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    • I've converted the images to PDF so only registered Caggers can see them - best to keep the fleecers guessing!   Excellent work, the signs are indeed total pants.   As far as you know, are these the same as what you saw?  Google Street View is often out of date.
    • I have captured the best images of the sign at the entrance to the car park that I could, from Google Street View. It strikes me that no mention/agreement of having to pay £100 could have been seen from the car.  The writing is too small.     Signs.pdf
    • My aged uncle had been paying for his TV licence by auto renewing monthly direct debits despite (despite turning 75 years old 7 years ago). My request for a refund was ignored for over a month, so I made a Direct Debit Indemnity claim and received a full refund for 7 years overpayment within the day from my bank.  It was very simple.   I then asked TV licensing for a compensation payment for the interest and they have refused on the grounds they did nothing wrong. It seems they do not take customer dates of birth. This is why  they have no idea whether their customers should be charged or whether they have reached the age for a free license.   It seems to me (especially for the benefit of old people), it would be simple to include a date of birth in the application process and therefore automatically cancel direct debits or even reject applications once they become eligible for a free license.   My question is, can I insist on interest? I understand statutory 8% interest is only an award if a judge  (at a county court etc) allows it. As I received the refund without going to court, I guess I cannot insist on that interest. However, I hope to proceed to make this scandal more public and seek the interest on his behalf.   Any ideas gratefully received.
    • Hi all,   Car: 5 years old, 30k mileage purchased from the main dealer of the brand the car is.     Handover was pretty rushed and after 2 hours we just wanted to get out of there with the car which got further delayed because various accessories were removed from the car - something quite common if another customer is buying a similar car and has requested for instance mats to be included.  Luckily I had already taken photographs at the point of reserving the car a few weeks ago so stated we expected these to be in the car.   Main Issue:   It states on the multipoint check "Four Wheel Drive: All four wheels must always be fitted with tyres of the same type, make and tread pattern" We have 1 front tyre of a budget brand, the other 3 the same however tread levels are very different in all 4 with the rears always differing by half a tyre (4 vs 7)   Annoyingly the entire book pack was missing (raised for replacement) however I found the manual online and it too states: "All four wheels must be equipped with tires that are the same brand and have the same construction and tread pattern so that the drive system is not damaged by different wheel speeds"   Finally one tyre has cracking around the shoulder though unsure how much this matters on the location - this is the lower tread level tyre too.  (raised during first visit) and passed the MOT only a few days ago with flying colours.   I had my phone on the desk recording the entire 2 hours due to the way the pre-sales was handled and to transcribe the Multipoint checklist:   41:40 Sales Guy says: Multipoint check included is part of the service Multipoint Check and oil service carried out last month (says date) been checked over for any last minute things this is for you, all ticked off, lets tear these off as we go You need to sign now to say you have received the report   Obviously our signature is on the basis of what he said verbally that all was ticked off and ok.   The day ended essentially with all documents in a folder, keys and folder handed over and we said our goodbyes.  We then dragged him back and spent a further 40 minutes faffing around for the bits that were missing in the car by essentially taking them out of anothrer car, trying the fit, finding another etc   So any leg to stand on re tyres and more importantly, the policy the brand sits on with the checksheet and manual?   thanks Apologies for those who do prefer a bullet point list, I have tried to keep just the facts in here!  
    • After a repossession start 2019 the lender marketed the property and received offers within weeks - which were relayed to the mortgagor.  All were low offers compared to lender's original valuation.  2 of the offers were unable to proceed due to other legal issues. One was able to proceed - but lender failed to accept.   One year later lender organized sealed bids situation with agents to try gather interest.  The same buyer as one year earlier placed the highest bid - the same level as before.  However I now understand the lender is renovating the property with a view to rent it.  And now pursuing mortgagor for bankruptcy. What can mortgagor do? Lender has wasted 18months adding interest and extra costs.  And created a huge shortfall. Meanwhile, lender has refused to disclose costs or interest accrued since repossession     
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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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Voluntary Surrender of Vehicle letter from Red2Black

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Hi, I am looking for some advice please.

Purchased a vehicle through GE Money (now Santander) in August 2006 on a 5 year loan. Been struggling for the past 11 months and now £600.00 in arrears, Recieved a demand from a collection company called CodeRed (but who said I should contact Viking Collection Services) who I CCA'd (to provide me with a true copy of the credit agreement ). Strangely I got a reply with the documents directly from Santander. I then received a letter of demand from Red2Black who I also CCA'd on 7 August this year. I have received no reply to that but today received a lettr from them saying that Santander has instructed them to accept a Voluntrary Surrender of Vehicle. They have asked me to sign an attached form and return to them within 7 days to arrange return of the vehicle. Can they do this? Yes I am in arrears but have been trying to make regular payments and I obviusly dont want to lose the car. Thanks in advance for any help.

Also posted under repossesions

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Interesting And Sounds A Con


You Can Do A Vt On A Hp Agreement But This Sounds Like A Repo In Disguise


Do You Still Have Your Original Agreement


Redtoblack Are A Repo Outfit


As A Rule The Rac/aa Would Do An Inspection On The Vehicle Before Its Returned


It Seems To Me That The Account Has Been Passed To A Dca


At The Top Of The Agreement Does It Say


hire Purchess Agreement Regulated By The Consumer Credit Act 1974


personel Loan Agreement Reg

or Fixed Sum Loan Agreement

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Thank you for your comments. Yes I have the agreement - Fixed Sum Loan Agreement Regulated By The Consumer Credit Act 1974.

Can they force me to sign this? I was under the impression that I could request a Voluntary Surrender but not have it forced on me.

As they have not responded to my CCA request (sent by recorded delivery) is there anything else I can do? Many thanks

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Can You Post Up The Agreement

Google Photobucket And Use The Upload Ink For Message Boards With Out Thumbnails Option To Post


Remove Personel Details But Leave In The Figures

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This Is A Voluntry Surrender Not Voluntry Termination


Do Not Sign It



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its now confirmed

they cant repo with out a court order

even if they come to your house, refuse to hand over the keys

if they do a repo with out a court order, you will be entitled to all your repayments back



can you post up the letters ref the voluntry surrender


remember to deleate all things to identify your self


glad you sussed how to post docs


well done

Edited by postggj
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This Is A Fixed Sum Loan Agreement


What You Need To Do Is Write To Ge

Ask Them For A Settlement Figure Valid For 28 Days


As Its A Fixed Sum Loan Agreement You Should Be Able To Sell The Vehicle As Its Not Registered On The Hpi And Any Balance Paid To The Finance Co Thats Due

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The Funding Co Use Red2black On Its Repo

Sign Nothing

Refuse To Give The Keys If They Try And Repo

If They Tow It, Let Them


They Will Then Have To Ay Back To You Every Penny You Have Paid And You Get To Keep The Car As It Will Be Classed As A Gift

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The Only Thing I Can Say On That Letter Is


Sod Off Red2black


They Need A Court Order For A Repo, And They Know It


Ask Them For A Settlement Figure As In Post 12


That Would Be From Ge Not Red2black

Phone Them And Back It Up By Letter By Recorded Delievery

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The Funding Co Use Red2black On Its Repo

Sign Nothing

Refuse To Give The Keys If They Try And Repo

If They Tow It, Let Them

This is a loan, not HP


Shouldn't the advice be: "if they tow it; call the police & report the theft"


They Will Then Have To Ay Back To You Every Penny You Have Paid And You Get To Keep The Car As It Will Be Classed As A Gift


Except that you would have to try to get the car back from them. I suspect that they might be very good at hiding things, making confusion, having a bouncer stand in your way etc. I suspect that you would have to take them to court to get the car back

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