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    • @honeybee13I genuinely think Boris is confused about what to do. Economic disaster v even more unexpected deaths.    The big problem with this virus is that many people have very mild symptoms or no symptoms at all, but can still pass on the virus to others.    And with winter bugs having some similar symptoms to CV-19, there are probably thousands in workplaces with CV-19 who just don't know they are risking others lifes.   If Government are going to lockdown the country for a period, it has to be really strict and that includes schools and Colleges.  They should have done this in a planned way around the half-term period.   
    • So you have been receiving more messages and threats??  This is what they do.   You are starting to feel nervous and worried??  That's why they do it.   Are you starting to think it might be better simply to pay???  Then it's job done.
    • From Dan Bloom on Twitter lst night.   'So in summary: Sept 21: SAGE calls for 2-3 week lockdown. PM refuses.   Oct 13: Keir Starmer calls for 2-3 week lockdown. Govt source brands him a “shameless opportunist”.   Oct 30: Government scientists say it’s now too late for a 2-3 week lockdown and it’ll have to be longer.'   And it's been announced to the Mail and the Times, not to Parliament. That's an odd way to run a country.
    • Thank you for the reply - I'm half expecting them to either drop the whole thing or to spring the "We had to tell the court that you don't want to pay so we're going to restart proceedings" idea given the language in the consent order that I signed with them. Going to read up and prepare to defend in case they fancy playing that game. It'd be nice if they would actually play by the rules for once...
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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.
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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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thinking about discon...my bank charges claim

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I started my bank claim charges claim back in 2006-7, i owed them about 2k overdraft, i was in a mess they closed my account and debt collectors chased for the over draft.....i discovered this site and realised how much bank charges the overdraft was made up of charges 2.5k


i started the bank charges case and the debt collectors left me alone a sort of win


any way roll on 2010 and the bank went for a strike out due to the oft case , i paniced and sent a "martin lewis" admended POC


now the case is progressing, i'm happy to leave the case in limbo, i've had an order from the court to attend "a case a mangment conferance" what ever that is ....


I'm thinking of giving in, as this is all well over my head and i'm thinking if a do a discontuance and then they can chase me in court over the charges i stand a better chance as a defendent?

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I know how you feel mate, we have been fighting HSBC since 2007 and they have now threatened to take us to court. We haven't been told our own court case has been struck out though:confused:


I trolled through 4 years of very disjointed paperwork last night and I'm not sure what to do now. Our claim amounts to the total in charges 2 accounts about £7,000.


I actually work for a lawyer so when I see the rubbish from DG it makes me really stubborn about carrying on but I'm just not sure if I can anymore.


Do we stand a better chance in court?????

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Hiya both, I think most people are in the same boat with HSBC at the moment, DG are telling everyone they won the test case so you should pay up now... this is total and utter rubbish.


Since the end of the test case they have tried this with me and I wrote back to them telling them that they are wrong so they passed my (so called) debt to two different collection agencies. I wrote to both collection agencies telling them they would have great difficulty collecting this debt as its already the subject of my own county court proceedings against HSBC... they have both given up too.


There are other things progressing at the moment and my advice is buy as much time as possible for now to let things clear.



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I know it's hard guys but you have to stay the course. I am in stuck in a rut with Santander but you have to keep fighting.


Please don't give in

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any idea what hppens at a case managment conferance? it seems a bit hard that i have to take a day off work to turn up for 15 minutes?


I'm thinking of sending a letter saying: work won't give the time off so i can't attend, (which is true) and that i'd like the case stayed as my case is very simmlar to many other claims and would like to further clarification of the situation

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  • 3 weeks later...

gutted !!!!


got notice from the court today:


the case is stuck out:confused:

no order made for costs



i wonder how long it will take for them to start chasing me for the O/D? about 1.8k?


well it might take 3 more years for them to take me to court!


will they now mark my credit file with a default marker?


thanks for all the help but i think i should of attended court to stop it getting chucked out

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  • 5 months later...

I'm still trundling on with the taccy letters from debt collectors who are all associated with HSBC. Just keep writing back "as you are part of HSBC take a look at my file". Have been offered if I pay in full they will deduct £500.


A friend who works for another bank has taken a look at some of the letters and said they are worthless as most of them don't have the right details on them. My 18 month year old could write better lol.


Still have one account stayed in Court and have never heard a thing.

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  • 3 weeks later...

I was wondering if i should start a claim against HSBC. Doesn't look like there is much point :lol:

8-) With the help of this site so far I have......


Beaten Robinson Way (£600 SB)

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