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    • Vahghan Gething given a roasting by Kay burley over whether a hairdryer is essential.  It gets worse in Wales   https://www.dailymail.co.uk/news/article-8871385/Welsh-ministers-flounder-try-defend-new-shopping-rules.html
    • Also to add, that if you feel that you have lost confidence in the company and you don't want to proceed with them at all, then you should simply give them a seven days notice to complete the installation or else the contract is terminated and if they attempt to give you anything less than a full refund, that you will sue them in the County Court. So there you have two alternatives. One if you want to proceed with them – subject to them getting the work done, and one if you decide that you don't want to go ahead with them. Frankly it looks to me as if they've been leading you around by the nose and I find that their attitude – especially towards the admin fee is outrageous
    • I would add to the above suggestion by my site team colleague 14 days may be a bit too long considering how long you have had to wait so far. I would suggest seven days. I think you should also say something about what is going to happen if they give you a date which you consider to be unreasonable. Although you don't fix a date at the moment, I think you should warn them that if you consider that their completion date is unreasonably tardy – given the fact that this matter is being going on several months, that you will notify them that the agreement is terminated. You should warn them also that in that case, you would require full reimbursement and you reject any suggestion that they are entitled to administration fee and that they should understand that you are prepared to litigate on this matter if necessary.
    • thats good news you've not moved.   if BG were even remotely concerned about this they would have written to you themselves. and as this is very historic and BG obviously haven't written ever, it will be subject to the back billing rules.   bottom line is it's dead and most certainly cannot now magically appear and ruin your CRA file.   very safe to simply ignore totally esp as the powerless DCA's client is the Original Provider.          
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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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Internation Correspondance Schools court summons


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Hi,

 

I received a letter from ICS regarding outstanding debt, I missed a couple of payments, settled them, missed a third, it was passed on to a separate collector and I agreed to repay the amount I owed. Now I am spreading this over a course of months, £480 total at £40 a month. They've sent me a letter demanding the full remaining balance of £361 to be paid within 8 days and that they're preparing a court summons, and that I should either pay up or seek legal advice.

 

They say I signed a credit agreement, as far as I was aware they'd only set up a direct debit, there was no credit check performed and no credit account is open on my Experian report.

 

Where do I stand with this? I cannot afford to pay that much up front.

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if you didnt sign a cca agreement and they said you did then you need to demand a copy of the agreement, there are letters in the template section to ask for copy it cost £1.00

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Ok I've phoned the number on the letter, the automated message says "Thanks for calling Clarity"... and it was all set up online.

 

I'm guessing Clarity are some kind of agency, would they be accommodating to arrange a repayment plan... or is this "Preparing a Court Summons" beyond that.

 

Thanks!

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What happens in the meantime... I apparently have eight days from the date of the letter (15th) to make payment... its going to take longer than that to put a request in.

 

This is all too much.

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clarity are a dca they will not take you to court all they will do is try to screw as much money in the shortest possible time out of you..send the formal request and wait

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What happens in the meantime... I apparently have eight days from the date of the letter (15th) to make payment... its going to take longer than that to put a request in.

 

This is all too much.

this is what is known as a threatogram it is designed to unnerve you and is obviously doing so...calm down take a deep breath...these idiots will not and cannot take you to court..put them on notice by writing for your cca that you know your rights

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thats ok, just take the advice..never talk to these people on the phone..demand everything in writing..that way you have a paper trail..you will probably receive a letter saying account on hold once you have sent cca request... it is normal as are the threats

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