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    • ..and legacy. This isn't how he wanted to be remembered.
    • vs Boris' ego and self-image
    • Very good, BN.   I did read earlier that one of the Scottish scientists said measures in Scotland are starting to work but that there's a way to go.
    • lets cut to the chase, HB,  Christmas is Cancelled,  it already is by the Wee Nippy in Scotland it seems, where she is talking of a Zoom Christmas. so record a parody Christmas song.  Zoom Christmas a parody of Bing Crosby White Christmas I might just do that today Fire up the DAW plug in the mic
    • @honeybee13I genuinely think Boris is confused about what to do. Economic disaster v even more unexpected deaths.    I see what you mean, UB, but is it possible that dithering since September means that lockdown will be longer and cost the economy more than if there had been a two or three week circuit breaker a few weeks ago?   I'm interested to know why it's going to be on Wednesday, so quite a wait from it being known, albeit through two newspapers and not an announcement yet. France had a day or two's notice of their second lockdown.  
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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.
       
      • 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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staffyloo again


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hi all

im afraid i need your help again.

capstone were granted a suspended repo order on 1 october,to pay the monthly payment and 300 on top starting 1 nov.

on wed i got a call from capstone to say they had not recieved nov payment so they were going for eviction. i told them that i had posted a cheque on the 4 nov and after getting a reminder letter from them reposted another cheque .as of wed 18 nov they still had not got it so the guy(nasty) said no its to late were going for eviction.i explained that i had posted 2 cheques and he said he would monitor the account and if i rang them that night to set up a dd he would cancel the eviction.I didnt want to ring them to see if they had recieved the cheque so i have today cancelled it and will pay it in cash on monday.

i know i should have made sure the payment was with them by the due date but didnt think it would come to this being a few weeks late.

today i recieved a letter from them saying if i dont pay full arrears they will evict.

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Oh dear, I take it you didn't send the cheque by recorded delivery? Unfortunately when you miss a payment under a suspended order the lender can apply for eviction.

 

You need to make the missed payment on Monday - can you do this by card over the phone?

 

If they do go for eviction, we can apply for a hearing to suspend the eviction but I'm sure you'd rather not go through that. If you can make payments over the phone that would be best but they really do have to be made on the due date.

 

Ell

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They could go for eviction if you were 1 day late :( as you have breached the court order.

 

Can you not make the payment over the phone? if you pay cash into a bank it could take another 3 days to get to them.

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Did you write your account number, name and address on the back of the cheque and enclose a covering letter?

 

Also, did you check on the royalmail website to see if they've signed for it?

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yes wrote acc no but cant find po receipt .i should no better ,im just hoping they got it onthursday because he didnt ring me to say they hadnt.

he also said that id missed octobers payment but when i told him the judge said payments from 1 nov he said oh someones put the notes down here wrong it says the 1 oct.so they thought id missed oct and nov .

should i ring them on monday to see if they have payment b4 i do anything?

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Yes, ring them first.

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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Let's wait and see if they send for an eviction warrant - it would take about a week before the warrant was issued and you usually get 14 -21 days before eviction - so there would be time to defend.

 

Make sure you pay the 1st December payment on the due date - you can then show a judge you are trying.

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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

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My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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