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    • Okay, so what you have to do is you have to take the money you paid to the garage which I understand is £2000. You've gotta consider that the value of the labour they put in was completely wasted because you had to have the turbo taken out and then refitted – is this correct? However, the turbo itself was useful to you and so you should be required to pay for the cost of the turbo. If this is correct and you have independent evidence that the turbo had been incorrectly fitted then you should sue them for the balance. This means that you have to find out the cost of a turbo – was it an original or was it a pattern part? Anyway, you have to find out the cost of the turbo and deduct that from the £2000 and that should be the value of your claim unless you can tell us of any other losses which you have reasonably incurred as a result of their poor workmanship. Let us know
    • Hello again! @Andyorchweve heard back about this and our buyers solicitor is asking my solicitor for either an RX3 or RX4 to be completed. Our solicitor is saying this could get complicated. Any advice? My solicitor has asked me to look into anything I find 🤷🏻‍♂️
    • But you sold this through eBay – and I thought that the details of any item sold through eBay and sent by means of Packlink were automatically communicated.?? When does the 14 days expire?
    • Thanks for your comments. In my case, it was behind Manchester Piccadilly Station; do bylaws apply there, or only in airports?   I've now just seen that the IPC is quoting the Ward case (https://theipc.info/brandings/2/resources/documents/Marking the lines v1 14102019.pdf page 16)  and presumably based on that, UKCPS has issued my No Stopping invoice.   In any event, appeal or ignore?
    • I did state the value of the item but not stating it was a laptop.   The Judgement needs to pass the 14 day mark in order for me to submit, as it currently does not allow me. So I am waiting for this period to end.
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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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B&Q aka GE Capital Bank

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Hi everyone, has anyone any info on the enforcability of a B&Q homeplan or Storecard agreement?


I have 3 such agreements all taken out before 2006, there seems to be something missing in the signature boxes.


Also, 'Your right to cancel shall not apply if this agreement is signed on B&Q premises' is on the agreements.


On 2 of them it states, 'Your Initial spend limit £xxxx' and on the other, Homeplan authorised spend limit £xxxx


Bearing in mind that 2 of them were those, 'Open to spend' agreements, ie. 9 months interest free, then whack the interest on if not cleared



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It would help if you could either scan or take a digital photo of the agreements and upload them to the website.


That way people can have a look at the agreements and give you advice.


It's almost impossible to say an agreement is/is not enforceable without seeing it.

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HI cattz,


For a running credit agreement to be enforceable it must have the credit limit (or how this will be determined) the APR and the repayments.


All three of the documents you posted do have all three of these things on them so they will be enforceable.

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