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    • Hello,   My mother took an unregulated secured loan in 2001 for a total amount of £31,075 including PPI which we have tried claiming back but was sold through broker who now don’t exist.    When we requested SAR in Oct 2019 having added up payments made up to that point and including all payments sent up to sept 2020 she has paid £81,895.40 and still owes approx £40,000 (not an updated settlement figure)    unfortunately she did default a few times in the first 3 years of the loan agreement however has not defaulted since November 2004.     We frankly can not make head nor tail of the charges and subsequent interest added on the charges.    I am so desperate to make some headway and get some clarity on what to do for her.    PLEASE PLEASE CAN SOME HELP!!!!
    • Breaking: MPs have rejected a plan to extend free school meals into the school holidays by 322 votes to 261. The Labour motion, which was defeated by a majority of 61, would have extended provision of hot food for children until Easter 2021.   Boris Johnson had whipped Tory MPs to vote against the plan   happy to give £500 million to serco to fail to gather 250 spits samples a day but will see children go hungry Utterly unfit to be considered a human being.     https://www.independent.co.uk/news/uk/politics/free-school-meals-vote-marcus-rashford-boris-johnson-holidays-b1209118.html   From comments:: "Look at the size of Therese Coffey, Boris Johnson et al refusing food for hungry children. Dickensian or what? "
    • this one where you've posted swift advances under mortgage companies forum
    • Hello,   what forum should I put it under? 
    • read our threads here please... its called playing all your cards early and not waiting to see IF they ever issue a letter of claim then a court claim.   now they know what you'll be arguing against they are well prepared...   dx  
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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
      • 49 replies
    • 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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Housing benefit and council tax run on


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I have just set myself up in self employment having been on income support and then subsequently jsa for several year now as a single parent. I have just received a letter from DWP stating that I have not qualified for a run on! I was told that I would be entitled to this and a £250 back to work grant. I don't understand why I can't have it and am very worried now, can anyone help please?

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Hi, Can you appeal. I know the run will phase out at the end of this month. Have you been sanctioned at all during your JSA claim, as an interrupted claim can exclude you from the run on and back to work grant.

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No I haven't been sanctioned at all or had any break in benefit payments in all the while that I claimed, which is a lot longer than 26 weeks which I understood to be the criteria. I don't know what to do about it...Should I go to the job centre and ask them what to do?

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I would ring the office who sent the letter, and explain what you were told and can they explain why they have now made this decision. If its not an error then ask if you can appeal the decision. These are just my thoughts on it and what I would do in your position. Any benefits advisors may come on and be able to shed further light on it. I would ring first thing Monday and keep ringing until I got through.

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I have just set myself up in self employment having been on income support and then subsequently jsa for several year now as a single parent. I have just received a letter from DWP stating that I have not qualified for a run on! I was told that I would be entitled to this and a £250 back to work grant. I don't understand why I can't have it and am very worried now, can anyone help please?

 


 

This happen to me too got a letter saying I'm not getting it but I phoned up and asked why . If was a mistake and got the money 3 days later . Give them a ring on Monday

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O.K, thanks I will ring the number on the letter then. I really hate the fact that these sort of letters always seem to arrive on weekends when you can't do a thing about it except for worry. :-(

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