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    • Send a similar SAR to Parcel2Go
    • But my consumption now seems to agree with the one that doesn't have any number. I stopped using any gas and remained fairly constant
    • Doesn't help that there are different plans in the devolved assemblies. under muppet Drakeford, I can go out to work in an English hot spot, but not visit a relative in the next county, under Drakefords Fire Break, the shopping list is depleted, kettle breaks, can't buy a new one, need a book to read? Non essential iss verboten, stationary as in pens pencils paper, Non Essential, veroboten can't even buy stationary for office or home office use, Office or home workers computer broke, tough Non Essential, printer ink, Non Essential, babies bottles and bedding Non Essential.   He is allegedly going to try to ban online sales, and downloads.
    • Ok thanks I'll do both these things.    Yep there's an opportunity to access the lists of prohibited and non compensated items.    I hadn't noticed this at the time of purchase as its so small and in the corner.
    • Ignore the numbers obviously whomever wrote them doesnt have a clue!!
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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.
       
      • 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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I'm not sure if there's a more appropriate forum for this. Please move if there is.

 

I, with the help of some friends, have just set up a small group. I asked if we were going to charge people (this would be for things like buying a printer, paper, ink, etc) and someone said that it would be too complicated to keep accounts.

 

But is it? Or am I being too naive and it's not just a case of having tables with incoming money, outgoing money and stating where the money has come from and where it's gone to?

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Keeping accounts can just be a case of showing income and expenditure, but what about things like receipts, tax, will anyone be making any money? Could it affect benefits? How much will people be charged and what for? Will you need invoices? Do you want it to have charitable status in which case there is a lengthy process. What about VAT?

 

Maybe HMRC website might be a starting place to check out the implications of charging? Will you be able to self assess or will your accounts need to be audited?

 

These things certainly need checking out before you do anything.

 

Link to HMRC. http://www.hmrc.gov.uk/charities-donors/

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IMO even if it is a small group as you say and if you consider asking a fee so the group can purchase printer, paper, ink etc I would still make sure and account for all this.

 

You need to consider:

 

1. What if one of the small group has a falling out and start saying funds were miss used.

 

2. What if a member that paid a fee wanted to see where the monies were going.

 

3. Has the Group considered if they are having meetings of the Group in and individual Group Members house if they need additional insurance i.e. say one of the group went to use the toilet upstairs and fell down the stairs and decided to claim against that group member.

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I'm not sure if there's a more appropriate forum for this. Please move if there is.

 

I, with the help of some friends, have just set up a small group. I asked if we were going to charge people (this would be for things like buying a printer, paper, ink, etc) and someone said that it would be too complicated to keep accounts.

 

But is it? Or am I being too naive and it's not just a case of having tables with incoming money, outgoing money and stating where the money has come from and where it's gone to?

 

That really depends on the business you pick... If you think about it, certain types of industries require different types of information for your bookkeeping. The team you've put together may be better off asking a local bookkeeper for help! He/she can teach you the basics of keeping records and probably organize something that allows you to do it yourself after a while.

 

Any problems with your bookkeeping can be resolved by a financial auditor, should it ever come up. Hopefully you know your partners enough and can keep track of the cash flow to avoid any mishaps. :)

 

It might be too complicated for amateurs who don't know how... But it is certainly doable with the right tools (in this case, right people)!!

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I should point out that we're not a business as such. It's a small music group.

 

A small music group? You'd only need a basic bookkeeper as stated above for that, then. It'd be a good idea to have an easy format you can use that allows you to see how much money is going in and how much money is staying after expenses so you can have a clear picture of what your financial situation is like. Additionally, have a list close-by that details the pricing of anything you need for operating so you can allocate effectively (be sure to indicate which is more of a priority!).

 

After a year of this, it is also a good idea to find out just how much you averaged over the past 365 days! The longer you do this, the more and more of a trending pattern you can discover. Do you sell more during the month of May, or do you go into the negatives in the month of October? Things like this will help you generate a financial plan that allows you to prepare for unexpected dips and expenses and also allows you to discover what you can work on to improve.

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Simple account can be just as simple to keep.

 

If you buy a proper accounting record book, you are half way there. Record everything in and out and always in ink, never in pencil. If an error is made in an entry, don't obliterate the entry, but rule it through with a single line and do it again on the line below.

 

Use a duplicate receipt book for the petty cash and a duplicate receipt book for any sales/spending. Always get a receipt for spending even if it's just teabags.

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