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    • o I rang on Tuesday and sorted a payment plan. I pay £60 a month for £12k..   I’m guessing they haven’t gone through the other years yet? It only seems to be 19/20, 20-21 and a debt from years ago like 2012 that has been added on to make the £12k.   it says on the letter that this payment if for this debt and any future debts will need a new payment plan.   Will they go back over the years soon?
    • So I rang on Tuesday and sorted a payment plan. I pay £60 a month for £12k..   I’m guessing they haven’t gone through the other years yet? It only seems to be 19/20, 20-21 and a debt from years ago like 2012 that has been added on to make the £12k.   it says on the letter that this payment if for this debt and any future debts will need a new payment plan.   Will they go back over the years soon?
    • Not going to happen so forget that.
    • Really its only been 6 years    Im pretty sure its safe to forget it now.   Andy
    • @Andyorchno I didn’t. It was actually my ex who sorted it. When  we split a year later he said he would carry on paying.  Next thing I know 3 years later they are threatening to take me to court and take the house leaving me and 5 kids homeless because he hadn’t been paying.   i gave them his details but because he never replied and was renting it was put all on me even though I never personally benefited from the money.   I will look into a SARS
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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.
       
      • 3 replies
    • 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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recently caught doing 38 in a 30 zone, having just come out of a 40. the 30 sign was at the side of the road facing the other side, rather than directly towards the oncoming driver so not very clear.

 

I cant find anything on the legislation pages which says how signs should be positioned, only the dimensions of the sign

 

any advice would be welcome.

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I would guess some nice person rotated it.

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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There should have been a 30 sign on both sides fo the road, facing the oncoming traffic. If the sign had been rotated away from you then get some photos of it like that before anyone corrects it and you may be able to appeal on the bassi of unclear signage.

 

Was there only one 30 sign displayed and not one on each side of the road?

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2 signs - facing each other though the earlier 40 sign is facing oncoming traffic

 

if we were to appeal but lose, could the court offer the speed course rather than the points?

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