Jump to content
  • Tweets

  • Posts

  • Our picks

    • 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.
       
        • Thanks
      • 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!
        • Thanks
        • Like

Please note that this topic has not had any new posts for the last 2688 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hi-I hope I've found the right forum for my question which is onbehalf of my daughter.I am trying to help her in this matter but it is an area that I know nothing about.

 

My daughter is in receipt of benefits and is a mother of 2 young children.She has recently been a victim of domestic violence & her partener/ex partener is now in custody.

 

During the height of the violence,my daughter was moved into temporary acomodation (a B&B) for 10 days.This has completely messed her housing benefit up and the housing association are now demanding £300 in rent arrears for the 10 days she was absent.

 

Both the council who issue the rent allowance & the housing association are passing the buck,saying it is up to the other to sort it out.

 

Are there any bodies that I can ask to intervene?I am considering asking the Local Government Ombudsman for help regarding the council,I just wondered if there were any support groups out there or governing bodies for the housing associations?

 

Any help will be very much appreciated.

 

Mark

Link to post
Share on other sites

I think contacting the CEO of the HA, and elected council member would be a good option, as the problem was not of her making, might be worth a call to CAB and Shelter, as you can argue that she was effectively homelessduring the period the abuser was still at large. I will ask some housing professionals of my aquaintance what their take is, and also what would in their opinion be the best way to address this.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

 

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

Link to post
Share on other sites

Thanks BN for your response here and to my Pm.

 

I shall be making telephone calls along the lines that you suggest on Monday morning and intend to follow this up in writing.

Link to post
Share on other sites

Is your daughter getting any kind of support due to the abuse she's been subjected to, or a social worker? If so, they may be able to advise.

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

Link to post
Share on other sites
Is your daughter getting any kind of support due to the abuse she's been subjected to, or a social worker? If so, they may be able to advise.

 

Exactly so Caro, any social worker involved should be on board, and kicking the HA. Tenants welfare and wellbeing is a key responsibikity of a social housing provider, and to be frank, the attitude of this HA stinks, there are or should be arrangements to handle these situations to avoid an arrears scenario and other unwanted effects like a HA going for possession when the situation was domestic violence and the arrears were not of the tenants making; name and shame please Mark1960

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

 

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

Link to post
Share on other sites

Am I right in thinking that while on HB you have the right to up to none weeks absence from your accommodation? This is what the Council told me last year when I went abroad for a week.

"Ask not what your country can do for you, ask what you can do for Poundland"

Link to post
Share on other sites
Exactly so Caro, any social worker involved should be on board, and kicking the HA. Tenants welfare and wellbeing is a key responsibikity of a social housing provider, and to be frank, the attitude of this HA stinks, there are or should be arrangements to handle these situations to avoid an arrears scenario and other unwanted effects like a HA going for possession when the situation was domestic violence and the arrears were not of the tenants making; name and shame please Mark1960

 

I will be honest BN,the situation has continued for around 2-3 years.The abuser is the father of the 2 children and I have continually wanted the family to remain together-That said,it transpires that my daughter has hidden the scale of what has been going on from me.Social Services have been involved for some time and if i'm honest,I've been disappointed with the support or rather lack of it from them.

 

I do not understand fully how it all works but a brief outline of what took place is as follows:

 

The abuser had an injunction barring him from the property,he kicked the door open and attacked my daughter,punching & headbutting her.He brandished a kitchen knife to her and all of this was witnessed by their 2 year old child.My daughter went to the local council address (it is in Birmingham & there are several sub offices scattered around the city).There is an adjoining building that has welfare support and it was from there that they dealt with and arranged the temporary accommodation.My daughter stressed a concern that if she left,her housing benefit would be affected but the social worker (who was very kind and supportive) assured my daughter that this would not be the case.

 

I am concerned that the council are "trying it on" by not paying the benefit (I assume this is where the benefit originates) & that maybe the guilt lies with them rather than the HA?

 

I have emailed you the details of the HA but would prefer to keep it off the main board for the time being.If once the situation has been resolved,and there has been wome wrongdoing,I will be happy to share with the board all information and will indeed name & shame.

Link to post
Share on other sites

Are you sure the arrears are entirely for the 10 days in question? That would be £210 a week which is a lot for a HA property.

 

HB is paid by the council so if there are problems your daughter could always contact her local councillor.

 

If the HA are aware of the situation they should be reasonable if they know everything is being done to sort the arrears. If they aren't, write to the housing manager.

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

Link to post
Share on other sites

My daughter is in arrears but this an entirely separate and ongoing issue that is in hand.

 

The figure I quoted (it may be £280,not £300) relates entirely to the 10 days that my daughter spent away from the property & she only found out about it on Friday when she received a letter from the HA advising her of the figure.

Link to post
Share on other sites

Could this have come about because the HA/council usually only pay housing benefit for one property at a time therefore she's being charged for being resident in two places at the same time - that they don't want to pay out for both the permanent accommodation and the crisis housing for the same period of time. Alternatively, the reason for the high rate could be that they're trying to claim back the cost of the emergency accommodation which might be charged at a 'per night' rate?

 

Just musings on my part sorry I can't be of any more assistance.

 

Feebee_71

Link to post
Share on other sites
Could this have come about because the HA/council usually only pay housing benefit for one property at a time therefore she's being charged for being resident in two places at the same time - that they don't want to pay out for both the permanent accommodation and the crisis housing for the same period of time. Alternatively, the reason for the high rate could be that they're trying to claim back the cost of the emergency accommodation which might be charged at a 'per night' rate?

 

Just musings on my part sorry I can't be of any more assistance.

 

Feebee_71

 

 

That is an entirely possible scenario, however there would be other factors, as in was the tenancy joint, and was the benefit award to both as one unit? If so it would be reasonable to pursue the abusive partner for arrears, and allow the now single other party to remain in the property and process the benefit in their name, ad write off the arrears from "their" particular claim

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

 

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

Link to post
Share on other sites
My daughter is in arrears but this an entirely separate and ongoing issue that is in hand.

 

The figure I quoted (it may be £280,not £300) relates entirely to the 10 days that my daughter spent away from the property & she only found out about it on Friday when she received a letter from the HA advising her of the figure.

It is possiblefor a HA to charge "Matket Rent" in some circumstances and that can be £130 o week or more in some areas.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

 

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

Link to post
Share on other sites
It is possiblefor a HA to charge "Matket Rent" in some circumstances and that can be £130 o week or more in some areas.

 

True although quite unusual.

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

Link to post
Share on other sites

I have responded (or rather my daughter has) in detail and have asked for confirmation and a breakdown of how this overpayment has occurred.My feeling is that it is an issue for the HA & council to resolve between themselves instead of the easy option of charging my daughter.If she had been made aware (& she specificly checked) of any potential charges,she had several options of accommodation with friends and family to choose from

 

I will make sure to keep the board updated on any developments.

 

Thanks all for taking the time to give input.

Link to post
Share on other sites

Two years ago I had to go to a refuge for a few weeks. I left a council house. I was told that under those circumstances it was possible to have two lots of Housing Allowance paid. I had to fill in another housing allowance form for the borough I was in, explained that I had fled an abusive relationship and was scared to go back and everything was fine. Both lots of housing allowance was paid, no questions asked.

 

I suspect that your daughter hasn't been seeking the right advice. She needs to contact Domestic Violence Helpline or Women's Aid. They can assign her a support worker. Some councils have one stop shops where you can see a support worker from women's aid for advice and also housing and benefits people at the same time.

 

Social workers are, unfortunately, rarely experts in the practical issues facing a family in an abusive situation. They are also normally very overworked and are unable to put in the hours needed to research specialist issues and what to do about them. Its not right but I'm afraid it is reality. You need specialist advice.

Link to post
Share on other sites

Under regulations domestic violence cases have to be treated sympathetically. Your daughter can ask for benefit to be paid on the DV address as long as she has an intention to return. Benefit can then be paid for up to 52 weeks. I get the impression that your daughter has returned - am I right? In which case she should inform her council that she moved out due to DV and advise of the date she left and returned and ask for benefit to be paid on that basis. If she has not returned and some time in the next year decides to accept a tenancy elsewhere she must inform the council who will pay HB for a miximum of 4 weeks once she advises she has no intention to return. It may also be prudent to ask that she can be removed as the liable person for council tax - just to be on the safe side. If you arn't living there you can't be responsible for council tax - simple.

If my advice has been helpful tip the scales

 

West brom SETTLED

 

Halifax current SETTLED IN FULL

halifax curent (2nd) stayed. Visa - SETTLED

2nd visa LBA sent

halifax for the 3rd time. LBA sent

 

Egg - SETTLED GE Money - SETTLED Barclaycard SETTLED twice

 

Sainsbury's - Awaiting court date

 

Co-op cc SETTLED IN FULL 2nd claim. Settled in full

 

 

National Westminster Settled in full. 2nd claim. N1 submitted

 

 

HFC bank SETTLED. HFC 2nd claim - lba sent 21/10/08 Time Retail N1 filed Argos settled in full Creation - SETTLED IN FULL

 

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...