loss and you allow them to keep the referral commission from the insurer.

 

this means if you lose the solicitor claims their costs from the insurance and you don't pay anything. If you win they claim from the other party.That's why for you, it's 'no win, no fee'. There's no fee to pay either win or lose.

 

you need to ask the solicitor if they will take out an insurance policy against your costs if you lose. Some may ask you to pay for this policy, but most just ask you to let them keep the referral commission and you don't pay anything.

 

they only tend to take cases which they will most likely win. So it's always a bonus for the insurance company to give a policy against something which will only be used very rarely.

Edited by tifo
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