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    • This Huff Post article reports on vanity projects the government are happy to spend money on rather than on meals for poor kids.   https://www.huffingtonpost.co.uk/entry/uk-government-spending-free-school-meals_uk_5f91cf85c5b686eaaa0f5f7f
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    • With regard to your question on post 207 if you bring in the points that I made on the validity of the contract they are supposed to have with Peel holdings then mention that there are already doubts about the validity of the contracts that are being used by the PPCs and the OPS is a classic example. Once you are on there you should then try and get your other point in after that.   if it is in connection with the extra charge of £60 remind the Judge that the charge has been defined by many Court across England that the charge is an abuse of process which was covered in PE v Beavis at point 198    " The charge has to be and is set at a level which enables managers to recover the costs of operating the scheme"  IE the £100 charge covers all their expenses so nothing should be added.   as their WS claims an extra £60 that could be judged as perjurious since it is an additional sum that should be known by VCS and the author of the WS as a double recovery. Especially as they have already lost in Court for the same reason.   Another cause to prove that they do not comply with their Code of Conduct. file:///C:/Users/User/Downloads/CamScanner%2008-05-2020%2016.34.59.pdf  Byelaws are statutory not arbitrary as their WS said on no .42 .   Best of Luck.   The above URL does not work but this one does http://forums.National Consumer Service.com/index.php?showtopic=133001    [20.1 is where  VCS  lost then 20.2 where they appealed and lost again . But read the whole thread as it may help you in other ways too.
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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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Hi Capricorn

 

I've sent the reminder to the address which was on the letter from Mr Supple. They have ignored the other letters so I thought I would give it a try.

 

Well no more telephone calls over the weekend thou I have to admit they were quite easy to deal with on the phone but lets see what happens next !

 

Squidward

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Hi

 

All quiet on the western front? Any one else had any communication from the enemy?

There is no such thing as a 0% credit card....... someone out there is paying for it, and for once its not going to be me.:razz:

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capricorn, squidward, and dinkjames and lady in hell,

just reporting in, i had a default notice form them today another mess they didn't even that right, and still no SAR still they've got til the 26th june.... i was just thinking that we 're not supposed to hijack any threads but this one's got a real 'family ' feel to it

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You are all welcome and I am enjoying the regular company to our joint plight.

 

How do you know the default is incorrect? Does this mean they have terminated your account, hence can no longer add interest?

There is no such thing as a 0% credit card....... someone out there is paying for it, and for once its not going to be me.:razz:

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I've just read all this with much amusement - you guys are GREAT!!:-D I guess this gives me a taste of what I'm about to embark on - not relishing it now I've read Capricorn 1601, by the same standard, I'd be Capricorn 0801 - is it something about Capricorns that we love a bit of a fight?

 

I've just received the responses to my two SARs from MBNA - one is for A&L and they don't have a copy of my original signed agreement...... what a shame!! Should be relatively straight-forward but any suggestions on wording for a letter would be good as I'm new to this stuff!

 

For MBNA themselves, they do have an A5 copy of my agreement - so small and such bad quality that the Ts & Cs are almost impossible to read! It's one of those ones with the important stuff in a band down the side of the page.

 

Can anyone suggest short-cuts to nailing these very unpleasant people?

 

I've created my own thread here and will remove further postings to keep this thread "clean"

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So what is the next stage? I presume as all cases are on hold in Chester, or whereever they are based, they can only threaten court action.

There is no such thing as a 0% credit card....... someone out there is paying for it, and for once its not going to be me.:razz:

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Hi Rory

 

Welcome to the club, please feel free to post up here and let us know how you are progressing.

 

I'm in limbo land now, ignoring their letters, just as they ignore mine... hehe. I havent had any correspondence from them recently, although I have a case outstanding with the FOS, so maybe, just maybe they are on their best behaviour.

There is no such thing as a 0% credit card....... someone out there is paying for it, and for once its not going to be me.:razz:

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good luck RoryM you'll get all the help you need on here a lot of reading, there are alot of experienced people on here and the site team are fantastic, but i haven't found any short cuts yet just keep the letters going

shakti

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Rory

 

When was your agreement taken out? Just wondering why a small copy, or even a scanned copy.

 

The one I received from Egg was a scanned copy, very bad quality. I'm waiting for PT and the rest of the group on the Egg forum to lead the way before I step that action up a gear.

There is no such thing as a 0% credit card....... someone out there is paying for it, and for once its not going to be me.:razz:

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Rory

 

When was your agreement taken out? Just wondering why a small copy, or even a scanned copy.

 

The one I received from Egg was a scanned copy, very bad quality. I'm waiting for PT and the rest of the group on the Egg forum to lead the way before I step that action up a gear.

 

Agreement was signed by me on 24/1/2000. It looks like a poor scan! I tried scanning it to post but the important text just looks like patterned shading even at 1600 DPI resolution!

 

The small print was SMALL to start with, when you then reduce it from A4 to A5 it's minuscule and almost unreadable!!

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You are more than welcome to post up here. I think somewhere I have a letter to suit as I am going to send something similar to Egg. I will have a look tonight and post it up for you.

 

Capricorn:D

There is no such thing as a 0% credit card....... someone out there is paying for it, and for once its not going to be me.:razz:

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well done rory you're on the ball i sent a cca then a sar so you're in front of me yes you're right with A/L, i stopped paying mbna when i didn't get a cca on time the account was up to date though, how are you sure that mbna have an agreement? DON'T EVER SPEAK TO THEM ON THE PHONE .. EVERYTHING IN WRITING ONLY they'll convince you you mother's a hyena

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rory start your pwn thread on this one then you'll get the expert advcei from the team i'm not an expert i just have a limited amount of EXPERIENCE

regards

shakti

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Haven't been able to work out how to start a thread........... where's the function/button/link to do that?

 

If you go to the forums homepage, in this case General Debt Issues - The Consumer Forums & scroll to the bottom of the page and click 'new thread' a page will open for you.

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

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