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    • I agree that what you describe is not a "salary sacrifice".  It may be that your employer has heard of the term and mistakenly thought it applied here.   It seems to me that you and your colleagues (who weren't furloghed) simply agreed to be paid less because of the current Covid circumstances.   What do you actually mean by:  "... and full payment would be returned this December"?  What did you actually agree to?  You obviously think it means that in December you would get backdated arrears of the 20% you had previously foregone, but it could equally mean that they would just start paying your full salary again, and the 20% you weren't paid has gone forever.   (PS - I notice in a couple of other posts you mention: "... that it would be paid back in full in December this year..."  I'm afraid that is still not necessarily the same as your employer agreeing to pay arrears.  What is the exact wording of what you have agreed to?  Not what you think it says - what it actually says.)   Depending on (1) what your contract of employment says about your wage/salary and (2) what you actually agreed to in terms of a wage/salary reduction, then you are entitled to be paid whatever has been agreed.   But if your employer simply can't afford to pay you because of Covid etc, then they can't afford to pay you with money they don't have.   Are you in a union?
    • We've not heard anything from CCBC or LC Asset following initial acknowledgement of defence from CCBC on 23 Sept 2020 and now being beyond the 28 days notice we're wondering what's next. Presumably CCBC will dismiss or stay the claim?
    • Thank you so much again Andy. I will be donating as soon as able. 
    • I took my car to Nissan Canterbury have some work done (including tracking and wheel alignment).  They took it to a tyre garage for the alignment, and there they could not get the ignition key to work. Nissan had another key made that didn't work, then had the lock taken off and sent to a locksmith who said the insides had disintegrated.  They now want to charge me £350+ for the repair. I have never had so much as a wiggle with the ignition lock, but they say apparently it can just happen at any time and they are not responsible.  All I know is that I took a working car to them, and now it does not work. Any advice on my options?
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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.
      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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Hastings Direct/Smartmiles

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hi I am writing on here because I am at my wits end. Hastings have done nothing but pass me from pillar to post, the have even told me lies ,which can be proved as they have told me they record all phone calls, unless that is yet another lie, this will be my second post today ,my first was to watchdog, hopefully someone can help me sort this out,i will also be looking to see where else I can post my experience.my son had a head on collision on the 6 sept it is now 21 sept,I will not mention any names etc,only the relevant information, the liability is still under dispute, however the accident investigator is confident we can prove my son was 100 % not at fault, any way the car was classed a total loss within a week, so the nationwide courtesy car was taken back, but was replaced with a car from Albany assistance which he is still using. This is a bit muddled up sorry, Hastings were on the verge of accepting 50/50 until I explained the photographs in detail, also my son has the black box fitted which records data, speed braking etc. etc,so after some digging around and numerous phone calls the decided to send the investigater.he is the only person we have spoken to that is interested in getting the truth.in the mean time Hastings say they will take my sons excess of 640 plus any remainder premiums on the policy from the cheque, that will leave him with around 50 to buy another car, but its ok according to Hastings because his insurance wlll be paid up to renewal date, no good when you haven't got a car to insure. so top and bottom of it ,you are only insured until you have a total loss then its your future premiums that are insured, so Hastings get my sons excessively high excess and his remainder premiums totalling around 2240 all in. then they will be able to claim all that back from the third party, so its a win win situation for them, they basically get paid twice if you have a total loss, even if you're not at fault. oh also forgot to mention we received a letter increasing his premiums by 200 a month, when I checked this they said his mileage had increased from 5000 to 10,000 for the year ,he has only been driving 3 months and the smart miles policy allows you up to 15,000 per year. I disputed this they told me it was an error and the premium was ok and would remain the same, that was a fri ,I then actually got a phone call Mon saying they had made a mistake and the underwriters needed to see the last 2 mot certificates to prove mileage even though he's only had the car as long as his license 3 months, I argued the case then emailed them the mots, eventually the amended it again back to the original premiums. I did ask who the underwriters were as I was so angry they lied to me ,I was told by 1 person that Hastings are the underwriters (I have taken their names as well) the when I asked someone else on a separate phone call I was told it was advantage ,so another lie or really poor customer service either way totally unacceptable. There is more to write and I have more paperwork that is utterly disgracefull,i want to warn every one about their customer service ,hopefully watchdog will be in touch with me to help me sort this out, like I said there is a lot more im just so tired of being lied to and mislead, my phone bills are horrendous,gonna have to leave it at that its making me angry the whole mess, its not even my sons fault ,he is not part of their statistics young drivers, his smart box has recorded him ads an excellent driver..........

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please use the edit post icon in the bottom grey toolbar below your above post


to add blank lines and sentences.



please don't hit Quote...just type we know what we said earlier..


DCA's view debtors as suckers, marks and mugs


NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..


If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 



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Hi Dazegan1, Thank you for taking the time to post in such detail about the problems you and your son have been having during this claim. We would like to investigate this matter further for you and hopefully get this all resolved, can you please contact us directly and provide your policy details? help@hastingsdirect.com Many Thanks, Jamie

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Strictly speaking the excess is an uninsured loss. Its your son's contribution to the cost of the claim so its your son that will get this back if deemed not at fault. Some insurers waive it as a courtesy (usually in cases where liability is clear cut) but they won't do it on a disputed case.


The Nationwide courtesy car was provided by the garage (Nationwide) as a courtesy for the duration of the repairs. As the car is a total loss, it won't be getting repaired and therefore won't be staying at Nationwide, which is why they took their car back. The car from Albany Assistance is being provided to your son on a credit hire basis. Again strictly speaking your son is liable for the cost of the hire car (he will have signed an agreement saying that), but Albany will attempt to recover those costs from the other side.


Without seeing the insurance contract it seems the terms are that it is an annual policy, which is being paid off on a monthly basis, which is probably why they have deducted the remaining insurance from the settlement.


Going back to the claim, is liability as certain as you think it is? What actually happened in the accident?

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Reading between the lines (well into the single paragraph anyway), the car was fitted with a black box sensor. Getting confirmation that it was functioning correctly should be your first port of call.


Following that, copies of the results of the data that was recorded at the time, along with any independent witnesses.


Does the other side dispute what occurred or is it simply the insurance company taking liberties ?

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  • 1 year later...

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  • 9 months later...
  • 3 months later...

avoid avoid avoid


Horrific experience ,Only wish I had read the reviews before I paid my money.WORST AVAILABLE BLACK BOX POLICY EVER . CHOOSE A DIFFERENT COMPANY

This policy made my nerves bad , Made my daughter feel like she was on tag. Ruined the whole pleasure of being 18 enjoying the summer holidays with a new car. policy says no curfew however be out a minute past 10pm and you are penalised . constantly terrified that they will cancel your policy therefore making it impossible to ever get insured again Had to cancel the policy within 2 weeks and lose over £250 as box was fitted and go elsewhere . Choose direct line or churchill they only review the box data at end of policy no emails or cancellation threats . Smartmiles is not worth the stress of feeling like a criminal.


I am sure they make money from these calls they are not free 10p a minute 3 calls £12

I hope this review helps someone not lose and waste their money like I have

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