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    • Top paediatricians have written an open letter to government about children going hungry and supporting Marcus Rashford's campaign.   https://www.theguardian.com/society/2020/oct/24/open-letter-from-uk-paediatricians-about-free-school-meals
    • It's not worth appealing because ECP won't listen, unfortunately, plus you can give the impression that if they lean on you, you'll pay them money when you don't need to. The only time we normally advise writing to them is if you get a Letter Before Claim/Action.   Best to say nothing for now and if you do get a LBC, we'll help you to draft something. Have a read around some other parking threads and you'll get an idea of how these people operate.
    • Thank you. Is it worth replying to say why I was there and that I feel it’s a bit disproportionate?   had I known I’d have paid the original £1 but I was so worried about getting into a space without crashing!
    • I had never done it and I was afraid. I have done it now. The meter is mine.
    • How younger is 'younger' and how many is 'many'?   I'm not sure of the numbers raw numbers themselves but look at cat 4 figure 5 which is deaths by age group relative to population. Obviously ignore influenza and pneumonia.   https://www.ons.gov.uk/peoplepopulationandcommunity/birthsdeathsandmarriages/deaths/bulletins/deathsduetocoronaviruscovid19comparedwithdeathsfrominfluenzaandpneumoniaenglandandwales/deathsoccurringbetween1januaryand31august2020   The category for deaths for under 65s is almost invisible.              
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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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Having a bit of fun with the above who deal with my waste water.

They had been sending lovely red coloured bits of paper every month becasue I had missed one payment of £25, so by their account I was behind with my payments as per my "payment plan"?

 

Confusing as I have never had any such payment plan in place previously, as they have sent me the bill, and I have always set up a standing order to pay them over the year, monthly, no payment plan or agreement/contract has ever been signed by me or them?

 

So the latest letter is now another brightly coloured "Notification before default" informing me that if I do not pay or set up a payment plan by next month then they will mark my credit file with a default which will stay on for blah blah blah, and make obtaining credit yadda yadda yadda, yawn yawn!

 

They are demanding the full years bill, which is never going to happen, if they're lucky £15 a month at most, but my question is how can they mark a credit file without any such agreement contract being in place?

 

I'm not in the slightest bit bothered by this credit file lark, so they're threatening the wrong person, I'm just spoiling for a fight. :boxing:

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Hi Boo, yes they can report and most utility providers do so when 'problems' occur, as with most service contracts they don't report continuously.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Thanks Brig....

I'm going to set up a standing order anyhow, just wondering if it's worth having them account for the non existent contract?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Hello Boo, the contracts usually consist of a letter and a booklet, not much more as none of us has a bloody choice as to where we buy our water or who handles the stuff.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Yep, so it is just Implied rights?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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:madgrin:

Yep, so it is just Implied rights?

 

It would seem so, you had a bath/shower an a................ now pay for it:madgrin:

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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separate water supplier and wastewater/sewerage? There are laws regarding water supply and waste treatment that force each household to accept what they have forced upon them, that is why the water companies were snatched up on privatisation even though they should have been a boring prospect. We cannot avoid paying anything asked of us, regardless how ridiculous the amount or how it is arrived at.

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Yeah, I know, paid them a tenner yesterday, they can like it or lump it.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 9 months later...

I had wondered if I had raised this issue before?

 

Well it has raised it's murky head again! Southern Water willy waving and saying cough up now or we will report to the CRA's, six years bad credit blah blah blah, pay full amount now or we will blah blah blah.....

 

I'm just about to fire off an email asking them for a copy of my contract and reminding them that due to the unselected con-dem government and their war on the weakest poorest members of society, I am in a worse position now than I was 9 months ago when I set up payment of £10 a month, what they gonna do, wanna fight about it? :boxing:

 

They want the full £480 by the end of the month....:deadhorse: never going to happen!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Since they have taken your money per month and not resorted to court.

 

And since you have been paying it for a long time.

 

Are you not both bound in to an agreement by estoppel? They are bound to accept your payments and you are bound to continue paying them.

 

Assuming that you clear the "balance" every year (since you are currently paying 25% of what your bill is).

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I've no idea TBH...

 

Sent them an email yesterday telling them that my financial circumstances had deteriorated in light of the democide on the sick & disabled.

 

I am unable to pay the annual water bill of £380, hence why they agreed to me paying £10 a month.

 

Either way, I'm not overly concerned, I'm paying what I can, I've recommended they take me to court in light of their latest letter threatening DCA's and marking my already trashed credit file.

Quite why they believe threatening me with marking a credit report will have any bearing on me is futile and immature, I couldn't care less.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 11 months later...

Ha ha, I did wonder if I had started a thread on this, and it seems I have!

 

2013, the start of my battle with the DWP and today see the now annual SW threat letter through the door.

 

I have continued to pay them £11 a month since being stripped of all benefits, and with any luck having beaten the DWP should receive a hefty backpay, so will be able to increase payments to SW.

 

But their continued use of the stick approach riles me, and I might just let them carry out their threat of adding their name to my 'credit file' and adding their unenforceable £45 'charges', then I can play with their powerless DCA.....should be fun!

 

I am also concerned that as this is not a credit agreement, that they can issue their own take on a default notice, in that this letter, isn't laid out like a normal default notice, but it merely states ''if you do not take the required actions by the dd June then your account will be passed to a DCA and a default registered''.

 

Plus they haven't enclosed their 'leaflet' which gives me info on their debt assistance scheme...tut tut....

Might give them a ring and tell them I need to reduce my monthly agreement, see what they say.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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A number of water companies are now members of CAIS (Credit Account Information Sharing) allowing them to register a default for non payment of water services charges.

 

 

I my be wrong but I don't believe there is any specific legislation saying that only Consumer Credit Agreement data can be shared by the CRA's??

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