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    • Don't worry about it.  It's just that it makes it easier for people to understand and to try to give you advice if you keep everything related to one topic in a single thread, so everything is in one place and not scattered around.  But if you have a new or unrelated topic, it needs it's own new thread, otherwise people get confused and can't separate one topic from another.   Does your question about the courier need a separate thread, or is it part of the unpaid loan to your relative issue?   Whoops!!!  Sorry - I see there is a new thread.  Teach me to read before I post!
    • Thank you BankFodder for reading and responding to my post.  (i) I'm sorry I did not mention the courier's name because I suspected there is a need to anonymise the case. (ii) With regards to the 'story' I have, hopefully concisely set the scene in the Particulars of Claim, that is the gist of the matter.  The defence provided by the courier puts their case from their side.  (iii) I try to seek help as a last resort in view of how busy people are I tend to fear that I might be a bother. Perhaps you might help me by pointing out where I might have missed a 'trick' please. I would be most grateful for your help.
    • Evening Caggers, I've attached what Lowells had sent the OH relating to my CCA request.  If you ask if the credit agreement could be better its even worse in real life (its pretty much unreadable to the naked eye).  They've asked me on the last letter the OH got off them that they would not be sending another copy of the CCA as they've already sent one.  I get that they've sent her a CCA, but to be unreadable this cannot be correct.  Anyway the stars aligned today as the postwoman delivered the contents of the SAR I'd sent to Lowells.  What they sent was generic letters but without the OH's details showing which I thought was quite strange, copies of what I've attached on the PDF and a couple of legacy information from the previous DCA that had it.  What was not included was a breakdown of any additional charges and interest placed on the account nor a Default Notice which I specifically asked for.  Anyway any thoughts on what I've posted would be much appreciated.  Thanks PM  20201031-Lowells OH Vanquis Card Redacted.pdf
    • You need to tell us the story.  I'm afraid that the claim form gives almost no useful information.   You've been here since January and it's a shame you didn't come to us before starting this
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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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Missed flight due to excessive ques

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Had a flight with Easyjet, arrived at Luton airport 2 hours prior to the flight but due to the greater than 1.5 hour long security que us and many others missed our flights. Easyjet say its not their problem which is understandable as it was an issue with security but the airport are denying we have a valid claim. What are our rights? if we can make a claim then who against and how?


many thanks


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I think that providing you have met the stipulations and recommendations of the carrier, then ultimately it is their responsibility to provide carriage. If circumstances beyond their control then cause you to miss the flight, then they are still obligated to provided a free transfer to an alternative flight at the earliest opportunity, and follow up the problem with those who caused the problem. Clearly the blame lies with either the airline or the airport operator, but YOUR agreement is with the airline to provide carriage providing that you have met the conditions attached to that agreement.


Don't let it rest with Easyjet and escalate the matter as far as you need to.

Any advice given is done so on the assumption that recipients will also take professional advice where appropriate.






If I have been helpful in any way - please feel free to click on the STAR to the left!


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Why didn't you tell one of the staff during the security queue that you were late for your flight? They will usher you to the front of the queue. Also they do several calls for flights when it gets close to boarding to allow people to move to the front.


I find it dubious that it took 1.5 hours, as I've been in some very long queues yet they always seem to move fast- 30 mins maximum to go through them.


I don't think it looks good for your case. Technically you were late for the flight. If you arrived and checked in around 1 hour before your flight, then others checked in after you and managed to board the flight then it does not bode well for you. If that's the case then you were just late for your flight and it is your perojative.


Easyjet has no obligation to refund missed flights AFAIK.


I could be wrong. Maybe someone here more knowledgeable can post.

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Been through this over Priority Boarding - in the end we threatened to use the alternative airline, and listed each flight (over 20) we'd taken with them over the past year.

Somehow they managed to make an exception. If you make a complaint, and speak to the Customer Services you might have a similar result.


The only way to get your money back might be through your travel insurance - cause I can't see a way to get it off the airline either.



You have a chance with Easyjet, from my experience - Good job you weren't flying with Ryanair - cos they'll just tell you to Feck Off! Have I spelt that right?:-)

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Sorry, should have said, we just made it to the gate. My beef was that we'd paid to be in the Priority and they changed departure gates.

Dragging a tot, and hand luggage et al, we couldn't run as fast as everyone else - so by the time we'd traversed the Airport, they'd practically boarded the plane.





come one, Fly Ryanair! You know it makes sense! :wink:

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