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    • Hi all, just to close this one, please see the photos below....before and after    Thank you, all, for some great advice (as per usual!)
    • Thanks BankFodder.   I wasn't intending on making bones about it with them but I was irked at being dismissed with the phrase 'it's store policy'.  I returned it because I was returning an air hockey game which wasn't functioning properly.  I would have assumed that if it were designed as a toy for an audience that may be prone to dropping it, it would be made to be suitably durable.  I was expecting that a year would have been reasonable and by it not lasting it was, as you mentioned, not of satisfactory quality. Alas, it's not something I wish to pursue to find out for sure.   I do appreciate your feedback, as always on here, I like to know where I stand with these things.  Thanks also for the heads-up on the Youtube video, I had not thought of that.
    • I've also being doing some reading over the weekend. It appears the law of properties act 1925 does not apply in Scotland (only England and Wales).   "In Scotland an assignation need not be in writing, and intimation is all that is needed to give the assignee a right effective against all parties. Apart from the terminology, the principal differences in England are as follows. Under the Law of Property Act 1925 the assignment must be in writing, the entire benefit must be assigned, and notice must be given to the other contracting party. If any of these elements are missing there may still be an equitable assignment – under which an assignee would typically need to join the assignor as a party to any action under the contract."   So I think the NOA defence is not going to hold up, as Nolans are probably right in what they are saying that their letter (intimation) is sufficient.   So my sole defence is going to be lack of default notice under section 87/88.   Any advice at this stage? I assume costs are still capped at £150 if lose?
    • Hi bankfodder. I do have the invoice in my email, so would it be the cost of the turbo and labour for fitting
    • as i said unsure of what this 15% is about.   the FOS/FCA clearly describe how refund calcs show have been made the their relevant sites.   p'haps at this juncture it might be better to scan up to ONE multipage PDF their refund letters  another set of eyes is always belter.   please read our upload guide carefully      
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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
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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!
        • Thanks
        • Like

Picture 2nd Secured Loan cant pay full ammount - they say they WILL get an Attachment of Earnings?


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Hi

 

I'm needing some help.

 

After deciding to give up our home and rent I'm not sure how to go about doing this.

 

I've spoken to our mortgage company who say we can hand the keys back and as soon as we sign the form the the house is no longer our so won't be responsible for it, or we can wait and when we've missed 6 months payments they'll start the repossession process.

 

Upon speaking to my council should I rent I am entitled to claim council tax help but only on the house I live in. I shall still be responsible to pay the council tax on the house I own until it's repossessed. My mortgage company say that if I sign the form they are responsible for the house so I won't have to pay council tax on it but i will still be charged interest until the house is sold.

 

So do I sign the form and send the keys back or stay until I'm forced out.

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Hi there

 

We are in a similar situation of sorts. A bit more complex but ultimately we want to sell up to rent

 

Can you not try and sell your house? as the housing market has picked up somewhat

 

Olives xx

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Upon speaking to my council should I rent I am entitled to claim council tax help but only on the house I live in.

You should be entitled to claim council tax help on the house you are paying the mortgage. You are also entitled to housing benefit for the house with the mortgage - providing you meet the criteria for housing benefit.

 

So do I sign the form and send the keys back or stay until I'm forced out.

Either scenario has its advantages and disadvantages which are dependant upon your financial circumstances and your requirements for the future.

If I've given you advice, then it is just my thoughts / opinions - doesn't mean I am right!

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Hi

 

We are unable to sell due to a secured loan on the house who say they will block any attempt to sell.

 

My council say I can't claim council tax help on 2 homes so I'd have to pay on the house I own until it's repossessed while receiving benefit for the house I'm renting.

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Your entitlement to council tax help applies to any house you are living in, whether it be rented or mortgaged.

 

Your entitlement to housing benefit also applies to rented or mortgaged house. I think that if you claimed housing benefit for your mortgaged house then you would be entitled to the interest payment only.

 

I don't understand what advantages you would have in letting your home get repossessed and then renting another home and I feel it has something to do with benefits? Perhaps it may help you if you post in benefits section of forum as there seems to be a lot of help within that section?

If I've given you advice, then it is just my thoughts / opinions - doesn't mean I am right!

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Hi

 

We are unable to sell due to a secured loan on the house who say they will block any attempt to sell.

 

My council say I can't claim council tax help on 2 homes so I'd have to pay on the house I own until it's repossessed while receiving benefit for the house I'm renting.

 

Are you in arrears with the mortgage and the secured loan?

 

I think more info is needed before you can make a decision. I also think it's worth getting your house valued, and get it in writing which may help you now and in the future if/when the issue of possible shortfall arises.

 

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Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Hi

 

I can claim council tax help but not for 2 houses. If I leave my mortgaged home then until it is repossessed I have to pay the council tax. I can however claim benefit on the house I'm renting.

 

Also you can't get housing benefit for a mortgaged home. You can claim help with interest payments but only if are on certain income based benefits which I'm not.

 

Again as I own my home I can't get any help with my mortgage but if I rent I can get housing benefit.

 

I was asking about repossession and whether I should just give the keys back or wait until they begin the repossession process so that's why I posted in this section.

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Hi

 

I'm £325 in arreas with my mortgage and £11,000 with the secured loan. I also have a charging order for £28,000.

 

Our home although liveable needs lots of work doing which we just can't afford due to my husband being ill and on benefits.

 

We paid £115,000 for its 7 years ago and 2 years ago it was valued at about £105,000. A house on the end of our street I'd up for £90,000.

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So how much of that 11,000 do you think is charges ?

If a bulk of it is then you could get that deducted from the mortgage owed. House prices are changing and climbing. It will be worth getting it revalued.

 

Xx

Next Directory £215 NO CCA ***WON***

 

Littlewoods Visa*** WON ***

 

Littlewoods evenmore£496.47 COURT CHARGES£296.84 PPI £575.52

Littlewoods LX £0.00 COURTCHARGES £327.68

Choices for you S.A.R owe £362.02

Additions Direct £1400 NO CCA

 

HUBBY

Bank of Scotland Prefernce account £296

Capital One £300CHARGES£1135 TAKING COURT ACTION

 

also owe big to

Bank Of Scotland £10000 sending cca reqest

British Credit Trust £6000

 

Fighting For Family

MUm,***WON ***Barclays for hardship just need to get the last little bit. Chasing LLOYDS TSB for hardship

Bro, HBOS PPI mis selling ***WON***

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You could try and stay in the property and sell it.If you are hoping to be rehoused by the Local Council then you'd have to wait until eviction as Local Councils see it that you've made yourself intentionally homeless if you hand back keys.

 

 

Then on the other hand if you sell and left with any profit you probably wouldn't be entertained by your local housing Dept as you've money over from the sale this would be considered in a Benefit claim.I was on the understanding that if you hand back the keys you are still responsible for the property insurance council tax etc.Also if you sign any papers back to your Mortgage Lender then doesn't that put you in the position that you acknowledge the debt for any shortfall after a sale?

 

I had to go through the process of eviction.I left my old property informed the Council tax dept completed a form and they refunded money back.I was offered Temp housing but it would of cost me £250.00 a week in the end I went to stay with My father.I'm self employed and even though I receive a very small amount of housing benefit. I don't receive any deductions off my council tax.I know when I completed my housing benefit and council tax application I did this with a Benefit officer from my local council and they asked how much the property I left was valued at.

 

As soon as I received letters last year in July regarding repossession I was contacted by my local Council homeless unit,They seemed to want to push me towards private rentals.I have a Son who works for a Housing Association dealing with the rents and benefits etc he said to hold out for a Social rented property.I did but that took an awful lot of time phoning three or four times in a week to put them in the picture of where I was with everything as they offered a Bond Scheme but no Private Landlord would touch it.I couldn't pay my mortgage in the end it but my rent is paid every week.

 

Also my Son informed me that any Benefit applications are really looked at and down to the last penny as it's all means tested so any difference in money coming in you've to tell them.Maybe you need to speak to a Welfare Benefit Officer to put you in the picture of what you are likely to receive.I went on an online checker but it gave me a higher amount for housing and council tax benefit.

 

When I received the final amount it was a lot less than I thought I'd receive.I have £349.00 coming each week in taking in my self employment working tax child tax credit/small private pension of my husband 1 child of 14yrs.My rent is £157.00 a week of which £22.00 has been deducted in housing benefit.My council tax is £88.00 a month no deductions.In the end we had to do what we thought was right to wait for the eviction date if only to get us all back on track for our own sanity and well being as we felt we were drowning in it all with no lifeboat.

 

My Husband has mental health issues and at times was about to lose the plot.It's not easy and it requires a lot of input from yourself to decide the best route to take and I can understand where you are coming from.

 

I'm fortunate that I'm rehoused in the same area I've lived since I was born.

Edited by citizenB
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Hi

 

Thanks for your advice.

 

My house is in negative equity so no chance of making any money.

 

I've been on my councils website which has given me a rough idea of what I'd be entitled to but will be seeing someone from CAB to get some more help.

 

I have 3 daughters under 16 and a husband on ESA contribution based and also on DLA so I've put in the exact figures along with my wages to get an idea about HB and council tax help.

 

I've a house lined up through an estate agents so hopefully we now have somewhere to go.

 

I'll be glad to see the back of this house

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Hi does your council not have a homeless unit to speak to.I went to mine had an interview as I had a 4 children at home but 3 now over 18 but a 14 year old.They would take into consideration the children under 16 years.I was told then that I needed a 5 bedroom house which I am in now as I've 3 girls and one boy.I was living in a 3 bedroom house before.You really need to see a welfare rights officer to see what you are entitled to.I waited for the eviction date so I could be rehoused by my local council.I know for some it might not work out like that depending where you live in the country.The house I left has been sold to a cash buyer and has left a shortfall of nearly £24.000.

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Hi

 

We have a house lined up as my in laws have paid the agent fees, bond and 1st months rent for us. At least this way I can stay in the same area and keep my daughters at the same school specially our middle daughter as she has learning difficulties and has taken some time for her to settle and receive help.

 

I'm aware of what's going to happen when the house sells for less than what's owed but it's not going to be half as bad as the constant threat of the them saying they'll repossess us. Our secured loan people just refused to help and refused to let us sell the house to get as much as we could. I told them you might be able to stop me selling but you can't stop me handing the keys back.

 

So in a way I'm pleased I'm taking the lead in this and I'm not going to be bullied by them. I've fought to get my husband in the right group of ESA, fought to get my daughter the help she needs so I'm more than capable of taking these people on.

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