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    • Thank you Slick132. I don't have in writing how long the actual works themselves would take but believe they said it was two weeks.   I spoke with CAB earlier today and they've said I can cancel this order as the company are already in breach of the terms, plus catching them out re the manufacturer's and the buildings regs she said to put in writing that I was cancelling and mention breach of consumer protection, unfair trading regulations and the fact that they are wilfully misleading me.   She said the credit card company will handle the refund as I hoped. I don't want them working for me in any way shape or form now.
    • Hi thanks for replying, The car was registered in 2009 ½, as I said a 59 plate. Mileage, when I got it it had circa 45K miles, it now has circa 72K miles. I have had it for 3 years almost to the month. I got it from a dealership in Loughborough, on the selling point that it was low mileage and was dealership serviced. Shortly after my return home to Southampton, I took it into my local dealership for a once over, part of which entailed one of their mechanics sitting with me while I drove around locally. I wanted them to take over looking after the car for me. Hope this helps?
    • just remember a DCA is NOT A BAILIFF and have ZERO   legal powers on any debt no matter what it's type.
    • Hi.   You've posted in the self-employment forum although as I understand it you can only be made redundant as an employee.   I've moved your thread to the Employment forum, people should be along to advise later.   HB
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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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Hi Guys

 

Basically, when my son was 16 I applied online through the carphone warehouse to get him a contract phone with orange. I filled out his info and then filled out my info in the direct debit section. I received an email to say that the application had been received and a day later that the application had been approved and the phone was on its way. My son was happily using the phone, the bills were addressed to him each month and the payment leaving my bank! Last week his phone was stolen, I rang orange and put a bar and blacklist on the phone. Next day I rang them back to request a replacement sim. I was then told that they could not deal with me because I was not the account holder, also they could not deal with my son as he was under 18 and should not have a mobile phone contract!!! I explained the application to them and apparently somewhere along the line his name was put as the account holder with my details.

 

Now I am stuck, orange will not deal with me or my son!! I have requested that the contract be nulled but they cannot do that because of the discrepancy! Help.

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Ok. first, tell orange you want the phone and sim reported stolen. This means that they must block the phone and sim from use. If they dont and the charges rack up, then orange will be in deep trouble.

 

Thats the first thing you need to do.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Strange as he shouldn't have the account in his name!?

 

Has your son spoken to Orange to give them his permission for you to deal with his account?

Still on the lookout for buried treasure!

 

Any advice I give here is based on my own experiences throughout my life, career and training and should not be taken as accurate. If in doubt, speak to someone more qualified - a Solicitor, Citizens Advice to name but two possible avenues!

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From the OP's info, Orange is refusing to have anything to do with either of them.

 

However, what the OP could do is counter that. If Orange wont have anything to do with either of them, then neither of them can be held liable for any charges remaining on the account. To ask one of them to pay the outstanding bill would mean that Orange would need to hold one of them liable, and therefore that person has the right to speak to orange about the phone/contract :D

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Nah. No refund. But since ORange doesnt recognise either of them as an authorised party to the contract, then both cant be held liable. It contradicts what Orange are saying otherwise. The op could write a full complaint to Orange detailing exactly what has happened, and what they want achieved by way of a resolution.

 

But the OP needs to stay off the phone to them, and start to get everything in writing. With things like this, having a good correspondence trail is the best thing you can have.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Hi Guys

 

Basically, when my son was 16 I applied online through the carphone warehouse to get him a contract phone with orange. I filled out his info and then filled out my info in the direct debit section. I received an email to say that the application had been received and a day later that the application had been approved and the phone was on its way. My son was happily using the phone, the bills were addressed to him each month and the payment leaving my bank! Last week his phone was stolen, I rang orange and put a bar and blacklist on the phone. Next day I rang them back to request a replacement sim. I was then told that they could not deal with me because I was not the account holder, also they could not deal with my son as he was under 18 and should not have a mobile phone contract!!! I explained the application to them and apparently somewhere along the line his name was put as the account holder with my details.

 

Now I am stuck, orange will not deal with me or my son!! I have requested that the contract be nulled but they cannot do that because of the discrepancy! Help.

 

Send them a copy of his birth certificate and ask that they cancel the contract, as long as you can prove he is a minor they can't hold him to the contract as it is not legally enforcable.

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It's Orange in the wrong here as they never should have contracted with a minor. It demonstrates an inadequate credit check process that I'm confident the ombudsman would be interested in.

 

Before anything cancel any direct debits. They can't legally mark you or your son's credit rating so you shouldn't pay anything further until you have a resolution.

 

They won't be able to keep the phone contract in your son's name but they should be agreeable to transfer it into your name (or they will lose out in the long run). Obviously only agree to do so if they promise a replacement sim and phone free of charge. Get this promise in writing.

Failing that I would demand that the contract is cancelled immediately without any penalty, as your son was ineligible to enter into contract.

 

Write to Orange instead of phoning them (I usually email followed by registered post) and outline all the facts (including a police report for the theft). Tell them that you want the contract transferred into your name or the contract cancelled, and tell them if they do not agree to your proposed resolution that they should issue you with a letter of deadlock.

 

If they still refuse to help, post their response here (redacted) or contact the Ombudsman.

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You also need to inform orange that you are cancelling a DD, otherwise they can just set it up again themselves.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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I would be very careful in cancelling the DD's as it's obvious that Orange's customer service isn't exactly customer focussed and would probably not give a thought to trashing credit files for non-payment!

 

Certainly keeping everything in writing from now on with the above suggestions!

Still on the lookout for buried treasure!

 

Any advice I give here is based on my own experiences throughout my life, career and training and should not be taken as accurate. If in doubt, speak to someone more qualified - a Solicitor, Citizens Advice to name but two possible avenues!

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