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    • Thank you Bankfodder.  I used the term frustrated agreement purely based on my own research and what I found on the Govt's website, especially in relation to Covid.  My situation appeared to fit but if it doesn't, it doesn't. The length of time the actual works themselves will take is not written into the agreement but I was told 2 weeks, they are doing the interior ceiling and electrics too. I was prepared to accept the new date of 7th Dec until I was told I couldn't speak to their Director for two weeks and then found out that they haven't applied for building regulations yet, this is something else they are doing on my behalf.  As they can't order anything until they have the regs through I can't see how the roof is in the process of being made (which is what they keep claiming). I contacted the CAB as I wanted this wrapped up for the weekend and had two conflicting recommendations on this forum.  One to just let the credit card company handle things and others saying I must give more time.  I'm not complaining, am grateful for advice - just getting more and more confused as to what I can/can't do. If I can avoid it at all I would rather not go through another 6 weeks of this, waiting for them to prove that they can't manage the Dec.date.  By that stage it could well be feasible that the roof is in the manufacturing stage, where as at the moment it can't be, which would further complicate things. Based on all this and what the CAB said I sent the email below last night and received Homeview's response this morning. If it came to it that I retracted what I've said and allowed them to go ahead for 7th Dec. and they didn't manage that date, wouldn't it be the credit card company that would recover the deposit - not me?  BTW I raised a dispute with Capital One last night. Email.pdf
    • oh dear  i think you are in for a big shock   i doubt very much the loan is settled there will be £100's in unlawful fees i bet   we have numerous threads here about them in 2016 they were residing at   PO Box 1044 ipswich IP1 9YA   i would be sending them an SAR  don't ever ring them.   have you checked your deeds online recently? check they are on there. and has the loan ever been subject to legal action?   if not that would be a rare thing to us.   https://cse.google.com/cse?cx=partner-pub-8889411648654839:3134625398&q=Skye Loans&oq=Skye Loans&gs_l=partner-generic.12...0.0.1.951169.0.0.0.0.0.0.0.0..0.0.csems%2Cnrl%3D13...0.0....34.partner-generic..1.0.0.1dXrS2w9t2c    
    • doesn't say will anything. read it properly and carefully.   only the owner of a debt can get one of the many fake/tame paperwork only solicitors to issue any proceedings and they would have to abide by the courts pre action protocol of 30  days letter first!   as it's owner...i can try and instruct my dog to sit, if it does is a totally different matter. if my neighbour, who doesn't own my dog, tries it, it would ignore them.   the bottom line is there is nothing anyone can do to you. gyms don't do court gym debts don't appear on credit files.   any DCA they might get to write to you ARE NOT BAILIFFS any a DCA has ZERO legal powers on any debt, no matter what it's type.   dx    
    • This letter arrived in the post today, please advise how to proceed. I know the forums say they won't action but am very worried about this
    • go save his bacon clint and put him right...   dx  
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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
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    • 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.
       
        • 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!
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Mollycat, there is nothing to stop you writing to the CEO of the council and clearly mark the letter FORMAL COMPLAINT. As I understand it - whilst your comments may have been noted - only Formal Complaints are logged for statistical purposes...

Best Wishes

Rae.

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Thanks Rae, You're kind, I live by that same policy.

 

I have a long a complicated past, but in short after the horrible death of my parents(they were hit head on by a drunk driver and killed instantly) I lost everything, i was 17, and my whole life disappeared, i didnt know how to deal with it so i turned to drugs, i got addicted, ended up homeless etc, I was a heroin addict for 4 years.

I was 9 years clean last week infact, and that brief episode in my life opened my eyes to a lot, and from that my policy has always been to help others as much as i can, I worked for the YMCA for a long time as an ex addict drug counsellor, sadly working for a charity is bad pay, i do volunteering with them now and then though.

So you dont need to worry about that, When all this chaos is out the way i hope the knowledge you have shared with me i can relay to others and help them, I dont disappear easily :-)

 

I think i need to be clear on something, and please forgive me for lying.

 

My 'wife' is a he, So a gay relationship, I chose to say 'she' as i posted on another forum recently and encountered a load of homophobia, and it was just very nasty and i thought it easier to od it this way, but truth be told im a crappy liar, and i dont like doing it, so there you are.

 

To be honest i love him to death, but all the things recently i guess its just been too much for him, hes 5 years younger than me, Hes 25 im 30.

Im not sure there is much chance of reconsiliation at this point sadly, Im sorry if i sound heartless, but if i am too sincere ill only break down in tears again, hes the love of my love, i will only marry once, im totally lost without him, but i need to focus on this and get this sorted before anything can move forwards.

He isnt the type to sit down and read something like this sadly, as much as ive asked him, i have told him whats been said here.

 

Ive had a long day today, I dont think they called in, my ex was here all day as hes sick with whatever i had, and i spent the day out looking for a job, there were no letters thru the door so i assume they didnt attend, i feel a little safer in the knowledge that i dont actualy 'have' to answer the door, and i wont, i just pray that he wont either.

 

It's Sunday! Thank god, A day where i dont have to worry about them coming, i hope it lasts a long time.

 

Thanks again for all you guys have done to help me, i really hope i can resolve this situation soon and start to move on with my life.

 

Rae, i owe you a drink for the letter and the help, I hope you take up on it one day :-)

 

Nick

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Damn i didnt see page 2, will read this tomorrow morning, far too tired now.

 

And yes im a night owl, night is far better than day :)

 

On another note, Mollycat i appreciate you are having problems too, But im having HUGE problems, and would be really cool if you started your own thread as i did instead of doing it on mine, good luck.

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EnglishN, have absolutely no fear here. It was a joy to read your story, to see you'd been through the mill and come out smiling on the other side. Clearly you have more within you than the average person.

Lied? I don't think so. Cautious perhaps. Your boyfriend? Where is the problem?

I would still advise bringing him into the thread. His age is immaterial. 5 years younger or 5 years older is no never mind. You need each other. But the choice is yours.

Best wishes.

Rae.

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Hes actualyl by law my Husband, We had a civil partnership and are effectively 'married'.

 

Im glad it doesnt phase you, normally im very very open, i always have been, just when i got the homophobia form the other site i thought it may be easier to do things this way.

Trust me, he wouldnt look on this thread, if he didhe wouldnt read it, hes a difficult guy indeed.

If the choice were mine he'd still be with me, sadly its not my choice.

Anyways, today is sunday, and im classing it as my day off, so i will do whats needed tomorrow, I wish you all a great day and speak tomorrow.

 

Nick x

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Hi Nick

 

I was so upset to read you felt the need to hide your relationship due to mindless morons.

 

I can see you are in excellent hands with Rae and note PT is also available to you so your worries are now only a proportion of what they were when on your own.

 

I sincerely hope your husband will reflect for a few days over what has happened and come to realise that two people truly in love are a formidable combination when either of the union are threatened.

 

WD xx

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... I was so upset to read you felt the need to hide your relationship due to mindless morons ... I sincerely hope your husband will reflect for a few days over what has happened and come to realise that two people truly in love are a formidable combination when either of the union are threatened ...

 

Perfectly said WD. I do have my fingers crossed for a happy ending but, whatever may happen, they both have my best wishes for the future...

Rae.

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Hi EN

 

How far have you got since this all started. Did you contact your local Councillor? he is there to help you. You also need to contact the Council to find out how much the Liability Order was for and how much is still outstanding. Incidentally are you both named on the LO or just yourself? It's probably a good time to send the Bailiffs a letter too asking about their charges as it appears they may be about to overcharge you.

 

Send the Bailiff the following - adapt to your own needs and send by email & letter:

 

"From:

My Name

My Address

 

To:

Acme Bailiff Co

Bailiff House

 

Ref: Account No: 123456

 

Dear Sir

 

With reference to the above account. Can you please provide me with a Statement of my account including Computer Screenshot. This is not a Subject access requestlink3.giflink3.giflink3.giflink3.gif under the Data Protection Act S7 1998 so does not incur a fee of £10. I also require the name of the attending Bailiff and the name of the Court he was Certificated at. You are obliged to provide this information.

 

I require this information within 14 days.

 

Yours faithfully

 

Ripped off customer"

 

If you can you should also start making payments direct to the Council online. Pay at a level you can sustain but also bear in mind next years CT bill is due shortly.

 

PT

Please consider making a small donation to help keep this site running

 

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EN, I have sent you a PM so please check your inbox when you log on. [Towards the top right of the screen, notifications].

Best wishes.

Rae.

 

[Note to fellow caggers: it is a personal message. I mention it here as he's new and may not have discovered the messaging system]

Edited by RaeUK
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Hi Nick

 

Been reading your page, ~I too have had problems with council tax baliffs, but my friend put me onto a guy who has his own web site...... I actually called him the other day to get some one off advise , i think he charges £125 but gurantees to have your costs massivley reduced...!!!!! and from what i have read on your page here , they have broken many many rules !!!!!!!!!!!!

 

Regards

 

Bev

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Hi Bubbles, I know your intentions are good and - like many of us here you have Nicks best intentions at heart.

But the joy of the Consumer Action Group is that it is a FREE self-help service run by those who give their time FREELY for the benefit of those in need. I'd suggest to anyone considering paying £125 for advice they can get for FREE just donate to this site instead.

Best wishes.

Rae.

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  • 2 weeks later...

Im so so sorry i havent posted for ages, I was first ill with tonsilitus then internet was down, and argh just a mess.

 

Well i have some good news....

 

Equita have been paid, in full. So they are now off my back which is great.

 

Sadly my ex is a lost cause, some things have happened of late that have shown me theres no hope, sad, but i guess thats how it has to be.

 

I just wanted to say thankyou for all your help, you were a light in the dark when i needed you and you lifted my stress immensely.

 

I will still be on here, so feel free to post, Would be cool to help others with what ive learnt.

 

Nick xx

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Hi Nick,

Mixed news I see.

Glad you've got rid of Equita but sad to hear about your ex.

Do take a little time out for yourself now and then look to getting your own life back together.

Best wishes.

Rae.

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Hi Nick

 

Like Rae I'm sorry to hear about part of your news but pleased to hear you appear to have put the nightmare behind you. Now that all is paid you can if you wish play from a position of strength by asking about the charges you have paid. There can be no come back on you now as they have no hold over you. If however you wish to just put it down to bad luck and not continue then I fully respect your decision.

 

PT

Please consider making a small donation to help keep this site running

 

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Hey guys,

 

Thanks for the good wishes.

To be honest, I know they have over charged me, I know i can probably get some back, But i just dont want to deal with them ever again, It was my own fault i got into this mess, So i guess there is a certain amount of karma due there, So im going to write it down to bad luck.

 

I true as i stand here today, i wont ever let this happen again, I was also appalled by their behaviour, so im debating whether to send the letter about how they acted so it doesnt happen to anyone else.

 

Nick

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Hey guys,

 

Thanks for the good wishes.

To be honest, I know they have over charged me, I know i can probably get some back, But i just dont want to deal with them ever again, It was my own fault i got into this mess, So i guess there is a certain amount of karma due there, So im going to write it down to bad luck.

 

Respect your view on this.

 

I true as i stand here today, i wont ever let this happen again, I was also appalled by their behaviour, so im debating whether to send the letter about how they acted so it doesnt happen to anyone else.

 

Probably pointless, Andrex would be more use.

 

Nick

 

Best wishes for the future

 

PT

Please consider making a small donation to help keep this site running

 

[sIGPIC][/sIGPIC]

 

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