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    • A couple days ago i started to receive emails from JD Williams all with orders i did not make totalling £450 , two orders with my address listed and another two with a womans name and address in lodnon ( im from wales ) , ,when i received the cofirmation order emails i logged into my account and everything was as it should be (no pending orders)  so thought it was a typical junk/scam email, when i received another order through my email it was bugging me so i used the same email as the username and a very old password and it logged me into a old account i never knew existed , this is the account the orders were made through.the items were already dispatched so it was to late to cancel , i contacted jdwilliams and they put a fraud marker on my account and told me to email jd willimams fraud team ( waiting for a response 4 days later)  i tracked the hermes delivery today and the items were left on the fraudsters doorstep with a picture taken from hermes for proof of delivery , im very worried  and dont know what to do , should i contact the police or wait for a response from the investigations team?     Any advice would be greatly appreciated   Thanks
    • I would deal with this the same as I deal with the Parking People.    1. Get stroppy - fight for your money back. 2. Tell the debt collectors - this is harassment - and charge them £196 every time they write to you. 3. Court action for the return of your funds.   Or write off what you've paid and accept the lesson on the chin - but maintain the issue with the debt collectors if they pursue.    These people are utter [Insert Your Own Words Here]   Richard (Nobby)    PS Oh and edit the post to put some space in the post if you can.     
    • Hello and thank you for the detailed answer.   I have checked that website. The MPRN matches with my bill and the gas supplier appears as EON. Then, out of curiosity I checked my neighbour supplier. I know that they have the electricity with EON based on their smart meter, but their gas supplier is British Gas. I do not know how frequent it is to have different suppliers. Either way, It seems like EON is supplying my flat (based on those numbers), but I still have doubts with regards to which one is my meter and whether I am right when thinking that I am using the wrong meter.   Any suggestions  from this point?       Hi! Thanks for the answer. I am afraid I will have to do it. I just want to be certain before going down that road. Additionally, how will they evaluate my consumption if there is no initial reading to estimate from?   Many thanks!!
    • Hi thanks for the reply and good point. Well after I run the HPI check, I read a lot and also came to know TAX is not transferable, so I went to the gov.uk web and paid the tax in full for the whole year. Since then, I tried to exhaust the web for any information related to this car and made a list of past owners (because I am not sure who holds the title with Moneybarn since Moneybarn will only declare a good faith title if I purchased the car from their customer). So in total there are 5 registered keepers/owners of the car  (incl. myself). From the service records I traced the first ever driver/owner, he said he returned the car to Mercedes, so it means he leased it and the car was registered with a lease/finance company. I could not get details from Keeper 2, but it seems he sold the car after 3 months. Keeper/owner-3 also no details but he sold the car after 12/13 months. Keeper/owner-4 is the seller I purchased the car from. Keeper/Owner-5 is myself.   I tried to trace more and more and used google tools as much as I could, and found out that the car was advertised on July 2020 and Aug-2020 by a car dealer in Sussex on Gumtree! And the car was sold by them on the 29 Aug 2020...so most likely it was sold to Keeper/Owner-4, from whom I purchased the car.   So I made a list of past owners and tried to identify who could hold the title with Moneybarn...after weighing in my assumptions and findings, I came to the conclusion that Keeper/Owner-4 may hold the title. And since the car was advertised by a car-dealer, then I assume they should have run an HPI check. Maybe, just maybe, Keeper/Owner-3 may have traded in his car at this dealer and the car dealer took the Mercedes in as p/x exchange.   So today, i will drive down to the car dealer in Sussex, and try to find out more. If Keeper/Owner holds the title, then I have a better chance to get a Good Faith title from Moneybarn. I never thought I would run into this nightmare but I am weighing down my options, if I have to loose the car, I will try to loose it royally and drive around EU before returning it in the most deplorable state I can.   But then again, if Keeper/Owner holds the title, and he does not default his payments to Moneybarn, can they still repossess the car?
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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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Credit Card payment - surcharge query


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I called Cunard today to pay the balance owing on my holiday. I intended to pay by VISA credit card but was informed that there woudl be a £90 fee! I know that there have been changes implemented this month regarding what can be charged, cna Cunard charge this? If not then I'll go back to them and challenge it

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they can charge you for the cost of accepting payments by credit card, which is no more than 3%. If £90 represents the card processing costs then it is OK. If it doesnt I would pay £100 deposit on a credit card and the balance by other means. you still get full protection that way without having to pay Cunard to accept your money. Many companies make thi charge as they know they will have to answer to the CC companies if they fail to provide the service paid for wheras with any other payment method they can argue, delay and offer vouchers rather than pay up unless forced to.

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No the deposit was a lot less than that just over £1k, they charged me £16 and a few pence for using the visa card. The balance is just over £6.5k, to pay this by visa they would charge £90.

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