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    • Dear All,   BN - Thank you for your comments.    My wife had prepared the relevant notice to the court and rather than spending time redacting I am sending it as PM to the contributors to this thread. It covers everything we have been discussing and is in line with  your comments and our discussions.   For the benefit of readers oif CAG I will redact and post it later as we have pressing family medical matters to attend to.    Warm regards BF  
    • Maybe have a third chamber, The Peoples' House 😃
    • Thanks for the images. It's shocking. This more than ever reinforces my view that you should take this to court. The number of people they must be fobbing off with this three months story is incredible – and they need pulling into line. If you simply complain to the CEO then they may sort out your problems – but the rest of it will go on as usual. They need something very serious here. In fact, I would think about suing them for £200 because I think that once they realise about the mistake they are making, they will be extremely anxious not to go to court. On the basis of this, I'm afraid I don't think I would even alert the CEO. I would send a letter of claim which will probably simply be seen by drones – and then issue the papers. I think you have an easy win on this case. Also, once they realise that they are dealing with a court case, they will look at the whole situation more carefully and they will probably sort out all of the problems at the same time. If they don't, then these two have laid down your marker and they will know that you're not mucking around and they will take you seriously.
    • These are the two incidents from Virgin Chat where their Live chat has informed me of the 'only 3 months' decision.... 15 April was the date they acknowledged receipt of my SAR. Apparently anything from before that date can't be included!
    • You could try both routes at the same time. Send your letter of claim by email to the CEO email address. Confirmed by letter. That way you have communicated with the CEO – but given a very definite deadline and a very definite promise as to what will happen if they don't comply. Then on day 15 sent the claim. Don't make a threat of legal action if you don't intend to carry it out. Don't bluff – but it is very easy to do
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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
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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.
       
      • 3 replies
    • 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,

 

I went bankrupt in December last year and during the next few months I was alone in the house, so used very little electricity or gas. We got our bill earlier this week saying that they owed us £490. The next day a letter said that our direct debit payments would be going down to £50 (from £99) a month because based on last year’s usage they expect my bill for the next 12 months to be around £600. I don’t think this will be the case as I will have the wife and two kids here this year, and the heating will be on almost constantly during the winter. I am going to ask them to put the direct debit payment back up to £99 per month because of this.

 

Then today I checked my bank and the £490 the Gas company owed me has been paid into my account.

 

Do I need to declare this £490? If I use it to repair my car would this be seen as reasonable?

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If you are still in bankruptcy, the best thing to do would be to inform the official receiver of any monies you receive, just to be on the safe side, and prevent any unnecessary bother. Just explain to the OR that you have car repairs to do, and they may be understanding and let you keep all or most of this money aside for that. Best to be honest and upfront about any lump sums received x

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Hi Cashdesk

 

I agree with Loobyloo 85

to be on the safe side speak to the OR

If you used and the OR found out it could end up with you having a BRU/BRO

 

Hope this helps

 

Leakie

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  • 2 years later...

Bankruptcy Restriction Undertaking (voluntary) or Order (by order of a court).

 

Usually an extension of 12 months to the bankruptcy period and a matter of public (and permanent) record.

 

I have not seen it affect the period of an IPA/IPO (Income Payments Agreement/Order). These are for 3 years.

 

Usually these are used for people that heavily abuse the system (take a loan for £25k and spend the money in the full knowledge that they were insolvent shortly before going BR for example).

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It should also be noted that a BRO/BRU is simply the first in the line of penalties that can be imposed, for very serious bad behaviour criminal proceedings can be brought as well which is punishable by fines and imprisonment

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It should also be noted that a BRO/BRU is simply the first in the line of penalties that can be imposed, for very serious bad behaviour criminal proceedings can be brought as well which is punishable by fines and imprisonment

Whoa! Steady on - the OP had a windfall of £500 - or a change in I&E of £50 a month... On the radar yes, but please don't give them nightmares...

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not trying to give them nightmares, just the other poster Firefox asked what they were and it is necessary in explaining what they are to put them in context with the range of outcomes as we dont know what firefox is asking in relation to.

 

just to be clear £500 would never end up in a criminal prosecution as it is below the threshold to submit a case

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