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    • Thank you Bankfodder.  I used the term frustrated agreement purely based on my own research and what I found on the Govt's website, especially in relation to Covid.  My situation appeared to fit but if it doesn't, it doesn't. The length of time the actual works themselves will take is not written into the agreement but I was told 2 weeks, they are doing the interior ceiling and electrics too. I was prepared to accept the new date of 7th Dec until I was told I couldn't speak to their Director for two weeks and then found out that they haven't applied for building regulations yet, this is something else they are doing on my behalf.  As they can't order anything until they have the regs through I can't see how the roof is in the process of being made (which is what they keep claiming). I contacted the CAB as I wanted this wrapped up for the weekend and had two conflicting recommendations on this forum.  One to just let the credit card company handle things and others saying I must give more time.  I'm not complaining, am grateful for advice - just getting more and more confused as to what I can/can't do. If I can avoid it at all I would rather not go through another 6 weeks of this, waiting for them to prove that they can't manage the Dec.date.  By that stage it could well be feasible that the roof is in the manufacturing stage, where as at the moment it can't be, which would further complicate things. Based on all this and what the CAB said I sent the email below last night and received Homeview's response this morning. If it came to it that I retracted what I've said and allowed them to go ahead for 7th Dec. and they didn't manage that date, wouldn't it be the credit card company that would recover the deposit - not me?  BTW I raised a dispute with Capital One last night. Email.pdf
    • oh dear  i think you are in for a big shock   i doubt very much the loan is settled there will be £100's in unlawful fees i bet   we have numerous threads here about them in 2016 they were residing at   PO Box 1044 ipswich IP1 9YA   i would be sending them an SAR  don't ever ring them.   have you checked your deeds online recently? check they are on there. and has the loan ever been subject to legal action?   if not that would be a rare thing to us.   https://cse.google.com/cse?cx=partner-pub-8889411648654839:3134625398&q=Skye Loans&oq=Skye Loans&gs_l=partner-generic.12...    
    • doesn't say will anything. read it properly and carefully.   only the owner of a debt can get one of the many fake/tame paperwork only solicitors to issue any proceedings and they would have to abide by the courts pre action protocol of 30  days letter first!   as it's owner...i can try and instruct my dog to sit, if it does is a totally different matter. if my neighbour, who doesn't own my dog, tries it, it would ignore them.   the bottom line is there is nothing anyone can do to you. gyms don't do court gym debts don't appear on credit files.   any DCA they might get to write to you ARE NOT BAILIFFS any a DCA has ZERO legal powers on any debt, no matter what it's type.   dx    
    • This letter arrived in the post today, please advise how to proceed. I know the forums say they won't action but am very worried about this
    • go save his bacon clint and put him right...   dx  
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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.
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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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My council (Edinburgh) is applying to sequestrate me for council tax I don't owe.


The disputed sum is big but I have more capital than its value.


I have been making a repeated appeal annually, clearly on grounds of error of calculation.


By law, anyone charged council tax has an absolute automatic right to do that, and the grounds may be anything the appellant perceives as an error of calculation.

This is explicit in all the public information on council tax appeals and in the Local Government Finance Act 1992.

It is a matter of simple exact statue law that has so shades of interpretation.


The council has no veto over my appeal: if it disagrees with it it must contest it.


But the council has for 8 years been ignoring all my appeals and refusing to recognise them,

on grounds of claiming that they are - not relevant appeals -


It has kept on sending me sheriff officer's letters in pursuit of the appealed sums.


I always answered those in full, only to get eventual repetitions of them ignoring my explanations

or else arbitrarily stating that the council has said my appeals are not appeals and do not count.

Never have they answered my point that the council has no power to do that.


Now the council has taken straight to sequestration a dispute that should have gone through a council tax appeal.

Its claims that I owe the sum simply ignores my appeals, hence must be based on claiming a power so to so, contrary to all the public info on the appeals system.


The council has always known it could dispose of the issue just by contesting one appeal and after that my council tax position would be normal again.

It can't be portrayed as reaonsable for the council to pigheadedly refuse to contest an appeal, knowing that and knowing the appeal is being repeated annually, and instead knowingly to let the situation drag on for years.


The council must also be wrong, if it thinks it has any case, knowingly to wait while a sum it intended ever to claim mounts up and becomes more intimidating. That is obviously bullying.

It has never taken any of the less drastic approaches to enforcement, e.g. bank accounts.


I have lodged as my defence, those points on the action's excessiveness, and my documentary record of the years of lodged and ignored appeals,

and the Local Government Finance Act and the public info on the right to make appeals.


It would be illegal for the court to find against me, for it would abolish the principle that folks should believe published official information on the law,

and then there would be no basis to expect me to believe and obey anything the sequestrator said either.


I have put that to both the pursuing solicitor and the nominated trustee, as a point that voids the case against me and proves only my case can be right. Neither has yet answered.

This needs all the human rights interest it can get.


I have mailed to the EHRC about it but it can take a week to know if they will respond.


I have mild autism and am actively involved in a services project run by a university that follows how services/public bodies treat folks and has already had an interest in my problem before it came to this point.

It also means I should be entitled to advocacy in any dealings with the sequestrators.


I already have a reference to contact citizen's advice within the court.

My councillor is the Lord Provost and good about keeping his community involvements...


My point about all these interested parties and as many others as possible, is so as not to be alone and unseen which would encourage the court to decide against me.


In order to establish that a decision against me is illegal, the highest possible number of parties need to have been alerted in advance of the day,

and unless their existence deters the wrong decision from happening, they watch it happen.


Then they would know instantly that the decision has abolished the believability of any published and written law to rely on as true,

and hence that I can't be expected to understand and believe any written law that the sequestrators tell me to cooperate with.

That absurdity gets thrown back at the system to prove the decision illegal and unworkable.


I think what I'm asking for here is ways to raise interest. Know any sympathetic journalists or organisations who are good at responding and making public fuss about such issues?


Can Action Group itself raise some public concern about councils bullying folks like this?

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Putting it simply:Human rights campaigning interest is needed, from any source. A dispute that should take place in a council tax appeal, and which I originally lodged as one, can't be taken to sequestration instead. A council can't be allowed to choose to ignore a council tax appeal, repeatedly, and later take the same money to sequestration.The law, and the public info on it, says there is an automatic right to make council tax appeals on any item you perceive as an error of calculation. It does not say the council has any veto over this, any power to define an appeal as not relevant and refuse to recognise it. Let alone to pursue you through court ignoring the appeal's existence. the council's petititon to the court nowhere even mentions my appeals in any way, that they were ever made. A court must not be allowed to go with that, when I have given all the hsitory of the appeals as my defence evidence.

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So is your appeal and actual valid appeal or is it to just to prove a point?


Also there is no hearing for council tax debts they are an automatic process and you have no leave of court for it so that route doesn't exist.

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.


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It is an error of calculation, an item that should be taken account of in the calculation. By the written law that automatically makes it a valid appeal: any item perceived and explained by the appellant as an error of calculation is a valid appeal. Hence the court would act illegally to say otherwise, and I have already written so in my defence papers.


I know the initial system for the council registering its claim to a council tax debt violates human rights by not providing for a defence case. But the sequestration procedure does provide for making a defence case, including when the case is only about council tax, as this one is.

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have you paid the difference?


sorry yes during the sequestration then you can lodge Answers so that it goes to diet proof for a defense.


What stage are you at?

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Have you not thought to contact these;




Scottish Public Services Ombudsman




We are the final stage for handling complaints about public services in Scotland.

We deal with complaints about councils, the National Health Service, housing associations, the Scottish Government and its agencies and departments, colleges and universities, prisons, and most Scottish public bodies.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.



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On the eve of court, with hours to go, I have now got the council saying they are going to talk and to ask the sheriff to "continue" the case for 4 weeks to allow discussion.

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  • 1 month later...

Won this case. All through the maximum period of "continuation" the council never supplied the responsible official who could actually give answers, to attend either of the 2 meetings it had with me, and never offered a substantiation of the view that the law allowed it to refuse recognition to my appeals. So the outcome is, extracted from them only in the last few days left: they had to allow an appeal case to proceed and thus they had to dismiss their own cased in court. So I won.

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