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    • I must withdraw from the course as Student Finance England will not fund my second degree which is an exception degree. For I been told of an outstanding debt that I had no idea existed, which was sold to a third party from my original degree. SFE told me that there no outstanding debt when doing my application but now informed me that they sold half my loan to a private company that put a block on my account.  I tried explaining that I never earn over the threshold so no payment was due, which sfe agreed but they say they can do nothing about the block on my account by Erudio.  I rang Erudio to explain but they said will only remove if I fully pay even though I am under no legal obligation as I never earn the threshold, plus I cannot afford 8070 pounds.  I spent hours telephoning looking for a solution with no luck, I contacted Student loans England, Student Finance England, the University credit and finance but no luck in finding a solution. But I really see a solution being found as I don't want to liable for course fees as I can't afford them without SFE loan.  What makes it worse is the university stringed me along even though I phoned them on 28/10/2020 and raised this as a concern that finance not been received and she assured me the cut off point was 18/11/2020, I received my decision on 21/11/2020 i immediately withdrew from the course.  But when I rang the university to explain that these are circumstances out of my control,  and its not like I don't want to continue the degree there no finance she said well we charge you 2250 pounds because you two days over the cut off point. I told look at system notes I already telephone with concern and now they sending me invoices, totally stressed made appointment with Student union adviser I find it amazing they try to take advantage of me in this way.  If anyone has any advice please I would very much appreciate it.       Just add I rang erudio whom informed me the debt was Stature barred in 2010 and they bought loan in 2015, and they only remove if I pay it in full which I cannot afford, this reason I have drop out.  On my SLC loan every if up to date and there no outstanding balance there deferment till 2005 and then gap in 2018 it says   Annual Unmatched customers/oversees/Not eligible to repay statement.  I did move address erudion had my old address but slc had my new address.  Anyway the lady said that since I did not fill in my deferment regardless if I can prove I never earn over the threshold that the debt had been statue bared,  If anyone can tell how I handle the university whom going after for a whole term payment just cos I was two days over the tutor said she allow my withdrawal from the 18th but I don't know how the university will act.      
    • Some 162,000 mortgage payment deferrals are still in place, after dropping from a peak of 1.8 million in June, according to UK Finance statistics View the full article
    • Okay. The plumber can have a quiet life but you need something from him to describe the installation, and also that the expected life of a copper cylinder would exceed XX years even in the case of corrosion and that corrosion at only five years could not be described as "normal wear and tear" and is likely to be caused by some inherent defect. The fact that the terms and conditions of the warranty are not clear will help you because at the end of the day I think you are in a position simply to say that you understood it was guaranteed and that no terms and conditions were set. That it was absolutely reasonable to expect that if there was a defect in the item then the reparation would include not only the replacement of the cylinder but also all associated costs. I think I've already suggested that you get a couple of written opinions about the expected lifespan of a copper cylinder – even if they can't give you a lifespan, they can certainly comment on corrosion occurring within five years. You are doing all of this for your neighbour. If this runs to a legal action – as it probably will – then your neighbour is going to have to do this. Does your neighbour understand this? The chances of you succeeding in court are extremely high. The chance of this actually going to court are much lower because it is much more likely that they will put their hands up. I would suggest that you might be best off suing the manufacturer and the plumber's merchant together as first defendant and second defendant. If they are sensible, they will pull together on the cost. I'm assuming that a new cylinder has now been fitted – is this correct? Presumably you have the invoices for the purchase and installation of the new cylinder. Presumably the new cylinder which has been fitted is the same or equivalent to the one which corroded so that there is no particular difference in the cost.
    • just says you need access. you need to make it public.   dx
    • it will and it will have a reply pack.   ignore everything unless you get a PAPLOC.   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.
       
      • 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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Worried about being on databases, and very concerned who can see them.


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I am more than a little concerned about the use and sale of lists of people and their residences.

 

There are many genuine reasons why a person should want their location kept secret, such as witness protection and domestic violence.

 

Would a service/utility advisor have a list of everyones residences even those who have never been customers? Would they be allowed to give this list to anyone?

 

I am very concerned about this as these lists would be very useful to criminals and terrorists to say nothing of DCAs.

 

Also what would these lists contain? Could they be used to put undue pressure on people?

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This information is all in the public domain

any one can compile a list of companies

with addresses etc,

As they can from telephone directories electoral

registers and hundreds of other sources.

Witness protection and the like is handled

by Government agencies with considerable

expertise, the average member of the public

is in no need of such protection, many of the

complaints regarding privacy have their

roots in the simple fact people don't

read agreements and fail to opt out of

their data being shared.

The list can contain diverse information

from the brand of cigs preferred to the

supermarket you use most.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Yes I know what you mean, but why is a company I've never dealt with keeping a database with my information and what gives them the right to sell it to a DCA? My present details are not on the likes of 192.com or the public electoral register, so how has a company I have never had dealing with got them?

 

There is a principal involved here, I've never hid my address from any of my creditors. I may have gone over the top re witness protection but you can't tell me that the police have the power to keep the details of every police officer, service person, witness, juror and domestically abused person private.

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Yes I know what you mean, but why is a company I've never dealt with keeping a database with my information and what gives them the right to sell it to a DCA? My present details are not on the likes of 192.com or the public electoral register, so how has a company I have never had dealing with got them?

 

There is a principal involved here, I've never hid my address from any of my creditors. I may have gone over the top re witness protection but you can't tell me that the police have the power to keep the details of every police officer, service person, witness, juror and domestically abused person private.

 

 

Hi Count, there was a post on here yesterday with a reply saying type john harris its an illusion into google, I did now i'm even more para.

The tpuc.org website is very interesting reading.

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The police, the services and other don't

publicise who they are in public data bases

you wont see an entry of PC Plod and the address

in the telephone book, service personnel don't display

their rank on an entry unless they are of senior rank

and retired, even so the service lists are available

for public reference, military commissions are posted

in the London Gazette, Churchills medical directory

list medical practitioners, Iam on some of these data

bases and it causes me no problems.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Big Bro got bigger and more and more powerful

as the result of the grotesque nanny state invented

by Blurr and MC Broon that poked it;s nose into the

most private areas of life in England & Wales but

of course left Scotland relatively untouched by the

prying eyes of over zealous local authorities and

quangos,and the like.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Interesting debate to be had here.

 

I think the state holds a lot of information about people, probably a lot more than most people realise. But in the main they are not allowed to sell the information onto anyone and I think there are certain protocols they have to follow concerning its usage. There are rules for example about information given to one government department, being used by another department, when there is no provision for this in law. One example is that the census info cannot be used by the taxman to catch someone out. There are exceptions to this e.g DVLA, who do sell info on.

 

In regard to the credit reference agencies and commercial companies you come into contact with, they should comply strictly with the DPA. Problem is that once your data is on their systems, you have no way of knowing whether your data has ever been passed onto anyone else. If there are issues of security, I believe that there are certain documents that can be served on companies handling your data that they have to comply with. I have seen this working in financial services, where certain peoples data has been made more secure, with access only given at a higher level. Also via IT any data links are disabled. Count Orlock, if you fit into this category, you can make such a request to the compliance manager of the companies concerned. They should have processes for this.

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Well I still don't think it is right, and it certainly isn't a good way to keep or get customers.

 

"Come and buy your buy your services from us, even though we have never dealt with you before we have all your details and we routinely give them to other people." I don't think so, I only deal with people who respect my right to privacy and do not give them to all and sundry.

 

Incidentally the service providers I use do seem to abide by my opt-out.

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The protection is enthroned in the DPA 1998, and

the right to SUBJECT ACCESS REQUEST THAT CAN BE MADE

TO ANYONE COMPANY SERVICE

or what ever.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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I would add that I can't find out where I live using any of the online people finders.

 

Interestingly I can find out the names of all my neighbours, but my house does not have anybody living there.

Edited by count orlok
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Hi Count, there was a post on here yesterday with a reply saying type john harris its an illusion into google, I did now i'm even more para.

The tpuc.org website is very interesting reading.

 

Interesting to see tpuc being talked about here.iv'e been a member of the forum for a very long time and iv'e heard john harris speak,facinating what he had to say.

 

I say if your not paranoid your not paying attention.

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