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    • i am not aware of any refunds being issued retrospectivity for years when you could have attained free road tax but simply didn't.   you will however gain a refund of any road tax already paid this year backdated to the start of the month you submit now. don't forget you will need the certificate of entitlement number when applying now and keep that certificate safe as you will need it each year.
    • thats quite interesting, as they are giving you a greater int rate before 1993, i am unaware of anything special about that date concerning statutory int , but it means more money for you, so i wouldn't worry yes the spreadsheet is correct.   it runs till the day they settle.   have they actually given a fixed figure for the 15% period, if so, add that the the 'current' spreadsheet result and that should equal what they should be refunding.... does it match?   dx  
    • I was recently given an upgrading of mobility to enhanced estrangement to pay.I was not aware of had indeed been informed that over the last 3 years I should have only paid 50 % of normal rft any chance of a refund of the overpaid duty  Cheers
    • great so everything sort of matches now a meter with no flat number and one not for your number.   now simply write to EON. i doubt your usage will be that dissimilar to a like flat so you might even get a credit balance   dx  
    • threads merged.   going by your original thread the debt was sold around mar/apr 2017 so a default would have been registered by LLoyds upon sale when a debt is sold the name if the OC is replaced by that of the debt buyer   so everything to me sounds ok the defaulted date is of that time  and the whole account will vanish on the defaults 6th birthday.   what anyone put post that can't harm you further because they are not allowed to change a defaulted date subsequent calendar markers are irrelevant and can't hurt you file  further.
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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
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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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Hi everyone.

 

I was a bit stunned by a demand from Admiral Insurance this morning demanding a cancellation fee of 65.00.

 

I did not cancel, they did.

I wanted to add an item, as named item with a value of 4K to my contents policy.

It was accepted for about 14.00 but was referred to underwriter.

 

I then got a call telling me the underwriter would not cover the change, a new policy was offered @ over 340.00 compared to the 114.00 I had paid up front.

I refused this, said I would not insure the item and wait for the policy end, about 2 months.

 

I was then told that this was not acceptable, that I was being given 7 days notice of cancellation.

OK, nasty but I accepted it.

Took out a new policy direct with an insurance company (L&G) @ 184.00.

 

Now, a cancellation charge for THEM terminating the policy......

The small print does state "for any reason" but this was not me cancelling.

 

I find this scandallous & legal theft.... or is it legal?

 

I'm not paying it.

 

Any advice on how to deal with this?

 

Cheers

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Was the policy in total £114 or is that the amount you had paid on a monthly payment scheme ?

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So no outstanding premiums. Perhaps they can't read doh and poke the keys on the keyboard one at a time doh.

 

We know that all insurance companies rip us off then give us the sob story that half the claims are false or fraudulent, what a joke.

 

You can either ignore them and see what else they send or you can challenge them by sending a letter recorded asking for a complete breakdown of this fictitious charge. They wont answer that because they just plucked it out of the air.

 

Also as they cancelled it without reason, request the return of two months premiums, see how they respond.

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Thanks, I'm going to do that.

Big business treading all over us - again.

 

Thanks

Edited by honeybee13
Pejorative word removed.
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Dispute the cancellation charge and threaten to involve the FOS, if they want to continue to apply this. Admiral were a bit over the top in cancelling anyway. They should have said to you that they were not happy to continue the policy, if you did not want to cover the £4k item, but it was in the house, so affected the overall risk. If they had told you they would cancel giving 7 days notice for you to arrange cover elsewhere and they would not charge a cancellation fee, then that would be a reasonable way to act.

 

If you go to the FOS, Admiral will waive the cancellation fee, because the FOS would charge them a case fee.

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