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    • 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.
       
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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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CAG toolbar - very disappointing


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BF , I didn't realise this thread existed until today ........ and as I'm on ths site more or less daily .... maybe you should have advertised it more ...... or am I just going doo lally ?:rolleyes: lol! ( answers to BF on a postcard with a tenner attached ! ;))

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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How about those who GIVE advice rather than receiving it TIFO ? If they were forced to donate (although I have donated in the past anyway) the advice would dry up I'm thinking ..... :)

 

I don't see how that is relevant, it is the people RECEIVING the advice that may benefit from it. The person giving it is doing so FOR FREE in that sense.

 

If EVERYONE was forced to pay a small fee upon registration (e.g. £5) then that is fair to everyone as they can then benefit from RECEIVING and GIVING advice. It would also be fair for the people who lurk and get advice but never post. And it would make 'ogres' pay as well!

 

Bottom line: if the site is useful to you then you should donate. Nothing can come for free forever.

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Though not a tactic I would use, I've seen other sites go 'offline' for a few days at a time and cite "we need donations to keep going". Those that need to use the site will then realise how useful it is and how important it is to donate to keep it going.

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Then there can be a 'banner' at the top of the pages which shows target donations required and amounts reached in that month. An easy to use scale and one used by many sites which rely on donations.

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Or just go through the membership rolls, anyone who has never donated should be invited to do so.

 

I personally can't see why every member can't give 50p or £1 per year. That would more than cover CAGs budget and allow for special projects and further much needed research and consultation to be periodically undertaken.

 

I think anyone currently using CAG or having benefited from it in the past would find it hard to not afford 50p to £1 per year.

 

@250k+ members this would be £125k to £250k raised!!!

The matrix is intrinsically flawed. Within it is the program for it's own destruction. If you are reading this, you are in the matrix and it's days are numbered...so watch out! :eek:

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I would be very happy to pay a small monthly fee. I did actually write to the Mods at one point to set up a monthly standing order to the site - I was actually advised not to do this, but to wait instead until I'd reclaimed some bank charges and make a donation from that. In my case, that's not really relevant.

 

Anyway, if somebody would care to give me the relevant bank details I will happily set up a monthly standing order for, say, £5 per month. If only 10% of the registered members did the same there wouldn't be a problem. Also, I am in the middle of legal proceedings with Egg at the moment. If I win that one, I will make a larger donation.

 

Regards to all.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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Come on then Site Team - give us the details so that we can set up standing orders.

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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  • 5 weeks later...

Would it be an idea to turn the organisation into a charity? I know a specialist in charity accounts.

 

For -

 

A little more trust that money donated and raised will be spent on the aims of CAG, I should add I have no qualms here but it does give some confidence to others.

 

Ability to claim tax relief on donations at 20% giving an immediate boost to the existing finances.

 

Ability to apply for funding usiing funding specialists. The chap I know also does this. There are a lot of EU social fund programs to support education relating to poverty.

 

There is money around to set up social enterprise companies at the moment. A lot of it. It won't be here for long though as the government seem to want to ditch involvement with EU social funds etc even though it is our tax money coming back to us. Logic escapes me on that, but the money is there.

 

To maximise the potential for grants, this should ideally be set up in a Tier One area like Cornwall.

 

If set up as a limited company, this gives some distance from liability, though the trustees can be held responsible for debt, though insurance is available for this and should be offered to trustees to indemmify them.

 

(Edited to add - this would protect individuals from massive costs should we go all the way and loose).

 

The fact the banks would be in effect acting against a charity for the poorest and those in financial distress through the greed of their directors would make the publicity more unfavourable for a bank. Don't forget that there are new corporate responsibility laws that come into effect soon hopefully. See here for more details on this.

 

Against

 

Costs in running a charity are not small, there are audited accounts to consider, (again, the chap I know is qualified to do this).

 

Solicitors needed to draw up your constitution. This can be expensive.

 

I think there would need to be at least 2 full time members to run such an enterprise. I don't think realistically you could rely on unpaid workers as you would be in serious difficulties should they leave the organisation in the lurch.

 

My partner and I have a good knowledge of promotion through media and social media for which we would be prepared to donate some time.

 

Is there a facebook page for CAG? I would be willing to maintain one.

 

Is there a Twitter feed? Again, I can do this.

 

Press releases? I don't have time for these but someone could.

 

A media area on the site? I mean a proper area with all the links to articles published in the media by CAG? Journalists like to bash banks so an easy to use resource of cases like the A&L human rights EU case would be great.

 

None of this is meant to be a critisism, much may have already been considered and rejected for good reasons I am not aware of. One thing is sure. Without a properly resourced fighting group, we will never see our money and the banks will continue to bully the poor and vunerable. The government does not care. The British are too apathetic to bother. An financial education charity is both needed and would, I feel, gain popular support off the back of the fat banker debates raging in all the bars in the UK every night.

Edited by disgruntledofcornwall
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Turning it onto a Charity means it'll come under the regulation of the Charity Comission. Despite all the 'pros' you've highlighted above, this could become an issue further down the road if matters that are considered 'anti-government' start to be raised.

The matrix is intrinsically flawed. Within it is the program for it's own destruction. If you are reading this, you are in the matrix and it's days are numbered...so watch out! :eek:

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Well most of the large organisations directly challenge government on core policies without any issues, Trident, nuclear power, mental health, anti terror laws, freedom of speech so I don't think this is really an issue.

 

As we all know, the government were complicit with the OFT failure, they guided the OFT to take the course of action which could only lead to the loss of the case. I imagine the (alleged and hypothetical) conversation went something like

 

Banks: Remember all that money you lent us? Would you like to see it again...?

 

Government: Yes, it was hundreds of billions of pounds. The country is bankrupt.

 

Banks: Well you won't unless you drop the charges case.

 

Goverment: Oh bug*er.

 

There is no point in trying to change policy at this stage. Or ever.

 

The fact is that the banks are probably acting unlawfully in the current legal framework. They know it and we all strongly suspect it. There is no need for new laws. The CCA should be enforced on banks for OD's, the UTCCR needs to be enforced. The issue we all face is actually getting enough money to take them to court in the first place and having a sustained barrage of high profile cases so they cave.

 

Then we need also to press more cases where the banks jump out of fast track to the ECHR and get binding judgements under article 6 as Govern have attempted, (in progress).

 

I know a fair amount about how the Charity Commision works and generally they are only concerned with bent directors stealing money from the charity and there appear to be hundreds of them. They are quite busy there.There are costs associated with the audits required but I know someone willing to do that at much reduced rates.

 

I can't personally see that there are any problems with challenging the status quo on financial matters, certainly no where near as contentious as anti terror laws and the RIP bills challenged by human rights charities. I think if we win the cases, the law will be clarified and there will be no need to do any sort of government lobbying. Just my 2p.

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  • 3 weeks later...

Guys, just tried a few times to donate and getting a fatal failure message.

 

re: toolbar, how difficult is it to produce a version for each browser?

 

I use safari but will revert back to ie for the time being and install the toolbar.

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Hi, RoadToRecovery.

 

I'll flag this up for Webmaster.

 

Regards.

 

Scott.

 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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I tried to donate via paypal, got a message from PayPal telling me that my bank will not allow donations to this site! Can the banks really tell me to whom I may or may not make a payment? Very worrying if that is so. Have donated in the past and not had any problems.

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Hi, sisternumber1.

 

I will bring this to the attention of Admin.

 

Regards.

 

Scott.

 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Sorry, but this is going to sound negative, negative negative.

 

I wish we could send out lots of emails but we don't have the money.

 

To send a bulk email to our entire userbase would probably cost £3000 or more.

 

 

Not sure why it would cost money to send out an email? I used to work for a large PC manufacturer and did the selections to send out the newsletter to about 100,000 customers at a time via a program called Mail King, and it didn't cost a penny ... Was planning to donate once I have over £1,000 worth of charges back that the bank has taken from me over the last 5 years, but the whole process seems so complex that I'm not sure if I'll ever manage to figure it out (e.g. how to calculate the compound interest, which seems to make far more sense than just the standard 8%). I've downloaded the toolbar though if that helps, will have to see how I get on with it.

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Good point fighting for victory ....... and welcome to the forum :-)

 

Doesn't CAG send out an e-mail to everyone who has accessed a thread , to let them know there is another post on it ? I know I get notice every time a thread I have subscribed to has more posts on it ..........

 

Surely those don't cost money or it would be unprofitable to do this ??

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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Just as an afterthought FFV, would these links on Compound Interest be any good to you .............

 

 

 

England - Simple - Excel

England - Simple - Works

England - Simple - OpenOffice

 

England - Advanced - Excel

England - Advanced - Works

 

Or – for the brave – Interest on Interest ...... by bankfodder

 

http://www.consumeractiongroup.co.uk/forum/general/201984-why-let-your-bank.html

 

Explanation of Advanced spreadsheet calculations(courtesy of pete castlebest )

 

http://www.consumeractiongroup.co.uk/forum/hsbc-bank/180009-about-sar-hsbc.html#post1996894

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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Just as an afterthought FFV, would these links on Compound Interest be any good to you .............

 

 

 

England - Simple - Excel

England - Simple - Works

England - Simple - OpenOffice

 

England - Advanced - Excel

England - Advanced - Works

 

Or – for the brave – Interest on Interest ...... by bankfodder

 

(Can't post links)

 

Explanation of Advanced spreadsheet calculations(courtesy of pete castlebest )

 

(Can't post links)

 

Thanks, I came across the first link yesterday and downloaded the spreadsheets, but I get errors in some of the fields with formulae in them, so maybe it's an Excel/OpenOffice incompatibility (I use the latter). I think though that I've now figured out myself how to calculate the CI - sometimes I just lack faith in myself and tend to panic, until I realise that things aren't that difficult as I initially think ... :)

 

Not going off-topic anymore though, but will be starting my own thread instead.

 

With regards to the CAG toolbar I've got to say though that the only functions that seem to be working are 'Links' (and not all of them - some of them are dead links) and the two 'Web Search' buttons / drop down (which both direct me to Google, which is exactly the same as my start page button already does anyway). My password that I enter under 'Options' gets replaced each time with a much longer one (so 'New messages' presumably doesn't work without being logged in correctly) and the 'Thread' and 'News' drop down menus as well as the long one without a description don't do anything either.

 

Am I the only one experiencing those problems? Cheers.

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