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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
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    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
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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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Universal Credit - Monthly


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Housing Associations depend on payment of rent to get funding to build new houses and get money for large capital expenses. Because (at the moment) rent receipts are guaranteed they get favourable interest rates. When UC come in their income will be at risk and they will lose finance and what they do get will cost more. I believe the figures will result in a 8% drop in the housing supply!

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Housing associations are also going to lose money due to the social sector size criteria (bedroom tax) from April as well. They will face huge loses and councils housing as well.

 

Ha and la's will be able to get direct payment under special circumstances the same as private tenants at the moment

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I've just had a thought. The reasoning behind making UC monthly could be twofold. They say it is to prepare people for the world of work, it could also be a snide kick in the teeth letting people know what sort of money they would get if there were any jobs

 

 

Not quite sure how giving a person a weeks money and expecting them to make it last a month prepares them for work, but i could imagine a months benefits would be about equal to a weeks pay when in work.

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Personally, I think that for JSA claimants, monthly pay is actually a good idea. When I was on JSA a couple of times, I know how hard it was lasting a month and a half from my last JSA payment to my first wage payment. Monthly JSA would have made the transition into work much easier. Anyone on JSA should be expecting to have to budget monthly once employed. But I do think there should be a proper transition for existing claimants. With regards to those on IS, ESA, child tax credits I have reservations over whether those who are vulnerable will get the help they need - I also think there's no point unless the person is ready to transition into work to pay them monthly. Maybe on ESA if someone is ready to consider work.

We hang the petty thieves and appoint the great ones to public office ~ Aesop

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Some families on benefits can get over £500 a week, if you're out working, the employer doesn't pay you according to your circumstances, you get paid your wages regardless of family size, disabilities etc. I don't get paid that for knocking my pan in and dealing with people who would take my head off, given half a chance.

scotgal 

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Some families on benefits can get over £500 a week, if you're out working, the employer doesn't pay you according to your circumstances, you get paid your wages regardless of family size, disabilities etc. I don't get paid that for knocking my pan in and dealing with people who would take my head off, given half a chance.

 

But if you're on a low income and work, you can claim benefits. I'm not sure I get your point here? You can't compare a single person circumstance to that of a family with children.

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What single person are you referring to? I was responding to another post about 'what sort of money they would get if there were jobs out there'

My point is there is a culture of not taking work because it pays better being on benefits, I'm not saying everyone subscribes to that culture but it is there. That is all.

scotgal 

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What single person are you referring to? I was responding to another post about 'what sort of money they would get if there were jobs out there'

My point is there is a culture of not taking work because it pays better being on benefits, I'm not saying everyone subscribes to that culture but it is there. That is all.

 

But that usually isn't about benefits being high, but about wages being too low and costs of things like travel being very high. We know that wages are too low because they need to be subsidised by benefits in order for people to be able to afford to live.

 

Or is someone supposed to take a job where they will be £100 a month worse off due to travel costs and other expenses?

We hang the petty thieves and appoint the great ones to public office ~ Aesop

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I understand what you're saying Estellyn, it's a difficult situation to get out of. I don't think benefits are too high either. It does cost money to work, I know and its a sore one x

scotgal 

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