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    • So you have been receiving more messages and threats??  This is what they do.   You are starting to feel nervous and worried??  That's why they do it.   Are you starting to think it might be better simply to pay???  Then it's job done.
    • From Dan Bloom on Twitter lst night.   'So in summary: Sept 21: SAGE calls for 2-3 week lockdown. PM refuses.   Oct 13: Keir Starmer calls for 2-3 week lockdown. Govt source brands him a “shameless opportunist”.   Oct 30: Government scientists say it’s now too late for a 2-3 week lockdown and it’ll have to be longer.'   And it's been announced to the Mail and the Times, not to Parliament. That's an odd way to run a country.
    • Thank you for the reply - I'm half expecting them to either drop the whole thing or to spring the "We had to tell the court that you don't want to pay so we're going to restart proceedings" idea given the language in the consent order that I signed with them. Going to read up and prepare to defend in case they fancy playing that game. It'd be nice if they would actually play by the rules for once...
    • Hi, I'm not sure if I'm asking this in the correct forum.   Ill try to be brief   - last October I contacted a h2b company that said I was eligible for up to £200 off every window and door. I agreed to a company to come and quote.   The quote was given, the windows and doors installed. The initial installation was incomplete however the people installing said for them to be paid for their part I needed to sign both a form that said what was left and that they had done their part. This form was actually an agreement to release the funds from the finance company. I disputed this.   Fensa came to inspect my property finding multiple errors (improper sealing) in addition to those I found (chipped and damaged beading, poor finish and damage to an internal door and blind). The company returned to fix the issues Fensa identified.    I compiled a very hefty report and sent to the window company complaints team with pictures showing the faults. They did apologise and have attempted to remedy some of the issue.   I asked for a price breakdown in December to check exactly what each item cost. This was done as I had agreed to have sills in addition to the windows and i received capping boards instead (i didnt need capping boards).   The price breakdown shows no indication of any saving made as promised by the h2b company. When i highlighted this to the window company they said what they had provided was all they were giving me. I complained again and was given an explanation stating that they gave me a different saving that was larger than would have been offered by the h2b company in the first place. This was not indicated to me at point of sale.   Being that it has been a year I am wondering if I should contact the financial ombudsman about this. I feel as though I have been miss old this product and the company has been dishonest and unhelpful.   Any advice would be great.
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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?
       
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      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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      • 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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Received Action For Payment Of Money.

This is regarding a debt the factor of my flat alleges to be £1332.80. I was paying my fee via internet banking until i stopped due to a dispute with them and my bank has confirmed i have paid around £700 into their account.

They say i have paid nothing.I have tried several times to resolve this and each time i contact them i am told someone will get back to me and they dont, unfortunately i have no record of this.(if i can find the last solicitors letter i called them the next day).

I would like to dispute the claim and go to court because of the way i have been treated by them.Return Day 24 November 2009.

 

*EDIT*

When i receive proof of payment from my bank do i send a copy to the factor their solicitor and the court, is there anything else i could do ?

 

any advice appreciated.

Edited by Seymie
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hiya,

 

normally a charge for payment follows a decree??

 

can you scan what you have received deleting any personal info?

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You can challenge the Small Claim Summons at the sheriff court on the basis that you are not liable for the debt.

 

You have stated that you have proof from your bank that you have paid £700 of the £1332.80 debt.

 

Check the 'Statement of Claim' (which is within the summons) as this will specify the grounds on which the factor is raising the action. It is possible that the action can be challenged at a court hearing on the basis that the factor is making an erroneous claim for services or work which you are disputing.

 

However, if you are only challenging the amount that is due then the sheriff (at a hearing) may just reduce the amount that is claimed by the factor and the factor will still get a decree.

 

If you are acknowledging that you are due to pay £632.80 then you can apply for a Time to Pay Direction which should be lodged with the sheriff clerk's office by the Return Date. However, if you have the funds to settle the debt then you must make settlement (including legal costs) with the factors solicitor before the return date to avoid decree being granted.

 

Find out if the sheriff court has an In Court Advisor (CAB appointed) who can provide advice. Alternatively,contact a money advisor at a CAB or local council.

 

Check the following link to find a local money advisor:

http://www.moneyadvicescotland.org.u...ind_agency.php

 

The Govan Law Centre has an interesting link on factors charges which can be found under Debt at the following link:

Govan Community Law Centre, Glasgow, Scotland | Free legal resources

Edited by Joemcm35
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