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    • Hello, I had a phone call saying it was an interview about my childcare costs sating back to april 2019! I knew nothing about this interview so they have rearranged for this Thursday. I'm really worrying about what it means? Why are they doing an interview and what sort of things do they ask in really really worried about what will happen. My anxiety has been through the roof please can anyone advise?
    • I understand that it is my job to change the mortgage to a better interest rate but what I am referring to is potentially being mis sold the mortgage in the first place. followed by being penalised and charged for moving to another lender. Thank you for your response though.    
    • As long as Evershed's are opposed to the dealer, then frankly it really doesn't matter if it goes on to the fast track because the dealer will lose. They were on a losing case anyway – but now that they are up against Evershed's it is pretty well a dead certainty and that means that they will pay the costs However, I agree – better to be on the small claims track
    • Good day all,  So, i filled my defence to the court after sending the CPR31.14 Request to the claimant.   The court responded early last week with a Notice of Proposed Allocation to the Small Claims Track, which the consider the case suitable. I was then advised to complete box C1 should i not deem the case fit for the Small Claim questionnaire (Form N180) and return to the court and the other party by 2nd of Nov,2020   Also, a letter came from the claimant towards the end of last week titled: 1)Right of access request relating to PCN.............   2) Old PCN notices 3) Letter before Action- Claim for Debt 4) How to pay 5) Information sheet 6) Reply form- 30 days grace to return filled form 7)Press summery- reference to old cases won 8)Claim form- Reference only   No reference was made whatsoever regarding the CPR31.14 request.    Your views, opinions and advise will be much appreciated as usual.   Thank you all! 
    • so you haven't then..   choice is yours then   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.
       
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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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HMRC have messed up my tax credits and taking their time sorting it


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This all started because I needed to inform HMRC my change of employment. I received a letter to say that my tax credits are to be stopped and I owed HMRC money of around £160. I phoned HMRC and they said to disregard the letter as it was a mistake and can't work out why I was sent it in the first place. It was also confirmed that my renewable pack had gone through and I am still due to receive tax credits but they can't do anything as my details were sent to the head office due to this error and in the mean time they can't contiune my claim.

 

Has anyone had a simular issue or had their tax credits stopped no fault of thier own? or does anyone know how long I have to get this cock up sorted?

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Now I have a letter saying I owe over £2000 for last year. How can this be I even earned less then I stated by £1k give or take a few hundred? I provided the correct information and they produced the results. All because I've changed my employement details I get this aggro. I've been nice and honest and I am rewarded with this rubbish.

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Ok phoned tax credits end of last week and now they admit it was a cock up by one of their colleagues but it's still not rectified. Does anyone know a way I can get this resolved some time soon?

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About the only thing I can suggest is writing a formal complaint, but don't hold your breath for how quickly it will get sorted. If you go on the HMRC website it will tell you how to complain, but make sure you do it in writing and clearly mark the letter 'complaint'.

 

However, when they do finally sort things out you might get £50 for the hassle.

 

Hopefully someone else will come along with a better idea.

RMW

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

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