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    • I sent the parcel on the 10th of September.   The package contained shoes.    The parcel is worth £70, and that's what I marked it as on the lost claims form.    I paid £3.04 for delivery.   I was refunded £23.04   So I am owed £50.  
    • No real update as such I ordered another 5550 via the sales route (24/9) after finally getting a quote to agree (£400 more than the original but with technical arranging a cashback of the difference). Got it earlier than the estimated date and instantly knew it would be another off the shelf product = same trackpad issue.  New builds take a couple of more weeks to get to me for obvious reasons. Sure enough, it had it too along with a couple of other issues so it was boxed up within minutes of opening.   They picked this up last week and have refunded it.  In the meantime, the new build via technical with the FIXED part has moved yet again to now the end of November (4th time the date has moved?)   I decided to give them another option of an on-site repair with another new purchase to speed things up but leaving the new replacement option open too should there be other faults on the new purchase.  They agreed, but the quotes were beyond ridiculous and beyond the cashback/refund allowance they were giving me (15%)   From the last purchase a few weeks ago, the quote went up 17.43% with the wrong cpu,  19.82% with the right cpu but wrong screen and finally a whopping 44.16% to the original cost with all the spec being correct citing "promotional offers in June July meant it was cheaper" despite the previous one being only 12% more in September.   So we are now back to just one single route which is the technical route replacement when they have the part in stock - this is at the end of November supposedly.  I still have the option of a full refund of the original cost back in July from now until sign-off on the new machine or if the new machine fails to materialise.   The way I see it with this option is I am essentially using the machine for free until they pull their finger out or until I find a better alternative which I am exploring on a daily basis because a the end of it, I either get a brand new working replacement that is fit for purpose or I get a refund after using it for several months.    
    • Thanks uncleB   One other question: Can a mortgagee in possession refuse to sell? And instead rent?   Or do they have legal obligation to sell? The property has been taken off-line and hasn't been marketed for last 2 months.  
    • It seems to me that you could probably apply for judgement on 30 October. However it's a good idea to keep on checking regularly to see if it is permitted before then. As soon as it allows you, do it.
    • Deemed service on a company is two days after issue. Deemed service on a litigant in person is five days after issue – unless something has changed. I've already said that proposing to send further particulars is generally speaking unnecessary and only complicates matters as you are finding out. However as you have indicated that you are sending further particulars, send them further particulars and simply state in the body of the particulars that you have nothing to add to the particulars of claim contained in the original claim form at this moment. Send that straightaway so that when you apply for judgement you can click the box and say that yes you have done that. It might not have been fatal not to have informed them that it was a laptop – but it is better that you did and the important thing is that they had been told of the item and of the value at the time that you entered into the delivery contract. I think that you will find that laptops are one of their prohibited items – along with almost everything else in the world
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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
      • 49 replies
    • 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.
       
        • Thanks
      • 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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        • Like

lloyds tsb loan charges, can i claim?


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I took out a loan from lloyds about 2006, in 2007 i defaulted on the loan and pay £1 a month as a gesture.

 

The loan was for £4500 and on my experian report it says when i defaulted i owed £3960 now i contacted lloyds as i new i was going to default and they agreed to freeze the interest but my report now says i owe £5500, i don't want to claim as such but if possible i would like the charges taken off as i would like to make a full and final offer in the near future, would that be possible?

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get reclaiming first

 

got ppi too?

 

dx

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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As far as i know there is no ppi, i wasn't working when i got the loan so it was no use.

 

So should i send an SAR, i've sent for one of these before from barclaycard i couldn't make head nor tale of it, would someone be able to tell me exactly what im looking for.

 

Sorry theres so long between posts im working alot of hours at the moment.

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