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    • I dont see anything significant for the UK in the Japan deal at all Some extra access for financial institutions ... maybe ... in a few years   but other than that there seems to be little other than some gains for Japan in ability to use the proposed 'tax haven freeport sites (they dont have to be at ports) ' to 'virtually' ship parts through the UK into europe as cars - probably supported by tax payer funded allowances while paying naff all in UK taxes.
    • Hi thanks you. I feel all over the place at the minute. If I've been overpaid I'll happily pay it back. I'll explain my issues thank you. I'm dyslexic and I'm fine with written down information but processing spoken word i struggle should I explain that on the phone? Thank you for your help. I have thank you the only thing i receive is child tax credit 
    • and it would seem in Manchester that the Nightingale hospital is being used for NONE covid patients in a ridiculous (but clearly necessary due to lack of staffing) heinous over breakfast way
    • Hi.   Believe me, this isn't rambling.   Don't worry.   Usually, Compliance isn't nearly as scary as it sounds. The thing is to be honest and answer their questions to show you're trying to co-operate. If you explain the problem you're having with the proof that they want, I'd expect them to be understanding.   People here have done far worse than you have and have just made arrangements for what they've been overpaid to be deducted in affordable  instalments from future benefits.   Have you checked on something like the turn2us benefits calculator that you're claiming everything you're entitled to?   HB
    • Hi, yes it’s Arc. Signed up in Oct 2019 for 1 year. Now being told I must pay till March as they stopped taking payments for 5 months. Before the Covid carry on I was there almost daily. I’m now being threatened with debt collectors because I’ve missed one £45 payment. Do I do what trading standards say and complain or just ignore everything? I’m raging at how unhelpful and unsympathetic the staff are. I’m determined not to give them any more money. 
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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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Old Job Centre documentation

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To destroy or not to destroy:


Is there any reason why I should keep hold of old job centre documentationnow that I have not needed to claim any support since October 2010? If were to gounemployed again would there be a need to go back to any history?

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On principle I always keep anything official for at least 6 years.


Whether I could actually find anything if it was needed is a different matter!


"If you want my parking space, please take my disability" Common car park sign in France.

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I wish I'd kept my records for more than 2 years. Threw away some stuff from 3 years ago and now am trying to prove that I disclosed savings from 3 years ago. No paperwork from that far back is making my situation very difficult.

Keeping it up to 6 years I reckon is a prudent choice.

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ok that's a shame. I was thinking about to throwing it on a fire and having great joy in doing so but what has been said I should keep hold of it for a bit longer :) thanks for the advice

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