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    • I'm not too sure what to suggest other than to keep on trying during the day and try again tomorrow. I suppose that it is just possible that they have now filed an acknowledgement and that in some way it has overlapped with the end of the 14 day period – which apparently ended on Sunday. If you are not able to enter judgement by tomorrow, then I think you should phone the court. Keep on trying throughout the day.
    • As far as I understand it, your turbo failed and had to be replaced. That means that you have to pay for the turbo unit and also you have to pay for the costs of installing it. I understand that the first garage supplied you the turbo and therefore the cost of that is legitimate and cannot be claimed back. I understand that the turbo was installed incorrectly so that eventually the work had to be redone by a second garage and that you paid the installation fee to the second garage. In essence that means that you have paid the installation fee twice. Once to the first garage who did the job so badly that you then had to pay the fee again to the second garage who did the job correctly. This means that the payment to the first garage – is recoverable. The payment to the second garage, is not recoverable because the turbo failed and it had to be replaced. You say that you paid the first garage £2000. Find out the cost of the turbo – and deduct that from the £2000. So, if the turbo cost £200 – deducting that from the £2000 means that they have charge you £1800 for Labour. That means that you can recover the £1800 because it was wasted as they didn't do the job correctly and the job had to be done again. Is that clear and is it correct?
    • I'm more than enthusiastic. I'm also really angry with the garage. Just a bit hesitant as I've not done a claim before and it's something "I'll do tomorrow" as I actually have to think about what.im doing for once 😄   I'd be happy with just the money back for the repair, but did you say that I should also claim for the labour from the first garage?   Labour time from initial turbo fitting  Repair from new garage    Thanks
    • In terms of being a nuisance – it's never a problem if people meet us halfway in terms of enthusiasm and response times. Where we have to keep on chasing people – or else they are so slow about coming back that we then have to go back to the beginning of the thread to refresh our memories about the story, then that becomes time-consuming and an unnecessary nuisance. I'm still trying to understand what you think you're going to claim for – but yes I suggest that you post up a draft letter before action here before you send it.
    • £60 Abuse of Process at Paragraph 66  -68  of the  OPS case at Lewes County Court by DDJ harvey
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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.
       
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      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. 
       
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      • 3 replies
    • 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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HELP! HELP! Being driven mad by GE Money!


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About 4 years ago, we had some financial problems and GE Money tried to repossess our house. The matter went to Court and we got the Warrant suspended on payment of the monthly payment plus an amount off the arrears calculated by the Judge on the Norgren principle. Since then we have not missed a payment and the arrears are decreasing. At the end of October, GE Money started calling to say that there was no payment arrangement in place and they want the payment to be increased because the total debt was increasing because they had not declared the actuarial fee account in Court. The Judge had asked for full details in Court before passing his ruling and only the Mortgage amount and the Arrears were declared by their Solicitor. The Solicitor declared that was the total debt owed.

GE Money have 3 phone number for me, Home, Mobile and Business number and started calling all numbers up to 6 times a day. So far they have made over 1,100 calls I have reported them to the FSA and the OFT for harassment. The Information Commissioner's Office were useless as they only deal with cold-calling for sales. The FSA surprised me by taking the matter seriously and said that they had asked the OFT to prepare a full report for them with a view to taking action.

I have told GE countless times that there is a Court Order in place which is a legally binding agreement on both parties. They have now started adding £40 monthly charges to the account as they say there is no payment agreement in place.

Are they in financial difficulties as they seem desperate to wring a few more pounds a month out of me. They are certainly not making much if a lot of people have the same terms as us as our contracted rate is 2.19% over BoE bank rate.

Who can I approach to get the calling to stop?

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Get in touch with OFCOM. Provide as much proof as you can, in order to show these 1100 callsand the small timeframe they were sent in. They will come down extremely hard on GE money. You also need to get in touch with the court as they are clearly trying to make a mockery of the legal system. This is something the courts will DEFINITELY not like.

 

OFCOM can also hand out very VERY heavy fines.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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