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    • i will guess this is:   a debt buyer dca cannot register a default notice    if the original creditor registered a default notice then get a copy of that  staple it to a letter to PRA and demand the account is removed from your credit file forthwith or a serious complaint will be registered with the ICO and financial compensation will be sought.   give them 14 days 
    • Good Evening,    Please may I ask for some information re default markers on Credit Report ?    I had a CC with a Bank default around Jan 2014. Nothing was registered on my Credit Report The debt was later sold on a few times. Eventually to PRA in 2017 where it is unenforceable.   On my Clearscore report that I have recently downloaded it says “ In default PRA GRoup 5th April 2017”. when I click onto this it shows no markings on any month from 2014. so my question is can PRA register the default from 2017. I’m unsure if it drops off from The bank in 2014 or after PRA registered in 2017.    thanks for any advice you can give   
    • there you go all done i thought i could see you'ed left your reg number and their PCN number in your pictures.   there are quite a few threads here on this only allowed 30mins on certain esso forecourts total rubbish ofcourse  and none haver gone anywhere so far FWIW.   dx      
    • Highly likely providing you were the first private buyer to purchase the car with HP or conditional sale outstanding the solicitors will conclude that you have good title and act accordingly  As dx says let consumer law deal with this, keep the vehicle well hidden just in case but if you turn up at the sellers work and cause problems and the Police become involved  its highly likely you will be the one with big problems 
    • Seven years ago today this topic started 🤗
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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.
      • 3 replies
    • 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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I am about to enter into negotiations with my employers for my employment to end through a compromise agreement. I am just enquiring whether anyone can advise what I can expect to receive. I have worked for my employers for 10.5 years and I know that they will have to pay 10 weeks notice plus holidays accrued. I am just wondering what I can expect for compensation. The reason this has come about is that I have been off sick since August 2012 and am now in the process of claiming ESA and I dont know when I will be ready to return to work so the best thing is if we came to some agreement.


Any advice would be appreciated.

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Are you a member of a company pension scheme? If so what do they pay for ill health retiral?


Its tricky as your legal entitlement is probably notice plus accrued holiday - anything extra is a bonus.

Never assume anyone on the internet is who they say they are. Only rely on advice from insured professionals you have paid for!

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Hello everyone,


I have had an update regarding the compromise agreement. My employer is offering me 3 months salary plus pay in lieu and holidays accrued. Do you think this is a decent enough payout? I am not sure what to expect but I have been off sick since last August and have worked for my employer for 10.5 years.


Thank you for any advice given.



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what's your notice period?


did your employer contribute to your ill health in any way?

Never assume anyone on the internet is who they say they are. Only rely on advice from insured professionals you have paid for!

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Thank you so much for your replies. Emmzzi I have spoken to Acas and they say I am entitled to 10 weeks notice plus accrued holidays.


ericsbrother I presume the alternative would be for them to keep me employed and I would keep receiving ESA until I was eventually better. The problem being I have alot of health problems and I am not sure how long I am going to be off work.


Pusillanimous you mention that I would probably get 3 months pay anyway so really they are not giving me any incentive really - I was thinking they should pay me a little extra as I have worked really hard over the past 10 years including doing overtime when needed and not being paid for it as well as I was responsible for setting up a new office for them in another town. I didnt get paid extra for that even though I worked a couple of weekends and had my husband helping me as well.


I have never been in this situation before and I dont want to be greedy but I would like what I should be entitled to and not be ripped off.


Any advice would be appreciated.



Sandra :???::???:

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Emmzzi, sorry forgot to reply to your question. Yes my employers did contribute to my ill health. When they first employed me in 2002 I told them about my ill health (ie suffer from crohns disease) and they were fine about it. In 2003 they "employed" another boss and whenever I was off sick he would have me in and saying they cannot manage with me having time off regularly. Anyway over the years I have been in and out of the office defending myself and I have given them access to my medical records twice but they still kept on at me. So yes I think they did contribute because I was stressing about my job all the time and if ever I had been off sick I was dreading going back to work.

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SandraW68 Sit tight. Don't sign any CA you are not happy with. Perhaps a year's salary might be fair compensation (perhaps reduced by up to 35% for a speedy acceptance). From what you have said, I would submit a Disability discrimination grievance under the EQA clearly spelling out that they have contributed to your long-term ill health and that you are confident you would qualify under the Act. Mention what reasonable adjustments could have been made, but was not. (For example, phased returned to work; home working, etc.) Give a brief summary of what you have stated above, with dates. Chase up for a response after 14 days.


Make sure you submit an ET claim within three months of your grievance (?) (check what the deadlines are).

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I wouldn't sign either as you waive your right to an I'll health claim later. Would your gp think work stress was a contributory factor? Would they write a letter to that effect?

Never assume anyone on the internet is who they say they are. Only rely on advice from insured professionals you have paid for!

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