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    • Jeff believes, like fish, chips and mushy peas, they are an integral part of this country's DNA. While Rachel argues that her 'free' account is being paid for by someone else. View the full article
    • https://www.dailymail.co.uk/news/article-8900129/Boris-Johnson-facing-Tory-revolt-new-lockdown-Furious-MPs-lead-backlash.html
    • I'm very sorry but this is very scant information and it certainly doesn't lay out the story in the way that I asked. Also there is absolutely no reason why you shouldn't identify the courier. as long as you are straight dealing and honest then it is better to bring things out in the open. we don't play secret squirrel here or get into any skulduggery. we are very pleased to help you and support you but you will have to lay things out in the open so can we can fully understand and provide us with the information that we have asked for  
    • Thank you BankFodder for the feedback and learning; here is the chronology which encapsulates the 'story'.  All parcels listed below were never delivered (for no apparent reason - the reason stated on the messages I received was that 'customer has no knowledge of purchases' ) by the courier who I'm cautious not to name in case there are legal implications for me personally. This matter is now in the Court system. I would be grateful if you could please confirm that you have seen the defence. Chronology Retailer Date goods ordered Date goods collected from retailer & promised for delivery by xxxxxx Comments / Breach of contract Holland & Barrett 23/09/2019 27/09/2019 Parcels not delivered – returned to H&B Debenhams 27/09/19 07/10/2019 Parcels not delivered - returned to Debenhams Holland & Barrett (re-order) 01/10/2019 07/10/2019 Parcels not delivered – returned to H&B Debenhams 29/09/2019 01/10/2019 Parcel not delivered - returned to Debenhams Debenhams 29/09/2019 01/10/2019 Parcel not delivered - returned to Debenhams Debenhams (re-order) 01/10/2019 07/10/2019 Parcel not delivered - returned to Debenhams
    • If you want to save us all a lot of time, you can tell us the whole story in a chronology without too much narrative including who you are dealing with. We really can't say if you have missed a trick until you lay it all out.   In terms of not wanting to bother us, - very noble, but it is less of a bother if you come to us first so that we can help you to get it right first go  
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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
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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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Hi i have foolishly fallen into the payday loan pit, by borrowing once i have had to borrow more and more and more to pay or keep up with repayments. I have been offered by a debt management company for them to consolidate the loans and pay them instead over 2 years. This will cost me an extra £1000 in interest/admin fees. Also the first 2 months worth of payments(£200) will be held back by the debt company for what reasons i do not know. Also they have said that after all this wonga, pduk etc may not even comply with them anyway. What do i do? Should i trust the debt company or go direct to the payday loan companies and try to sort it out myself?

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hiya cj, you can do everything youself and it will save you money.i personally wouldnt go to a debt mangement company as it would cost more. List all your creditors and maybe we can help x

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I'd say the debt man company would be a last resort, my other half was with one, she paid them £25 per month(on top of her bills), over 2 years she paid them £600, the amount she owed after 2 years was less than that, and she could have made the arrangements herself, just didn't know how. had she done so, she would have paid all her bills off sooner and cheaper, so beware.

That said, I think there are some free services out there if you really do need help.

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Why not go to Payplan or CCCS, they are both free, and don't forget that you only owe the PDL company the original loan amount and one lot of interest, nothing more.

 

You might be better off doing it yourself but it is vitally important to get a bank account set up where they can't access your funds, Halifax Easycash online, the Co-op and Post Office all do good basic bank accounts.

 

If you can pay one loan of this month then try to do so (its called snowballing and is sometimes more effective than pro-rating) then the next, by the time you come to the third month the companies usually start offering a 'substantial discount'.

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  • 2 weeks later...

Hi, i must say thanks to you all to getting back to me so quickly. I cancelled my card and tried to close my account but the bank wouldn't let me unless i paid my overdraft back which is £300, so i've had to leave it open for now. I managed to get through the end of the month without wonga etc taking any money. Now the phone calls have started!! I tried speaking to mr Lender and asked if i could set up a payment plan to start getting the loan paid off and they refused! they said i should defer it then next month phone and set one up. I said well you'll just do the same thing next month and just keep asking me to defer, they said they wouldn't but i'm not sure. they also said that if i didn't defer then i would get loads of phone calls and charges even though i was trying to sort the problem out. Do you know where i stand and what should i do? Thanks Cristy

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Cristy, you do not need to defer it, stop picking there phoncalls up and write them a letter expalining your financial position and how much you will be able to pay back a month ask them to also keep all further communiction in writing. keep to your repayment plan.and they will give up and accept your offer hopefully x

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Hi, thanks again for getting back so quickly. I will start writing letters and let you know how i got on. I feel a bit stupid for not knowing what to do and am very grateful for your advice. Thanks again, cristy

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what companies do you owe.... have you set up a repayment plan with wonga?? contacting them before you default is better, and surprisingly lately wonga has been quite accomadting for Caggers needing help!

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Cjhughes01

It seems daunting at first, but once you start to get somewhere with them you'll feel better, if you start off reasonable with them , most will be ok in response, the others you may need to growl at, but the letters for that are all on here to help you.

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