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    • merged them for you..   still puzzling why as BA says in that quoted thread i found... why nothing from the court previously..should have been lots of comms before a bailiff letter then a visit   and ofcourse the cheeky visit to ramp it up to now £310 fees.   hope the op rang today and can update us....
    • Do you mean that you have filed your court claim?   If so please can you post a copy of it here
    • 7. In March the WHO recommended all countries launch a Track and Trace app 8. Apple and Google developed one and made it freely available to any country. Dozens of countries use it without any issues 9. But the UK decided to build its own “world beating system” 10. Apple and Google said the UK’s approach was impossible 11. 300 app and technology experts condemned the UK plans 12. But the govt ignored that, put the wife of a Tory MP in charge and gave her £11m, almost 3x the average budget for any Track and Trace app worldwide 13. The UK app planned to collect your data, which could be sold to any private business for 20 years 14. The govt promised the App by mid-April 15. Then the govt promised it by Jun 1 16. Then the govt promised it by Sept 17. Then the govt promised it “for the winter” 18. Then it was revealed the govt had asked Apple for access to their proprietary code, to which Apple said no, because the app breached international privacy laws 19. Then the WHO said lock-down measures should not be relaxed until Track and Trace were in place 20. But the UK govt replied that manual track and trace would work fine 21. And then it was revealed the UK's manual track and trace service missed between 30% and 80% of contacts 22. After a trial of the App, a report showed it worked just 4% of the time on Apple devices and missed 25% of connections on Android 23. And then, finally, the govt announced it was abandoning its “world beating system” 24. Matt Hancock said he had long been aware of “technical blocks” in the UK app 25. Then Matt Hancock said we had long been working on both Apps, but didn’t explain why we only tested the one he "knew wouldn’t work" on the Isle of White 26. Matt Hancock said he would now create a “hybrid system”, and had spoken to Apple about it 27. Apple and Google said nobody had spoken to them, and it was still impossible 28. It was reported the UK app developers had tried to block rival apps, and called them “the enemy” 29. It was reported the scripts given to manual contract tracers didn't even match the app 30. MIT Technology Review described the UK’s contact tracing and app development as a "fiasco" and “a masterclass in mismanagement”       https://forums.digitalspy.com/discussion/2383363/theweekintory-keeping-tabs
    • As not english person I'm finding it really difficult to deal with all this. . I'm not even sure what SAR is and where to send it.  When I asked lloyds to start investigation about irresponsible lending (all done over the phone nearly 4 weeks ago) they've gave me ref number but didn't hear anything back. They've sent me a letter about overdraft that it has all fees and interest stopped and default will go on this account for 6 years and that the collection department will contact me.  How can I start an investigation about irresponsible landing the right way?  Please advise and thank you
    • Hi BankFodder,   Just a quick update:   Parcelhero have been in contact with me each day, they've been trying unsuccessfully to get hold of Hermes, so after a week we've moved to the claims process. The chap who's helped me through it has been good, so I've not had to ask any questions here etc.   I've submitted my claim, and I'll let you know what happens as a result of that.   Wanted to extend a thanks your way once again, the conversation put me at considerable ease.    
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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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Had a cycle penalty from 2011, sent a £30 cheque which was sent back with a blank letterhead from HMCS. Then went to court, but couldn't attend and requested more time. Had correspondence with HMCS till March 2012. Was out of the country end of last year then at Christmas, had a call from Marston Baiiffs asking for money. Sent a form back to HMCS but have not heard back. Last week Monday, had a bailiff knock the door at 6am demanding £575. Asked till Friday to resolve.


Then had death in the family on the same day and asked for one week extension which the bailiff agreed to. Was waiting for the court to come back to me or I would have called the bailiff to try and make an arrangement. This morning found my car had been clamped. Won't remove clamp without £575 payment. What can I do?

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Contact the court concerned to find out what is going on and see if they can get the bailiff to stop action. Or pay the bailiff and sort it out afterwards.

We could do with some help from you.



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