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    • said it twice now - a letter of claim..click and read   fleecers leave things until near SB date so as to wrack up maximum interest they can get on the debt   as long as all your debt owner on any debt that you might have used/paid within say the last 7 yrs have in writing been told of your correct and current address, and all of your old addresses are showing on your credit file as linked addresses then you should be ok.   dx  
    • Hi thanks for your help, I’ve sent the letter. I am worried though that I won’t know what to ignore and what to not? Will the notice of claim be marked as such ans can I post back on here if I get one?  Also- how do I know I haven’t had a CCJ already ? I just can’t quite understand why they would wait this long ? thanks 
    • It's not necessary to see an invoice. You will have to figure out how much you paid for the installation part of the work which was carried out – because that is what you want to claim back. If it's not clear what proportion of the bill was in respect of the installation, then you will probably need to get some outside opinions – independent opinions – as to the cost of an installation. It would be better to understate the value then overstate it – because if the cost is not clear then that could become the subject of a dispute if you take this to court. You will be better off identifying an amount of money which you could reasonably attribute to the cost of installing the new turbo – and which will be supported by independent evidence – and which will be accepted without much question from the judge.
    • It's clear, but it's. Not correct. The 2000 was for other work also  I do understand what you're saying but it may be easier for me to show you a copy of the invoice then we can be completely correct.   I will send a copy this evening after work if you don't mind.
    • I'm not too sure what to suggest other than to keep on trying during the day and try again tomorrow. I suppose that it is just possible that they have now filed an acknowledgement and that in some way it has overlapped with the end of the 14 day period – which apparently ended on Sunday. If you are not able to enter judgement by tomorrow, then I think you should phone the court. Keep on trying throughout the day.
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      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.
       
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      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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Bradford & bingley mortgage fixed rate


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hi everyone,hopefully someone can help me with possibly a simple question?

when we purchsed our house in 1996 we had a mortage arrnged with bradford and bingley.

we have remained with them since that date and reverted from an interest only mortgage with endownment in 2004 to a repayment mortgage for 3 years at a fixed rate.when this came up for renewal late 2006 we signed an agreement with them for a fixed mortage at an APR of 5.89% fixed till Jan 2017.

as everone knows they are now under Government control.last year i did not get a statement despite asking several times :( . prior to this year i got a letter saying they were changing my account number for computer purposes.

however when checking the statement the APR is 3.64% for all last years payments? i have maintained/overpaid the agreed monthly figure since 2006/7 and this is clearly shown on the statement.

my question is this: would i be worse off financially for querying this rate? i am concerned because of the hype of sudden interest rises predicted.i have a signed copy/ies of the agreemnt sent by B&B to back my account/contract for the fixed rate.:sad:

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APR is worked out to the end of your loan term so isnt very accurate. Use a fee online mortgage calculator or MS excel to work you repayments out and see if they match what you are currently paying.

from my dealings with B&B who are owned by Santander, they still use Annual Rest as their interest calculation whcih is why when you had an endowment mortgage with them your balance did not remain contstant and may even have increased/decreased in varying years

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