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    • Have Ceredigion stuck with their system, BN?
    • i was gonna say i bet this is a vets bill it's ACT's favourite food along with bogus private school fees.   just remember the red bits below my post and no they are not entitled to any of that info on their I&E forms!!    
    • Hello and welcome to CAG.   I posted this in May, it might be worth a read for you. I expect other people will be along to advise later.   https://www.theguardian.com/world/2020/may/05/eurostar-backtracks-over-coronavirus-cancellation-refunds-after-complaints   Best, HB
    • Gething should have used the Ceredigion model and brought the other LA's on board, most were willing to, didn't have to buy into the Dido Serco mashup, health is devolved after all.
    • I'm sorry, but that's really still not a very understandable story. You are simply abbreviating things. We asked for a bullet pointed chronology – and that's probably what we need. Just as an example, when you first laid out the story, it sounded as if you are dealing with an energy company. Now it seems that when dealing with a vet. You don't need to make this hard work for yourself or for us. Please just lay out a bullet pointed chronology of events from the beginning to the end. Not too much narrative
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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
      • 49 replies
    • 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 was fined £275 by hmcs for a ms90, I agreeed to pay £40 pcm, although not always on time, i still paid. I had a letter requesting to pay the outstanding balance of £55, i paid this (minus a penny) within two weeks of receiving the letter. A week on... today, i have received a cheque for £54.99 from hmcs and a letter saying its now in the hands of the bailiffs?? What should i do?

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I would advise NOT to bank the cheque as you are not entitled to the money back. Likewise, they have no power to refund it. Why did you leave a penny outstanding though? This seems to be asking for trouble?

Post by me are intended as a discussion of the issues involved, as these are of general interest to me and others on the forum. Although it is hoped such discussion will be of use to readers, before exposing yourself to risk of loss you should not rely on any principles discussed without confirming the situation with a qualified person.

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I was fined £275 by hmcs for a ms90, I agreeed to pay £40 pcm, although not always on time, i still paid. I had a letter requesting to pay the outstanding balance of £55, i paid this (minus a penny) within two weeks of receiving the letter. A week on... today, i have received a cheque for £54.99 from hmcs and a letter saying its now in the hands of the bailiffs?? What should i do?


You say that you had a letter to request £55 and that you paid this sum (minus a penny). How long after receiving this letter did you make the payment?


You need to also ask the court to CONFIRM the date that they isued the Distress Warrant.

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