Jump to content
  • Tweets

  • Posts

    • Is this the Arndale?  On Google Maps it seems the only multi-storey in the area, and it's "managed" by ES Parking.  I see that there were recently three hours' free parking.  As dx says, that will be on the planning permission which immediately knocks the fleecers' claim out of the water.   Plus, love to see them pursue someone for driving who can't physically drive!
    • sorry here is the invoice back up, there were several 3.45Mb single page uploads that had exceeded the 4.8MB limit for upload     Dongara marine pty invoice.pdf
    • A great truth in that article HB, the test & trace is a shambles, and Wales bought into that system, when they culd have set up their own like the county of ceredigion did, that has kept it under control.  There is rising unrest and derision and much verbal tolchocking of Drakeford on social media. he also banned halloween, so expect a children's rebellion on October 31st, some are already saying they will dress up and go out regardless, don't think police would look good trying to fine some 10 11 and 12 year olds £1,000  for breaching lockdown, press would be all over it.
    • Good evening.  Just discovered this forum and would like to ask for some help.  I got defaulted credit card acount from Lloyds since Dec2016 and repaying £5 a month to Cabot Financial. (still owing £5085) Also got defaulted credit card from HSBC since Nov 2016 (owing £3889) repaying £5 to Moorcroft debt coll company plus defaulted overdraft HBSC acount since Aug 2017(owing £389) paying £5 a month to Moorcroft.  My situation worsen due to pandemic and my current Lloyds acount is overdrawn by £5000 and is now with Lloyds collection department. All fees and interest been frozen at the moment.  I opened another account so they can't collect any of my income at the moment (it's only Universal Credit at the moment which barely covers my priority bills).  May I ask for some advise what should I do if Lloyds will sell my new debt to debt collection company.?  Sorry for a chaotic letter but english is not my first language. Also I don't fully understand how the english law works so not sure what decisions are wise to make.  I can't find any solution to this situation and it causing me a lot of stress and can't see any light at the end of that tunnel. Me and my wife are trying to get out of this situation somehow but we are really struggling.  Any advise would be greatly appreciated.  E.     
    • They are bailiff s not debt collectors can you scan one of  the letters to pdf please read upload carefully 
  • Our picks

    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
      • 49 replies
    • 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.
        • Thanks
      • 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!
        • Thanks
        • Like

Please note that this topic has not had any new posts for the last 3042 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Sadly my mother passed away in December of last year. It was very sudden and very unexpected. For my birthday in the October before, she gave me a Peace lilly, I love plants.

After my mother passed, I didnt really take care of my plants very well, especially the peace lilly, in fact I didnt look after anything too well.

However, my plants carried on thriving, including my peace lilly and one day noticed that it had a bud struggling up out of the withered looking leaves. So I decided then that I should do something about it and gathered up all my plants, re potted them gave them all a new lease of life, hoping that they would survive.

Im happy to say they have, all of them are healthy looking plants now.


I was sitting here today, just thinking of my mum as I often do every day. My mum loved butterflies, she often included them in her poetry and had little ornaments and broaches of them around her home.

I looked over at the peace lilly and wondered how the new buds were coming along, I noticed that a strange white shape was poking up through the leaves so went to take a closer look.

To my surprise the struggling bud that I had first seen had taken on a very strange shape. As I turned the pot round I could see that the flower had taken on the shape of a white butterfly as you can see here;


A message from my mother perhaps that she is at peace? who knows, but I have to say that I have found this most comforting.


Just thought I would share this with you all and let you make up your own minds.

Perhaps some one may know why my lilly has taken on such a strange shape.

Link to post
Share on other sites

Thats really lovely,:-)

It reminds me of my mum as well, as I gave her a Peace Lily for her last birthday (which was also in October) she died a few months later, but 11 years later it is still flowering even though my father dosnt really do much with it. Its the only indoor flower he has as he is away so often.

Must be something about Peace Lilys.

Thank you for posting this

If I have been of any help, please click on my star and let me know, thank you.

Link to post
Share on other sites

Seanamarts, a butterfly or the butterfly symbol is a sure sign that a spirit, especially that of a loved one is around! As are birds, all different kinds of birds, but mostly Robins and Blackbirds.


You are so lucky to have this gift in the form of the plant your Mum bought you :hug:


It must have been a terrible shock and loss for you, but I believe they never leave us, I believe they live their afterlife parallel with ours, popping by now and again to let us know they're around.


Don't forget to look out for other signs, especially now it's coming up to a year - quite often our loved ones will "leave us to grieve", and once they know we're becoming stronger, we notice the signs.


What a lovely thread, I will share some of my experiences with you one day Seanamarts {{hug}}

Life is like an echo, it all returns......The good, the bad, the false, the true......So if you give life the best you have, the best will come back to you.

Link to post
Share on other sites

it is, when my grand-daughter first passed she kept giving us signs that she was alright but now it is not so much,I like to think she is busy helping all the other baby Angels that have passed over (btw) this is bob's other half!

If I owe you money, take a number and join the queue. If you owe me money pay up and shut up






Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.

  • Have we helped you ...?

  • Create New...