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    • Banning online sales doesn't seem to make much sense, BN. Things that might seem non-essential when you already have whatever it is can become essential when you've run out or it's broken.   How does the downloads thing work? I don't get that.
    • Please take a picture of it Also, you will have to ask your buyer to sign the statement as a statement of truth.
    • Send a similar SAR to Parcel2Go
    • But my consumption now seems to agree with the one that doesn't have any number. I stopped using any gas and remained fairly constant
    • Doesn't help that there are different plans in the devolved assemblies. under muppet Drakeford, I can go out to work in an English hot spot, but not visit a relative in the next county, under Drakefords Fire Break, the shopping list is depleted, kettle breaks, can't buy a new one, need a book to read? Non essential iss verboten, stationary as in pens pencils paper, Non Essential, veroboten can't even buy stationary for office or home office use, Office or home workers computer broke, tough Non Essential, printer ink, Non Essential, babies bottles and bedding Non Essential.   He is allegedly going to try to ban online sales, and downloads.
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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.
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      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.
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      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.
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      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
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I need advice regarding a DM15S form from DWP re my deceased uncle's estate

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I am the executor of my recently deceased uncle's esatate. He died without leaving a will and I am the only living blood relative. I applied for a grant of probate in order to be able to close bank accounts etc.

DWP have now written to me asking for details of all bank accounts etc and have warned me that, as he was receiving benefits, they may have overpaid and will look to claim back any such overpayments.

What powers do the DWP have if they start an investigation? Can they trace any/all bank or building society accounts by way of his name and NI no. which they obviously have?

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Any 'overpayments' will be taken out of his estate, IF there have been any, and IF he does have anything to give out of his estate, once all the

other vultures have had their pick.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!



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Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!



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Yeah thanks - I know! I'm really wanting to ascertain what the DWP can find out if they start an investigation.


They can find everything and access information from accounts.


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This might be useful for you.



I found a useful website that has this list.


The order in which debts should be paid


There is a legally laid down priority in which debts must be paid from an estate which is given below.


WARNING: If an organisation such as a bank has multiple assets, e.g. a current account, a savings account, a credit card and a loan, they can legally put all those accounts together to discover if there is an overall positive or negative balance. Therefore it will probably not be possible to use money from a savings acount with money in it to pay for a funeral, if there is an overall debt to the bank.

1. Secured creditors. They will recover what they are owed from the asset which secures the debt. Examples of a secured debt are a mortgage on a property or a loan for purchase of a car. If the asset against which the debt was secured does not cover the entire debt, the balance of the debt falls into the unsecured creditors category.

2. The funeral expenses. These should be reasonable and proportionate to the size of the estate. For example one cannot use £6000 of a £7000 estate on the funeral if there are also debts of several thousands of pounds. A gravestone or other permanent memorial is not considered to be part of the funeral expenses.

Family members who pay for a funeral from their own money may find it difficult to recover the money later if there are other creditors.

Please do not arrange a funeral if you do not know where the money to pay for it will come from. Call us for more information on what to do in this situation.

3. Testamentary expenses. These are the expenses you incur as part of the administration of the estate. You should keep a careful record of these and keep any receipts for petrol or train journeys, postage etc. You may also want to ask for proof of posting certificates at a Post Office which are free of charge.

4. Preferred debts and Preferential debts – these are very rare and will not apply in most cases. Wages due to employees are preferential debts and this may apply where the deceased received direct payments for employing carers.

5. Unsecured creditors e.g. debts to local and central government. utility bills, bank loans, credit and store card debts.

6. Interest due on unsecured loans.

7. Deferred debts – an example would be an informal loan between family members.

Legally, all the debts must be paid strictly in this order and all debts in 1 take priority over those in 2 and so on down the list.

Please note that all debts in a category must be paid before moving onto the next category. If there is insufficient money to completely clear the debts in one category money should be paid to each one in proportion to the money owed.


Taken from http://www.bereavementadvice.org/probate-and-other-legal-procedures/insolventestates.php

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