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    • Every day and every week of delay is causing large numbers of deaths.   I just found this about Sir David King, ex-government scientific advisor and chair in Independent Sage. He thinks government inaction is tantamount to criminal.   https://www.lbc.co.uk/radio/presenters/eddie-mair/former-chief-scientific-adviser-government-criminal-mistake-covid/
    • Apologies HB. Thanks for moving.   Thanks Emmzzi, just what I was looking for. That helps a lot.
    • Please monitor this thread for a reply later today
    • Plans for the Mitsubishi SpaceJet have been frozen due to budget cuts amid the virus downturn. View the full article
    • your right to reject has not been affected. at the very least you now have moved into the 6 months period where under the Consumer Rights Act you are entitled to give a single opportunity to repair after which you are entitled to reject the vehicle. maybe it will be a good idea to provide them with a letter to make  clear your position and what will happen if the whole matter isn't completely sorted out.   If that appeals to you then you might like to draft a letter and post it here and we can have a look. I think it's a good idea to state your position clearly so that nobody is in any doubt.   in terms of your part exchange vehicle, if you reject your new car then they will be obliged to refund you the entire asking price of it. In other words they will be obliged to substitute a money value for your old vehicle.   it might be worth stating that as well in your letter for clarity. I would suggest that in the intervening time it would be worth making a list of all the losses that you have suffered as a result of this situation and then if it looks like a worthwhile figure then we can help you claim it back            
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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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Wonga seem to have forgotten about me


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I defaulted on a wonga loan over a year a go (427 days according to my account) but I haven't heard anything from them or a debt collector. I defaulted on other debts around the same time due to not having a job and I've been repaying them through the debt collectors they were assigned to. Should I make an attempt to repay it or just ignore it until my situation is better?

 

If I'm being honest I don't feel that bad about not paying it back :|

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Ignore it for now, and wait to see if anyone makes contact. Keep the money you want to use to repay it, set aside though. So when wonga ( not a dca) come calling, you can pay them the cash in one lump sum.

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Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Yeah I haven't had a job for very long so I'm trying to get some independence and can use my money for much better things right now. I can still setup a repayment plan via the site which would be about £50 a month I think but the last thing I want to do is give them my debit card details. When I'm in a far better position I'll happily pay it off in full because I want all my defaults settled.

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Set up a plan for what you can realistically afford, not what they say. Then when you decide to pay it, use standing order only. Dont give them your bank details.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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  • 1 month later...
Thanks for the advice! Worked out well in the end as they've wiped the debt.

 

What makes you say that?

 

What does credit file say

They may have sold it on to a debt collector

If i have helped in any way hit my star.

any advice given is based on experience and learnt from this site :-)

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Thanks for the advice! Worked out well in the end as they've wiped the debt.

 

Have they emailed and confirmed this ?

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PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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