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    • Good luck to you and the family, London. I hope you've had some good advice from the local public health people.
    • Hi everyone, hope all ok here.    I have just received a letter from a debt collection agency asking me to pay a debt owed to British gas.    Upon checking my credit scores, i can see this debt shows up as settled and closed in 2016. Started in Dec 2015 and closed in July 2016 with £0 balance.    I have no recollection of owing anything to British Gas. It's a very small amount (around £40) but it has been bugging me.    Any idea if i should be paying this company?    Thanks for all your helps in advance. 
    • The company is called Ideal Window Solutions Below is a response from the manager to a request to cancel, them having cancelled the fitting on at least four occasions. In June it was arranged they would start at the beginning of August and each date they promised they have cancelled. .  I have been informed by the office that you said you want to now cancel after telling me that you will see it through till October. If you do cancel, as I mentioned to you, there will be financial penalties due to the fact that you have signed an official, legally bounding contract to supply and fit new windows. I mentioned to you that the glass has already been delivered and all other costs associated to putting your contract in place. If you cancel we will be looking to recover this from you. I don’t want this this to happen over a couple of days, which is out of our control. Can you please reconsider and get back to me.
    • Meanwhile Drakeford gone into full control freak mode,  on Wales Firebreak banning sales of all non essential goods whatever he means by that   https://www.dailypost.co.uk/news/north-wales-news/fire-break-ban-supermarkets-like-19141351   Can't see how he can ban online sales but he will try.
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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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SAR's replies - ish


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Hi all, quick comment, I sent off the SAR letter to 8 companies and included the £1.00 postal order on 23 March 2009. They're just starting to come back!

 

3 of them, (GE Money, N Rock and HBOS) have all stated that the information is £10.

 

N Rock have sent details under section 77

 

HBOS says request won't be processed until they receive the £10

 

As do GE Money

 

Link have returned some paperwork but it seems to be lacking somewhere.

 

In addition, there's a company on the net who do not charge any upfront fees, they inform you if the debt is unenforceable, you then have a choice - do it yourself (whereby you purchase the info)

 

Or, they do it for you for a fee. But at least you get to know if you have a case without parting with any cash.

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Hi Cattz....I think you may have confused a SAR (Subject Access Request) - which is used to supply ALL the information they hold on you (this does cost £10) with a CCA request Consumer Credit Agreement request....(this is used to get the creditor to send a copy of your agreement) and this does cost £1.....

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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SAR fee £10

CCA fee £1

 

Stay well clear of such companies that offer that kind of service, you can do it with advice from here for free.

"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

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Oh B*gger! Knew I'd cock it up somewhere along the lines. My head got totally frazzled :confused:

 

I'll send off the £10 - or should it be £9.00 as only one of them returned the postal order :-)

 

Thanks for getting back to me

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Hi all, quick comment, I sent off the SAR letter to 8 companies and included the £1.00 postal order on 23 March 2009. They're just starting to come back!

 

3 of them, (GE Money, N Rock and HBOS) have all stated that the information is £10.

 

N Rock have sent details under section 77

 

HBOS says request won't be processed until they receive the £10

 

As do GE Money

 

Link have returned some paperwork but it seems to be lacking somewhere.

 

In addition, there's a company on the net who do not charge any upfront fees, they inform you if the debt is unenforceable, you then have a choice - do it yourself (whereby you purchase the info)

 

Or, they do it for you for a fee. But at least you get to know if you have a case without parting with any cash.

 

As stated by 42man above, the CCA costs £1 and the SAR costs £10, perhaps a little confusion there.

 

The government (OFT, FSA, TS et al) are screaming on at the moment about these companies and what they claim they can do, I would doubt very much that the statement highlighted in red above is correct, it seems very much as if they will commonly tell you that in their opinion the agreements are unenforceable, but if the creditor posts a defence to your subsequent court claim, then they will withdraw immediately.

 

They do nothing that CAG and similar don't do, with the exception that CAG and others don't charge and instead of offering sales driven information, you wouold be given the opinions and experiences of people who have actually been where you are

Hope this helps

 

 

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Please note: i am not a qualified lawyer, any advice is offered in good faith and is based on my own and others experiences and a penchant for research and a desire to help others to empower themselves

 

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