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    • Thank you Bankfodder.  I used the term frustrated agreement purely based on my own research and what I found on the Govt's website, especially in relation to Covid.  My situation appeared to fit but if it doesn't, it doesn't. The length of time the actual works themselves will take is not written into the agreement but I was told 2 weeks, they are doing the interior ceiling and electrics too. I was prepared to accept the new date of 7th Dec until I was told I couldn't speak to their Director for two weeks and then found out that they haven't applied for building regulations yet, this is something else they are doing on my behalf.  As they can't order anything until they have the regs through I can't see how the roof is in the process of being made (which is what they keep claiming). I contacted the CAB as I wanted this wrapped up for the weekend and had two conflicting recommendations on this forum.  One to just let the credit card company handle things and others saying I must give more time.  I'm not complaining, am grateful for advice - just getting more and more confused as to what I can/can't do. If I can avoid it at all I would rather not go through another 6 weeks of this, waiting for them to prove that they can't manage the Dec.date.  By that stage it could well be feasible that the roof is in the manufacturing stage, where as at the moment it can't be, which would further complicate things. Based on all this and what the CAB said I sent the email below last night and received Homeview's response this morning. If it came to it that I retracted what I've said and allowed them to go ahead for 7th Dec. and they didn't manage that date, wouldn't it be the credit card company that would recover the deposit - not me?  BTW I raised a dispute with Capital One last night. Email.pdf
    • oh dear  i think you are in for a big shock   i doubt very much the loan is settled there will be £100's in unlawful fees i bet   we have numerous threads here about them in 2016 they were residing at   PO Box 1044 ipswich IP1 9YA   i would be sending them an SAR  don't ever ring them.   have you checked your deeds online recently? check they are on there. and has the loan ever been subject to legal action?   if not that would be a rare thing to us.   https://cse.google.com/cse?cx=partner-pub-8889411648654839:3134625398&q=Skye Loans&oq=Skye Loans&gs_l=partner-generic.12...0.0.1.951169.0.0.0.0.0.0.0.0..0.0.csems%2Cnrl%3D13...0.0....34.partner-generic..1.0.0.1dXrS2w9t2c    
    • doesn't say will anything. read it properly and carefully.   only the owner of a debt can get one of the many fake/tame paperwork only solicitors to issue any proceedings and they would have to abide by the courts pre action protocol of 30  days letter first!   as it's owner...i can try and instruct my dog to sit, if it does is a totally different matter. if my neighbour, who doesn't own my dog, tries it, it would ignore them.   the bottom line is there is nothing anyone can do to you. gyms don't do court gym debts don't appear on credit files.   any DCA they might get to write to you ARE NOT BAILIFFS any a DCA has ZERO legal powers on any debt, no matter what it's type.   dx    
    • This letter arrived in the post today, please advise how to proceed. I know the forums say they won't action but am very worried about this
    • go save his bacon clint and put him right...   dx  
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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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The MP who claimed for a new heated pipe under his tennis court--id give him some xxxxxx heat -the electric chair.Exscuse me just letting some steam off.Anyone else .

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I'd give him a hand:

 

Obtain super strong hairgel.

Obtain MP and, using hair gel, form a Spikey style hairdo on him. Allow to settle.

Obtain some rope.

Obtain a large pole.

Tie MP to pole using rope. Ensure MP's head is at the end away from you.

Use as though one would a toilet brush.

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that reminds me I must get someone in to clean the chandelier, put new light bulbs in, repair my tennis court, overhaul the sit on mower, refurbish my house and remember to wake me up before I go to work and stop this dreaming!

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Now come on, be fair. These MPs do a great job running the country and economy. They are hard working and honest.They deserve to eat in the finest restuarants, sleep in the plushest hotels and watch porn all at our expense, somebody should stand up for them and make the whole country realise this and.................."Mr Brown, Mr Brown""wakey, wakey Mr Brown, Time to put on your make up and face the public"

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Fuzzy bobble in the making.

Edited by The GodMother

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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I still think chopping off their heads and leaving them on public display by the Tower of London is a good idea...

 

However they will probably let some resign by taking ownership of the old rotten boroughs, Chiltern Hundreds comes to mind here.

 

Pity we can't all have moats and dump the doorstep collectors in them!

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MPs expenses: there are honest politicians after all - Telegraph

 

There are a few MP's not taking cos they can(incl. David Howarth(LibDem), Cambridge---see above)

Kelvin Hopkins(Lab), Luton North

Martin Salter(Lab), Reading West

Adam Afriyie(Con) Windsor

Geoffrey Robinson(Lab) Coventry West

Philip Dunne(Con) Ludlow

Ed Miliband(Lab) Doncaster North

Teresa May(Con) Maidenhead

Anne Widdecombe(Con) Maidstone and the Weald.

 

Not all of them are dodgy but so far less than a dozen seem to be ok. There are over 600 MP's.

Wonder who's next for stoning in The Telegraph ;)

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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I am so angry about all this, I don't know were to start.

 

Oh, I've been caught, it must be an accounting error !!

 

Error be dammed, if you and I were caught fiddling benefits, we would be fined, have our money stopped and probably thrown in the clink. What goes around should come around to these pathetic parasites

 

:mad: :mad: :mad:

 

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I think the Fraud Squad will get involved. This is blatant fiddling.

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I am just wondering how many years this has been going on.But for the Freedom of Information act, MPs would never have been required to itemise what they had spent taxpayers money on.A third MP, the Tory backbencher Anthony Steen, claimed tens of thousands of pounds for his country mansion, including expenses for looking after 500 trees.500 trees-my local park hasnt that many.Hope his no doubt got one 4 poster bed gets woodworm and collapses with him in it. At about the era of Cromwell, a man of the people with a company of pikemen would have ridden in and stormed this nest of rats, some of whom would have had their heads stuck on a spike. Now, however, we are a democracy, which means we are completely at the mercy of shameless yobs at every level of our lives. Let’s make the Euro poll a referendum on the outrageous antics of the three main parties who misgovern us, and elect some anti-European Union parties to the Strasbourg and Brussels chambers so the lavish gravy train expenses claimed by Euro MPs can also be exposed, and the EU parliament held to account, too.Euro MPs expenses-now that would be interesting.Winston Churchill quoted:

 

I was only the servant of my country and had I, at any moment, failed to express her unflinching resolve to fight and conquer, I should at once have been rightly cast aside.

 

Well everyone now its time to cast these cheats yes cheats aside for dragging the whole foundation and history of British Politics into the GUTTER.To my mind, the big question now is what are our Euro MPs claiming? Should this not be revealed also? In 2007, our government ploughed £9billion of our money into the EU and received only £4.3billion back. Is that value for money? I do not think so. How much of this was paid in MEPs' expense claims? Is this why the EU accounts have not been audited for the past 14 years?

817-grey.gifhttp://www.irishtimes.com/newspaper/ireland/2009/0516/1224246700653.html?via=rel

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I am just wondering how many years this has been going on.But for the Freedom of Information act, MPs would never have been required to itemise what they had spent taxpayers money on.

 

As I understand it, it started in the 80s when in another recession the MP's took a pay freeze to show the people they were feeling it too. The expenses thing was brought in to 'make good' the deficit and help them though the hard times. Most of those MP's have long gone and the next 'intake' have just taken it for granted and us for a ride :mad:

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This is always worth referring to

 

 

 

 

 

Advice & opinions given by me are personal, are not endorsed by the Consumer Action Group or the Bank Action Group. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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UK Parliament - Members' allowances

The first link is one to what is called "The Green Book" and it has the one for 2006 and 2009. This is what is called the "defence" that some MP's are hiding behind.

Might be worth looking at page 4, 1.1

 

"Members of Parliament are provided with financial support in

the form of allowances to enable them to work effectively in

Parliament and in their constituencies.

Parliamentary allowances are designed to ensure that Members

are reimbursed for costs properly incurred in the performance of

their duties. They provide support for:

employing staff (Staffing Expenditure)

provision of facilities, equipment and supplies for themselves

and their staff (Administrative and Office Expenditure)

overnight stays away from home whilst on parliamentary

duties (Personal Additional Accommodation Expenditure)

communicating with constituents (Communications

Expenditure)

House stationery and postage (Stationery and Postage)

travel – between Westminster, the constituency and main

home (Travel expenditure)"

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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To add further to the post, page 6 and 7 are absolutely damning to any such defence that any MP is providing.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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It sounds like -a bit like benefit fraud a case of once youre doing it you get used to it-accept youre doing it-then brain finally says its ok and just treats it as your right to have.Probably a simplistic look at it.But we would get locked up.For a lot less.20 Years fiddling poss-def would be locked up.

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The more you read the green book for MP's the more you see how damning it is. The mortgage claims specifically is fraud. You can't blame anyone else because you are specifically at fault if you submit a claim. In most work places, even if it isn't criminal on expenses, it is SACKABLE.

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FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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