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    • I suggest that you start again by sending them an SAR. However, I think that in the SAR, you should make it clear that although this is a fresh application, you note that you previously made an application dated XXX and that they failed to comply in that the disclosure they made was incomplete. You should remind them that this is a breach of statutory duty and that it may be subject to a complaint to the ICO or more serious action in court. Tell them that in respect of this fresh application, you want everything that they have about you on any matter and in any form. Use our template and modify accordingly. Do not send SAR requests where you specify precisely what you want. That limits it too much and it means that they may have other information which is relevant but they feel that they don't have to provide to you because you haven't specifically asked for it. You should leave your requests wide open so that they have no basis for any trickery interpretation
    • how do you pay your PP balance? have you a debit card registered on paypal? that then requests the sums from your bank   dx  
    • And like I said I didn’t pursue it because I just gave up. I wasn’t getting anywhere with it. I’m not clued up with all this. I just saved for a new car and started again.
    • No I just googled insurance lawyers.    I don’t know what you mean by put a copy? There is no copy. I asked for it over the phone     
    • What is it you would like to know I need someone who is in involved  with the legal system If anyone would like to phone me on my mobile  as it will take too long to write down all what has gone on over the last eight years fighting Rooftop Mortgages
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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
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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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I received a letter regarding a successful PPI claim from barclaycard.

 

It's for 197.67 PPI premiums and 612.61 interest which is inclusive of 8% interest after tax .

 

Now this debt has been bought by a Dca and is for approx 2400 which includes lots of charges .

 

Now barclaycard reckon they are sending me the money .

 

But I am going to claim back or try to claim unfair charges on this account

 

can I still do this .

 

They did once give me some charges refund of approx 300 which they refunded back into my account

 

I at no point wrote and accepted this they just did it .

 

So not sure if I can still claim the charges .

 

I thought the money would go straight to the Dca

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If the debt has been passed to a DCA then BC have sold it, they cannot offset any refund unless they buy the debt back.

 

I'm also trying to reclaim charges on an old credit card that BC now administer, had to do a SAR and could only find so many duff charges, over £12 as it was pre-2006 when the OFT made their ruling.

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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Well they paid the PPI refund into my account today .can I still claim the charges ?

 

Yes, why not. Have you got all the details of what you are claiming ? If you have all the statements, and know what was repaid previously, you should be able to fill in a spreadsheet and send it to them. If not you would have to do a SAR and get the old statements copied.

 

Be warned, they don't just roll over and cough up like they do with PPI. You would need to take them to court, they tend to settle before a hearing but won't even reply before that stage :-(

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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