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    • I have a problem, a serious one. On mid November 2023 my boiler (installed 10/21) failed and flagged up the code 29.10: blocked flue. The EB engineer came out and replaced the fan, said it was unusual, put it down to storms. On 16/12/23 the same thing happened. Another WB engineer came 18/12/23 and fixed it, but said it isn't the boiler, it is the flue, and that he would mend it this time under the guarantee but they would not do that again if it failed unless I got the installers to reinstal it. On 27/12 it failed again. 29.10. I did not call them because of their saying I would have to pay. I contacted the installers who responded, then stopped when they saw the WB report of 18/12. By February I had had no central heating or hot water since Christmas, so I posted a job for a heating engineer to give an opinion on the flue installation. He found the flue blocked with vegetation from the trees my neighbour planted near the wall, and which I have been desperate to get uprooted. He gave a report and photos, and agreed the flue needed reinstalling. I got nothing from the original installers, so I contacted the Gas Safe Register. They sent an inspector, who gave a full report and had the original installers down and they reinstalled the flue as instructed, and notified LA Building Regulations.   On Friday I received a certificate from the Gas Register saying the reinstallation of the flue had  been carried out by a registered heating engineer.  It was from the installers, and the certificate does say that it is 'not conclusive evidence' and they had notified the local authority Building Regulations on my behalf.  As I only received it Friday, I have not yet pursued it. On Thursday, as the installers said they had reinstalled and there was nothing wrong with the flue installation, and that the boiler was not working, I wrote to WB and asked them to come and repair the boiler.   During all this time I have been in contact with various people, including Citizens Advice.  I had hoped they would refer it to the Trading Standards because you cannot contact Trading Standards yourself.  I am hoping they will.  I have other serious issues to deal with.  I don't think elderly people are helped as much as they should be.   I had an email from them Friday - yesterday - demanding I deposit £200 with them before they come down to repair it. I told them I query that, and said I will consult on my consumer rights, sending copies of that to all concerned. This is their response: Thank you for your email. The £200.00 is reserved to ensure the work has been completed correctly – in the case where remedial work has been resolved, no charge will be taken. This is due to the amount of calls we have reattended in the past where remedial work has been said to have been completed but hasn’t been. If the issues detailed in the report from our previous visit have been issued, the money will not process and will simply go from reserved back to the customers account without ever leaving it. Under our Terms and Conditions: 6.1 Assignment and Subcontracting. We may at any time and without any notice to you assign, transfer, charge, subcontract or deal in any other manner with all or any of our rights or obligations under these Terms. You may only transfer your rights or your obligations under these Terms to another person with our prior written consent, which we will not unreasonably withhold or delay. Please refer to our website for full terms and conditions." Can they demand the money up front like this?   It is a week's state pension.  Would anyone give a whole week's pay for something which should be under guarantee?  I can copy and paste the various reports I have had from Worcester Bosch, including the one of 10/2021 when it was installed and failed 24 hours later.  The boiler worked until November 2023.  Also, I cannot understand the terms and conditions, because the boiler was given under the ECO3 scheme.  I have been on disability benefit - DLA - since 1992 and I don't remember signing anything with Worcester Bosch.  I am not sure if I am allowed to attach all the correspondence here.  It will take time, because the page keeps being unresponsive and I have to keep clicking 'wait'
    • for how many weeks/months/years have you been using it twice a week for...roughly?   she will have to request a new card, it wont be reissued or sent back to her if it was retained by the inspector.  
    • Liz Truss says Tories are part of a Blairite attempt to silence her. Reform UK leader Richard Tice said the Conservative Party is 'socialist' and suggested Rishi Sunak is not a 'real conservative'.   .. says the definitely NOT real Conservatives   Lets also hope that Starmer implements a clause where bringing the UK into disrepute, or breaching the requirements of ex UK PMs results in the permanent withdrawal of ALL UK taxpayer funding of them    
    • let 'em get on with it. they nor you have actually read what consequences under CONC mentioned in our SB letter mean under the law. dx  
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Argos letter


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Hi all again,

 

I sent argos a pro-rate offer letter on the 05/01/2015 for my sisters store card. the national debt line budget sheet said she should only offer token payments of 1 pound. So that's what I put in the offer.

 

Today Argos sends a letter, they acknowledge receipt of your letter and sorry to hear blar blar blar.... before we can make a situation on your account we need up to date medical evidence!

 

 

I can't see how they are aloud to ask, when a bank or DCA aren't even aloud to see payslips.

 

 

I will upload my pro-rate offer letter and there letter.

 

 

Would like some advice on what to do.

 

 

My Letter:

 

Date:05/01/2015

 

Dear Sir/Madam

 

Account number: 0000000000000

 

 

Since making the above agreement with you, my circumstances have changed. I cannot now afford to make the agreed monthly payments for the following reasons.

 

 

Since taking sick leave my monthly income has been significantly lowed, so I now solely rely on statutory sick pay for my income. I enclose a budget sheet which shows my total income from all sources, and my outgoings. As you can see I have only £1 per month left for my creditors.

 

 

 

The offers I have made to my creditors have been worked out on a pro-rata basis and I have written to all my creditors asking them to accept reduced payments.

 

 

 

In view of my circumstances please would you agree to accept a reduced offer of £1 per month. If interest or other charges are being added to the account I would be grateful if you would freeze these so that all payments made will reduce what I owe you. Should my circumstances improve I will contact you again.

 

 

 

I would be grateful if you would send an account-number and sort-code to make it easier to pay you.

 

 

I look forward to hearing from you.

 

 

 

Thanks

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

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I was thinking of sending the "Creditor Refusal of Pro-Rata Payments" from the library. But they haven't really refused, just asked for more information. Could anyone give any advice?

Andrew

 

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

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They have refused. By trying to demand info they arent entilted to. They only need a basic budget summary. They dont need medical evidence for a silly argos card. They must be joking when they said ANY info you give them, including personal medical details will be shared to lowlife DCA's.

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..

 

 

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Hi renegadeimp thanks for your reply,

 

So should I just send the refusal letter? or should I mention I don't want any data going anywhere?

 

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

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Yep. it's your data. Tell them to bog off and just send a simple budget summary. They have no need nor right to see anything else.

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

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Well this letter be ok?

 

Letter:

 

Argos Card Services

Thynne Street

Bolton

BL11 1AS

 

 

 

Date:21/01/2015

 

Account number: 00000000000

 

HRG Letter Ref: 00000

 

 

Dear Sir/Madam

 

I am in receipt of your letter dated 17/01/2015 concerning the above account.

 

I am sorry that you feel unable to accept the offer which I have made. I am under no obligation to share any of my medical documentation with you.

 

I also do not give my consent for you to share any of my data to third party debt collection agencies.

 

The majority of my other creditors have accepted the offers made to them and I have commenced payments. I simply cannot offer you anymore because I can only afford £2.00 per month between all my creditors, and it would be wrong to cease or reduce payments to my other creditors in favor of your company.

 

The offer made to you is on a pro-rata basis, as used by the county court, and would be a temporary measure whilst I get myself back on track.

 

In light of the other creditors agreeing to my repayment plan, I ask you one final time to reconsider my offer to repay £1.00 per month.

 

I would be happy to make the payments in line with the offer to your company, on a monthly basis commencing immediately.

 

 

I look forward to hearing from you as soon as possible.

 

 

 

Yours faithfully,

 

Sisters name printed

 

 

Would this be ok, or would i need to change anything?

 

Thanks

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

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Just on a side note, I know they have no rights to see any medical or even financial information, but you are trying to get reduced payments from this company.

 

I am in exactly the same situation as I've been off work for 4 months with a slipped disc. I had no problem enclosing a copy of my consultant appointment at the hospital and all 3 companies I approached instantly froze all interest and late payments. They also all reduced minimum payments to £1. If you have nothing to hide, sometimes it just makes it simplier to give them just enough infomation.

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The problem is that argos think they can avoid the DPA by saying they will share any and all info about you with DCA's . In my book, that statement alone is enough for me to tell them to sod off.

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

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The problem is that argos think they can avoid the DPA by saying they will share any and all info about you with DCA's . In my book, that statement alone is enough for me to tell them to sod off.

 

Good point IMP, I really missed that part of the letter.

 

On no account give these parasites anything.

Edited by havinastella
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  • 1 month later...

Hi all again,

 

My sister got a letter from Argos two days ago, It says they wont make a decision without seeing medical information.

 

It's also asking her to voluntarily add information about her health problem to her credit file.

 

Would like some advice on where to go from here.

 

Thanks

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

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"Consumer Credit Act 1974 allows you to voluntarily add information about your health to credit files held by the CRAs".

 

I am trying to find out if this statement is accurate. Not something I have heard of before, and you might need to ask them to point you to this within the Act ?

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5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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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Hi citizenB,

 

My sister doesn't feel comfortable doing that, do you think we should ask again for them to except the offer and tell them again there not getting any medical information?

 

Thanks

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

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Tell them to jog on and then say that you will forcibly pay them £1 a month inline with your I&E summary.

 

 

If its good enough for the courts, its more than good enough for a low rate catalogue shop.

 

Get their bank details and start repayments immediately to show that you are willing to pay and not evading payment as the muppets think you are.

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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Rather than sending them medical information, are you comfortable sending them some sort of proof that you are receiving statutory sick pay? I don't think they need to know the ins-and-outs of your medical condition but they might want some evidence of why your income has reduced.

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I am trying to find out if this statement is accurate. Not something I have heard of before, and you might need to ask them to point you to this within the Act ?

 

Opinion is that they have said this is voluntary, although I can still find nothing within the CCA as per their statement. So definitely don't even consider this.

 

Rather than sending them medical information, are you comfortable sending them some sort of proof that you are receiving statutory sick pay? I don't think they need to know the ins-and-outs of your medical condition but they might want some evidence of why your income has reduced.

 

 

Agree with steampowered - you are asking them for some forbearance, so you should at least provide some evidence that statutory sick pay is being paid.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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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It's a bit of a convoluted reference to CCA s.159 and ICO guidance issued to the CRA's, in effect yes you can include health issues within a notice of correction... personally I can't imagine why anyone would want that information published but each to their own.

 

HRG isn't particularly good at handling matters, it tends to rely on template responses, its staff having little or no understanding of debt recovery guidance. If you receive any correspondence [begging letters] from FRS in the meantime try to bear in mind that its a group child company of HRG Cards, operating out of the same office as HRG customer services, using the same operating system and with all staff under the employ of HRG.......[FRS being a dormant shell].

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Would a payslip be good enough for proof?

 

Thanks

Andrew

 

That would be giving other information to them, such as your employer details - NI number etc.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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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Are you willing to pay the £10 or whatever your doc will charge for the note?

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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I don't think my sister would want to do that, didn't think of the cost. Is there anything we can send them or should we just ask them to except are offer again?

 

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

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I'd just send a budget summary, tell them what their are getting and start repayments.

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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