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    • 1st it is not a fine  2nd a DCA is NOT A BAILIFF and have  ZERO powers on any debt, regardless upon it's type.   until/unless you receive a letter of claim pers i'd simply ignore everything now for either speculative invoice (i believe there are two?)    
    • is there a 90dec action cut off gas tap safety lever by the side of the one you believe is yours and can you get to it?   dx  
    • @dx100ukIt just moved less than decimals because we briefly used hot water, while the other one increased by 3m^3.   So, how should I proceed? Do I just call EON and make them aware? How will the charge or refund me if they do not know the initial number for the meter (the one 1 year ago in the meter I should have been reading)?   Thanks!
    • Alright great appreciate the quick response/advice will send it asap, when you say keep it very wide do you mean don't limit this part of the SAR?   "Please note that I require disclosure of any personal data which you hold on me for the entire period of my dealings with you."   Will update when I hear something back,   Thanks.  
    • Has there ever been any success stries re chargeback with BOS? How much hope do I have? I wrote to FOS and to the bank again requesting a chargeback in writing too. 
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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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hi

 

to explain simply:

i have 2 mortgages

1 for my home that is slightly in negative equity and is interest only

1 for another house that is 20K negative equity with current prices. this house is rented for £500 per month, but mortgage payments at interest only is £800 per month

 

i have 50k of unsecured debts in a dmp

 

2nd house is costing me 3500 - 4000 per year in cost and insurances, etc without considering upkeep.

 

have spoken to Insolvancy pract about goign bankrupt, he tells that if i go bankrupt the following applies:

95% certain i can keep my house as i am up to date with payments

i will lose the 2nd house (which i don't have a problem with as the cost is killing us)

all other debt will be gone

can keep cars (need for work, and neither car is worth more than £750)

 

will be bankrupt for 12 months max, during that time the following will happen

from our salaries we deduct priority debts (mortgage, coucil tax, utils, csa,etc)

then we get allowances based on circumstances, etc

then what is left each month is classed as disposable income, of this we split this with the official receiver (likey 50% for us, 50% for bankrptcy pot)

 

at end of 12 months don't pay anything further

 

sorry this is very simplistic, and by no means am i taking this lightly, but the IP has told me this and i have no way of knowing if what he says is true ?

 

can anybody comment on above and advise if the principle of what he says makes sense ?

 

 

thanks for any help

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It makes perfect sense. The only thing i can question is the IPA could be as high as 70% of your disposable income, and could last for 3 years, although you could be discharged in 12 months.

 

Each case is decided on its own merits.

 

This makes for good reading.

 

What is bankruptcy

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  • 2 weeks later...

Hi there

 

With you running at a loss on both properties (Both in negative equity, and the other rental payment not covering expenses), bankruptcy would be a good option for you to consider. As debtinfo has said, if you do get asked to pay into an income payment order this can go on for a further 3 years however your discharge will still technically be after 12 months. It is good of them to say that you can keep a percentage of your property, however, another option would be to hand the keys back in bankruptcy, and get the negative equity included in your bankruptcy. I know this will mean you have nowhere to live, but you could consider renting until everything sorted? With regards to the 2nd property, as above, you are running at a loss anyway, so would just need to speak to the tenants in that property so they can sort different living accomodation.

Good luck, and I would be interested to hear how you have got on

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Off the topic, but just wanted to say thank you. On a few occasions people have suggested I should start a blog and to be honest I didnt have a clue what that meant. Well I know now and have joined, best wishes everything goes okay for you xx

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Hi

 

Yes the IP was correct in what he told you. The income payments agreement will take between 50% and 70% of your disposable income each month for 3 years.

 

For clarification you can ring the insolvency enquiry line, its part of the gov. www.insolvency.gov.uk.

As always please check and double check what myself and other Caggers inform.

 

If you like my Post please dont be shy give my Scales a little tickle :-)

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Are you going bankrupt and what country do you live in

 

Yes i am going bankrupt, and i live in England. The blog listed on here has all the details.

 

thanks

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yes they are charging me.

 

i am sending all the stuff to the IP so that they can deal with things. i've had 2 years of being nagged and harassed by credtors, it's woth the money to make them go away.

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You know that you can quite easily fill in the forms yourself at no cost. You can even log on the insolvency service website and fill them in online with all the guidance notes

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