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    • This Huff Post article reports on vanity projects the government are happy to spend money on rather than on meals for poor kids.   https://www.huffingtonpost.co.uk/entry/uk-government-spending-free-school-meals_uk_5f91cf85c5b686eaaa0f5f7f
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    • 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.
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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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BT: My bank details; someone else's account!!

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I have just received my bank statement and BT have taken out a direct debit for an account with them that is not mine.


I have spoken to them and they agree i am not the BT account holder linked with the payments and they insist that the sort code provided by Mrs X is not the same as my sort code.


They provided me with Mrs X's name and address and advised me to start a fraud case against them.


I have a BT account with them and i pay by direct debit but from a completely different bank account to the one that this said DD has been taken from.


What is the policy for setting up a direct debit? Does the bank account holder not have to give permission for their bank details to be used? Even if there was a mix up with the digits, surely when it came back as my bank account and not Mrs X's BT should have sought my permission?


I have cancelled the direct debit and am in the process of getting my money back from them but this is not the first problem i have had with them regarding direct debits and i am getting quite frustrated.

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Make a formal complaint to the regulator and also a formal complaint to the Information Commissioner as there are DPA issues here too.

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Having looked at various websites it seems that under the direct debit guarantee my bank is responsible for giving me a full and immediate refund of any incorrect payments, does this apply for bank charges incurred as a result of going overdrawn due to the incorrect payment?

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Having looked at various websites it seems that under the direct debit guarantee my bank is responsible for giving me a full and immediate refund of any incorrect payments, does this apply for bank charges incurred as a result of going overdrawn due to the incorrect payment?


No, it does not. You are liable for the bank charges.


When you agree to set up a direct debit you provide the sort code and account number to the payee. In the past, you had to sign a form. Now you do not.


Your Bank will then happily go on the payee's say so and apply the direct debit to your account. No checks are made; there are no safeguards.


That's why when you cancel a direct debit it can just pop up again even if you cancel it with the Bank. It's like a debit card without the need for a signature or PIN number.


The solution to this is to write to your Bank and tell them to never ever apply direct debits to your account, otherwise, this can happen at any time. The system is completely insecure.


There is unlikely to be a case of fraud. It is more likely to be an error, probably by the payee.


I would write to the Bank and explain that they have failed in their due diligence and ask for an explanation. You won't get one, but you may get the charge refunded.

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There is unlikely to be a case of fraud. It is more likely to be an error, probably by the payee.

I'd say probably the person taking the details typed the wrong number in.


They provided me with Mrs X's name and address and advised me to start a fraud case against them.

If they suspect fraud, they should deal with it... passing on the other persons details is a breach of the data protection act, especially if it is an error by a member of BT's staff!



I agree with Mark, although the Direct Debit guarantee does not cover charges, tell your bank that they should not have taken the funds from your account as the sort code is different, and they should have caught this error.

If in doubt, contact a qualified insured legal professional (or my wife... she knows EVERYTHING)


Or send a cheque or postal order payable to Reclaim the Right Ltd.


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