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    • I have a problem, a serious one. On mid November 2023 my boiler (installed 10/21) failed and flagged up the code 29.10: blocked flue. The EB engineer came out and replaced the fan, said it was unusual, put it down to storms. On 16/12/23 the same thing happened. Another WB engineer came 18/12/23 and fixed it, but said it isn't the boiler, it is the flue, and that he would mend it this time under the guarantee but they would not do that again if it failed unless I got the installers to reinstal it. On 27/12 it failed again. 29.10. I did not call them because of their saying I would have to pay. I contacted the installers who responded, then stopped when they saw the WB report of 18/12. By February I had had no central heating or hot water since Christmas, so I posted a job for a heating engineer to give an opinion on the flue installation. He found the flue blocked with vegetation from the trees my neighbour planted near the wall, and which I have been desperate to get uprooted. He gave a report and photos, and agreed the flue needed reinstalling. I got nothing from the original installers, so I contacted the Gas Safe Register. They sent an inspector, who gave a full report and had the original installers down and they reinstalled the flue as instructed, and notified LA Building Regulations.   On Friday I received a certificate from the Gas Register saying the reinstallation of the flue had  been carried out by a registered heating engineer.  It was from the installers, and the certificate does say that it is 'not conclusive evidence' and they had notified the local authority Building Regulations on my behalf.  As I only received it Friday, I have not yet pursued it. On Thursday, as the installers said they had reinstalled and there was nothing wrong with the flue installation, and that the boiler was not working, I wrote to WB and asked them to come and repair the boiler.   During all this time I have been in contact with various people, including Citizens Advice.  I had hoped they would refer it to the Trading Standards because you cannot contact Trading Standards yourself.  I am hoping they will.  I have other serious issues to deal with.  I don't think elderly people are helped as much as they should be.   I had an email from them Friday - yesterday - demanding I deposit £200 with them before they come down to repair it. I told them I query that, and said I will consult on my consumer rights, sending copies of that to all concerned. This is their response: Thank you for your email. The £200.00 is reserved to ensure the work has been completed correctly – in the case where remedial work has been resolved, no charge will be taken. This is due to the amount of calls we have reattended in the past where remedial work has been said to have been completed but hasn’t been. If the issues detailed in the report from our previous visit have been issued, the money will not process and will simply go from reserved back to the customers account without ever leaving it. Under our Terms and Conditions: 6.1 Assignment and Subcontracting. We may at any time and without any notice to you assign, transfer, charge, subcontract or deal in any other manner with all or any of our rights or obligations under these Terms. You may only transfer your rights or your obligations under these Terms to another person with our prior written consent, which we will not unreasonably withhold or delay. Please refer to our website for full terms and conditions." Can they demand the money up front like this?   It is a week's state pension.  Would anyone give a whole week's pay for something which should be under guarantee?  I can copy and paste the various reports I have had from Worcester Bosch, including the one of 10/2021 when it was installed and failed 24 hours later.  The boiler worked until November 2023.  Also, I cannot understand the terms and conditions, because the boiler was given under the ECO3 scheme.  I have been on disability benefit - DLA - since 1992 and I don't remember signing anything with Worcester Bosch.  I am not sure if I am allowed to attach all the correspondence here.  It will take time, because the page keeps being unresponsive and I have to keep clicking 'wait'
    • for how many weeks/months/years have you been using it twice a week for...roughly?   she will have to request a new card, it wont be reissued or sent back to her if it was retained by the inspector.  
    • Liz Truss says Tories are part of a Blairite attempt to silence her. Reform UK leader Richard Tice said the Conservative Party is 'socialist' and suggested Rishi Sunak is not a 'real conservative'.   .. says the definitely NOT real Conservatives   Lets also hope that Starmer implements a clause where bringing the UK into disrepute, or breaching the requirements of ex UK PMs results in the permanent withdrawal of ALL UK taxpayer funding of them    
    • let 'em get on with it. they nor you have actually read what consequences under CONC mentioned in our SB letter mean under the law. dx  
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Old debt


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I am currently having problems with a company trying to recover an old debt. I started a Hire purchase agreement in 2004 for a motor vehicle. I had to have a guarantor for which I used my farther.

Two and a half years later I got into financial difficulty though illness and no work. It came to the point where I couldn’t keep up with payments and was receiving a lot of harassment. Every payment missed they would charge the same again for been late so would have to find double for the amount to bring the account up to date. With my farther been guarantor he was getting hassle also.

 

After a couple of months of no payment, it got to the point where the company sent a representative to discuss the account. After discussion I was given the option to bring the account up to date or to surrender the car and pay any outstanding amount after auction. I was told that surrendering the car wasn’t classed as repossession and the agent also told me that if I was to surrender the vehicle my farther would no longer be involved in the agreement. He also said that 99 percent of the time people don’t have to pay the arrears they just get wiped off. This sounded appealing and as my farther was getting hassle along with myself I chose to surrender the vehicle as I didn’t want him involved in this any more and just wanted rid.

A few weeks later the car got taken away, I never saw this as I was in hospital. After the car was taken we never heard a thing for about 6 months, I rang them every week to find out if it had sold and for what amount. After 6 months they told me it had sold for one thousand five hundred pounds and told me there was around 6500 left on the agreement and had to arrange payment plan. I arranged a plan and paid them for four or five months but then for some reason lost contact.

 

Now nearly four years on thinking the debt must have settled for not hearing any think my farther received a call from a company demanding money for the debt saying that they had brought the debt and couldn’t contact me so with him being guarantor he was liable for this. Now I understand that in a normal case that would be correct as that is what guarantors do but I had been told that he was no longer joined to this so it surprised me that not only a company was ringing about the debt but was demanding money from him.

After speaking with the company my self they say they have no record of what happened and was going by the current agreement, they also told me my car sold for two thousand pounds which is five hundred pounds more then the last company said.

 

They want a settlement figure of £3995 or 120 payments of £49.95.

 

I cant really afford these payments and don’t want my dad getting harassed again, neither of us have the settlement but then why should he anyway.

 

Other points are that I had payment protection but cancelled it due to it not been worth while. Also Iam not a hundred percent but think I may have paid 50% if not far from it.

 

Can anyone help with this thanks.

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  • 2 weeks later...

OK first things first, I would send a sar to the original creditor for ALL info on this alledged debt, secondly when was the exact last time you made a payment or written acknowledgment on this debt.

 

in the mean time tell the new dca that you dispute all this debt due to being informed at the time of what you said above and that the onus is on them to prove otherwise.

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