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    • Dear All,    Thank you so much for all your support. Neither of us were aware of using GDPR till  you put us right. We shall follow your advice and get back to you in a few days.   Warm regards BF
    • Thank you for the advice.    I have looked around for opinion on the lifetime of a copper cylinder. As usual with the Internet there are a wide range of opinion and experience. Ignoring those experiencing premature failures the general view is 15 to 20 years, certainly more than 10 years. The potable water in this area is does have some mineral content but it is relatively low. When I removed my own water cylinder after 25 years there was very little sign of scale, the cylinder was still showing no external sign of corrosion, but the copper had become thin and it proved easy to break. So I think 15 years should be a minimum, allowing for the 'fact' that 'current products have been value engineered' when compared with those of 30 years ago. (as has also happened with the reduced wall thickness of copper pipe)   My personal view is that the materials of construction were not fit for purpose, either through an inclusion in the copper sheet, or the forming of the copper sheet resulted in it being too thin where the immersion heater boss was attached, or probably a combination of both conditions.   Again my thanks for your help, I will discuss with my neighbor and let him determine.his next step.            
    • ok good  there is a things called Continuous Payment Authority (CPA) that how these payments are made to PP via your bank.   identify the dates and amounts of the payments ring Barclays up and tell them you have been scammed via PP don't go into too much detail, it's not required. and you wish the following CPA's refunded AND the CPA Now cancelled.   you also need to instruct them to NOT authorise any further payments to PP by WHATEVER method unless you give your express permission in WRITING to do so. RECORD THE CALL.   now expand a bit upon this scam please was it an ebay item or what please?  
    • thanks,   you mean we have to file defence next? im not sure what to put. Shall i browse others responses and copy and paste?    
    • UK mortgage lender Enra Specialist Finance has finalised its first securitisation with a £268m portfolio View the full article
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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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advice on picking a personal injury firm- in scotland

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looking to make a medium sized personal injury claim after an injury last year - which is still affecting me on a daily basis.


no idea what to look for in a lawyer/PI claims firm.


Specalist ? It was a fallen object on a construction site FWIW.



should i check my home insurance for personal injury claim cover, or will that result in higher premiums with no real benefit ?



Look forward to pointers ;-)

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Hello there.


You're probably aware that we can't recommend firms here.


It could be worth checking your household policy, but when I've seen this used for employment claims it's been a fixed amount around £1500 and they want you to use their lawyers.


You can find local firms through the Law Society website if you input the type of claim and where you are. You should be able to call them and see if they would help without being charged, and you may get an idea of whether you think you can work with them. Here's a link:




My best, HB

Illegitimi non carborundum




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