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    • Hi everyone, hope all ok here.    I have just received a letter from a debt collection agency asking me to pay a debt owed to British gas.    Upon checking my credit scores, i can see this debt shows up as settled and closed in 2016. Started in Dec 2015 and closed in July 2016 with £0 balance.    I have no recollection of owing anything to British Gas. It's a very small amount (around £40) but it has been bugging me.    Any idea if i should be paying this company?    Thanks for all your helps in advance. 
    • The company is called Ideal Window Solutions Below is a response from the manager to a request to cancel, them having cancelled the fitting on at least four occasions. In June it was arranged they would start at the beginning of August and each date they promised they have cancelled. .  I have been informed by the office that you said you want to now cancel after telling me that you will see it through till October. If you do cancel, as I mentioned to you, there will be financial penalties due to the fact that you have signed an official, legally bounding contract to supply and fit new windows. I mentioned to you that the glass has already been delivered and all other costs associated to putting your contract in place. If you cancel we will be looking to recover this from you. I don’t want this this to happen over a couple of days, which is out of our control. Can you please reconsider and get back to me.
    • Meanwhile Drakeford gone into full control freak mode,  on Wales Firebreak banning sales of all non essential goods whatever he means by that   https://www.dailypost.co.uk/news/north-wales-news/fire-break-ban-supermarkets-like-19141351   Can't see how he can ban online sales but he will try.
    • Got the same issue at the moment with Hermes. Mobile phone sold on eBay. Used the eBay services for posting. Hermes lost the parcel after collecting it. But have to wait 14 days. Overall pretty poor but will take county court action for the costs.    If I find out more I'll post here. Amazon usually credit once the item is collected.   Pretty messy.
    • its not showing on credit report. I show what they send me in letter when reject my application.  I copy without my details below    Dear     Assessment of Application for Student Finance Academic Year 2020/21 We have considered your application and based on the information provided, you are not eligible to receive student finance because: • You have arrears on a previous Student Loan. The Regulations which govern how student finance is provided say that we cannot consider any student eligible to receive student finance if he or she is behind with repayments on an existing student loan. If you have a Mortgage Style (MS) loan, please call your debt owner on the telephone number shown on the most recent correspondence that you have received from them. If you don’t know who your debt owner is, please go to www.gov.uk/repaying-your-student-loan for more information. If you have any Income Contingent Repayment (ICR) loans, please call 0300 100 0611 for advice. If you require more information about student finance visit www.gov.uk/studentfinance Yours sincerely Student Finance England   This is what they replied when rejecting my application.  So even though the debt been sold to erudio they will keep rejecting any new application.  I have also Loan with SLC which is completely fine.
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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.
       
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      • 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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Cogswell V HSBC


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Hi

 

I have found this site very helpful so if I win my claim I will be making a donation to say thanks.

 

Anyway I am currently claiming charges of £3125.00 from HSBC and I received an offer of £2,000 on Friday 15th Sept (14 days expires 19/06/06)afetr umming and arrhing I have finally decided that I would decline the offer but am now thinking I will end up getting nothing if they decide to defend, as they did say in there letter that it was £2k or nothing! but on the other hand why if they are so confident in winning at court would they make an offer of repayment? I desperately want a new car so was hoping money could have sorted me out but now wondering whether I should have taken the £2K.

 

What do you think?

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Hi

 

I have found this site very helpful so if I win my claim I will be making a donation to say thanks.

 

Anyway I am currently claiming charges of £3125.00 from HSBC and I received an offer of £2,000 on Friday 15th Sept (14 days expires 19/06/06)afetr umming and arrhing I have finally decided that I would decline the offer but am now thinking I will end up getting nothing if they decide to defend, as they did say in there letter that it was £2k or nothing! but on the other hand why if they are so confident in winning at court would they make an offer of repayment? I desperately want a new car so was hoping money could have sorted me out but now wondering whether I should have taken the £2K.

 

What do you think?

 

 

hi not if but when! ok accept the offer as a patial settlement, ensure you inform them that you will be continuing to seek the balance. It may take a little time to get the cash but you can buy a better car when you get the full amount they owe you.:D

  • Confused 1

 

 

 

 

 

I am not a legal expert my advice is given without prejudice and is purely my opinion only. If you are in doubt please seek professional advice.

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Thanks for the reply.

 

If they do pay me my money will they take the amount that I owe them for my loan & overdraft off the amount that they pay? (my loan & overdraft are lower that what I am claiming)

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Hi

 

I am claiming £3125.00 in charges over last 6 years I finally received a reply from HSBC last Friday 15th Sept offering me £2k which I declined but sent the decline letter saying I would accept as part offer, I filed the MCOL last night as deadline for refunding me money was the 19th, but in the post today I received another letter saying basically

 

"The bank doesnt agree with your contention that the charges that have been imposed constitute a penalty and are therefore unenforceable blah blah blah...." however at the end of the letter it says that "I trust I have been able to clarify the banks position if you are not satisfied refer to the Financial Ombudsman Service" This has worried me somewhat as they were offering me £2K and now I am worried I am going to get diddly squat! has anybody else had this letter?

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I got the exact letter you're quoting as I also rejected their offer. I was also a little worried but decided I've come this far so carry on. I'm filing my MCOL Saturday when I've more time on my hands.

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i had that one, standard waffle, promptly rejected. then received a letter telling me that they were 100% sure they would win the case, in fact they were so sure they then upped there offer by a thousand quid, told them were to place it, and told them i will see them in court.

they seem to make an offer at the same time as they file a defence, i think they

believe that the AQ will scare you into accepring less than you deserve.

but at the end of the day its your money and your call.

best of luck

:mad:LF53
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Thanks for all your help, dont feel so worried now! seems that some people get these letters others get better offers if they had offered maybe £2500 I would have taken it oh well there loss!

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I have it on good authority that the banks themselves are able to refund up to a limit of which i have no idea what that it, but it does seem to be that they'll offer refunds around the 2k mark but not go any higher. It seems crazy really that they'll pay the 8% interest at MCOL rather than refund us, despite knowing they'll have to in the end anyway. There must be a god reason for this...i'd love to know what it is!!!!!!!!!

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It's to put you off claiming. It's not correct there is a limit i've just been offered the full amount claimed on my Summons (including Court Fees) total £3,488.39. Lots of people worry they will lose. The Banks play on this. For everyone who goes ahead and claims on this site there will be others who won't dare take the risk and continue and others who accept less than they are entitled to. It's a bit like a game of dare! But we know everyone who goes for it gets a full refund eventually - so go for it you've got right on your side.

 

Please note the above represents my own opinion only and is not to be regared as legal advice.

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i too got that one lol it worked on my hubby but not me keep going hun not long now

WHEN THE WORLD GETS IN MY FACE I SAY HAVE A NICE DAY :lol:

 

MY SUCCESSESS

HSBC £5,735.35 :D

MUM IN LAW £2112.00 WIN FROM HALIFAX :grin:

MUM £3580.00 WIN FROM NatWest :grin:

AUNTIE 2 NATWEST WINS £1865.00 AND £2541.00

EQUITA BAILIFFS £293.00 REFUND :grin:

MBNA £871.16 WON WITH CI AT 24.49%

WELCOME FINANCE CHARGES £600 APPROX didnt even need letter lol

CAP ONE WON WITH CI AT 29.9% £994.26

 

CLAIMS ON THE GO AT MO

mbna ppi

NatWest cc at mcol (ppi next)

welcome ppi

first response charges

 

IF I HAVE HELPED IN ANY WAY HIT THE SCALES IN BOTTOM LEFT CORNER THANK YOU ;)

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