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    • Can you remind me. Did the garage supply you with a new turbo for your £2,000? If it did, then you will need to consider what the normal value would be of a new turbo and that at least would have to be deducted from the amount you are claiming. It seems to me that if it was fitted incorrectly then you would be able to claim back all of the money which was paid in respect the fitting but not in respect of a new turbo if they supplied that
    • then i'd simply stop paying the HSBC OD debt for an A/C of that age, there will undoubtedly be far more OD fees and the interest those have caused than the outstanding balance.   £4k debt on a credit Card is quite a sum, when did you actually last use it, bar paying anything into it? 2007 is of a date whereby agreements might possibly be dodgy...it does make one wonder why HSBC has never sold this debt on, as paying a small token payment since 2016? is only ever achieving one thing...running the SB date to infinity.
    • Yes i still have all the customers names addresses and phone numbers of all the leads, so i thing i should ring them all up and see what they say.
    • The largest single trading block and largest trader in services in the world - right next door Whoever would want to pay £188 million a weak in just customs bureaucracy alone rather than be part of it?   Rejoining is going to be looking over your shoulder forever because it makes solid business and social sense - and when we do rejoin, this experience we are currently suffering will mean it will be a generation at least before anyone without solid self interest reasons  consider leaving again.   Anyway, So which of the demonstrable Brexiter lies are you basing that statement on?   Cost savings ? - nope quite the opposite - already cost more than the entire cost of being in the EU and as stated above + £188M a week in customs bureaucracy alone, let alone all the businesses fleeing or folding the pound falling and unemployment increasing.   Trade deals across the world larger than the EU? - nope - no sign of that, quite the opposite, - even America whether Trump or Biden wins - although they will happily dump crap on us while letting naff all in from the UK   Sovereignty of parliament? - Nope - just scummy little liars unlawfully proroguing it and breaking UK AND international law and the UK's reputation.     Turkey joining the EU? - Nope - but they have got a far better deal than no deal   So which lie are you basing that wretched opinion of yours on?
    • It sounds as if there may be other leads which have led to pricing visits and may not have been paid to you either. Do you have records of these addresses and is there any way you might be able to visit to find out what has happened? If you have evidence that you have satisfied the requirements for payment on the various visits, and there should be no problem enforcing a breach of contract
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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!
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hello ell-en just been down to court and been given a date 5 days before eviction. it worry me as if i lose case i wont have enough time to organise a move. can i get the date sooner asked lady in court but very unhelpful thanks

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Hi there, I can understand your concern, but based on the information you have given I would be very surprised if you did not get the eviction suspended. Judges do not want to put people out of their houses if there is a good chance of them making payments towards the arrears.

 

You say you have made a payment of £1430 and another one for the same amount today? How much of these payments were towards the arrears?

How much is your normal monthly payment?

 

Kind Regards

 

Ell-enn

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my normal monthly payment are £1380 so paid £50 but made numerous payments of £100 so the order the courts made i year ago is met. but missed a couple of payments. my arrears after these payments will about £4800. do you think this wil be problem do i need to pay more

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Hi, you should continue to make any payments you an afford to between now and the hearing, but if your arrears are now £4800 I don't think you'll have a problem. When is your next normal payment due?

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Hi, if you make the payment before the hearing it will reduce the arrears, but your payment on 1st August will still be due on that date, and if you don't make it you will be in arrears again. You should only make payments towards the arrears if you have surplus money before the hearing date.

 

I honestly think you will be ok - you have an income and can show the judge you can afford the extra payments of £150 per month. You have also reduced the arrears in the last week which will go in your favour.

 

Kind Regards

 

Ell-enn

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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

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Hi there, if you make any payments before the hearing, let me know and we'll do an up to date statement for you to take to court to hand to the judge.

 

Have you asked GMAC for an up to date statement? that would be helpful to take to the hearing.

 

Also, remember to get the transaction numbers for any payments you make.

 

I am on holiday next week, but will be back on line on Sat 26th so will catch up with you then.

 

Stay positive, it will be OK.

 

Kind Regards

 

Ell-enn

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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

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Dont forget the payment due on the Ist is in advance not arreas like some GMAC take the money in advance on the Ist of the month you must get a statement from GMAC Im around next week if you have a peoblem I cannot do as ellen does but I fought GMAC for 8 years

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  • 2 weeks later...

whoo hoo just been to court and got aggrement for my offer of paying of arrears. SO A BIG BIG THANK YOU TO ELL-EN AND BONA. THE COURT PULLED GMAC APART FOR LACK OF COMMUNICATION. SO ALL I CAN SAY TO PEOPLE IN SIMULAR SITUATION IS TO GO ON FORUMS LIKE THIS TAKE WHAT ADVISE YOU CAN GET. MAKE SURE YOU WRITE TO MORGAGE COMPANY AND KEEP COPY. AS I FOUND TELEPHONE CONVERSATION HAD CONFLICTING ADVISE. I KEPT ALL MY LETTERS AND SHOWED JUDGE. SO THANKS AGAIN TO EVERYONE WHO HELPED. AND BIG KISS TO ELL-EN (hope your a girl):D

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Brilliant News! I'm so pleased for you - and well done for being brave and showing the judge what GMAC are like.

 

Thanks for the Kiss - (and yes, I am female) :D

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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

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Hi there

 

Just read your post and wanted to say CONGRATULATIONS. Well done and live happy

 

olivesxx

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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