Jump to content
  • Tweets

  • Posts

    • Oh dear, Guardianistas in full flow again Posturing is a necessary part of the negotiations  Obviously some form of deal will be cobbled together to save face on both sides At least no government of any colour will touch this subject again for decades to come, if ever  
    • And can you re upload a copy of the email invoice from Dongara that you posted on page 3......for some reason DX has removed it and edited my previous post referring to it. ???  
    • For PCN's received through the post [ANPR camera capture] (must be received within 14 days from the Incident)   please answer the following questions.   1 Date of the infringement 7th October 2020   2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 15th October 2020   [scan up BOTHSIDES as ONE PDF- follow the upload guide]   3 Date received 19th October 2020   4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] No   5 Is there any photographic evidence of the event? Yes   6 Have you appealed? [Y/N?] post up your appeal] No Have you had a response? [Y/N?] post it up N/A   7 Who is the parking company? ES Parking Enforcement Ltd    8. Where exactly [carpark name and town] Multi-Storey Car Park, Union Street, Accrington, BB5 1PL   For either option, does it say which appeals body they operate under. ESPEL.ZATAPPEAL.COM.   There are two official bodies, the BPA and the IAS. If you are unsure, please check HERE   If you have received any other correspondence, please mention it here "Reason of lssue: Exceeded maximum allocated or pre-paid time"   Thank you dx100uk, I will upload the PDF once I figure out how to block out identifying information.
    • Does this letter contain balances and dates  ? If so please redact and upload   Ginni if you could check the balances outstanding from the initial statements (the last one  you uploaded) the LBC to the Deed of Assignment to the claim form...just check that the figures all correspond ....in particular the amount on the Deed, check it to the amount claimed.   Im thinking that Deed may of been recreated since issuance of the claim form. Given that the Deed is dated 21st Aug...why did Dongara email their statement .   Andy
    • pst.. there a very good defence in post 32 here...    
  • Our picks

    • 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
      • 49 replies
    • 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.
       
        • Thanks
      • 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!
        • Thanks
        • Like

Years of worry taking its toll


Please note that this topic has not had any new posts for the last 3965 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

I'm after some advice here as I feel like I'm trying to bail out the Titanic with a teacup...

 

We have a mortgage with Birmingham Midshires,and a secured loan with GE money,both of which we are in arrears with. Over the past few years for various reasons our payments have been eratic,for various reasons,but for the past 6 months I have been trying to take charge of stuff and sorting everything out.Birmingham Midshires have actually been really good,and spoke to my wife on the phone about securitisation,if we paid 6 months at the normal monthly payment.I thought this was going fine,until after a phonecall to them I found that there had been no payment in October.. I put money every month into my wifes account to call and pay by debit card,but found out then that she had been getting harrassed by GE Money and paid a double payment to them to try and get them off her back and missed BM's payment.

Both have an order on the house and are adding huge charges every month. The house is worth about the same as we owe,and if I'm honest is too small for us and our 3 kids. We have fought and fought with them to get a reasonable payment plan but GE just seem to make things up as they go along,asking for bigger and bigger amounts every month and always tell us our arrears amount, but this must include a load of charges as it is far more than the payments we have missed.. Sometimes I feel it'd be best just to hand the keys back and rent a bigger house for quite a bit less than we pay BM and GE.

 

If it does go to court can they include the arrears charges in the total, and if we did hand the keys back,BM would be paid off completely so would GE come chasing us with what we are due tem plus all the charges they have been adding over the years? My wife was told that out of the £300 we pay each month,£280 go to pay interest and charges- I can't see us ever paying this off...

 

Just after some pointers about what we can do, what would happen if we did end up in court,and what to expect if we did go for voluntary repossesion?

Link to post
Share on other sites

I will look at your thread in more detail tomorrow. But as a quick pointer if there is any chance you will owe more than the house is worth if it is undersold - it would be if empty and in possession I would ALWAYS recommend selling rather than hand the keys back. You are entitled to stay in the house while selling and you will keep control of costs as well.

 

Also there have been some successes in reclaiming mortgage charges .

Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

http://www.consumeractiongroup.co.uk/forum/images/icons/icon1.gif

offer from A&L 24/8/07 - after case stayed

 

"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

 

 

PROUD TO BE AN ORANGE

Link to post
Share on other sites

Many thanks,

We have spoken to BM again,and they are being really good, just GE who are causing the real problems, which seems to be a common thing when reading some of the posts on here. I think I'll send in a SAR before making any rash decisions!. I've learned a lot just reading some of the excellent advice!

Link to post
Share on other sites

Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

http://www.consumeractiongroup.co.uk/forum/images/icons/icon1.gif

offer from A&L 24/8/07 - after case stayed

 

"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

 

 

PROUD TO BE AN ORANGE

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...