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    • I had the same turbo refitted properly for about £180 I think.thats it, yes.
    • My neighbor just has the invoice from the plumber for the work done and materials supplied. The cylinder has a prominent large orange label that clearly states  '10 Year Warranty'' and there is no further qualification. No other paperwork was provided.  So the man on the Clapham Omnibus would expect that they had the benefit of a 10 year warranty as sated on the tin.   The '10 Year warranty' is standard, provided with the product, and was clearly aimed to win sales.   The manufacturers web site does currently list T&Cs that qualify the warranty, We don't know if these T&Cs are as they were 5 years ago, or if they have been changed   I have to say that the manufacturer appears to be very unsophisticated, their correspondence is far from professional, as was their telephone manner. This may be endemic to the industry as one of the competitors web site has a product page with a large clear bright image stating 10 Year Warranty, then within the product description (smaller print) it lists '5 Year manufacturers warranty'. Not sure what trading standards would make of that.   Thanks again    
    • By the way, have we checked that you did declare that it was a laptop and that you declared the correct value? Did you apply for the judgement yet?
    • You won't get any compensation for the the screeching.    you will have to find out what the reasonable cost of fitting a turbo would be and then that will probably be the value of your claim. Does that take care of all your losses?
    • Credit card was used maybe in 2014 last. then i was only repaying min. payments till 2016 but this was killing me and I had to stop. On credit reports shows both credit card and overdraft as HSBC accounts.    So if account is defaulted in 2016 would it disappear from credit file after 6 years or will stay there until is paid off?    I really thank you for your time.  E. 
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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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Please see below, I took your advice as per my previous post but they wont take a repayment plan only the whole amount. I am not getting anywhere with these people.

Hi Sharon,

Thank you for your email. An email was last sent to you on 3rd September. Due to the type of loan you have with Pounds Till Payday, we are not able to set an arrangement. A full payment must be made. Please call our offices prior to 8pm to discus the matter further. The number is 08445611715.

Kind Regards

Diana Castagnaro

Tel: 0844 561 1715

Email: collections@claritycreditmanagement.co.uk

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Ask them if they comply with the guidelines as set out by the Office Of Fair Trading.....it seems they do hold a licence...

 

Application / Licence Details

 

 

 

 

Licence Number:0567831

Licence Status:Current

 

Current Applicant / Licensee:

 

Business NameCompany Registration NumberClarity Credit Management Solutions Limited5307808

 

Categories:

 

Credit reference agency Debt adjusting/counselling Debt collecting

 

Right To Canvass Off Trade Premises:No

 

 

Issued Date: 18-Mar-2005

Expiry Date: 17-Mar-2010

 

 

Legal Formation:

 

Body Corporate (incorporated inside UK)

 

Current Individuals that run the organisation:

 

NamePositionAndrew James Lea Garry George StranOFFICERLawrence Rix Peter John Norris Stephen Keith Butterworth

 

Historic Individuals that run the organisation:

 

NamePositionChristopher William JonesOFFICERDavid Nicholas JefferyOFFICERHirofumi HiranoDirectorJames Thomas Totty John Henry Godfrey HellerOFFICERRichard Norman GriggsOFFICERSimon Nicholas OaklandOFFICERSteven Leslie Johnson

 

Nature of Business:

 

Debt Collection

 

Current Address(es):

 

Address TypeAddressPrincipal Place Of Business2, Swan Court, Lamport, Northampton, Northants, NN6 9EZRegistered Office2, Swan Court, Lamport, Northampton, Northants, NN6 9EZ

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

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I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

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Also poundstillpayday also hold an OFT licence....

 

Licence Number:0574988

Licence Status:Current

 

Current Applicant / Licensee:

 

Business NameCompany Registration NumberNorthway Broker LtdC 36144

 

Categories:

 

Consumer credit Credit brokerage Debt adjusting/counselling Debt collecting

 

Right To Canvass Off Trade Premises:No

 

 

Trading Name(s) (Current):

 

Pounds Till Payday

 

Issued Date: 03-Sep-2005

Expiry Date: 02-Sep-2010

 

 

Legal Formation:

 

Body Corporate (incorporated outside UK)

 

Authorised To Receive Documents:

 

NameRobert Alan Rosenberg

 

Current Individuals that run the organisation:

 

NamePositionJoe GrioliOFFICERPeter Warren AshOFFICERRaymond Stafrace

 

Historic Individuals that run the organisation:

 

NamePositionAndrea Gera De PetriOFFICERAnton MicallefOFFICERGeoffrey Howard MinterOFFICERHerman ZandtOFFICER

 

Nature of Business:

 

Credit Brokers

 

Current Address(es):

 

Address TypeAddressAccept Notices/Documents9, Peel Place, Clayhall, Ilford, Essex, IG5 0PSCorrespondence9, PEEL PLACE, ILFORD, 0, ESSEX, IG5 0PS, UKPrincipal Place Of BusinessLevel 8, Plaza Commercial Centre, Bisazza Street, Sliema, SLMIS, MaltaRegistered Office7th Floor, 2 Airways House, High Street, Sliema, SLM10, Malta

 

Historic Address(es):

 

Address TypeAddressPrincipal Place Of Business191, Merchants Street, Valletta, ., MaltaPrincipal Place Of Business9, Peel Place, Clayhall, Ilford, Essex, IG5 0PSPrincipal Place Of Business9, PEEL PLACE, ILFORD, 0, ESSEX, IG5 0PS, UKRegistered Office191, Merchants Street, Valleta, ., MaltaRegistered Office191, Merchants Street, Valletta, ., Malta

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

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Hi Moonsa

 

Very unlike Clarity to be so difficult. I would just e-mail them back saying in writing only. State that you can only afford so much per month. I would restate your offer but also ask them for an address to send a CCA request to. Might put them on the backfoot and agree to your offer.

 

If you go down the CCA route 42man will be a handy guide;)

 

They won't want to see you in court so stick to your guns:)

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