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    • Top paediatricians have written an open letter to government about children going hungry and supporting Marcus Rashford's campaign.   https://www.theguardian.com/society/2020/oct/24/open-letter-from-uk-paediatricians-about-free-school-meals
    • It's not worth appealing because ECP won't listen, unfortunately, plus you can give the impression that if they lean on you, you'll pay them money when you don't need to. The only time we normally advise writing to them is if you get a Letter Before Claim/Action.   Best to say nothing for now and if you do get a LBC, we'll help you to draft something. Have a read around some other parking threads and you'll get an idea of how these people operate.
    • Thank you. Is it worth replying to say why I was there and that I feel it’s a bit disproportionate?   had I known I’d have paid the original £1 but I was so worried about getting into a space without crashing!
    • I had never done it and I was afraid. I have done it now. The meter is mine.
    • How younger is 'younger' and how many is 'many'?   I'm not sure of the numbers raw numbers themselves but look at cat 4 figure 5 which is deaths by age group relative to population. Obviously ignore influenza and pneumonia.   https://www.ons.gov.uk/peoplepopulationandcommunity/birthsdeathsandmarriages/deaths/bulletins/deathsduetocoronaviruscovid19comparedwithdeathsfrominfluenzaandpneumoniaenglandandwales/deathsoccurringbetween1januaryand31august2020   The category for deaths for under 65s is almost invisible.              
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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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If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Hi jamanji,

 

It might pay you also to look at the site blog and site team member sequenci on f &fs. I can point you also in the direction of a couple of websites written by law firms which will give you a deeper insight which were of help to us in making our minds up to do it and we won at 10%.

 

regards

oilyrag.

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If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Hi silverfox, bowing deeply

 

And your link includes:

 

"• Always ensure that negotiations are in writing, via recorded delivery if possible. Keep a copy of the confirmation letter in a safe place.

• For credit debts consider a request under the Consumer Credit Act to see if there are any issues with the paperwork. A creditor is likely to accept a very low settlement on a potentially unenforceable debt.

• Try and ensure that your credit file is marked as fully satisfied as a condition of the settlement.

• Ensure that the letter sent with the payment clearly states ‘full and final settlement’.

• If a third-party is giving you the lump-sum they should pay the creditors directly, this makes the arrangement more binding.

• For larger settlements you may wish to have the agreement formalised via a ‘deed’ drawn up by a solicitor, this would make the arrangement legally binding.

 

x

 

v

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Hi jamanji,

 

There were two sites we referred to. Please note I can never make muy links work properly so probably the quickest way to get there is to enter

 

Addleshaw Goddard in your search engine. The site is not too easy to navigate but there is section on full and final settlements which will take you back to the infamous Pinnel case of 1602 ( ruling still extant) but they give explanations and bring you up to date with case references even to Lloyd LJ sitting in the Court of Appeal.

 

Secondly try the same with:

 

Gannons London Solicitors They have a section on F & F which is actually advice for creditors (the opposition shall we say). This details what they can do and what they must not do and the consequences of same. I have quoted at length from it on here before but it may be easier for you to look yourself and draw your own conclusions.

 

Once the decision had been made that on the OD and loan we would offer F & F we asked a solicitor to set it all up and make it watertight. we thought we might have to pay about 70 to 80% but anything helps. However they said opening bid maximum 10% and the bank fell into legal quagmire straight away. They tried a bit of nastiness 3 months later, solicitor said let them hoist themselves on their own petard and then we take them apart. All is now quiet. It was all done almost exactly as sequenci has suggested in his blog other than correspondence was solicitors, who handled the third party cheques.

 

regards

oilyrag.

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Thanks jamanji and rockwell, Not barclaycard unfortunately but Barclays bank themselves. Still have BC ongoing. They are just nasty and unmovable but so are we and our sols. The bank side is just ---- well????? If I was to say that the index finger of the left hand does not know what the thumb of the same hand is doing just about sums it up.

 

regards

oilyrag

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  • 4 weeks later...
Hi jamanji,

 

It might pay you also to look at the site blog and site team member sequenci on f &fs. I can point you also in the direction of a couple of websites written by law firms which will give you a deeper insight which were of help to us in making our minds up to do it and we won at 10%.

 

regards

oilyrag.

 

You say you 'won at 10%' Oilyrag, how are you defining won? Have they accepted your payment and cleared your file?

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You say you 'won at 10%' Oilyrag, how are you defining won? Have they accepted your payment and cleared your file?

 

I think that's what oily managed to get sorted, yes.

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