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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.
       
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      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. 
       
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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.
       
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      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.
       
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Sheriff puts Bank of Scotland to proof on bank charges


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is it your own case with a result dougal16t or one of the others ???

HTH (Hope This Helps) RDM2006

 

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For the record I am not aware that any of the site team know any more about the GLC cases, than they have posted on their website.

 

Dougal - I look forward to hearing your news. I believe that you are not located in Scotland, so would I be right in thinking that you are not one of those being represented by GLC?

 

Personally, I'm as frustrated as everyone else at the lack of more news, but I guess there are good reasons for this. I just hope that people have not agreed to confidentiality.

 

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Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

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:p

 

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Evening all,

 

You are right, I don't live in Scotland, but I am Scottish by descent.

 

It is my own case which I am referring to.

 

Best wishes all

 

Dougal

Update: 2013 Following our recent (9/7/13) hearing about Bank Charges at the Court of Appeal, and refusal to grant permission to Appeal; an Application has just (23/10/2013) been made for a fresh hearing and the Court Location is yet to be confirmed!

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I note the big post 1319 refers to AMENDING current small claims. In my own case I just complained to the Bank and they told me "no dice" - follwoed by FOS who supported the bank - so I was waiting on the SC judgement - so I never raised any case that could now be amended.

 

If the arguments in post 1319 do prove successful are they only relevant to those with a claim already made - or can we make fresh claims on the grounds we would have done so earlier but were misled by the Banks as to our actual legal position?

 

On that point if the banks did mislead us - are they not guilty of fraud or misrepresentation? At a minimum their misleading info caused us to "take a transactional decision we would otherwise not have done - so surely against CPUTR?

 

BD

£50k saved and £7k charges refunded:

MBNA & A&L 35% F&F direct - saved £23k. Birmingham Midshires £1700 charges refunded

Abbey Loan/BCW 50% - saved £2k. Barclaycard/CSL 40% - saved £6k

Monument/DCA 35% - saved £1k. LTSB/Wescot 50% - saved £4k

HBOS Visa £5k charges refund via Blair Oliver Scott

RBS Direct Line/(genuine) solicitors June 2010 40% - saved £3k

Morgan Stanley/Aktiv Kapital £11k SB Nov 2010

Over £40k balance write off and charges refunds to fight for:

HBOS O/d Charges £5k. Egg Loan/Aktiv Kapital CCA Dispute £8k

Egg Card/Fredrickson taking £5 monthly but CCA & Charges Dispute £4k

Goldfish/1st Credit DN/TN Dispute £9k. Capital One/CSL charges claim £4k

Barclaycard/CSL taking £5 monthly on £10k debt

 

I hope I have helped - if I have please hit my star - and recognise the others who have helped too.

Bigdebtor

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For the record I am not aware that any of the site team know any more about the GLC cases, than they have posted on their website.

 

Personally, I'm as frustrated as everyone else at the lack of more news, but I guess there are good reasons for this. I just hope that people have not agreed to confidentiality.

 

 

I totally agree - but as someone said earlier, whilst the actual "cake" might be hidden in a confidentiality agreement, surely the "recipe" can be reproduced? If so then we'll be back to the position where every claim is met "as a goodwill gesture" as it used to be before the OFT stuck its oar in and let the Banks win in the SC on a technicality.

 

Is there any way we could summon any Sheriff who was involved in a case that went confidential as a witness to give evidence as to what he would have ruled had the case progressed to a conclusion and the rug not been pulled from under him? After all, if it was now clear to the Sheriff the banks should lose (and thus the public win) then surely it's in the public interest not to allow them to hide behind any such confidentiality agreements?

 

BD

 

PS - I've just realised - I'm falling back into the trap of trying to apply moral judgements and common sense to THE LAW (sigh!!!).

£50k saved and £7k charges refunded:

MBNA & A&L 35% F&F direct - saved £23k. Birmingham Midshires £1700 charges refunded

Abbey Loan/BCW 50% - saved £2k. Barclaycard/CSL 40% - saved £6k

Monument/DCA 35% - saved £1k. LTSB/Wescot 50% - saved £4k

HBOS Visa £5k charges refund via Blair Oliver Scott

RBS Direct Line/(genuine) solicitors June 2010 40% - saved £3k

Morgan Stanley/Aktiv Kapital £11k SB Nov 2010

Over £40k balance write off and charges refunds to fight for:

HBOS O/d Charges £5k. Egg Loan/Aktiv Kapital CCA Dispute £8k

Egg Card/Fredrickson taking £5 monthly but CCA & Charges Dispute £4k

Goldfish/1st Credit DN/TN Dispute £9k. Capital One/CSL charges claim £4k

Barclaycard/CSL taking £5 monthly on £10k debt

 

I hope I have helped - if I have please hit my star - and recognise the others who have helped too.

Bigdebtor

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Thats dated 2009, there is like to be an update soon.

 

I note the big post 1319 refers to AMENDING current small claims. In my own case I just complained to the Bank and they told me "no dice" - follwoed by FOS who supported the bank - so I was waiting on the SC judgement - so I never raised any case that could now be amended.

 

If the arguments in post 1319 do prove successful are they only relevant to those with a claim already made - or can we make fresh claims on the grounds we would have done so earlier but were misled by the Banks as to our actual legal position?

 

On that point if the banks did mislead us - are they not guilty of fraud or misrepresentation? At a minimum their misleading info caused us to "take a transactional decision we would otherwise not have done - so surely against CPUTR?

 

BD

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At a minimum their misleading info caused us to "take a transactional decision we would otherwise not have done - so surely against CPUTR?

 

BD

 

That may be so, but there's nothing we as LIPs can do about that, CPUTR are a tool for the OFT, not open to us individuals. :(

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1st request to Dougal

some time yet.

 

in #1316 - anything further?

2nd Noomill, I realise your post #1319 is centred on Scotland - I really do- but is anyone able to put an English slant on the matters contained therein?

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Good morning kennyh and all,

 

Nothing to add at present. Case continuing at this moment in time. Apologies for lack of further information, there is a good reason for this - which I hope will become apparent.

 

Thanks to everyone, and best wishes to you all.

 

Dougal

Update: 2013 Following our recent (9/7/13) hearing about Bank Charges at the Court of Appeal, and refusal to grant permission to Appeal; an Application has just (23/10/2013) been made for a fresh hearing and the Court Location is yet to be confirmed!

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OK, HSBC using stalling tactics, now that is new (not). Don't let the buggers grind you down

HTH (Hope This Helps) RDM2006

 

THE FORCE (OF CAG) IS WITH YOU

;)

 

We've Helped You To Claim - Now Help Us Remain

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All advice and opinions given by people on this site are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.

 

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Dougal

 

The man of mystery

 

I hope u have missiles to rain down on the banks

That will cause them misery

We wait with hope

 

Try this one:-

Picture 173.jpg

:mad2::-x:jaw::sad:
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  • 3 weeks later...

just some info in the scots news

 

'....The lawyer said recent years had seen lots of cases where bank customers had disputed charges in the sheriff courts – but that sheriffs often took widely different views on the interpretation of the law.

A spokesman for the Scottish Government said it intended to introduce a class action procedure in Scotland within the life of the current parliament.

“The introduction of a class action procedure is a recommendation of Lord Gill’s Scottish Civil Courts review. The Government agrees with that recommendation and will introduce legislation in the lifetime of the current Parliament to allow that to happen.” '

 

http://www.scotsman.com/business/personal-finance/calls-for-individuals-to-band-together-to-take-on-big-firms-1-2291333

IMO

:-):rant:

 

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So - a 'class action procedure' does exist in England; anyone - is it appropriate to our requirements?

..

 

the oft tried it on behalf, and lost to a certain extent but not completely due to the mandate! but, maybe different in scotland?

Edited by Ford

IMO

:-):rant:

 

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just some info in the scots news

 

'....The lawyer said recent years had seen lots of cases where bank customers had disputed charges in the sheriff courts – but that sheriffs often took widely different views on the interpretation of the law.

A spokesman for the Scottish Government said it intended to introduce a class action procedure in Scotland within the life of the current parliament.

“The introduction of a class action procedure is a recommendation of Lord Gill’s Scottish Civil Courts review. The Government agrees with that recommendation and will introduce legislation in the lifetime of the current Parliament to allow that to happen.” '

 

http://www.scotsman.com/business/personal-finance/calls-for-individuals-to-band-together-to-take-on-big-firms-1-2291333

 

I fear we might be heading to another OFT SLC debacle if this sees the light of day! I would prefer to put my faith in Mike Dailly and GLC on this.

 

I have been following this - and many other now lapsed thresads for a very long time - I think the Banks want to use our mortality to keep this saga going until we are all dead! However I have very determined sons and now a grandson who will keep my fight alive on this issue!

 

One thing I remember from earlier threads is that the Banks used to claim that the £39 (or whatever) charge was simply "to cover our costs".

 

Surely the whole issue would just go away if the banks simply produced their evidence to back up these claims? Surely the banks wouldn't have been lying - and therefore can actually substantiate these claims?

 

BD

 

PS For some reason I can't get a sarcastic smilie - or any smilie to come up here - but for the avoidance of doubt I was being sarcastic and DID NOT MEAN the above!!!!

£50k saved and £7k charges refunded:

MBNA & A&L 35% F&F direct - saved £23k. Birmingham Midshires £1700 charges refunded

Abbey Loan/BCW 50% - saved £2k. Barclaycard/CSL 40% - saved £6k

Monument/DCA 35% - saved £1k. LTSB/Wescot 50% - saved £4k

HBOS Visa £5k charges refund via Blair Oliver Scott

RBS Direct Line/(genuine) solicitors June 2010 40% - saved £3k

Morgan Stanley/Aktiv Kapital £11k SB Nov 2010

Over £40k balance write off and charges refunds to fight for:

HBOS O/d Charges £5k. Egg Loan/Aktiv Kapital CCA Dispute £8k

Egg Card/Fredrickson taking £5 monthly but CCA & Charges Dispute £4k

Goldfish/1st Credit DN/TN Dispute £9k. Capital One/CSL charges claim £4k

Barclaycard/CSL taking £5 monthly on £10k debt

 

I hope I have helped - if I have please hit my star - and recognise the others who have helped too.

Bigdebtor

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PS For some reason I can't get a sarcastic smilie - or any smilie to come up here - but for the avoidance of doubt I was being sarcastic and DID NOT MEAN the above!!!!

 

Spoil my fun, already?! :lol:

Always happy to help where I can!

:lol:

Beware of legal advice given on a private forum - do you REALLY know who is posting? Are they REALLY accountable for their posts? What if you follow their advice and get something wrong?

It was Winston Churchill who said; "Democracy is the worst way to run a country except for all the others"

 

Advice and comments posted by car2403 are offered purely without prejudice. They reflect only my personal opinion and do not represent the opinion of this forum or it's management. You should always seek legal advice from a qualified legal advisor. As a member of the site team, I disable reputation - reputation points mean nothing, please check my posting credentials yourself and make an informed decision. You shouldn't PM me and await a reply - I may be too late with a response. No replies will be given in Private Messages - just as with getting advice from the forum, getting advice via Private Messages is dangerous. CAG is about sharing successes so others can follow your example, this is primarily why I'm here, so please don't be offended if I don't offer replies in PM that doesn't comply with this. Help CAG to help others by keeping your thread up to date.

 

 

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So - a 'class action procedure' does exist in England; anyone - is it appropriate to our requirements?

And Dougle - any news yet? Pleeeeese!!

 

 

Morning all,

Just a very limited update I am afraid, for reasons which will become apparent. The latest is that matters are proceeding.

 

As soon as I am able to release any further information I will do so, the reason for this reticence is that this is for everyone's benefit, and I have no wish to make a dog's oojit of it all now!

 

I thank everyone on CAG and those OTR who have all provided valuable input.........

 

Best wishes to all,

 

Dougal

Update: 2013 Following our recent (9/7/13) hearing about Bank Charges at the Court of Appeal, and refusal to grant permission to Appeal; an Application has just (23/10/2013) been made for a fresh hearing and the Court Location is yet to be confirmed!

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strange there is nothing from mike daily tho - the hearing was weeks ago?????

HTH (Hope This Helps) RDM2006

 

THE FORCE (OF CAG) IS WITH YOU

;)

 

We've Helped You To Claim - Now Help Us Remain

A live Site - Make a Donation

 

All advice and opinions given by people on this site are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.

 

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Why not show your gratitude And

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RM

 

The best thing to do is just wait:!:

 

strange there is nothing from mike daily tho - the hearing was weeks ago?????
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oh I am waiting lol

HTH (Hope This Helps) RDM2006

 

THE FORCE (OF CAG) IS WITH YOU

;)

 

We've Helped You To Claim - Now Help Us Remain

A live Site - Make a Donation

 

All advice and opinions given by people on this site are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.

 

However, if you have found any advice you have been given helpful.

Why not show your gratitude And

Click the * on the post you found helpful.

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I don't like Christmas, or surpises, for this very reason! :lol:

Always happy to help where I can!

:lol:

Beware of legal advice given on a private forum - do you REALLY know who is posting? Are they REALLY accountable for their posts? What if you follow their advice and get something wrong?

It was Winston Churchill who said; "Democracy is the worst way to run a country except for all the others"

 

Advice and comments posted by car2403 are offered purely without prejudice. They reflect only my personal opinion and do not represent the opinion of this forum or it's management. You should always seek legal advice from a qualified legal advisor. As a member of the site team, I disable reputation - reputation points mean nothing, please check my posting credentials yourself and make an informed decision. You shouldn't PM me and await a reply - I may be too late with a response. No replies will be given in Private Messages - just as with getting advice from the forum, getting advice via Private Messages is dangerous. CAG is about sharing successes so others can follow your example, this is primarily why I'm here, so please don't be offended if I don't offer replies in PM that doesn't comply with this. Help CAG to help others by keeping your thread up to date.

 

 

USEFUL LINKS; New User Guide to CAG | Can't find what you're looking for? | Intro to Consumer Credit Litigation | Is My Agreement Enforceable | Default (Surleybonds) Template Letter | Defaults - background, removal methods, challenges and taking a claim to Court | Digital Signature Guide | Overdrafts and the CCA

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Patience is a virtue

 

 

Give it to me NOW LOL

HTH (Hope This Helps) RDM2006

 

THE FORCE (OF CAG) IS WITH YOU

;)

 

We've Helped You To Claim - Now Help Us Remain

A live Site - Make a Donation

 

All advice and opinions given by people on this site are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.

 

However, if you have found any advice you have been given helpful.

Why not show your gratitude And

Click the * on the post you found helpful.

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