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    • scan up the agreement to PDF  read upload carefully please   easy peasy if you have that   dx  
    • Understood. Maybe as a first step it would be a good idea to write to Amazon and tell them that I would have selected the prepaid hermes drop-off option, like I always do, but I wasn't able to as that option wasn't available for the laptop. Additionally, after Hermes not collecting the item on two consecutive times with the Hermes home pick-up option, I was advised by a customer service assistant to organize the return myself as there is no point in choosing the home pick-up service for the third time. Following his advice and returning the laptop myself being the only available option to send it back to Amazon, I have decided to organize the return myself. I was told that I can use any of the shipping services. To quote I was told: "I could only find the pickup option. So you could arrange your own return using parcel monkey: www.parcelmonkey.com or any similar service. Keep the receipt and send it to: ...url... And we will refund you the postage fees". I didn't get any other instructions and I did what I was told by the assistant to the letter.  What else should I add? Should I mention anything else?   I understand that. I am not afraid of that, I do think that nothing protects them from having to compensate a consumer where they have failed to take reasonable care in performing the contracted service. They have a general duty of care, and they have also failed to provide the service paid for. I really hope that the judge sees it that way too. But maybe Amazon realize the mistake they made and I won't have to sue Hermes. To be honest I think it is disgusting what they do... There is no way to lose a package of 70X40X15. It is way too big. And what are the chances that they lose another package of mine that I send with the laptop at the same time? Obviously someone stole them. What else could have happened? How can they not find the driver who was responsible for the package at the time of moving it from the ParcelShop to the sorting warehouse? And if something happened to the car/driver, it must be logged somewhere. And I would like to see that log (I actually asked them to provide that in my last letter). The whole thing is just unbeliavable.
    • if other details match and this is as a result of say a marriage then yes. CCJ's are not against an address.    
    • Thanks DX and BN.   He did keep saying he’s done loads of parking cases in the past, over the 10 years he’d been doing it, so as you say he’s bound to have come across VCS stuff before isn’t he.   hopefully that’s the case then he just wants to go through it in a bit more detail. Either way you have given me a lot more confidence again now thanks.
    • From Alasdair Macleod , 40 years in stockbroking and financial  analysis  The Eurozone is bust. The deterioration of TARGET2 imbalances have been hardly noticed, but in recent months it has been alarming. Despite official denials over the years that it is a matter of concern, it is increasingly obvious that the national banks of Italy, Spain and other nations with increasing bad debts are hiding them within the TARGET2 system. The first wave of Covid-19, which is leading to bankruptcies throughout the Eurozone, is now being followed by a second wave, which will almost certainly take out a number of important banks, in which case the cross-border euro system will implode.   https://www.goldmoney.com/research/goldmoney-insights/the-destruction-of-the-euro
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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
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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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My husband and I can no longer afford to repay our debts. We have been paying Payplan for more years than we care to admit but haven't even begun to make a dent in our debts.

 

Today 2 men came to the door and presented us with a Charge for Payment of Money for the amount of £3482.60. We called the company concerned but they want a payment of £300 before they will consider a repayment plan. We simply do not have this money.

 

I've emailed our Payplan advisor person to ask him how we get the Sequestration ball rolling but thought I'd post here too. We know Sequestration is going to be hard but we have no other way forward, our debts are huge, we can't afford to pay them off and have realised Sequestration is the only way we can even begin to get things back on track.

 

Thanks for reading, does anyone have any advice? Has anyone gone down the Sequestration route?

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Posted this on another board but realised it was in the wrong place.

 

My husband and I can no longer afford to repay our debts. We have been paying Payplan for more years than we care to admit but haven't even begun to make a dent in our debts.

 

Today 2 men came to the door and presented us with a Charge for Payment of Money for the amount of £3482.60. We called the company concerned but they want a payment of £300 before they will consider a repayment plan. We simply do not have this money.

 

I've emailed our Payplan advisor person to ask him how we get the Sequestration ball rolling but thought I'd post here too. We know Sequestration is going to be hard but we have no other way forward, our debts are huge, we can't afford to pay them off and have realised Sequestration is the only way we can even begin to get things back on track.

 

Thanks for reading, does anyone have any advice? Has anyone gone down the Sequestration route?

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i'll be honest and done it years ago and which i hadn't but now done and dusted

 

without knowing what types of debts and amounts, if you have any assetts can't really advise what options you have,

 

but 14 days from your charge of payment you will be apparent insolvent in which you can file for BK and will cost £100.

 

Ida x

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Hi Ida and thanks for replying.

 

We have no assets, no savings, no shares, no policies. We do have 2 cars but both are old bangers that cost next to nothing and are essential as we live in the sticks.

 

Our debts amount to over £20,000. We have tried to pay them off but can't afford to give a lot to Payplan so we haven't really been making much headway.

 

Can I ask why you regret it? We were going to do it a couple of years ago but decided against it, we now wish we had gone ahead. The stress of all this is unreal and in some ways we are relieved that this Charge for Payment has come, if we don't pay within 14 days we have discovered it can be used as proof of apparent insolvency.

 

I'll look at the Time to Pay document and show it to my husband.

 

Thanks again.

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Hello

 

Is the sheriff officers Scott & Co?

 

What you need to do is start them off with a verbal income exp, What they will be looking for is how much you earn, this is to determin how much they can arrest from your wages, what your looking to do is offer just over what they can arrest and this will be accepted on the spot, the only reason they are looking for an upfront payment, the agent that you speak with only gets commission on credit or debit card payments hence the reason for upfront payment, first of all these guys are,nt born yesterday, they prob have a note of who you bank with already and possibly who you work for, if they don,t they will want you to supply these details before an agreement is set up. go to this link below to see what they can take off of you

Earnings arrestment - maximum daily, weekly and monthly deductions from wages

 

is this around 3 yrs past council tax, what about the current year 2009/10, have you an agreement set up for this? if you are paying this years, I would draw up an income/exp to show this and to offer only what you can, they will normally accept it in most cases, reason being they are working on behalf of the council, and this years council tax is the most important thing for the council to get paid, the best thing to do is get and keep in contact with the sheriff office company, and remember you are only speaking to a collection agent at the other end of the end, they always like to think they are in authority.

 

If a verbal offer is not accepted you will need to put in writing, the only thing you can do wrong is ignore them, technically your bank account can be arrested and wages arrested after the 14 days have elapsed, they do not normally act this fast though, they will prob have who you bank with due you having dd set up with the council at some point.

 

To sum up get an income/exp drawn up Mortgage/rent, food, travel, insurance, ctax for this financial yr, any hp or car payments, try adding a little extra on, other things like sky tv and lux items will be scoffed at or creditcards, they see themselves are the main creditor behind your mortgage company due to the charge for payment.

 

I read that you have no assets, would you consider BR? once the 14 days has passed on the charge for payment you can pay £100 each and petition for BR, this would wipe out all your debts including ctax up to the date BR was granted, this sounds like the best option for you, I would always say you need to speak to a money advisor or prof help before going through with it.

 

Hope this helps

Edited by PCPFORMULA3000
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The company is Striling Park. My husband spoke to them and they are adamant that if we don't pay the £280 they will arrest his wages. He is going into work tomorrow to talk to his boss and warn him this will very probably happen.

 

The arrestment won't be huge but we have honestly had enough, this is simply the straw that broke the camels back. We know we should never have got into the position in the first place but life happens and things get out of hand - in our case in a huge way.

 

We would go the BK way it has got to that point. I have downloaded the necessary forms and we're reading our way through them.

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Hello,

 

When the charge for payment 14 days runs out you can then send out your br pack to Accountant in BR with a copy of the charge, please seek some advice on this though, remember if you have any money in bank accounts this will be frozen, you could write to your bank now and ask if you can keep the account open. At the end of the day you have everything going for you regards assets etc, you have nothing to lose....

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everyone is different so you if you have a read over the links it will give you an insight to what is involved.

 

your local trading standards might have a money advice service and you can make an appointment with them ad they can go over everything with you and help you file the BK if thats what you choose to do.

 

Ida x

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Well done for taking the bull by the horns since you've realised the debt management plan is barely reducing your total debt. Did Payplan manage to get your creditors to stop adding on interest and charges? I presume not if the debt's hardly going down.

 

There's also a DAS scheme in Scotland (Debt Arrangement Scheme) which can be done through your local CAB or Trading Standards Department which does freeze interest and charges and I wonder if you've considered this.

 

Sequestration (and possibly even Trust Deeds if you live in Aberdeen) will cut down any wages arrestments even if Stirling Park do know where you work so that would be the end of that concern. Which bank(s) do you have current accounts with, and are they in overdraft? It may be worth opening a new basic bank account with an insolvency-friendly bank such as Clydesdale or Co-operative who do not freeze or close bank accounts upon their customers' insolvency.

 

http://www.aib.gov.uk/MainNav/Services/debtorportal

 

I would also suggest calling one of your local Insolvency Practitioners or money advice teams who will give you impartial, confidential advice which is best suited to your individual circumstances. Try googling DEBT ADVICE in your area and go to see someone in your area who can give you best advice.

 

If Trust Deed or sequestration turns out to be the best option for you, then this is certainly not the end of the world. The legislation is there to help people like yourself who have got into difficulty to give you a fresh start.

 

Good luck.

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Thanks for all the replies. We'll be making an appointment with our CAB asap and discuss with them the way forward.

 

Payplan advisor phoned me after I emailed telling him what was going on and he was less than helpful "we don't deal with this, I can't help you". He did say though that it looked like the best thing to do.

 

Council Tax is a major pain, we pay what we can when we can but its never enough. We earn too much to qualify for CTB but don't earn enough to pay the bill and eat, pay rent etc.

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Council Tax is a major pain, we pay what we can when we can but its never enough. We earn too much to qualify for CTB but don't earn enough to pay the bill and eat, pay rent etc.

 

I think many of us are in exactly the same position

 

Ida x

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