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    • https://www.consumeractiongroup.co.uk/topic/408156-cabotnolans-spc-claim-old-next-cat-debtclaim-dismissed/page/4/#comments https://www.consumeractiongroup.co.uk/topic/404240-arrowshoos-spc-old-newday-aqua-credit-card-debt-claim-dismissed-no-dn/page/4/#comments default notice win  https://www.consumeractiongroup.co.uk/topic/407490-meiii-cabotnolans-spc-claim-old-yorkshire-bank-loan-2nd-claim-dismissed/  
    • It follows a public backlash after stores were told they could not sell items such as clothes. View the full article
    • With regard to your question on post 207 if you bring in the points that I made on the validity of the contract they are supposed to have with Peel holdings then mention that there are already doubts about the validity of the contracts that are being used by the PPCs and the OPS is a classic example. Once you are on there you should then try and get your other point in after that.   if it is in connection with the extra charge of £60 remind the Judge that the charge has been defined by many Court across England that the charge is an abuse of process which was covered in PE v Beavis at point 198    " The charge has to be and is set at a level which enables managers to recover the costs of operating the scheme"  IE the £100 charge covers all their expenses so nothing should be added.   as their WS claims an extra £60 that could be judged as perjurious since it is an additional sum that should be known by VCS and the author of the WS as a double recovery. Especially as they have already lost in Court for the same reason.   Another cause to prove that they do not comply with their Code of Conduct. file:///C:/Users/User/Downloads/CamScanner%2008-05-2020%2016.34.59.pdf  Byelaws are statutory not arbitrary as their WS said on no .42 .   Best of Luck.   The above URL does not work but this one does http://forums.National Consumer Service.com/index.php?showtopic=133001    [20.1 is where  VCS  lost then 20.2 where they appealed and lost again . But read the whole thread as it may help you in other ways too.
    • Sian Williams from Indonesia takes us through her week during the coronavirus pandemic. View the full article
    • stop doing nolans job for them... there are numerous threads here in the same forum yours is in     no DN info to follow   dx    
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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
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    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
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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 bought a flat three years ago and Gmac repossed it and came out with a mortgage shortfall of £65,000 i have a present property which has got negative equity.at the moment i am stuck on interest only payment.i contacted an advise company called IBAS and i rather feel they were on the side of the lenders due to the sort of advise i got from them so i wrote to the financial ombudsman for help and it took about a whole year from them to access my case.they have recently written to me that they can not uphold my complain because they feel the lenders went through the right channel to repossess that property.i now feel i have been pushed back to the lion and i am now scared and dont know what to do because i know Gmac will now know that i lost my case against them and will be writting to me shortly through their solicitors i live with my wife and children at the present property and fear they might put a charge on it.any advise from some one of what to do next.thanks rockykev

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Hi rockykev,welcome to the CAG,where you will get much help and advice as time goes by.Just wondering how you got a mortgage after being repossessed.FOS decision agreeing with lender,info about shortfalls and some letter templates here .Debt Factsheets - Mortgage Shortfalls Keep posting rockykev ,many will help you through this,best wishes Tawnyowl

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Thanks Tawnyowl for your help the property that i live in now is the old one i have and yhe new one i bought was the one which was repossessed and i have also contacted all those debt advicers but i could not get much help even the Cab

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I suppose rockykev,its just a case of waiting.The worst thing i can imagine happening is they will contact you if they know your present adress,asking for the shortfall.Perhaps then after you exhaust all the letter processes,down to you making a ridiculous offer to settle the shortfall.If they dont accept then i suppose they will try to get a charging order on your house.As you say there is negative equity, they wouldnt gain anything by trying for a order of sale,unless they waited for many many years.They have up to 12 years to go for it.If they did i suppose then you may have to face other options.You may hear from them in weeks ,months or maybe a year or two,i dont know.The best i can imagine is they decide to write it off,mmmm.My view only and wish you well.Tawnyowl.

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thank you tawnyowl you are great i am now waiting for the letter from gmac ans see what they come out with but do you think i need a solicitor at this moment

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Wait until you get a letter from GMAC then you could send them a SAR. When you get the letter come back here and we will help you with a response. Do not make any offer of payment at this stage.

 

Ell-enn

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My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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thanks Ell-enn i will definately do that as soon as i receive a letter from Gmac i do appreciate your help but keep visiting my site and as soon as any thing happens please give me the advice needed thanks

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Relax for now rockykev. When you receive any letters from Gmac we will be around to help you through, Ell-enn is brilliant at this sort of thing, so try to relax with your wife and children.:) Enjoy the holidays and the summer whats left of it. Tawnyowl.

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  • 3 weeks later...

I just read from a thread about some one asking about delays if the financial ombudsman services delays dealing with cases i have been through similar situation and have even posted a thread about it.it took more than 9 months to get to the adjudicator and at the end of the day i had a letter to inform me that there is nothing they can do about it therefore i have been handed over to the lenders and now waiting for their letter can any one also advise me whether to contact the FSA

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