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    • thats not a credit agreement, it's a signed application form, it doesn't contain all the prescribed terms it should, and it also refs other T&C terms that are not included.   as for ever sending an SAR to a DCA, thats the same as sending a stupid AID letter, simply invites pointless letter tennis.   sit on your hands until/unless they send a letter of claim and a reply pack.   dx  
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    • Ok defence submitted. Mortimer have sent a letter back ackn my CPR request.   Weirdly Cabot got back to me ackn my CCA but have referenced the other claim for the current account instead. Didn't think you could CCA a current account claim? Fleecers must be getting their wires crossed 😂    I'll sit back and wait and keep on reading up!   As ever thank you kindly to Andy and 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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Lack of support from school - friends disabled child being bullied

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A friend has 7 year old twins. One of them is deaf and wears hearing aids. The children in his class are pulling them out and breaking them. He can't hear without them. She's spoken to his teacher who has said "we can't watch 35 children at the same."


His aids have been sent off to get fixed and he has nothing in the meantime. He will struggle in the meantime. He's not profoundly deaf and receives little / no help and won't receive help whilst the aids are being fixed.


The teacher replied that as children who are in year 2, (6 & 7 year olds) they should be taking responsibility for themselves.


School claim he doesn't have a problem as he lip reads. She's rung the school and is hoping to speak to the head later.


What are her options, please? He can't reach his full potential because the other children are pulling out his hearing aids, meaning he can't hear properly. I have told her to mention the Equalities Act - he can't reach his potential due to the lack of support.

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It seems to me to be unreasonable to suggest that 6 and 7 year olds should take responsiblity for themselves , particularly as the school has a duty of care when children are in attendance. I would write to the Headmaster outlining the problem and request written response. If this course of action fails you could take it up with the local Education Authority.


I have taken the following statement from Scottish policy, however I would imagine the same guidlines exist nationwide.


16 If a pupil is having a problem at school and the parent wishes to resolve it or if s/he wants to discuss or challenge a decision about her/his child's education, there may be a number of options. For example, in most cases it will be possible to solve the problem by informal talks with the school. In more complicated cases a parent may have to take further action, for example, contacting the education authority, or making a formal complaint. In these cases it may be advisable for a parent to seek advice and or support from a specialist organisation.


I hope this information is of assistance.

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I have a son with aspergers. He's now 16 but due to some bad teachers (two of whom were SENCO's) he had some really bad experiences with bullying. There was little I could do at the time, but now there is something called the Equality Act. It basically says that if a child is in a protected group (i.e. has a disability) the school has a responsibility to enable equal access to education. I would assume that would mean ensuring your friend's son's hearing aids aren't damaged in school. The 'he should be responsible for his hearing aids' excuse will just NOT wash nowadays. There is very clear protection for children with special needs now.., thank goodness.


My son is still in school and I recently contacted http://disabilityrightsuk.org/contact.htm. For the first time, I had found an organisation who knew their stuff and were able to advise in a useful way. They gave me very clear advice on where to get help and what my son's rights were. I hope this helps you.


BTW I found my son's school did not even know what the Equality Act was.., they're not a bad school, but very ignorant on what equal access means and the impact of special needs. I'm sure a lot of schools are like this.

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A good way to show them you mean business so to speak is do as advised and put your complaint in writing to the Head of the School concerned but also CC your letter to the Local Education Authority and send them a copy. That way you are showing the school that your letters also went to local authority so they will have to be very careful in how they deal with your complaint.

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I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

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