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    • Interesting that analysis seem to show that the eat out to help out * didn't significantly help the industry - although it did help somewhat as a temporary patch which has largely been undone * DID seem to help the spread of covid (less surety on that) * cost the british taxpayer 500 million mainly to the benefit of higher end 'restaurants and wealthier eaters   Imagine if that money had been spent using outlets to feed hungry children ... but of course the benefit wouldn't have gone to the same sort of places - more to high street cafes etc.
    • Indeed.   I was interested in his comment that one Ireland is worth six Japans in terms of exports. It's an awful lot easier to get to.
    • mm - 5x more benefit to Japan than to the UK I couldn't find that much actual real benefit to the UK, and nothing that was effectively and practically better than the existing EU-JP deal we benefited from ... to the British public   .. seems to include the future 'possible' (aka not against the laws of physics) increases in UK 'enhanced financial access (which will certainly only be allowed where Japan benefits more from them)
    • It seems very favourable to Japan.   As for the soy sauce debacle... Who are these people running the Twitter feeds for government departments?
    • Its small beer in the scheme of things HB, and MSM will lap it up.
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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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Mackays huge charges and other lenders?

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Im after some general direction on a couple of issues and would appreciate some advice.


First one is the missus ages ago had a Mackay's card - they kept on adding charges and she ended up paying double what she owed due to them passing the debt to allied international. She agreed a settlement figure(which I advised her not to do) and paid them in full but everyone but her was in pocket.


Allied never wrote to state debt was settled even though she asked them too. Suddenly last month Fredricksons contacted her and have since stated Mackays have asked them to collect a further £300. Allied on the phone state its closed but neither company will talk to each other.


We have sent Allied a prepaid envelope asking for confirmation of the debt being settled and complained but still nothing.In the mean time Fredricksons ring daily. I have sent them the letter today stating not to ring as on the phone they assured me today they weren't harrasing us!!!! yeah ringing at all hours, waking me up as I work nights and upsetting the wife who is now out of work and has a young baby.


Should we write to mackays stating this is in dispute?


Also one general ask - over the years we have had a couple of loans taken against the house and when we paid them off we were stung for charges big time. In fact our mortgage doubled as a consequence. Even though these debts were settled somettime back can we dispute them as to the amount of charges and get money back or payments protection?


Thanks for any help.

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