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      We had a 10yr  finance contract for a boiler fitted July 2015.
       
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      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.
       
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      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
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Thomas Cook - Holding responses - any opinions?


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Had a crap holiday in May - I won't go in to details at this point, other than having to endure 40 degree heat with broken aircon (despite being reported daily), broken (therefore useless and dangerous) cot, and the bathroom ceiling collapsing....

 

Anyway, it was booked with Thomas Cook but it was a cosmos holiday. I've complained to Thomas Cook and got a holding response. I then sent them a letter before action, and got another holding response. Whilst I can appreciate they need to communicate with cosmos this has gone on far too long now with no tangible information.

 

How do I proceed? I am quite ok with issuing court proceedings but do I claim the entire cost of the holiday etc?

 

Any help would be appreciated. Thanks.

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Have seen on another site a similar situation. When they went to court the Judge threw their claim out and told them that they should have taken action against third party. This was because they had provided the holiday. Who they booked through had nothing to do with it. There are different rules for travel agents.

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  • 3 weeks later...

Issue proceddings, that if nothing else will speed up the process. It will also ensure you get a refund, these large companies will not want to go to court for such a small matter. Claim the lot as well.

Call their bluff.

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IMHO, I would suggest that the company you go after is the company to whom you paid the monies for the holiday. If it was TC, then I would issue against them and make mention in the application to issue, the Vicarious Liability rule. This is to cover the fact that a third party supplied the holiday. If the court find in your favour it will then be up to TC to recover their monies from Cosmos. Incidentally, I was under the impression that Cosmos was owned by TC. Just a thought.

If your whole holiday was ruined , I would go for the whole cost of the holiday.

 

Cheers - Scousegeezer

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  • 2 weeks later...
  • 1 month later...

If you want to save yourself some money, dont issue against TC, issue against Cosmos.

 

TC are acting in capacity of agent for Cosmos. You may have paid your money to them, but it is paid on to Cosmos. Cosmos are the Tour Operator and it is the TO you need to sue.

 

Hope im not too late wiht this.

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