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    • Well done on recording everything. Yes I think you have an excellent basis for claiming the cost of the tyres. Please will you tell us more about the car. What model? Who's the dealer? How much did you pay? When did you purchase the car? What is the value of the items you need to bring it up to what you consider it should have been when you bought it?
    • Hi and Welcome to the forum..   If you would name the company ? ...how you made the purchase on line or in store ? how you made payment CC or DC and then we can place you in the correct forum for further advice.   Andy
    • Please can you give us more information. What was the computer? What was the cost? Did you pay something for the five year warranty? (You should read what we have to say about extended warranties). When you say "over a year ago" does that mean one year and one day? Or 10 years? Who was the supplier?
    • Also - forgot to say: Thank you for converting the files to PDF - I'll ensure that any future files are in the preferred format.
    • Over a year ago a large computer touchscreen that I'd bought developed a fault. I bought the screen with a 5 year guarantee. The company sent engineers who after trying unsuccessfully to fix on-site, took it away for repair. The company informed me that they are unable to repair the screen and would give me a replacement. Twice now the company has brought screens which I have refused to take. They have brought battered up, scratched, dirty old screens, ex-display apparently. Not in any packaging etc.   I've been reasonable and polite and have just tried to get back to what I had, a working screen.   I know don't know what to do next and would greatly appreciate any help or advice.   I have a full email trail of correspondence with the company - they are a UK LTD company.   Many thanks in advance
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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
      • 49 replies
    • 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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Unenforceable credit agreement Credit Ratings


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I am new to this forum so apologise if what i am asking has been covered, i have read through the mass of information on here but there is a lot to take in , i am about to try and reclaim about £15k of debt from HSBC and EGG Credit cards using a recommended firm of solicitors, my main worry would be any adverse ratings on my credit history if i was successful in having my debt cleared due to the cards agreements being unenforceable, has anyone who has suceeded in having their cards rendered unenforceable recieved any negaitve or adverse credit rating? When asked on here if this may be the case this seems to go answered, is everyone in the process of doing this so there is no real knowledge as to changes in their credit rating? or have a good number of people been successful in their claims and experienced problems or been fine with no credit score being lowered?can anyone elaborate? Sorry for all the questions but i have read on a few website that the firms claim "We will take all steps possible to ensure an adverse credit rating is not made against you" , is £15k worth this risk? thanks in advance M.

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You credit rating is very likely to be damaged, if it has not been damaged already.

 

Do not use a firm of solicitors, you can do everything yourself. Certainly do not pay any sums upfront to solicitors or claims management firms.

 

The firms make all sorts of claims, most of which are bollocks [sorry for swearing].

If I have been helpful please click on my star and add a comment.

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Hi GuidoT i appreciate your repsonse, the fact i have credit cards with £15k on would damage my credit rating do you mean? i have not started any claims as yet, have your started any claims yourself?

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The point is yeahyeah that the minute you fall behind in payments they start defaulting you and that is even if you are making a good effort to pay it back. Personally I think it is worth the battle, the trouble with these companies is they don't play fair, pass your account to dca's and you find even if you are making best efforts to pay, the debt will be going up not down. If you look at my thread re:MBNA, you will find that I have just won my battle yet they are refusing to repair my credit rating, this is despite their not having any credit agreement, I am still glad I went into battle against them as I am not skinning myself by paying them £60 per month, I haven't finished with them not by a long chalk!

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miss muppet that is a very interesting post and very much appreciated, at present i am not behind in payments, just of the opinion if the debt can be written off with no adverse credit rating i will do it, if not i will persist in slowng paying back, i want a mortgage soon and do not want a hicup now, i will look at your thread over the weekend and thanks again M

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Hi GuidoT i appreciate your repsonse, the fact i have credit cards with £15k on would damage my credit rating do you mean? i have not started any claims as yet, have your started any claims yourself?

 

That you have credit cards with £15K will only improve your credit rating, however if you start to pay late then your credit rating will be affected, once you default you need to be prepared for the fact that they will play merry hell and trash your credit rating whether it is correct to do so or not. They play dirty. It takes a while to repair the damage to your credit rating.

 

The decision is yours, if you plan on obtaining a mortgage or something similar soon, then you should try to keep your credit rating as clean as you can.

 

I have no credit card claims, my claims are all bank charge related.

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I find it ludicrous that if you have credit cards it only improves your rating, i know you are correct guido, i know that without applying for credit you would have no rating, but what would happen if you never needed credit or just relied on your income etc and never liked credit cards etc, you would in effect have a poor rating, the system seems flawed but who am i to judge, i am also in the process of bank charges but i do not see much hope with that, at best i will get some overdraft fees back which will be worth while, i am becoming less inclined to start the credit card scenario due to wanting a mortage in the next 6 months or so all being well M

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If you plan on obtaining a mortgage then keep up your credit card payments, otherwise you will have great difficultly obtaining a mortgage or pay an unduly high rate. I think you know all this already though.

 

I despise credit cards, but used them in the interest free heyday (credit card tarting) and this helped build my credit rating, I have mortgages of around a £1M now all on low rates, one is 0.7% (0.2% above base with no collar).

If I have been helpful please click on my star and add a comment.

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guido you seem to have a mind for business, i have 2 business,s but i,m a little green on mortages but will soon find my way but i have good people around me thanks again, hopefully more people will post their findings and opinons M

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