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    • I had never done it and I was afraid. I have done it now. The meter is mine.
    • How younger is 'younger' and how many is 'many'?   I'm not sure of the numbers raw numbers themselves but look at cat 4 figure 5 which is deaths by age group relative to population. Obviously ignore influenza and pneumonia.   https://www.ons.gov.uk/peoplepopulationandcommunity/birthsdeathsandmarriages/deaths/bulletins/deathsduetocoronaviruscovid19comparedwithdeathsfrominfluenzaandpneumoniaenglandandwales/deathsoccurringbetween1januaryand31august2020   The category for deaths for under 65s is almost invisible.              
    • Impossible to know as it will take years to find out if the long term damage caused to survivors is life limiting and to what extent.  A young person who was near symptomless but has irreversible damage to heart or lungs is as much a victim of the virus.  The 18 year old who catches it now and dies at 40 because of a damaged heart loses 40 years.  
    • Well I think it is fairly straightforward. You simply have to emphasise that you followed their instructions at every step. It was they who arrange for the item to be picked up by Hermes. Hermes failed to collect it so that that was Amazon's failure, not yours. Amazon then acknowledged the failure and went on to give new instructions that you should make your own arrangements. You followed those instructions to the letter and in fact you chose Hermes which was Amazon's courier of choice anyway – so they couldn't possibly object to that choice – and so in fact by doing that you were acting on Amazon's behalf to return their defective product. It's very clear that you return the product because it was defective and not simply that you made your own personal decision not to buy it. I think that really says it all. I think that if you end up suing Amazon, then by and large those are the arguments that you would be making anyway. Having slept on this overnight, I feel more comfortable about your chances of success suing Amazon – although if it went to mediation and Amazon offered you a good deal, such as the full value of the laptop but without your costs – it might be something to consider. Particularly because I think morally it may be right for you to share an element of the blame for what has happened.
    • @cjcregg How many have died due to Covid-19 in different age groups ?   Yes it is true that those close to average life expectancy have died, but many younger people have also died during this pandemic.   Does Covid-19  really warrant the level of economic harm that has been inflicted ?   Was there a concern that Covid-19 might mutate into stronger strains causing hundreds of thousands to die prematurely?  If there was such a concern, perhaps Governments have taken a very cautious approach, as they have no real idea of how this pandemic will run its course. 
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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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Totally gobsmacked with Firstplus payments


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In November 2004 we took out a loan for £53300. We sold in February 2006 and repaid £48411. There was still an outstanding balance of £5773. We have been paying approximately £70 per month since then to pay off the balance. Adding up our all our credits to date shows we have paid a staggering £87887. That is Eighty seven thousand and eight hundred and eighty seven pounds! We still owe about £4400 to settle the account! On the outstanding balance alone we have paid £5168!

I wish there was some way we could get rid of this debt. The last payment is due in November 2019 6 years after we are on state pension! Surely some mis-selling going on because as pensioners how would be have been able to afford a repayment of nearly £600 per month?

Edited by Surfer01
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Nothing surprises me with Barclays First plus, there is the clue in the name, BARCLAYS, now with the LIBOR fixing [problem] this company is going to get hammered, keep your eyes peeled have a look on the First plus forum this is disgruntled First plus borrowers they are looking into legal action against Barclays for the fixing scheme.

 

I had a first plus loan, but after my marriage breakdown I just handed the keys back to the 1st chargee and walked, told First Plus they could whistle for there money, I have my BR money saved and have never been so well off in a way, I have paid my unsecured creditors who managed to supply a valid CCA and kept the account a small sum, ( not many could comply ) so from spending £1,130 on a house and £640 + outgoings on debt and working everyday God sent I am now down to a nice rent and £40 payment towards the few creditors who could comply. I have me two days off and my health is much improved. NEVER AGAIN WILL I GO INTO DEBT FOR ANYTHING. I am in my mid-fifties now and yes I was silly, took massive debt on mainly for my self employed business I had. I have been since 2012 such a happy bunny now, not rich at all but at least I have food money and utility money without having to rob some other. I push bike to work.

 

I would certainly take a long hard look at your contract and if it were me I would tell FP to jog on, but that is entirely up to you.

[sIGPIC][/sIGPIC]Happyhippy1959

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I would SAR them to see if they have added any late payment fees or other charges you could claim back

HTH (Hope This Helps) RDM2006

 

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I would SAR them to see if they have added any late payment fees or other charges you could claim back

There are 3 bounced DD charges amounting to about £75 but hey ho that is my money!

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