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    • I will await the final confirmation tomorrow I also attach the Draft Order, please can these be checked Andyorch and BankFodder before I submit these online tomorrow I of course will amend the details to add the names etc before I send this. In the Leicester county court Claim No. ... Before District Judge ……… Dated 23//10 20… Claimant/s Mrs XXXXXXX   and Defendant Goosedale Draft Order     IT IS ORDERED THAT: 1. . Pursuant to CPR 19.4.1 and CPR 19.2.2 (a) it is requested that a second claimant Mrs xxxxxx be added to this claim. It is desirable to add the new party so that the court can resolve all the matters in dispute in the proceedings. 2. The proposed amended particulars of claim be reserved Pursuant to Practice Direction 19 ( 2.1 ) ###### End of Order ######     Amended Particulars of claim for N1.   The claimant and second claimant joinder seek reimbursement of £7700 paid to the defendant on XXX date 2019 in respect of a frustrated contract for a wedding venue booked for the XX date 2020 and which was cancelled by the defendant as a result of implementing government restrictions in respect of Covid 19 Legislation.The principle claimant makes this claim pursuant to Contracts (Rights of Third Parties) Act 1999. The defendant has refused to refund the contract price. The claimant seeks £7700 plus interest plus costs.     N244_web_0818 COMPE.pdf
    • The Financial Conduct Authority (FCA) is again urging consumers struggling financially during the pandemic to seek help - after discovering that 12 million people have "low financial resilience" View the full article
    • https://drive.google.com/file/d/1WrcF2oEOydGXCZYwhZcYB7QmnP_9jNaQ/view?usp=sharing I think I have figured it out. Sorry   
    • Hi everyone   I joined DL a few months ago. Was offered a discount as "friends & family" because I knew a friend who works there. A few days later, I upgraded my membership to Platinum and specifically requested the Spa retreat as well. I was issued a new card, which had correctly  labelled that it was Platinum card with Spa retreat. And payment was agreed at £125 per month.  No worries because I have been going 6 days a week. Everything going well for a few months.   Then i lost my card. Was issued a new one. Went to use access the spa and wouldnt let me in. I asked what's wrong and they informed me that my membership did not include the spa. Now they have confirmed that there was a glitch on the salesperson's app that allowed the wrong price to be accepted.   This glitch has been brought to managements attention and has now been fixed. However, they now want me to pay the correct price to access the Spa.   Surly, they have to honour the original agreement made with me?  or do they?   Thanks for your help!   Jameson  
    • Point out that the small claims process is very simple and straightforward. If there is a hearing then it is very likely to be a telephone hearing and as long as one knows the steps then there is no reason to be unconfident about it.
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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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I owe about £21k on both and have done for years and years, I've had the cards for about 15 years. What do people in the know suggest:

 

a. The CCA route and the battle that brings...

b. Make them an offer. I'm thinking of borrowing an amount to make them both an offer to settle a third as a full and final.

 

I'm really struggling, if I could have afforded it then like a fool I would have spent the rest of my life on minimum payments, but I'm killing myself currently to meet these.

 

Help.....

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Hi Tom,

 

First thing to do is send a CCA Request, send it with £1 postal order, send it recorded, they 14 days to respond. Scan, post the doc's they send removing all personal details. I would maybe offer to pay what you could comfortably afford until they send you the requested doc's. If they don't provide the requested docs after 14 days you can put the accounts in dispute.

Second thing to do is claim back all penalty charges with interest. you can claim at least 6 years. Also have you been mis-sold any PPI that you can claim back with interest.

 

You can consider the full and final payment at a later stage.

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I've paid this months minimum (£500 plus combined), I know I'm being butchered on interest rates. They are coining it in and I have nothing left to do other than make an offer, or go for the CCA challenge.

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Hi Tomtom,

 

In my opinion, the days of challenging such debts by sending off a CCA request are over. It will just start a huge paperchase that will end in deadlock.

 

BC will not supply the credit agreement and we have no means now to force them to. They can send T&C's in response to a CCA request and using CPR31.16 is no longer an option.

 

In the meantime, they can, and will, chase for payments on the a/c if you fail to pay the min pay't when required.

 

Are there any penalty charges on the a/c in the last 6 years.

 

Do you have all your old a/c statements for the last 6 years to check on this.

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Hi Tomtom,

 

In my opinion, the days of challenging such debts by sending off a CCA request are over. It will just start a huge paperchase that will end in deadlock.

 

BC will not supply the credit agreement and we have no means now to force them to. They can send T&C's in response to a CCA request and using CPR31.16 is no longer an option.

 

In the meantime, they can, and will, chase for payments on the a/c if you fail to pay the min pay't when required.

 

Are there any penalty charges on the a/c in the last 6 years.

 

Do you have all your old a/c statements for the last 6 years to check on this.

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

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Slick,

 

No I do not have the statements and your logic is essentially one of the reasons I have just kept on going. I'm not looking to avoid debt, I just happen to think I have gave them more than enough now and need to see a route out.

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Hi Tomtom,

 

Ok, so you don't have your old statements. But do you think there may be any penalty charges for missed or late payments to the a/c.

 

Penalty charges can still be reclaimed in full plus interest.

 

If you're struggling to maintain the min pay'ts and unable to pay more, the debt will spiral due to their interest rates.

 

You could write to them asking for int't to be frozen, so you have a chance to reduce the o/s capital balance. See here for a selection of letters - http://www.consumeractiongroup.co.uk/forum/debt-bailiffs-advice/20758-creditors-dcas-letter-templates.html

 

However, be aware that BC a terrible at helping their customers.

 

The only way to stop the addition of interest is to stop paying the a/c. After chasing you with DCA's they will eventually issue a Defaul Notice and cancel the a/c.

 

At that point, no further int't will be added and you could actually start reducing the balance over time. The down-side of this method is that they will trash your credit rating.

 

Come back with a reply about penalty charges.

 

:)

We could do with some help from you

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                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

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