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    • Banning online sales doesn't seem to make much sense, BN. Things that might seem non-essential when you already have whatever it is can become essential when you've run out or it's broken.   How does the downloads thing work? I don't get that.
    • Please take a picture of it Also, you will have to ask your buyer to sign the statement as a statement of truth.
    • 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.
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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.
       
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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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I am having a problem with my insurance company and a claim. They are pointing to a clause that says that a particular item isn't covered for index linking and won't pay the value it was insured for because of this clause. I have discovered they have been increasing the insured value for it each year, is this not index linking?

 

So which is right, they pay me less for wear and tear or the index linked full value?

 

But should they have been doing this index linking for the item in the first place if their own clause states differently? They have been getting more insurance money as a result!

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All policies include a clause that some items will have a deduction for wear & tear in the event of a claim. This is usually clothing and linen. When you provide details of the age of the item, they will make a percentage deduction using their guidelines.

 

Your cover is per the Insurance contract you were issued with. If you are unhappy the policy booklet will contain details of the complaints procedure and that is what you should follow. Put a complaint in writing, asking for the basis of settlement to be reviewed. Give them any information which you think justifies a better settlement. Someone I know had a lot of designer clothing stolen and they managed to negotiate a better settlement.

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Thanks for the reply, will do that.

Should they have been increasing the value for the items?

 

They will index link the sum insured, as per the policy terms. It is up the policyholder to adjust the policy to the sums they think reflect the risk.

 

Are you saying that you specified an item. e.g Mink Fur Coat at £2000, which was then index linked ? If this is so, then you have cover for the amount shown as specified under the policy. If you did not specify an item, then the normal terms of the policy apply..

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Yes, they were specified and the insurance company increased their value each year but now saying that because of the type of items they were then they say the other clause applies instead

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Yes, they were specified and the insurance company increased their value each year but now saying that because of the type of items they were then they say the other clause applies instead

 

That is not my experience. If you specify an item at say £2k, you are paying the premium for that level of cover.

 

Suggest a complaint and advise them that you will involve the FOS if you have to, as you believe that a wrong decision has been made in regard to a specified level of cover for an item.

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