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    • STUPID TYPO IN MY ANGER CORRECTED.   Breaking: MPs have rejected a plan to extend free school meals into the school holidays by 322 votes to 261. The Labour motion, which was defeated by a majority of 61, would have extended provision of hot food for children until Easter 2021.   Boris Johnson had whipped Tory MPs to vote against the plan - BUT ANY WITH A SHRED OF DECENCY SHOULD HAVE VOTED FOR IT ANYWAY.   happy to give £500 million to serco to fail to gather 250 spits samples a day but will see children go hungry Utterly unfit to be considered a human being.     https://www.independent.co.uk/news/uk/politics/free-school-meals-vote-marcus-rashford-boris-johnson-holidays-b1209118.html
    • Hello,   My mother took an unregulated secured loan in 2001 for a total amount of £31,075 including PPI which we have tried claiming back but was sold through broker who now don’t exist.    When we requested SAR in Oct 2019 having added up payments made up to that point and including all payments sent up to sept 2020 she has paid £81,895.40 and still owes approx £40,000 (not an updated settlement figure)    unfortunately she did default a few times in the first 3 years of the loan agreement however has not defaulted since November 2004.     We frankly can not make head nor tail of the charges and subsequent interest added on the charges.    I am so desperate to make some headway and get some clarity on what to do for her.    PLEASE PLEASE CAN SOME HELP!!!!
    • Breaking: MPs have rejected a plan to extend free school meals into the school holidays by 322 votes to 261. The Labour motion, which was defeated by a majority of 61, would have extended provision of hot food for children until Easter 2021.   Boris Johnson had whipped Tory MPs to vote against the plan - BUT ANY WITH A SHRED OF DECENCY SHOULD HAVE VOTED AGAINST IT ANYWAY.   happy to give £500 million to serco to fail to gather 250 spits samples a day but will see children go hungry Utterly unfit to be considered a human being.     https://www.independent.co.uk/news/uk/politics/free-school-meals-vote-marcus-rashford-boris-johnson-holidays-b1209118.html  
    • this one where you've posted swift advances under mortgage companies forum
    • Hello,   what forum should I put it under? 
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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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Gazab -v- BC Platinum a/c


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oh last time i paid anything towards was 2009 the figure was always going down previously... but has gone up for whatever reason never sent any arrears notices either!

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2009 - OK, so Statute Barred is a long way off.

 

From your comment in post #100, are you saying they have sent you an Application Form for a card that you didn't apply for.

 

I see, on the form in the "About the agreement" section, that it says, " If you do not qualify for a Gold Card now, you agree that we may instead give you a Standard Card (which is also covered by this agreement); "

 

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  • 3 months later...

ok all this has now gone from lowells to Fredricksons.

 

Letter reads as this

DO NOT IGNORE

IMMEDIATE PAYMENT REQUIRED

We have been instructed by Lowell Financial Limited who have passed this account for collection of the outstanding balance. As we have been appointed as their agent you should now make contact with us and not lowell Financial Limited. We are athorised to contact you to secure repayment of the debt.

 

You have failed to pay the balance of £2502.19 which remains outstanding despite previous repeated requests for payment. Our client now requires payment in full to avoid further action.

You must contact us imediatley on 0845 3136625 to discus the mater further.

 

Payment should be made to fredricksons etc

 

thing is card number is again incorrect as again states barclay card and this was a msdw card with a flawed cca any advice please re letter to send these thanks

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I'd either ignore Freds or send a prove it letter.

 

They should at least be able to get the a/c number right !

 

Also, if the sum demanded is too high, this could be someone else's a/c !

 

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                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

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