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    • Thank you very much for your reply!    I definitely put the value when I purchased the insurance. I unfortunately can't remember if I stated what the item was but it would make sense that it would also request this information. (I used the oh-so-convenient ..tsk.. little machine in the shop that you just enter all the details into and it prints it out for you). I will research as to whether that was something I indeed needed to enter; if I did I certainly would have put guitar.    I have photos of the guitar before posting but no pictures of it wrapped up unfortunately, as it didn't occur to me I'd need to do that (with being new to selling online and it being the first time I'd posted anything of value... Sigh!!)    I do have the buyer's message stating there were signs of rough handling to the package however.    The damage is to one of the dials (completely smashed) and a crack down the neck.    I'm new to this site and I've been trying to use the search function to find other hermes related posts but it only brings up results for lost claims not damaged (when I try to move forward through the results it doesn't seem to let me but I'll keep trying!) 
    • just add sorry it not on my statement not on anything like that but it been used block my new application by student loans even though it been sold.  I had no idea to be honest at all it even existed as i still had slc finance and that showed as okay.  Now i am more worried about the university try charge me 2250 pounds for being two days over the deadline, as soon as I was reject i withdrew from the course as I did quick research and noticed it be long process to even try and overturn decision.  My tutor will sign me off on the deadline hopefully just the lady in credit control was saying does not matter two days over has me worried.  
    • The majority of Cumbria is in tier 1 making it ineligible for support offered to tier two firms. View the full article
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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.
       
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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.
       
      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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dedutions from jsa ..advice needed!


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:)Hi all

I need some advice I am on JSA and I am a parent. I dont get the full amount as I have a small p/t job so I recieve £74 a fortnight £19 is already being taken off by debt department for an overpayment ..I have tried to get this lowered bit with no luck despite the fact I have sent three letters and have had no reply. Today I have got a letter from DWP wanting to take off yet another £15 a fortnight for a social fund loan which leaves me hardly anything to live on I just dont know what to do It would be near £30 taken off in all

I am happy to pay back but these rates are too high my question is can I offer for example £5 on each per fortnight?

I am struggling so much at the moment what with heating its costing me so much (thats before anything else)I cant even afford to tel them so I have to write and they dont reply

Any advice much appreciated

kind regards

Mags

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Hi Mags

 

Sorry to hear you are struggling. If memory serves you accepted the repayment amount when you accepted the social fund loan.

 

I am pretty sure you can ask them to reconsider the repayment amount after a while (dont think you can do it straight away), you need to give them a statement saying that although you agreed to the repayment amount you are finding it hard to survive on the remainder of your benefit. My suggestion is to make a detailed list of your incomings and outgoings showing how the repayment rate is putting you in hardship and ask them to reconsider the rate.

 

It doesnt always work but it certainly wont hurt to ask. I would definately give it a week or two before asking, to show that you have tried to survive but due to your outgoings you are struggling.

 

Hope that helps.

Advice given is my opinion only, I am not a legal or financial expert (far from it).

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