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    • so... I am back again     quick recap: I rented a van using Hertz; the clutch burned out after only 6 miles; Hertz tried to get £850 from my c/c (thankfully I used a virtual one); a debt agency sent me a letter asking to pay £1000+ that ignored.   30 days ago I requested an SAR to Hertz and, so far, I have not received anything (no via post nor via email). As far as I know they are obliged to fulfill my request and I don't want to send them a reminder. Can i open a complaint to the ICO? do you advice me to to that or should I wait more time?   Thanks,   L.
    • Here is the list of letters with dates & amounts. Hope it all makes sense;   1) Email Invoice 26/03/2019 - $14,725.00   2) Pre Protocol Letter 19/06/20 - £9426.41. the GBP rate in the letter is £1 = $1.667AUD so this amount is $15,713.83   3) Deed of Assignment 21/07/20 - $14,725.00   4) Claim Form 11/09/20 - Particulars Claim £8,046.45 <--- this says by deed of assignment. If I use the rate stated in the letter pre protocol £1= £1.667AUD this = $13,413.43 This bit states daily Interest rate up to the date of judgement or earlier payment at a daily rate of £1.76.   At the bottom of the page there is a box with the following: Amount Claimed - £8988.21(if I change that to the AUS Dollar using the rate stated £1 = $1.667AUD the amount would be $14,983.34).   Court Fee - £410 Total Amount - £9398.21   Hope 
    • I'm well impressed with NZ Got a real person in charge, who deals with real world issues in a real world way. Even better than Sturgeon.   Way past time we threw the political elite like Johnson, Farage, Corbyn, Rees-Mogg and Gove out into the street and had them supervised while they swept it and did an actual service to the country.
    • Hello, thank you, I had it marked as due this Friday on the calendar.  My only defence is that I have a really acute kidney infection and infected cellulitis in my leg, last week has just been about survival although I doubt it will matter.  Can I file something late do you know?  Crikey life’s a bit of a bucket of muck at the minute 
    • ROFL Deals with the EU is going to be a prime mover for years to come, whatever could make you think otherwise - it is, soon to be was, was our biggest, most profitable, and soon to be seen as most necessary market for all but the Singapore-on-Thames profiteers.   Thats what you get when you listen to International profiteers lies masquerading as nationalist jingles.
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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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eBay & iQor - Under 18 - Help Please :)


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I have quite a few websites that I own that dont have any income streams, but I would like to do one that can earn me a little bit of money to see me some luxuries etc. but cant because all merchants require 18+

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You could be held liable for damages under misrepresentation/fraud but as you effectively cancelled the account and contract it's unlikely they would be able to enforce anything.

Edited by Crapstone
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Just got this back from Consumer Direct:

 

Dear Mr XXXXX

Thank you for your enquiry to Consumer Direct dated XX/06/2009. Your reference number for this case is XXXXXXXX and should be quoted in all further correspondence regarding this case.

 

From your email it appears you are trying to determine what your next course of action should be after, being threatened with court action by a debt collection agency, despite being a minor.

Based on the information you have provided the key legal points in response to your enquiry are as follows:

 

First I would clarify that only a court could order anyone to pay a debt. To get such an order the claimant (e.g. the collection agency) must provide proof that you owe a debt, and that they are entitled to recover that debt.

 

Generally speaking, consumers will be bound by the contract they have entered with the trader. There are some exceptions to this rule - minors being one of them. Someone aged under 18 can only be bound under certain contracts, e.g. for 'necessaries' or 'beneficial contracts of service'. These might be thought of in terms of the types of things it is normal for such persons to buy. The most obvious might be things like sweets or bus travel to school, although nowadays the scope of these might be broader and include things like computer games or mobile phone credit.

 

At this stage, as you particular situation could become complex, we would consider referring the case to Trading Standards for further advice and, if possible, assistance. To do this we would need the consent of an appropriate adult (i.e parent or guardian) your full address and telephone number as any assistance would come from your local Trading Standards authority.

Therefore if you could ask and appropriate adult to contact Consumer Direct quoting the case reference number, we should be able to arrange further advice and possible assistance.

Thank you for your enquiry.

 

I shall follow their advice and update you in due course :)

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A lot of people that work for Consumer Direct come from Trading Standards backgrounds and reply is correct.

 

Did you declare tax on your 'earnings'? One thing you should know is that it's not uncommon for adults to sign up and then try to pass it off as a contract made by their children which they were unaware of and are not liable for. They've heard it all before and in a recent case a person was prosecuted for selling goods on E-Bay that they didn't have but tried to blame their teenage son. It didn't take long to track the money down and the process involved.

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Any update on this Parsons? I am following with intrigue.:)

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Hi Freaky & Guys/Gals :)

 

Sorry not updated this, been busy doing other things amongst getting advice about this, I contacted TS and they made contact with iQor to inform them that the case is now udner investigation, and that I'm under 18. Apparently they are being co-operative...funny now that an official body gets involved they play by the book.

 

They also going to investigate into eBay/PayPal regarding their duty to ensure members are over age and the user policies on accounts such as DP procedures.

 

Will update you in due course, as soon as I get news :D

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