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    • Hi.   Don't apologise, we're here to help.   Please bear with us and I'm sure the experts will be along to help you.   HB
    • yes you should be reading mostly any threads here or your own one again from post one. CAG is self help too..   as has been said at least twice now..await if/when they send a letter of claim from one of the many fake/tame paperwork only solicitors.   dx  
    • Did you pay the seller direct or amazon ?    https://pay.amazon.co.uk/help/201749690      
    • Hi,   I'm sorry to add to the deluge of gym issue that are already here but I was hoping for some advice on my situation.   I have had my gym membership payments frozen over lockdown, and when they reopened again in July I opted to continue to freeze mine for a further three months.  I'm not sure about others but I just don't have trust in the general populous (or rather the people I've seen use that gym) to do their share to keep things clean and Covid free (despite an email today telling me that they give me 'the strongest assurance' that it is being well cleaned - frankly, there is no reassurance they could give me I don't want to catch this life changing / life threatening virus).   So, they've told me I have to give 28 days notice - something I find very disagreeable given the climate.  I've even asked if they could just freeze my account for a further six months or so - in the hopes I'll feel safer at the end of that time.  I don't particularly want to quit the gym, I just don't want to spend a monthly fee on something I'm not going to use.  They unfortunately will not freeze.   I've seen people mention on here to just cancel the direct debit and ignore their threats of court action and it being passed on to a collection agency, and that they are in turn powerless and I won't be taken to court ('gyms won't take you to court' I've seen posted on here but it's easy to say, a lot harder to take the plunge and keep fobbing them off in the hopes they'll eventually go away).   I just wondered where I stand and what you would recommend as the best course of action.  It's not a massive sum of money, but with my partner losing their gig over the lockdown, every penny counts at the moment.   I'm quite infuriated about their stance of wanting to charge me a months notice, when they could just freeze and keep my continued membership after that freeze period (which should be worth more money to them in the long run).  I've been a member with them for years so to be treated like this is even further annoying.   Thanks in advance for any help, and I hope you are all keeping self and well,   Sam
    • I paid via Visa Debit card. What will i have to do get a chargeback....
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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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Many drivers won’t be ready when winter bites

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The Highways Agency is encouraging road users to spend a few minutes making sure they, and their vehicle, are fully prepared for severe weather.


You might think that most of their advice is blindingly obvious, but a survey showed that:


  • Many motorists (45%) don’t do any winter checks at all on their vehicle
  • Nearly two-thirds of drivers (63%) do not check their anti-freeze, oil or water before setting off on a winter journey
  • Less than half (41%) said they checked their lights were working before setting out.
  • Just over half (53%) of drivers don’t have warm clothes in their car in case of emergency.
  • Fewer than half (42%) of drivers carry de-icer in their vehicle.
  • Almost two-thirds (64%) don’t carry drinking water.
  • Only a third (33%) carry a warm drink, around the same number (32%) take food, and (37%) said they packed a blanket.

A few minutes of preparation could be a life saver.




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Same sort of checks I used to do when I was courting laugh.gif



Well maybe not the oil and water and anti-freeze, don't think I checked the lights either, definitely not the warm clothing or drinking water

Ah, a blanket, now that I always did.

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