Jump to content
  • Tweets

  • Posts

    • By the way, have we checked that you did declare that it was a laptop and that you declared the correct value? Did you apply for the judgement yet?
    • You won't get any compensation for the the screeching.    you will have to find out what the reasonable cost of fitting a turbo would be and then that will probably be the value of your claim. Does that take care of all your losses?
    • Credit card was used maybe in 2014 last. then i was only repaying min. payments till 2016 but this was killing me and I had to stop. On credit reports shows both credit card and overdraft as HSBC accounts.    So if account is defaulted in 2016 would it disappear from credit file after 6 years or will stay there until is paid off?    I really thank you for your time.  E. 
    • They did supply a new turbo yes. Im happy to just get the fitting money back. Although I had to deal with high pitched screaming for weeks I'm sure that could do with some recompense!!
    • Can you remind me. Did the garage supply you with a new turbo for your £2,000? If it did, then you will need to consider what the normal value would be of a new turbo and that at least would have to be deducted from the amount you are claiming. It seems to me that if it was fitted incorrectly then you would be able to claim back all of the money which was paid in respect the fitting but not in respect of a new turbo if they supplied that
  • 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

Please note that this topic has not had any new posts for the last 3969 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 have posted all details in November, but briefly, we have two outstanding bills, one for approx. £1000 and the other for £1500. The first one has now gone back to Court aparently and the bailiff threatened that would put my husband in jail, however I have been reassured that it wont happen, as its not that we wont pay, we cant pay. For the second one I sent all the paperwork backto Rossendales and asked if we could make repayments at £20.00 per week, they refused and said we had to pay £500.00 per month for three months. Our incomings at the moment are £520.00 Tax credits, £120.00 Child benefit, £600.00 student nurse bursary and my husband is a self employed window cleaner and bringing approx £800.00 if the weather is good.(all monthly) OUr rent alone is £650.00 and we spend about £550.00/£600 month shopping, petrol to get me to Uni or placement and my husband on his round is about £200.00 monthly.....Then there is all the other bills, I am sure you can see where this is going:( I qualify in 5 months so will hopefully get a staff nurse position then at which time we can afford to start paying more off our bills and debts. My husband had some time off work after having an operation, self employed = no money coming in from him andbasicallys its all got out of control since then. I am not blaming anyone for this situation except ourselves....

Anyway the second bailiff from Rossendales has been round again today, with a notice through the door that says he will be coming back in 24 hours to take our stuff. I emailed the council back in November and have spoke to them basically they were not interested in taking it back. All i want to do is start paying some off this debt and then up the payments when i get a job next May.

I know I read somewhere that sometimes MP or Councillor can help.

I am studying to be a mental health nurse but i think it will be that needs help by the time i qualify!! Christmas is a couple of weeks away and I have not bought a single thing for my kids, with no prospect of being able to do so.... I am so desperate that I used our last £50.00 yesterday paying a loan broker to try and find us a loan to clear it all up, we are also behing with rent as we missed a couple of payments when husband was off sick! Sorry for the huge message, it kind of helps to get it all written down.

Thanks again

Link to post
Share on other sites

Further to the above I have just looked at the piece of paper the bailiff from Rossendales left, the amount is written in pencil :) classy! But I have just noticed that this call is for the first account that the last bailliff said he was passing back to the court. Is the WPO still in force? It was dated 7 September 2009. He has added 30.00 for knocking at my door, which I am not convinced he did as my dogs normally bark for ever when someone is at the door and there was none of that this morning. It is now in the hands of a Mr Chapman? no first name so cant check whether he is registered. So i am confused as to why they have not passed back to the court, we still have no means to pay this bill and we didnt agree a payment plan on this one. Sorry if my situation is confusing!

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

    No registered users viewing this page.

  • Have we helped you ...?

  • Create New...