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    • why not simply tell you supplier they have the wrong meter number you been paying for usage , and ofcourse you can view this online too so its not as if you'll owe anything you might get a nice surprise and find you are owed a refund.
    • The world of ballroom dancing went online to cope with the pandemic restrictions, but what does the future hold? View the full article
    • I would add, many companies have done everything possible to manage and carry on in difficult Covid19 circumstances to supply customers with what they need.   Continually making excuses for delays is not what I'd want from an installer and maybe the £100 deposit is not so important.   Get this deposit back if you can but, more importantly, find a local installer recommended by family or friends to carry out the works.
    • Hello all,   I hope you can assist me, as I am quite lost and confused at the moment.   Two years ago I moved to my actual flat. Throughout this time I have been with EDF first and now EON. When I moved in, my landlord didn't quite know which one was my meter and I picked the one that I believed was mine (now reading you I know I should have done a burner test..). During this time, I have been paying my bills and submitting the numbers that I believed mine, which actually agreed with my consuming patterns.   Today, all the meters appeared with numbers, but the one next to the one that I was using, which appeared with a different flat number. As you might have guessed, none of them had my flat number. I have just made the test and it looks like that one may be mine.   Now, how should I proceed? I have been paying bills is not like I wanted to avoid paying, but clearly there has been an issue. Could you please advice me on how to proceed?   Lastly, in terms of meter serial number, the one that I was using matches my bill and I guess my neighbor bill. The additional doubt I have is, who is paying for my meter and why are they still providing me with gas if no one is paying the one that seems to be my real meter.   Many thanks!    
    • Hi J,   You must decide what's your priority - make the gym honour what you were offered originally (perhaps trying to draw you in) ................   ............... or pay what they're now demanding to get the srvice you want.   Surley it's worth a go ?
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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 my wife in december last year took out a £250 debit card advance. For this she had to write three cheques, 2 for £100 and one for £50. The money had to be paid back one month later or you could pay £45 a month and delay them presenting the cheque to the bank. She has delayed every month so far and it is got out of hand now and we cant afford to pay it. What can i do, we have currently payed back around £450 for a debt that is £250, we didnt even get £250 in the store as they charged us for the advance in the first place. So at the moment they are going to present the cheques to the bank next week as we still owe the whole £250. We didnt use a cheque guarentee card so if we cancel the cheques and the debit card can they still take the money out, if we did that is there much chance of them accepting reduced monthly payments. Is there anything we can do as we have paid double what we took from the money shop.

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we have currently payed back around £450 for a debt that is £250, we didnt even get £250 in the store as they charged us for the advance in the first place.

 

Do you have a copy of the agreement she signed ?

 

The payments made, totalling £450, can you provide bank statements showing these payments ?

 

You may want to speak with trading standards about this company. The demands seem excessive. If you can show that they are acting "Unfairly", you may be able to challenge any further demands for payment.

 

We didnt use a cheque guarentee card so if we cancel the cheques and the debit card can they still take the money out,

 

You can contact your bank to stop the cheques. You will be charged for this, @£10 per cheque. If you decide to do this, and considering how much you have already paid, I think it is a serious option.However I would recommend sending The Money Shop a letter informing them of your intentions, outline your concerns.

Send the letter recorded delivery. keep proof that they recieved it, and keep a copy of the letter.

 

Good Luck

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Contact your bank tomorrow to cancel the cheques, also, I would be having an "accident" with the debit card. If you have lost it, then the bank will cancel it and issue a new one with a new card number.

:razz:ALWAYS REMEMBER, IF YOU GOT YOURSELF INTO YOUR SITUATION, YOU ARE MORE THAN CAPABLE OF GETTING YOURSELF OUT OF IT

WITHOUT THE HELP OF THE DCA's!!!!!!!!!!!

 

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Moved to Payday Loans Forum

Anthrax alert at debt collectors caused by box of doughnuts

 

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I have not had experience of these people, but until you come to some sort of arrangement with them I think they will keep adding charges.

 

Hopefully, now your thread has been moved, you will get some good advice from people who know how to deal with payday loans.

 

Good Luck

 

HB

:razz:ALWAYS REMEMBER, IF YOU GOT YOURSELF INTO YOUR SITUATION, YOU ARE MORE THAN CAPABLE OF GETTING YOURSELF OUT OF IT

WITHOUT THE HELP OF THE DCA's!!!!!!!!!!!

 

IF YOU NEED HELP WITH UPLOADING YOUR IMAGES THROUGH PHOTOBUCKET CLICK HERE

IF I HAVE HELPED YOU OR MADE YOU SMILE, PLEASE FEEL FREE TO CLICK MY STAR

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I would not recommend anyone stopping cheques in these circumstances. Money Shop could sue on the dishonour of the cheque. There is no defence to an action brought in these terms except:

 

1. Fraud

2. Total Failure of Consideration

 

A company could obtain a summary judgment under CPR Part 24 and you'd be faced with a massive legal bill if the company used Solicitors.

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Thank you for all the replys stopped the cheques and the debit card so they cant take any more money. They are gong to be ringing soon and i think my best action would be to tell them i do not wishj to deal with them over the phone i only want to deal with them via post. Does anyone have any idea what i am best to put in the letter to them about this.

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I would be honest and say that you are having financial difficulties and make them a monthly offer that you consider to be reasonable. Personally given what you have paid back the very maximum would be the £250 outstanding with no further interest or charges. There is a good argument for giving and negotiating for a lot less given what you have paid back!!!. I doubt they would take you to court and they will probably get nothing if you refuse to pay them. I think you are in a strong position.

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