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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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Thereflex vs HSBC


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So I have received my acknowledgement of service from courts. I am claiming £1035.89 in charges from my current acc and £422.22 on my business account. Having just read the news about the banks "winning" their court case. I am pretty annoyed and disheartened. I am wondering ofcourse what the outcome of my case will be. My claim number is 9Q~~~~~~ and this was paid on the 09/11/09 so this will be taking place in a couple of weeks i should think. Not really sure what to expect. Will I have to attend the court hearing. Will my bank contact me in the meantime will the demand the 2 overdrafts be paid back immediately ?

kind of in the dark. I have followed this sites instructions so far and this is where i am at. WAITING, all the while still receving huge charges each month, this month £125!

I am really losing my patience with HSBC. If i had a huge salary all this would be insignificant!

Edited by TheReflex
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TheReflex - good idea to read my reply to your other post (can't remember who's thread it was, apologies). Also an even better idea to delete your claim number from this one as it's possible to be identified from it :)

At this moment in time the brains are looking into the full ramifications of the ruling the other day.

PLEASE PLEASE PLEASE read my other reply :)

Just be assured its NOT over yet, not by a long chalk.

DCA's - they have the same power as an infinite number of untrained chimps working on a script for Hamlet, but the chimps would probably at least get it right :D

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Hiya Reflex :) as Rayne has said the banks are a very long way from the winning post and currently the site founding fathers along with many other web based action groups have employed their own barrister to assist in the analysis of the Supreme Courts judgment and draft modifications to the particulars of claim we have all used if necessary :).

 

keep an eye on the announcements section of the site and just ask if your unsure if you need to make any amendments to the claim you have submitted :).

 

I think it is highly likely you will be one of the first to be allocated a court hearing as you don't have to request a stay set aside like the rest of us. What the banks reaction will be is anyones guess :cool: they do monitor these sites so they will know any court appearance wont be a walk over and we will be ready for them :) so they might make you an offer before the date.

 

If they don't make you an offer you must attend the hearing to argue your case, this is very important, if you don't the judge is will award the case to the bank merely because you weren't there :cool:.

 

pete

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  • 3 weeks later...

Ok so i have received my notice of issue. I have been busy all week, and so havent posted it. It needs to be in On or by the 21st DEC .

 

It looks like hsbc are disputing the whole claim. "the defendant denies....blah blah"

the charges represent aggreed price blah blah...."

 

so I am now to pay an addtional £35 on top of the £70. I am pretty annoyed as its obvious i wont win a penny. so thats £105 i have wasted.

 

As i havent posted it, i am going to hand deliver it tomorrow to the court office with my cheque.

 

not happy about wasting my time or money. but I guess i must see it through.:mad:

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Also what should i put in this section :

 

OTHER INFORMATION:

set out any other info you consider will help the judge to manage or clarify the claim, including any other infonyou consider should be supplied by the other party................:eek:

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Also what should i put in this section :

 

OTHER INFORMATION:

set out any other info you consider will help the judge to manage or clarify the claim, including any other infonyou consider should be supplied by the other party................:eek:

 

Have a read of Section G in this link Thereflex :

 

http://www.consumerforums.com/resources/templates-library/48-bank-templates/125-allocation-questionnaires-a-guide-to-completion-

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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ALSO regarding the allocation fee. "an allocation fee is payable if your claim or counterclaim exceeds £1500.......

 

mine is 1400 so does that mean i dont pay a fee??

 

 

:) I think you've answered this one yourself TR :rolleyes::D

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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hmmmm apparently i will be asked to provide evidence at a later date?

 

If you haven't already done so ......this evidence will be in the form of a court bundle .......

 

When you submit your original claim and POCs , you're giving an outline of what you're claiming for and why ..... the court bundle is the meat in the sandwich so to speak , where you provide documentation to support the claim... have a look at this link :

 

http://www.familylaw.co.uk/images/Teasers/PDcourtbundles.pdf

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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  • 1 month later...

Hello, So this is still ongoing, and at the moment seems a complete waste of time and money, as i am bound to lose!!

 

anyway. its my duty now to provide a fully particularised particular of claim setting of the legal basis upon which my claim is made detailing it by a clear breakdown of the sum claimed.

 

So I have alist of charges, dates, and 8% interest in a spreadsheet.

 

what else should i provide? do i need to write a letter or similar explaining, that i requested hardship grounds, and the bank ignored this?

 

do i tell them im unemployed currently?

 

what should i provide as evidence

 

please someone?

 

i see this in the pdf.......

 

4.1 The bundle shall contain copies of all documents relevant to the hearing, in chronological order from the front of the bundle, paginated and indexed, and divided into separate sections (each section being separately paginated) as follows:

(a) preliminary documents (see paragraph 4.2) and any other case management documents required by any other practice direction;

(b) applications and orders;

© statements and affidavits (which must be dated in the top right corner of the front page);

(d) care plans (where appropriate);

(e) experts’ reports and other reports (including those of a guardian, children’s guardian or litigation friend); and

(f) other documents, divided into further sections as may be appropriate.

Copies of notes of contact visits should normally not be included in the bundle unless directed by a judge.

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  • 8 months later...

Hello, could someone please help me. I have just returned from working abroad, to find that my case, has had a hearing date, which was the 9th September 2010.

 

As i was not present the case was struckout. I was unaware of the hearing date and was out of the UK for 3 months during this period.

 

Is there anyway i can get the case reinstated, or have i lost all my money, including wasted court fees?

 

thanks

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Hi the reflex , welcome back :-)

 

You could try going to the court office , explain the situation and take your passport to prove you were out of the country during the relevant dates.... they should advise you on what options are open to you e.g maybe resurrect the case and reschedule the hearing .....

 

Let's know how you get on .............. :)

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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