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    • Just to fully understand. : I should stop paying : HSBC credit card and Overdraft Ask for CCA from cabot How about very recent LLOYDS overdraft debt.  Just got the letter today stating that they defaulted this account and collection depart. will contact soon to arrange repayments. I guess I just need to wait to see what they will come up with.  But before any of that I should write to all creditors to inform them that I will stop paying them? Due to my bad financial situation?  I know I'm asking a lot but appreciate your help Sir.  E. 
    • hey no sweat any defaulted accounts vanish from your file on the defaulted dates 6th birthday paid or not, paying or not. doesn't mean the debt is not still owed mind.   as you've been paying for 6yrs+ pers i think i'd simply stop payments on that one too. ignore everyone, and of course abide by the golden rules   never ever talk on the phone about your debts, esp to a powerless DCA they ARE NOT BAILIFFS and have  ZERO legal powers on ANY debt no matter what it's type.   they'll eventually, like the OD debt, they'll sell it on.   if either of those happen and you get a Notice Of Assignment pop back here and we'll advise further.   in the meantime don't move without informing creditors.  
    • I had the same turbo refitted properly for about £180 I think.thats it, yes.
    • My neighbor just has the invoice from the plumber for the work done and materials supplied. The cylinder has a prominent large orange label that clearly states  '10 Year Warranty'' and there is no further qualification. No other paperwork was provided.  So the man on the Clapham Omnibus would expect that they had the benefit of a 10 year warranty as sated on the tin.   The '10 Year warranty' is standard, provided with the product, and was clearly aimed to win sales.   The manufacturers web site does currently list T&Cs that qualify the warranty, We don't know if these T&Cs are as they were 5 years ago, or if they have been changed   I have to say that the manufacturer appears to be very unsophisticated, their correspondence is far from professional, as was their telephone manner. This may be endemic to the industry as one of the competitors web site has a product page with a large clear bright image stating 10 Year Warranty, then within the product description (smaller print) it lists '5 Year manufacturers warranty'. Not sure what trading standards would make of that.   Thanks again    
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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.
      • 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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Overdraft on a mortgage - help needed urgently!!!!!!!!

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Hi, to be honest the judge's hands will be tied somewhat as the hearing will be to determine how the current arrears are to be paid. If you are unable to maintain the normal monthly payment then it is obvious that the arrears will increase rather than decrease. There is always the option of putting the property up for sale and asking for time to sell while making reduced payments, but you would have to show proof (estate agents contract) that it is indeed for sale.

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My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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I think that's good advice from Ell-enn. If it seems inevitable that you can't stay in your home it is much better to try and sell it yourself, on your terms, and ensuring you get the best possible price. At the very least it buys you some time.


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Sounds like you have what is known as an all monies charge in your mortgage - which means any other lending the mortgagee (Woolich/Barclays) have given you is automatically secured against your house. Since overdrafts are usually payable on demand, if you fail to pay them when they ask for it, they will do exactly what they have done, go for possession.


The complexities surrounding an all monies charge aren't readily understood by many people - if it relates to an unsecured loan, a credit card or similar, then the court retains the power to suspend any possession order under s36 of the AJA1970 and s8 AJA1970 (there is more to this, but I am sticking to layman's terms). But where the money lent relates to an on demand overdraft secured by an all monies charge, then s36 and s8 do NOT apply. But, that said, the court retains the discretion to adjourn or suspend a possession claim if there is a likelihood of the overdraft being paid off in a reasonable period.


s8 AJA1973 specifically does not generally apply to an on demand overdraft, but the court can still exercise its discretion under s36 AJA1970. You need to check your agreement for the overdraft to see if there is reference to deferment of principal.


Your defence is going to be complicated in the sense that you will have to raise the above information to the judge, otherwise the otherside are going to push on the all monies charge issue.

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Thanks Lea...unfortunately, I am confused by this twist. They haven't provided the agreement despite many requests so it will be difficult to get anything done on that angle b4 tuesday. So I have pointed this out in my statement and will keep the ss.8 & 36 in my war chest.


I thought because the other lending was on a OD, the Coutts v. Seb case might come in useful? Do you have any thoughts on this?

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Thanks Lea...unfortunately, I am confused by this twist. They haven't provided the agreement despite many requests so it will be difficult to get anything done on that angle b4 tuesday. So I have pointed this out in my statement and will keep the ss.8 & 36 in my war chest.


If you use these sections you MUST understand what it is you are asking the judge to consider - it is for him to use his discretion to allow you time to repay the OD, even though it is an on demand repayment facility. You can gain an adjournment by informing the judge that you have requested sight of the agreement and have not yet received it yet. The judge will direct the other side to provide you with a copy.


I thought because the other lending was on a OD, the Coutts v. Seb case might come in useful? Do you have any thoughts on this?


It is impossible, without the full facts of your case, and sight of all the relevant paperwork (most notably whether this is in fact an all monies charge or not) to ascertain which case law may or may not be pertinent to your case.

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I have a book containing terms and conditions (far too big to copy & post on here) - any idea where I should be looking? Is there likely to be something stating 'all monies charge'?

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I have a book containing terms and conditions (far too big to copy & post on here) - any idea where I should be looking? Is there likely to be something stating 'all monies charge'?


Your mortgagee is OBLIGED to tell you, if you ask, whether there is an all monies charge clause in your mortgage agreement. Ask them. It would be difficult for me to tell you where in your booklet to look, or what wording to look out for, as it won't necessarily be the same for all mortgages. But, they do have to tell you, and they can tell you the exact paragraph it is contained in. If the wording is ambiguous, then you will obviously be able to claim that it is not readily understood and is therefore an unfair term - though this of course won't work if the wording makes it clear what it means (they usually do).

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