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    • I had the same turbo refitted properly for about £180 I think.thats it, yes.
    • My neighbor just has the invoice from the plumber for the work done and materials supplied. The cylinder has a prominent large orange label that clearly states  '10 Year Warranty'' and there is no further qualification. No other paperwork was provided.  So the man on the Clapham Omnibus would expect that they had the benefit of a 10 year warranty as sated on the tin.   The '10 Year warranty' is standard, provided with the product, and was clearly aimed to win sales.   The manufacturers web site does currently list T&Cs that qualify the warranty, We don't know if these T&Cs are as they were 5 years ago, or if they have been changed   I have to say that the manufacturer appears to be very unsophisticated, their correspondence is far from professional, as was their telephone manner. This may be endemic to the industry as one of the competitors web site has a product page with a large clear bright image stating 10 Year Warranty, then within the product description (smaller print) it lists '5 Year manufacturers warranty'. Not sure what trading standards would make of that.   Thanks again    
    • By the way, have we checked that you did declare that it was a laptop and that you declared the correct value? Did you apply for the judgement yet?
    • You won't get any compensation for the the screeching.    you will have to find out what the reasonable cost of fitting a turbo would be and then that will probably be the value of your claim. Does that take care of all your losses?
    • Credit card was used maybe in 2014 last. then i was only repaying min. payments till 2016 but this was killing me and I had to stop. On credit reports shows both credit card and overdraft as HSBC accounts.    So if account is defaulted in 2016 would it disappear from credit file after 6 years or will stay there until is paid off?    I really thank you for your time.  E. 
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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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I have a collector from a company stating log book loans i bought the car last year from some guy in good faith now i have a knock on my door from some guy stating that the car belongs to log book loans and not my self can anybody hep

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I beleive that only the law can make you hand over the car, tell him you want irrefutable proof in writing and that you will consult a lawyer and the police.

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Give him nothing if he tries to take the car, ring the police and report him for attempted theft.

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can you get into the car and drive off? preferably to the police station?

Lula

 

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I beleive that only the law can make you hand over the car, tell him you want irrefutable proof in writing and that you will consult a lawyer and the police.
thanx for the response he as copies of paper work with a courts stamp i have the police coming they say its a civil matter but this guy says its not and that log book loans owns the car
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what does the paperwork actually say?

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is he a bailiff? is he registered?

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have your paperwork for the car ready showing the previous owner, does the paperwork say that the previous owner bought the car from these people?

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what does the paperwork actually say?
just as the previous owners details and how much he owes them this guy says it some thing to do with buyer something i not sure he wont pass it over to me
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So he has no actual court paperwork for this vehicle?

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have your paperwork for the car ready showing the previous owner, does the paperwork say that the previous owner bought the car from these people?

 

he says this guy got a loan from them used the car to secure it basically he say this guy sold them the car

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So he has no actual court paperwork for this vehicle?

he only as copies of not auctual paper also not sure if it is court papers or just the company papers with a court stamp again a copy

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who has the V5? you do, it is your car?

Does he have a court order, saying that he has the right, given by the court, to say that he can take the car? If he does have a court order, is he a court certified bailiff? what is his registered number?

Lula

 

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you need to see those papers, he is probably just trying it on

Lula

 

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is there anyone else here who can help, I am out of my depth

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who has the V5? you do, it is your car?

Does he have a court order, saying that he has the right, given by the court, to say that he can take the car? If he does have a court order, is he a court certified bailiff? what is his registered number?

 

he not court certified bailiff seprate company

 

 

i have the v5 i have owned th car since last july they say they only had these details passed to the this may

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only a court certified bailiff has the right to remove the vehicle, tell him to leave your property as he is trespassing, is the car on your drive or the road?

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I have to say that this is way out of my comfort zone, I am just trying to help you get rid of him, i dont think he has any right to take anything from you, he has no contract weith you it is the chap thpat originally took out the loan from them that he needs to persue, not you.

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only a court certified bailiff has the right to remove the vehicle, tell him to leave your property as he is trespassing, is the car on your drive or the road?

 

the car is on the road

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but they dont have a key or the V5, tell them to go away

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but they dont have a key or the V5, tell them to go away

 

he saysing he will smash the window if he as got to also just been on thphone to law centre they are looking into it for me now but they say he as got to have some papers from the court and i have to have noticefied before he can take the car but they are just checking on it now to make sure thats the right advice they have given me

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I am not even sure that they hold a valid Credit Licence now, ask to see a copy of that, tell him you are going to report his company to Trading Standards and the Office of Fair Trading who you know is looking into LBL's fitness to hold a credit licence. See what he says to that :-)

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he saysing he will smash the window if he as got to also just been on thphone to law centre they are looking into it for me now but they say he as got to have some papers from the court and i have to have noticefied before he can take the car but they are just checking on it now to make sure thats the right advice they have given me

 

OK RING THE POLICE IMMEDIATELY AND SAY THAT HE IS THREATENING YOUR PROPERTY AND POSSIBLY YOU ARE IN DANGER TOO

Lula

 

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OK RING THE POLICE IMMEDIATELY AND SAY THAT HE IS THREATENING YOUR PROPERTY AND POSSIBLY YOU ARE IN DANGER TOO

thanx lulu he is sat in is van now waiting for the police to arrive given me just enougth time i hope to get armed with more information i the guy is all chaved up not even a suit or clip not even seem any id

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