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    • https://www.consumeractiongroup.co.uk/topic/408156-cabotnolans-spc-claim-old-next-cat-debtclaim-dismissed/page/4/#comments https://www.consumeractiongroup.co.uk/topic/404240-arrowshoos-spc-old-newday-aqua-credit-card-debt-claim-dismissed-no-dn/page/4/#comments default notice win  https://www.consumeractiongroup.co.uk/topic/407490-meiii-cabotnolans-spc-claim-old-yorkshire-bank-loan-2nd-claim-dismissed/  
    • It follows a public backlash after stores were told they could not sell items such as clothes. View the full article
    • With regard to your question on post 207 if you bring in the points that I made on the validity of the contract they are supposed to have with Peel holdings then mention that there are already doubts about the validity of the contracts that are being used by the PPCs and the OPS is a classic example. Once you are on there you should then try and get your other point in after that.   if it is in connection with the extra charge of £60 remind the Judge that the charge has been defined by many Court across England that the charge is an abuse of process which was covered in PE v Beavis at point 198    " The charge has to be and is set at a level which enables managers to recover the costs of operating the scheme"  IE the £100 charge covers all their expenses so nothing should be added.   as their WS claims an extra £60 that could be judged as perjurious since it is an additional sum that should be known by VCS and the author of the WS as a double recovery. Especially as they have already lost in Court for the same reason.   Another cause to prove that they do not comply with their Code of Conduct. file:///C:/Users/User/Downloads/CamScanner%2008-05-2020%2016.34.59.pdf  Byelaws are statutory not arbitrary as their WS said on no .42 .   Best of Luck.   The above URL does not work but this one does http://forums.National Consumer Service.com/index.php?showtopic=133001    [20.1 is where  VCS  lost then 20.2 where they appealed and lost again . But read the whole thread as it may help you in other ways too.
    • Sian Williams from Indonesia takes us through her week during the coronavirus pandemic. View the full article
    • stop doing nolans job for them... there are numerous threads here in the same forum yours is in     no DN info to follow   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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I took the DLR from Limehouse to Crossharbour. I was going home after gym, it was pretty late and I thought I had dropped my Oyster card at the gym. A long story short I didn't tap in nor buy a ticket.

 

Anyway, I explained this to the ticket inspector and he issues me a penalty fare which is fair enough. When he asked for ID to confirm my address, I showed it to him but explained I hadn't lived at this address for 3 years (I haven't needed a car since I moved to London and haven't changed my address on my license). Like most of these [edit], he basically said it wasn't his problem I need to tell IRCAS about it. After a heated debate, I appealed my ticket.

 

Anyway, I was too concerned telling IRCAS what a [edit] the inspector was and not listening to anything I was saying that i didn't correct the wrong address he had filled in.

 

I hadn't heard anything back from IRCAS but I still tried paying my fine on time - I took a screenshot of the IRCAS site saying I can't pay the fine because it is being appealed. A week later still nothing. A week after that I get a call from my old address saying I've got a letter threatening prosecution.

 

I paid the £40, but I think it's unfair that IRCAS added £30 in admin charges for letters they were sending to this old address and the other £40 I've got to pay because the DLR inspector outright refused to take my correct details.

 

If I was just being a [edit] and decided not to pay them, then fair enough, those charges make sense. However, the details were taken down wrongly in the first place because TFL staff wouldn't take down the correct information. The additional charges are not necessary; it's just some process/policy made to punish people who waste the time of IRCAS etc. which in this case is the inspector, so they should either get rid of the charges or get him to pay it. Am I wrong?

Edited by honeybee13
Removing pejorative words.
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Hello again.

 

I'm sorry you haven't had any replies yet, it seems to have gone quiet for the long weekend. I expect the forum regulars will be along when they can. I'll try to fill in some details until they turn up, but I'm a forum observer rather than an expert.

 

The guys will confirm this or not later, but I think your problems may stem from not being able to prove where you live. If you could only show an old address, the RPI may have decided to take it because at least you had lived there at some point, rather than one you made up in an effort to get away.

 

I know they can ring for confirmation of identity and I believe it uses information like the electoral role. I can see that if he thought you were making up an address in order to avoid a fine, he wouldn't want to risk the rail people being unable to contact you. It seems slightly odd that there was no way to verify where you live.

 

And it could be that the tone of your letter about their inspector made them decide to withdraw the option of your paying a penalty and go directly go court. The guys here always recommend apologising [and meaning it] and I can't remember a case here when someone has told the company about the RPI's shortcomings and had a good response. It could be worth another letter with a different tone, because as I see it, IRCAS have the whip hand at the moment, but if you write in the same vein as before I think they may not back off. The guys will tell you when they get here.

 

You probably won't like what I've said either, but I've read enough threads here to understand aspects of how the system works.

 

My best, HB

Illegitimi non carborundum

 

 

 

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Thanks. I believe you only need to do that if you're actually driving... I plan to do

it soon anyway after this fiasco

 

it is a requirement to tell the DVLA immediately. You must have continued to use the licence as a form of Id. As the address was not changed you have admitted leaving the property 3 years ago I have to ask is it a family residence?

 

Honeybee is correct the Toc will not respond positively to a letter containing accusations, the prosecution team will look at facts to present and probability me a successful conviction.

 

If this is your first offence the prosecutor will consider a pleading letter with mitigating circumstances. This is dependant on the Toc as not all are willing to settle out of court.

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