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    • 'What the dickens' say the Mp's who voted for children to go hungry: Hundreds of thousands sign petition against using public money for MPs’ food after free school meals vote https://www.independent.co.uk/news/uk/politics/petition-mps-food-public-money-hundreds-thousands-free-school-meals-vote-b1260071.html   https://you.38degrees.org.uk/petitions/stop-mps-entitlement-to-free-work-meals?share=3354a99e-e374-402c-a0cb-ba21447ef0c9&source=&utm_source=     https://www.charlesdickenspage.com/twist-more.html
    • I took my 14 year old daughter to a no obligation studio photo shoot after she replied to an online ad for potentital models to send in a selfie. My daughter was told that she was selected out of thousands of applicants and had won a place to attend the photo shoot at "Hype Digital" studios in Birmingham but I would have to pay a £50 deposit to secure the palce. I paid the deposit on my credit card. The photoshoot took about 4 hours with my daughter expected to change in between shots behind a flimsy curtain in the same room as hair and makeup was being done and other people were waiting. It all looked a  bit makeshift as though the studio had been hired for the day. After the photo shoot we were taken into a side room to get the results. We were given the impression that Emma (my daughter) had passed the test and she could now become a top model but I would need to purchase one of their portfolio products to progress her modelling career otherwise the photos would be deleted. The product was £2000 which I could not afford but my daugher was getting upset to think the photos might be deleted. They said I could not change my mind or cancel the order later. I was pressurised into making a decision there and then. When I said I couldn't afford it they said I could pay £200 deposit on my credit card and setup £218 per month direct debits from the same card. There were no affordability checks made to assess my ability to pay. The salesman said we would have model agencies contacting us to discuss any potential modelling work that Emma could do. After a couple of months we had no contact from anybody so I tried to get hold of the studio but couldn't get through after several attempts. Eventually I did get through to someone who said I would have to setup an appointment for someone to call me back. I waited by the phone at the appointment time but nobody called. I then researched the company and a large number of people were saying it was a scam and not to pay them anything. I submitted a dispute to the credit card company stating my suspicions that it was a scam. They refunded the following 2 months direct debit payments to my credit card and cancelled the direct debit. They said the merchant did not contest the chargebacks so I thought the contract would be cancelled as I had won the dispute.  From the 6th Sept 2020 I have been getting demands for payment by text and email from a debt collection agency called CRS (Credit Resource Solutions) demading payment of the balance of my account to the Photo Studio Group for £864. Now this has been elevated to a law firm called AJJB Law threatening legal action if I don't pay saying the next stage will be to add costs to the balance.  The Photo Studio Group  is run by Michael John Hannah who used to run Kube Studios which has appeared on BBC Watchdog for exactly the same scam.   This is a link to the Watchdog report https://www.bbc.co.uk/programmes/articles/2DJ6GCxl7JWHd08jZMb4kSG/kube-studios I emailed AJJB Law with a "prove it" letter demading they prove that I owe the money by sending the signed contract and any related documents.  They have now put the action on hold for 30 days whilst they request the documents from their client. They said the next stage will be to add costs to the debt.  I have reported this scam to Action Fraud and to BBC Watchdog and I have started a section 75 claim with the credit card company to get back the 3 intiial direct debit payments. I also got the credit card company to send me a letter stating the dispute I made was upheld and the 2 chargeback amounts were not contested by the merchant. I am worried they might add £100's to the debt in costs and get a court to issue a CCJ against me. I have never received the photos or portfolio or had any contact from modelling agencies as they promised.  I was wondering if I should pay the debt on the credit card to get them off my back and then try to get it refunded through the section 75 claim?
    • From Brexiters Rees-Mogg and Redwood - Move your financial assets to the EU while you can before Brexit   https://www.thelondoneconomic.com/politics/these-are-the-brexiteers-looking-to-secure-their-eu-rights-ahead-of-the-uks-departure-from-the-bloc/22/06/ https://www.ft.com/content/38987fe2-6f19-11e8-92d3-6c13e5c92914 (paywalled)       certainly seems that way     I don't think that would actually solve anything - the effluent would soon float to the top again in any system as there is no penalty for even blatant lies ... let alone 'the politician didn't lie, he 'genuinely thought telling the British electorate it was the right thing to do while telling his clients in his investment business to run like hell'  
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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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due to me not be able to keep up with the payments i have for loans my accounts were defaulted and sent to dca, but the amounts they sent included ppi, is there any way of getting this took of to reduce my debts

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i have 4 loan accounts, 1 credit card account, 2 hp accounts, 5 catalogue accounts, all of these are under cccs now, but i have previous loans that have been paid off but dont know the account numbers

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you need to send each one of your creditors a sar request to get these details

 

only down side it it will cost 10 quid for each

 

try phoning first and ask for the policy docs etc

 

dont tell them what you want it for, say its for your own records

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