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    • Okay. The plumber can have a quiet life but you need something from him to describe the installation, and also that the expected life of a copper cylinder would exceed XX years even in the case of corrosion and that corrosion at only five years could not be described as "normal wear and tear" and is likely to be caused by some inherent defect. The fact that the terms and conditions of the warranty are not clear will help you because at the end of the day I think you are in a position simply to say that you understood it was guaranteed and that no terms and conditions were set. That it was absolutely reasonable to expect that if there was a defect in the item then the reparation would include not only the replacement of the cylinder but also all associated costs. I think I've already suggested that you get a couple of written opinions about the expected lifespan of a copper cylinder – even if they can't give you a lifespan, they can certainly comment on corrosion occurring within five years. You are doing all of this for your neighbour. If this runs to a legal action – as it probably will – then your neighbour is going to have to do this. Does your neighbour understand this? The chances of you succeeding in court are extremely high. The chance of this actually going to court are much lower because it is much more likely that they will put their hands up. I would suggest that you might be best off suing the manufacturer and the plumber's merchant together as first defendant and second defendant. If they are sensible, they will pull together on the cost. I'm assuming that a new cylinder has now been fitted – is this correct? Presumably you have the invoices for the purchase and installation of the new cylinder. Presumably the new cylinder which has been fitted is the same or equivalent to the one which corroded so that there is no particular difference in the cost.
    • just says you need access. you need to make it public.   dx
    • it will and it will have a reply pack.   ignore everything unless you get a PAPLOC.   dx  
    • T&Cs are located at https://www.telford-group.com/terms-and-conditions/  - they seem to be rather disorganised, the stainless steel cylinder appears in the t&c and may have been parachuted in to a pre-existing set of terms. Consequently  its not easy to differentiate which paragraphs are relevant. to a copper cylinder. I believe the manufacturer is hiding behind the following.   5.4 e (exclusion) states 'the defect arises as a result of fair wear and tear, (including, but not limited to, corrosion or scale damage) wilful damage, negligence, or abnormal storage or abnormal working conditions;'   The original plumber was helpful to assist (by phone) with the failure, but as he is retired he is likely to prefer a quiet life   The cost of the cylinder itself is in the order of £200, the total cost of replacement was in the order of £600, but the warranty claim is limited to the cost of the cylinder    A picture of the label on the cylinder is attached - orange label simply states 10 Year Warranty - - the dark black and gold  product label says the the cylinder is guaranteed for 2 years - at best it is unprofessional.    
    • Thanks DX. Is it just another fishing letter? Will a letter of claim be titled that? I doubt that for a measly £500 it’s worth their bother to try and make a claim is it??
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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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TOWER CAPITAL have tricked me

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OK so basically I have an ongoing dispute with TOWER CAPITAL LIMITED, I took a payday loan out with them some time ago & I defaulted on the payments.


I asked if I can pay £20 per month (£250 outstanding balance) and they said that if I increased the payments to £50 per month they would not take any further action (meaning no register a CCJ against me!)


So I set up a standing order thinking everything was OK with the payments, my first one came out 1st September ok and cleared, I then receive papers from the court about a CCJ being registered against me, I had filled in forms I had received from the Money Claim Online that they did, but they said I should fill these forms in and send back and then if I keep to my £50 they would not register a CCJ against me, and they have done.


I am really angry about this, and they just don’t seem to be helping me, I have evidence that they have said this and confirmed to me many times that they will not register a CCJ.


I feel tricked and deceived by them!


I have put in a complaint with the Financial Ombudsman and also have sent a letter to Northampton Court with emails from TOWER CAPITAL attached.


What else can I do to get this CCJ removed?


I am desperately trying to clear debt and get back on straight and this has really set me back a lot!




Wish I was rich....... :(:(

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Yep - this is what they have said and I have sent this to the courts and the FO.


They have just emailed me saying they will accept £150 settlement figure, but this is not through the Courts, I think they are taking me for a ride & as a result I have a CCJ registered now!! :mad2::mad2::mad2:


Dear Miss Farrell,

We cannot cancel a claim, however should you not make payment as agreed we will then apply for a full county court judgement. You currently do not have a full CCJ, as mentioned below the claim registered against you had had already been done. BY increasing your offer to £50 per month, we agreed that we would not apply for a full County Court Judgement

If you can make a one off payment off £155.00 on your next pay day we will accept this as a full and final settlement, we will then get in touch with the courts and advise them that this matter has been resolved. This is a concession of £175.00

Kind Regards

Wish I was rich....... :(:(

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What is the difference between a CCJ and a full CCJ??


If you have a letter from them confirming no action and you can prove you have kept to the agreement the court should have to remove the CCJ.


If you decide to take them up on the final settlement figure still change your account dont trust them not to take more money afterwards, the CCJ episode tells you they cant be trusted.

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Yes I have a letter from them confirming they won't issue a CCJ.


I have paid them by standing order, so I have proof that I have paid them...


They are taking the :mad2::mad2: realy unfair!


Hopefully the court will remove the CCJ once they have seen the letter & evidence I have sent them :sad:

Wish I was rich....... :(:(

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fingers crossed for you.


maybe there is another thread on this site that can help you with the court, can any one help with that???????


First of all just because they want to take you to court doesn't mean they will win. For example their default notices are usually invalid as rarely give the 14 days plus 2. They can't register any CCJ without the court awarding it to them. Even if the court did you would have 14 days to pay in full and the CCJ would not exist.


I would be tempted to follow the courts proceedures and defend yourself on the basis thay have deceived you. I have a thread on here somewhere where I beat them in court (legal forums) and know of at least one other CAGGER who got the same result.


They may have registered a default against you and you would need to check your credit report to see if they have. Then you can challenege this if need be.


Only you can decide if their settlement offer is fair to bring an end to this.

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This awful company at its worst, hey Rob!


I took on and defended against these following help from fellow CAGGERS and had my case struck out.


My advise is defend if court papers are offered. you have emails showing you are being reasonable with your offers and you have proof that they are trying to deceive you. As per Robjam's advise, check your DN. I did noty mention mine in my defence but it was incorrect so that was another string to my bow.


Tower will not give in but if you defend and share your experiences on here, you will get sound advise and will be able to take them on if it gets that far.



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