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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
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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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Default damages [PCWorld wrong laptop sold & HFC Finance]- Supreme Court


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I've signed it too. How about putting this in the campaign forum?

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro 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.

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  • 2 weeks later...
  • 3 weeks later...
  • 2 weeks later...

Subbing - good luck Durkin. I had a similar thing done to me by Santander. The default has caused me no end of grief and denied me the opportunity to take advantage of % deals and lower interest credit cards costing me £££ in extra interest, when apart from the default, I have a good payment history.

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  • 3 months later...

Legal Aid Board should be deciding our claim for Legal Aid next month having finally considered the application last month.

 

Much will depend on the wider public interest aspect so please bring this to the attention of all those folk you may know who are having difficulties with defaults. Any potential sympathisers too.

 

Despite our challenge that this is a very simple matter, they're considering it as "complex".

 

Here's the link to the campaign: http://www.consumeractiongroup.co.uk/forum/showthread.php?297131-Legislate-against-banks-defaulting-disputed-accounts

 

Thanks for your support.

 

Richard.

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  • 3 months later...

Still jumping through hoops with the legal aid board.

 

Despite 2 of 3 external reports, support from the MP and CAG and significant prospects in the Supreme Court, they're still persuaded by the bank's lawyers!

 

The MP has spoken to ministers and pretty much confirms that the government will do nothing util the Supreme Court has ruled on this.

 

Could be another year at least then that the banks are allowed to continue blackmailing the public.

 

I reckon that's unacceptable. I'd like to hear Ken Clarke's excuse for this. Does anyone have him as their MP?

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sorry to hear this D i wonder if we can find a major Shareholder to raise this at an extraordinary meeting of the board of Directors ...surely they must have a limited budget for this action

patrickq1

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

 

 

 

 

Advice & opinions given by patrickq1 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

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signed D good luck mate

patrickq1

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

 

 

 

 

Advice & opinions given by patrickq1 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

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I reckon that's unacceptable. I'd like to hear Ken Clarke's excuse for this. Does anyone have him as their MP?

 

I don't have him as my MP but I am currently in talks with my Conservative MP about an issue I'm having. He is currently in talks with the chairman of the bank in question.

 

I'd be happy to send him all the details to pass on if you wish to provide mw with them

 

Thanks

Scrapper Coco :cool:

"I just want to make people silky-smooth!"

 

Scrapper vs MBNA Partial Settlement Success. Saved £13,000 :lol:

Scrapper vs Barclays Bank Plc PPI Reclaim Success £5,500 :lol:

Scrapper vs Barclaycard Partial Settlement Success. Saved £6,000 :lol:

 

Scrapper vs Tesco's FOS upheld complaint. Possible court action to get default removed

 

Scrapper vs Egg (Barclaycard) Awaiting FOS

 

Scrapper vs Barclays Bank Plc Offered made & Refused. This means war :-x

Scrapper vs Barclaycard (Cabot) Waiting 4 years for CCA. Cabot advised irresolvable :lol:

 

Scrapper vs Intelligent Finance. Success

 

Scrapper vs Picture (Webb Resolutions) Success

 

 

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Advice & opinions given by Scrapper are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability.

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Cheers Scrapper,

 

I've already tried talking with Richard Spence (HFC's old CEO). A waste of breath. I really do wonder how long they think they can get away with it before someone less patient than ourselves decides to string them up.

 

There are plenty of unhappy bunnies now. Let's hope the Supeme Court can bring them into line before someone cracks.

 

I understand Richard Spence is now an advisor at The Treasury. No wonder the government isn't keen to protect the consumer. It seems they're all in it together!

 

Difficult to get them to admit it but it's often the case that actions (or lack of) speak louder than words.

 

I hope your issue is resolved today.

 

Richard.

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Richard I really think the judges have been told to try and stop consumers claiming any further against the banks due to the frightening situation with the Euro etc. I was involved in a recent and decent case (not mine) and the judge just rolled over and allowed the bank's barrister (in a small claims court) to run the show.

 

I also heard a story on Breakfast TV from Paul Lewis of Money box stating the people getting PPI back from banks are being hit with tax bills! It's case of a) putting people off trying and b) if they do try grabbing some tax. Do keep up your battle if you can.

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  • 6 months later...

Good stuff Richard. I'll see if we can get this in the next newsletter to make sure as many as possible respond. :-)

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro 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.

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HI

I haven't seen any discussion about the actual case, so perhaps this is the wrong thread.

I was aware of this case purely because i had used the precedent created in the awarding of costs issue. Which i may say has been a great help to many.

I couldn't believe the circumstance that caused the problem, i assumed that a credit agreement would automatically be cancelled on the return of an item in this way.

I was a little surprised when i read the transcript of the hearing to be honest, in that that the agreement was said to have been rescinded, due to section 75.

I didn't think that 75 worked that way, my immediate reaction was that the agreement would have been cancelled under the provisions in section 55-56 of the act in that no agreement was" made", as prof. Goode puts it.

 

I considered section 75 to be a device where, if you paid money to a supplier and lost it through their breach, you could sue the creditor in their place. This mechanics are simpler to understand on a running credit account, on a fixed term agreement the creditor i thought would simply repay the loan account( which i suppose is a kind of rescission). It is a subtle distinction and i suppose one that only emerges in the situation that came up here.

 

It is a serious gap in the consumer protection measures available under the act, lets hope the SC has the skill and the will to plug it.

 

DB

Edited by Dodgeball

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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Richard,

 

I am sure you are in good hands, but can I draw your attention to CCA74 section 57 which seems to cover your situation and was not mentioned in the latest judgment.

 

 

 

By my reading when you went back to the store the agreement had not been executed by the creditor and still at that time remained a prospective agreement.

 

HTH

 

Dad

 

I don't know why this has not been picked up on, it seems to me to be a good and valid argument.

 

There is a minor point that i would disagree with, and that is that the agreement was not executed.

In my view it was, however section 55 refers to the making of an agreement, professor Goode draws distinction between an agreement that is executed and an agreement that is "Made".

 

An agreement can be cancelled before it is made under section 57-69.

 

The agreement is made when the goods are delivered, in this case they were not, if you ordered a pound of butter and received a pound of salt would the goods be deemed to be delivered.

 

I think that this agreement should have been deemed cancelled not rescinded.

DB

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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Hi DB,

 

Happy to discuss things here. I'm afraid I'm a tad cheesed off with "the law" just now. It seems set up to protect the criminals that can afford the best wordsmiths.

 

It shouldn't matter if the bank screwed us with Section 75 or Section 56. A good judge should still recognise that we've been screwed.

 

The Edinburgh lot have basically let the bank off with this Section 75 technicality that has been good these past 30 years. They are obsessed with linking new cases to previous ones to the extent that they alter facts and ignore evidence to fit.

 

Whether it was the candlestick or the lead piping say, we still have a corpse and we know who did it.

 

With conveniently deaf ears and turning a blind eye, judges have completely missed that the credit agreement shouldn't even exist, as it was processed fraudulently.

 

Cheers,

 

Richard.

Edited by Durkin
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Hi DB,

 

Happy to discuss things here. I'm afraid I'm a tad cheesed off with "the law" just now. It seems set up to protect the criminals that can afford the best wordsmiths.

 

It shouldn't matter if the bank screwed us with Section 75 or Section 56. A good judge should still recognise that we've been screwed.

 

The Edinburgh lot have basically let the bank off with this Section 75 technicality that has been good these past 30 years. They are obsessed with linking new cases to previous ones to the extent that they alter facts and ignore evidence to fit.

 

Whether it was the candlestick or the lead piping say, we still have a corpse and we know who did it.

 

With conveniently deaf ears and turning a blind eye, judges have completely missed that the credit agreement shouldn't even exist, as it was processed fraudulently.

 

Cheers,

 

Richard.

 

HI Richard

 

I seem to remember reading somewhere in one of the judgments this was mentioned and the judge said that the only pleadings were based around the section 75 argument, is there going to be an extension to the pleadings in the new submission.

 

DB

Edited by Dodgeball
spell

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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If the court allows it, we'll tidy up the pleadings.

 

The facts and evidence remain as always. This should have more weight than the pleadings.

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