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    • Then say that then...   and raise an irresponsible lending claim against them if you think its true, but i seriously doubt any lender even one as bad as kenny's would not have carried out extensive checks.   Now if they did then your alternative is to get an sar running and get reclaiming all their unlawful fees.   Plenty of threads here on kenny's and reclaiming.   Dx    
    • What is the name of the company you are dealing with? Why haven't you told us? If the other thread you have been looking at is the thread relating to Ideal Windows then you will see that we have been advising that the customers should give notice. It sounds very similar to your problem. You should give notice. You must inform them that time is of the essence and that given all of the delays you can only now give them seven days to agree to complete the installation job within 14 days (including the seven days). I'm afraid that courts won't normally accept a peremptory cancellation – even if the delays have been excessive. I'm afraid that by communicating with them and broadly by accepting the delays to a certain extent, you have been complicit in agreeing the delay. So now you have to take control and bring it to an end to but you have to do this with notice. I suggested that the work should be completed within 14 days – but how long should the installation take? The reason for giving them notice is that even though a date may have been fixed for completion, generally speaking reasonable delays are considered to be acceptable – and the courts are well aware that the installer may have incurred costs and should be given a reasonable time to complete the contract. Once you give notice that the contract will be treated as terminated because the delays are becoming not acceptable – then you generally speaking satisfy the requirements of the court that you have treated the installer fairly.
    • HSBC’s results show estimated credit losses across its UK bank were just $160m in Q3, reflecting a huge drop from $1.5bn in Q2 View the full article
    • The only thing Is I cant get the stuff they want by then. They said they might stop my childcare which I rely on. Thats whats worrying me x That and I hate talking on the phone I really struggle with it.
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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,

 

I thought I would give you some feedback on a 'newbie' perspective of the website.

 

Firstly there is confusing information on the welcome post, the youtube video says explain your problem etc whilst the welcome screen says dont, so you end up saying hi then being asked to tell a bit more...two posts instead of one.

 

Then your thread is moved and unless I am incredibly thick, its really hard to navigate and find it, my thread was moved and although its been seen by around 300 people not a single word of advice...I only asked if you have to fill in expenditure forms?

 

The concept is great bit its really easy to be overwhelmed as a newbie and lost in the multitide of information.

 

Thanks

 

Mick

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  • 2 months later...
Agree with you completely. It’s difficult to navigate around this website.

 

How so?

 

There is a bar menu at the top with navigation to the main areas.

 

If yuo click on the "Main Forum" button then all of the various forums are displayed for you and all you have to do is select the one you are interested in.

If I have helped you please leave me a message by clicking my star

 

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  • 4 weeks later...

It can be difficult especially if you are on the mobile site. There seems no way to change it to the full site.

The cage library seems to me to be difficult. Finding the right letter is more luck than judgement. Maybe a list of common letters would be good, cca request, sar, telephone harassment. doorstep collecting,communicate in writing only. They are ones i could think about for debts.

Any opinion I give is from personal experience .

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