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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
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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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Hi

I have posted before and your advice has been much appreciated. Any way my position now is that we have two walking possession orders on the same property as we did not realise at the time they were calling about two different accounts with the same Council. (2 different bailiffs from Rossendales). The first one which was causing me panic, as he told me he was coming to get my stuff has now apparently been sent back to the court and the bailiff said my husband will probably face time in jail. We have made offers to pay on the first account of 220.00 per month for five months to clear before new tax year. This was not accepted. I have emailed the council with this offer and am still awaiting a reply. However on the second account I again filled in all the paper work declaring what we have incoming and outgoing, the most we could afford was about £55.00 pounds a week, even this is pushing it. (please remember at this time i thought it was the same account as previously mentioned). Rossendales have now written back saying a payment arrangement has beend made and that we should pay £520.00 every 31 days? Obvioulsy if i dont eat or pay my rent then this is possible but otherwise not. I am a student nurse with a bursary of £600.00 per month, we get WFTC of £130 weekly + 32 family allowance. My husband earns approxamately £800.00 per month. If the council now accept our offer of 220.00 for the first account that means 740.00 per month, which i think is way over the top. The total we now owe is approx £2500.00 and i ahve also realised that the council have not taken my 20% student discount of the second account which is worth about 300.00. Please could someone help with drafting a letter to both council and bailiffs..... I have looked at letters on here but cant seem to find one that would apply in these circumstances. Many thanks

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Hi

I have posted before and your advice has been much appreciated. Any way my position now is that we have two walking possession orders on the same property as we did not realise at the time they were calling about two different accounts with the same Council. (2 different bailiffs from Rossendales). The first one which was causing me panic, as he told me he was coming to get my stuff has now apparently been sent back to the court and the bailiff said my husband will probably face time in jail. We have made offers to pay on the first account of 220.00 per month for five months to clear before new tax year. This was not accepted. I have emailed the council with this offer and am still awaiting a reply. However on the second account I again filled in all the paper work declaring what we have incoming and outgoing, the most we could afford was about £55.00 pounds a week, even this is pushing it. (please remember at this time i thought it was the same account as previously mentioned). Rossendales have now written back saying a payment arrangement has beend made and that we should pay £520.00 every 31 days? Obvioulsy if i dont eat or pay my rent then this is possible but otherwise not. I am a student nurse with a bursary of £600.00 per month, we get WFTC of £130 weekly + 32 family allowance. My husband earns approxamately £800.00 per month. If the council now accept our offer of 220.00 for the first account that means 740.00 per month, which i think is way over the top. The total we now owe is approx £2500.00 and i ahve also realised that the council have not taken my 20% student discount of the second account which is worth about 300.00. Please could someone help with drafting a letter to both council and bailiffs..... I have looked at letters on here but cant seem to find one that would apply in these circumstances. Many thanks

 

BEFORE you do anything else, you need to find out how much the bailiffs are trying to charge you in fees over and above the amount owed to the council. The chances are that they are over-charging you - a common bailiff practice - in which case you will find that you owe less than you previously thought.

 

Also, you need to find out whether the Walking Possession Orders are valid. Have you, for example, actually signed a WPO or are the bailiffs trying to charge you for a WPO you have never signed? And have the bailiffs ever been allowed into your home? Do you know the name of the bailiffs that have visited? if you do, you can check with the Ministry of Justic whether they are properly registered. Sometime it turns out that they are not!

 

One other point: the bailiff is lying when he says your husband will probably be sent to prison. As you have not deliberately refused to pay and have made what you consider to be reasonable offers, that is simply not going to happen.

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On the first account it is listed as £960 (When he first came round he said he wanted a payment of £250.00 within two weeks, which we managed to get together, then when he came to collect he did a wpo with that amount taken off. Therefore original amount was £1210, his charges were only written down on the levy after the £250 was paid so I have no idea if that £250.00 has gone to the council or not? His cost on the wpo are £24.50, First visit, £54.00 Levy fee and £12.00 walking possession. Listed on this wpo are Main tv in lounge black coffee table, surround sound system, silver tv stand, dvd player, 1 black velour armchair (part of three piece suite) and glass topped dining table. (This bill was for a previous address).

The second one whom we wrongly assumed was for the same account, I even said to him I have sent all your paperwork off and he said he had to another wpo (so he must have known we already had had someone round) is for £1470.18, Levy fee £65.00 and wpo £12.00. Listed on this are Threee piece suite - all items. Black coffee table, sony tv - main one in lounge, surroung sound, glass table and 4 chairs, black wall unit and my laptop (this is in my son in laws name as he the direct and credit agreement were set up in his name). This is the bill that my student discount has not been applied to, so I am unsure where to go from here. I am so confused with it all.

I have done a check and it would appear that they are both registered. Should I phone the council or write and ask for them total owed and ask them to reduce the amount because of student discount....I have proof of this from my uni?

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A WPO does not need to be signed to be valid!

 

MY understanding is that if, for example, a bailiff looks through a window and spots, say, a computer or TV and puts it on a WPO but it is not signed by the home's occupant then it is not valid. In any case, as the bailiff in such a case would not have gained entry, the WPO is UNENFORCEABLE.

 

I

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On the first account it is listed as £960 (When he first came round he said he wanted a payment of £250.00 within two weeks, which we managed to get together, then when he came to collect he did a wpo with that amount taken off. Therefore original amount was £1210, his charges were only written down on the levy after the £250 was paid so I have no idea if that £250.00 has gone to the council or not? His cost on the wpo are £24.50, First visit, £54.00 Levy fee and £12.00 walking possession. Listed on this wpo are Main tv in lounge black coffee table, surround sound system, silver tv stand, dvd player, 1 black velour armchair (part of three piece suite) and glass topped dining table. (This bill was for a previous address).

The second one whom we wrongly assumed was for the same account, I even said to him I have sent all your paperwork off and he said he had to another wpo (so he must have known we already had had someone round) is for £1470.18, Levy fee £65.00 and wpo £12.00. Listed on this are Threee piece suite - all items. Black coffee table, sony tv - main one in lounge, surroung sound, glass table and 4 chairs, black wall unit and my laptop (this is in my son in laws name as he the direct and credit agreement were set up in his name). This is the bill that my student discount has not been applied to, so I am unsure where to go from here. I am so confused with it all.

I have done a check and it would appear that they are both registered. Should I phone the council or write and ask for them total owed and ask them to reduce the amount because of student discount....I have proof of this from my uni?

 

I THINK you can take it as read that the £250 went straight into his pocket. Ask the bailiff company for a breakdown of your account.

 

You need to be free of these vultures, so I suggest that you ask the council to take back the account and that you put them in the picture concerning the bailiff fees and your personal difficulties. If you have difficulty in getting the account taken back, speak to your local councillor.

 

If you are eligible for a 20 per cent student discount, then obviously you should point this out to the council.but are you sure you should be paying council tax at all if you are a student? Full-time students are often exempt from council tax.

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Yes i am sure thats what the discount is, had it for the last two years and for some reason they have not included it even though i sent the proof of from my uni,......to be honest i never checked until now as I am on placements 40 hours a week plus various assignments and family drams, it never occurred to me to check. I have asked the Council when i offered the £220.00 to take the account back and am still waiting... thanks for your advice though, i wish i had known this forum existed before i let the bailiff in, in the first place!

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That is correct,

 

not only that but a bailiff can't charge two sets of fees when he is collecting for the same council tax.

 

If it has been sent back to the court then that means that they are getting a warrent however do not pannic because all this warrent means is that you must attend the court forget the prisson bit that is to scare you into paying.

 

although this may sound scarry you do need to attend the court when they ask you to and when you do attend you need to take the letter with the offer you made.

 

work out what you have comming in and what you need to live the at the court ask the clerk if you can have a means form fill this in and hand this to the judge if you think you can pay £220 offer £150 per month that way if you are ever a little short one month you are not stretching yourself and you can still pay £220 if you like.

 

you must also take any parerwork with you to show that you have not received your student discount.

 

LFB

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