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    • We hear from three people who have started their own companies during the downturn in aviation. View the full article
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    • its a 12mts contract else why would it say till 2021 and first month..   simply states they don't charge a joining fee clever marketing ploy as people don't read things. it IS a monthly payment, that runs for 12mts.   but anyway there is stuff and all anyone can do to you.   dx        
    • Hi Slick,   Amazingly fast reply, thank you!   According to the reference on the payment it says "ON 24 SEP BCC" and the payment cleared 25th September at 11:26   I was simply told to sign up on the website by a staff member in the gym, no further information was given to me by them. The website stated that it's a rolling monthly membership that could be cancelled at any time "No contract membership JUST £14.99 a month, until 2021*" As far as I am aware there was absolutely no minimum membership length, unless there's some small print I've missed somewhere. But Harlands haven't mentioned anything about me being obliged to pay for a certain length of time so... I've attached a picture to this post of what I signed up for.   Also, I'm not sure if this has any relevance at all but the building is plastered with £9.99/month signs EVERYWHERE yet it costs £14.99 when you go on the website. False advertising 🙄 Could perhaps use that as leverage in a letter if it comes to it, I dunno? 😂
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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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at 7am this morning a bailiff from swift came to our door claiming to be collecting council tax for mansfield d.c.


we have never heared of the address he said he was claiming we owed money on.


i told him i was denying him entry and would continue to do so. he then called me several rude names and swore at me.


i am out of work and have a disabled wife and disabled 2 year old, so we can't afford to pay a bill that isn't ours.


we are now keeping our door locked, we could also put a lock our our garden gate, would the bailiff be allowed to climb over if this was locked?


i intend to report this to the police as i have be subject to an i.d. thaft problem before, and this may be connected.


what else can we do?


sorry for the long 1st post.

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It's not a long post. In fact it is very short.


You must call the police. You are absolutely correct not to let him in.


If I were you I would write out a detailed statement immediately while it is all fresh in your mind. Make sure the statement shows the time the date of the incident, everything that happened, everything that was said, and a full description of the man and what he was wearing.


Complain to the police now. Don't wait around. Complain that you have been harassed. The police may not want to get involved and they may say that no crime has been committed. However say that you are making a complaint of harassment and that the incident was frightening to you and your family. Harassment requires more than one incident -- and the police will explain this to you. However tell the police that you want this down on file so that if you have to complain again there will be no doubt about it. Make a note of the name and number of these offers are that you speak with and also later on make a note of whatever transpired between you and the police.


Write to swift and make a formal complaint about the behaviour of their employee. Write to the ombudsman and make a formal complaint about the conduct of the bailiff.


Do you know that he was a bailiff? Did he offer any identity?


If you put a lock on the garden gate, it may be difficult other legitimate visitors to gain access to you. Also, there is no reason why you should be forced to barricade yourself into your own home. I think that this is an excessive and unnecessary step -- that you must make your own judgement. Did this bailiff person leave any documents with you?


I think that you should also complaint to the Council that you are paying harassed for a debt which has nothing to do with you. The Council will try to flannel you off. Don't accept this. Write a formal complaint and say that you want this matter to go to the local authority ombudsman.


Don't deal with any of this on the telephone unless you record your calls. You should record your calls as a matter of routine. You can get a cheap recorder from Maplin's but a Truecall is the best recorder and call manager.


If you get any further visits, don't open the door, speak through the letterbox, demand to see identification, havethe identification pushed through the door, photograph it with a telephone, hand it back, try to photograph the debt collector -- but don't open the door, then tell the debt collector to leave the premises or you will call the police. After that make immediate detailed statement of what has happened etc while the matter is completely fresh in your mind

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thanks for the reply


the bailiff didn't show any i.d.


i am going to report it to the police, i hate people calling me offensive names, especialy in front of my children.


are we classed as vounrable due to me been out of work and my wife disabled?

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Did they leave you any paperwork - if so what? Was the name on the order yours and if so was it in sole or joint names? Would trhink you are classed as vulnerable having disabled family in the house.


Agree with what has been said in particular complain strongly to Local Authority - they are the ones who have instructed the Bailiff, so yet agian ask them the above questions also. Think plod will just flannel.



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