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    • Indeed, I will have a chat with the solicitor first. I took a drive to the car trader yesterday (24 Oct) who sold the car in Au-2020 and they confirmed they had it, and sold it in Aug-2020 (and I have all the proof e.g. Gumtree website, and their Facebook posts). They also said they run an HPI check, and that the seller took his own finance company instead what the car trader was offering. He also said no finance company can finance a car if it is already under finance, he said just let your solicitor deal with it.   Well, it's corona period, I am unemployed now, and I don't want to 'fork out money for a solicitor with the chance loosing the car, and the money I paid for it, and the cost to a solicitor (therefore I am doing as much as possible my own research to keep the cost low). Since public transport in the UK is quite expensive, and very very time consuming, I purchased the car in case I have interviews anywhere in England, and also drive back and forth to visit my fam in Holland (which will save me more money then using the public transport./air/etc.).   Well, that the seller says he feels threatened by me is beyond me, but then again he may get advise from cronies; what I do know, he is afraid as hell if I show up at his workplace. The car rental company sells cars too, so nothing stops me to contact the company and inquire if their employee sold a car on behalf of the company as he used company properties. This is more or less a tactic from my side to pressure him so that he tells what honestly is going on and get a paper of good faith signed. Well, for now, I will ask the solicitor to do all this. It's amazing how some people, with a good job, and maybe family, can pull stunts like this without shame or fear.
    • I think I have managed this after a few tries.  To make sure that I have the correct calculation,  is the 'interest at 8% Simple' in Row 20/Column K meant to be £86.95 for £12.15 or I have used the spreadsheet incorrectly?  Looking at their letter again, they state they have paid 'statutory rate of 8% from 1 April 1993 and at 15% before that'.  Their breakdown does not provide the difference in % from the dates mentioned above.  How would this be calculated?   Also is the statutory rate paid for the lifetime of the loan only or to the current date that they made their decision?  You have been so helpful in providing these spreadsheets.  Thank you.  
    • Correct bankfodder I am   Got a friendly mechanic coming to look at it some point next week he's said not to attempt to run engine until then   Sorry its been a long week of constant issues and brain fried completely    Will get complaint about service in first and mention that we may be looking further depending on mechanical report
    • 50K signatures on Petition against the ban https://petitions.senedd.wales/petitions/244282   There are two camps here, the save the NHS and the local control is best like Ceredigion with rates so low due to them implementing their own local Test trace isolate away from the English Dido/Serco mashup that Drakeford bought into for Wales as well, with such anomalies as aschool dinner lady in Bangor being offered a test in Inverness, a 900 mile round trip.  Second group blindly support Drakeford's ban even suggesting Online shopping for the non essential items should be banned, and mask wearing compulsory even in our own homes.
    • How tax avoidance left one man struggling with debt and with secrets. View the full article
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      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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    • 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.
       
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      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.
       
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      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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Sky Phone, Internet & TV Offer Fail


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Hi.

 

I signed up to sky in Dec 2014, and was offered a galaxy tab 4, which I received. On top of that, because I was referred, the referee was told that they, and I, would receive a £50 voucher (tesco, sainsburys or M&S).

 

Neither of us received them in mid Jan this year, so I called up on their behalf (as I was there), and enquired. They authenticated themselves with their personal details, and I confirmed what they wanted (the £50 tesco voucher) and confirmed what I wanted (the £50 sainsburys voucher).

 

A month later, they received their voucher as promised and I didn't. I called to enquire and was told that "this offer isn't available if you took another offer i.e. the galaxy tab".

 

I called up the customer response team, which promptly told me that I wouldn't be receiving it.

 

Part of me moving to sky from who I was, was this offer (and referee offer) in the first place.

 

They told me that you can't have two offers, just one.

 

My question is:

 

1) What can I do about this? I'm now stuck with a company which has horrible support, slow and iffy internet; which I was told is the "norm" by their own staff

2) Do I have grounds to leave them for another company based on the fact that they did the "bate and switch" on me when it came to offers?

 

Any advice would be helpful!

 

Cheers,

 

A

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A formal complaint may help explaining the deal you signed up to with the offers included persuaded you in choosing them over any other company

and you classed the offers as part of the deal which they have now breached by not providing.

Either provide the offers or cancel the contract due to their breach.

 

Personally:

I would Shop around and change provider if no luck with your formal complaint, Get new services installed and cancel Sky.

 

I'm in a similar situation, Ordered Sky through Quidco which stated a payment of £120 estimated in January 2015, that now keeps changing

to July then to April then to May and back to July.

I think Quidco change these dates to entice customers in and then change dates to correct payout dates.

 

George

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I've logged a complaint so waiting for the results.

 

I've shopped around and have my sights on another company with better monthly subs (virgin). ut I need to wait another 8 months before I can move away without being penalised.

 

What annoys me most is that the sales rep told me I'd get the fill 19Mbit broadband but only get a fraction of that. Despite calling up and trying to get it resolved, they start quoting "we promised to offer UP TO etc..."

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