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    • They've actually been behaving themselves for me, recently.  I'm re-signed with them on a variable tariff, meaning not tied in and can leave any time if they get up to their old tricks.  However something I noticed was that when accepting the tariff they actually showed in advance how they expected that annual total to be split into the 12 months.
    • Hi BankFodder, I will keep an eye out 🙂. . .
    • If you don't understand what you're saying then don't say it.   Yes recorded post is a good idea
    • Hi All   really need some help and advice.   i have a PayPal credit facility with a balance of £400. I owe £270 due this month. I am going to phone them and pay this and clear it as it’s a credit contract and I know they can enforce it.   however alongside that I have a negative PayPal balance of £5000 this is not through the PayPal credit. It shouldn’t have happened and I don’t plan to pay that, at least not now.   if I phone PayPal and pay the credit facility with my debit card will that be ok? Or will they use those details to try and get the money back for the 5k negative balance?   thanks for any help. Whilst I appreciate PayPal credit and the negative balance are separate with them being on 1 page on 1 account I wasn’t sure. 
    • Next says future lockdowns of non-essential stores would cost it millions of pounds before Christmas. View the full article
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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
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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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If a marketing ploy I can see it working - if the truth, it is downright scary !!

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It is a bit of both. Money week is an excellent money magazine which has always gone against the tide. They have been right on many accounts and I absolutely agree that either this year or beginning of the next one Britain will find itself with a massive financial problem.

 

They were among the very few that advised against investing in the property bubble back in 2006. I wish I had known them back them and invested in gold when I still made money. Pity!

 

But there's no point spending money and subscribing to added value newsletter when you can read most of their articles online for free like I do.

 

Ther owner is American super rich Bill Bonner and he has his blog called "The Daily Reckoning" which is also free.

"Ask not what your country can do for you, ask what you can do for Poundland"

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It is a bit of both. Money week is an excellent money magazine which has always gone against the tide. They have been right on many accounts and I absolutely agree that either this year or beginning of the next one Britain will find itself with a massive financial problem.

 

They were among the very few that advised against investing in the property bubble back in 2006. I wish I had known them back them and invested in gold when I still made money. Pity!

 

But there's no point spending money and subscribing to added value newsletter when you can read most of their articles online for free like I do.

 

Ther owner is American super rich Bill Bonner and he has his blog called "The Daily Reckoning" which is also free.

 

 

With more and more people out of work especially over the past 2 months sort of goes along with what they are saying as the government has to pay benefits to these people. If income is less than outgoings UK plc will go down the same route as Comet, HMV and many others. The government needs to stimulate the economy and the only way it can do it, is to reduce taxation. For example if tax was dropped on fuel by a considerable amount, people would have the extra in their pocket to spend. This may in turn lead to more consumer buying and generating the tax lost on fuel plus a there may be increased fuel sales anyway. With consumer buying again, it will create more jobs.

The other option is to do away with the minimum wage in order for us to compete with overseas competitors, but that may have other knock on effects however government is not paying benefits. A delicate balancing act where no government will be successful!

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Surfer01, it's more complicated than that. The Bank of England has been printing money like mad for the last 5 years, and this paper money is backed by nothing. We have almost no gold (Gordon Brown sold most of it in 1999) and this is not a country of natural resources (yes a bit of oil north of Scotland, but it's almost over).

 

The UK has the second worst private debt to GDP ratio in Europe (the worst is Ireland). All of this has been possible due to zero interest rates and AAA credit rating. Give it 3-6 months and we'll lose the triple AAA. Anything can happen afterwards. Moneyweek (and not only them) has been saying this since before the credit crisis.

"Ask not what your country can do for you, ask what you can do for Poundland"

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No wonder there's more personal survival programmes on TV now!:madgrin: Bear Grylls comes to mind!

 

I knew my Adventurers badge would come in handy one day:-D

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Its party true but largely scaremongering.

 

The UK wont fix its crisis by blaming the victims of the crisis, nor can it fix the economy by narrowing it while hpping it will expand.

 

I am out the UK/EU now. Money made in the UK is paid to a management company elsewhere in the EU - so the profit is now there. The tax is slightly higher, but I am more comfortable my tax now funds a true socialist system rather than a shower of clueless *******.

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Saw that. Some of the smaller prizes are going up, but the bigger prizes are being cut!

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