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    • PDF please so we can zoom  read upload   any road marking on private land are purely tarmac graffiti and have no standing in law. and anyway all speculative invoices issue for parking have a 10min grace period   dx      
    • https://www.youtube.com/results?search_query=flip+side+toy  
    • In fact I can see that it cost 20 quid and it's for eight-year-olds. I'm afraid that you've had about eight months use out of it – it's certainly not worth going to court about and frankly I don't think there's much you can do. The rule is that good should be of satisfactory quality and remain that way for a reasonable period of time. Satisfactory quality depends on the item, the price paid, what it is intended for – and any other relevant circumstances. Although I can imagine that if people thought they were only going to last eight months, nobody would buy them – at the end of the day it may well be that you couldn't have expected much more life from it – may be in the hands of a young child. In terms of finding the sequence of voice commands to access other functions, have you tried looking at YouTube? There are often all sorts of very surprising little videos on YouTube that can be a great help. I'm afraid that you're probably just going to have to accept it.   Incidentally, the retailer is absolutely wrong simply to say that you have no redress because it is older than six months. Six months has nothing to do with it. It's really about satisfactory quality – but the problem here is that it is such a cheap item – that even if it is not satisfactory, it scarcely worth making trouble. If you want to make trouble then we will help you – but it probably is much more effort than it's worth
    • How much did you pay for it? What age group is it intended for?
    • Yes, it's a new guitar, the one I was sending back was to be sold to someone else.   Will take a peek at that tomorrow, have to prepare food now.   Thanks again for your time BF, you've honestly been a greater help than you could imagine.
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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.
      • 3 replies
    • 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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Debt Collectors threatening to visit my home, what should I do?

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I received a "Postcard" from a DCA on Saturday saying that a representative would be "calling" at my home within the next 3 days. The card was dated the 10th Sept, so I don't actually think they will be coming. Just trying to scare me I think. Is there a letter I can send them about this? I've already sent one about no phone contact. It's embarrassing getting these cards for all to see,obviously the intention, I do want to sort the debt out I have with them but receiving these things makes me very reluctant to do so!


Thanks for the advice in advance :)

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Hi DG,

They do not have any right to call at your home uninvited. The Law of Trespass will apply of they do so. Just tell them to Foxtrot Oscar and call the police if they persist - tell the police a breech of the peace may arise. There is a letter in the templates section you can use but its not worth sending as most DCA's cannot read - let alone find your address!

Hope this helps.

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They use the postcard format so that the information is open and available to the post man or to anybody else who glances at it.


This is part of their standard campaign of humiliation

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Send a copy of the postcard to the Office of Fair Trading as this is against the OFT's guidelines. Every complaint that goes in is another nail in their coffin.



Enquiries and Reporting Centre

Office of Fair Trading

Fleetbank House

2-6 Salisbury Square




If anyone does come to your door, which I doubt, tell them they have 30 seconds to get off your property or you will call the police and have them removed.

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