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    • go back and read what andyorch said in my above links about a DEED of assignment NOT being a Notice Of Assignment. its a general document for a portfolio of MANY debts they bought on a spreadsheet, NOT specifically relating to YOUR Agreement. but your was like all others, a single line in a spreadsheet.    the sheriff has specifically asked for the NOA and the Default Notice ...neither of which the fleecers have provided, merly a load of ole twaddle like trump does to divert attention away from those NOT being provided.   forget the stuff about LOP 1925 etc that a NOE is NOT applicable in scotland , the sheriff has asked for it..end of!!   bedtime reading particularly regarding default notice sec 87 https://www.consumeractiongroup.co.uk/forum/showthread.php?484300-Cabot-nolans-SPC-Claim-Old-Next-CAT-Debt(2-Viewing)-nbsp&p=5119630#post5119630   read from about post 70.   as for the written submission. i'll find an example later.   dx      
    • Plevin is not a calculation. its a refund of commission they got as they had a backhander of greater than 50% of the PPI sum paid for selling it on behalf of the insurance company that underwrote the PPI policy.   you are after reclaiming the PPI itself. and that is what all our PPI stuff is geared too.   have you still a copy of what you originally sent though as you don't even KNOW what plevin was , how could you have ever have asked for it.!!   pers i'd write back. (you seriously need to stop talking on the phone!!) stating quite clearly that you REJECT totally their refund under the Plevin Rules. my Claim was to reclaim the PPI a paid, not for a refund of your hidden commission!!   i give your 14 days to refund inline with the enclosed spreadsheet , else i will raise a complaint without further notice to the FOS.   please reply in Writing Only.            
    • Kim Kyeong Yeon developed his virus-destroying machine after his child injured herself. View the full article
    • not interested in silly letter   the CCa return please   dx  
    • This is interesting as I was not aware that there was a difference in the PPI claims/calculations.    Long story: I asked for this PPI reclaim over 5 years ago.  The Woolwich loan was taken out when I had a Woolwich current account.  The banking sort code for Woolwich was deleted off the banking system when Barclays inherited it hence they could not find my current account let alone the loan.    They had told me that I had provide proof of the loan as they could not locate it.  I did the FCA deadline search and it still was not located.    As this was the last resort, I had to go into the loft and found it by chance.  They changed the new reference number from the search and attached it to the old past reference number as the complaint was still on their system.    Even speaking to them about their calculations and the one I got from the on-line calculators, no one can explain the difference, they just keep saying that they cannot speak to the PPI calculations team, they have to email them!    Also I thought the Plevin paragraph was standard information.  So this is where the mystery lies,   I can reject the Plevin calculation and ask for calculations based on my actual PPI sums paid,   would this then be in line with your calculator?
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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
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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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      • 3 replies
    • 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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Elite Real Turbo Muin Fluid Direct Drive Trainer. Any good?


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I've been itching to buy trainer the a long time.

I've had an exercise bike for a few years but I was getting fed up with it, partly because bits of it was time to wear out but also because it didn't really replicate cycling at all well.

I was looking for a trainer and although I really wanted something that is generally compatible and in the majority, I was put off by the noise tests of the Wahoo Kickr and most of the other more common trainers.

In the end, I saved up and settled for the Elite Real Muin because it was apparently so incredibly quiet.

I was also looking for a virtual trainer.

The Elite Real Muin arrived today.

Here are some initial thoughts: –

It’s well built

Looks fantastic

Extremely quiet

The instructions are rubbish

You can work it out without the instructions, eventually.

Here are my main criticisms: –

Firstly the software is extremely poor. It looks as if it was designed quite a few years ago. It’s clunky and frankly it’s badly behaved.

In particular, the Ant connection is extremely finicky. You have to use the supplied Elite dongle to get any kind of connection at all. This is fair enough of course but the connection is unreliable and constantly drops out. I don’t think this is a function of the dongle or of the trainer. I think it is a function of the software because when I tried the dongle with other software such as Veloreality and Zwift the dongle was recognised without any problem and without having to reset it. As soon as I went back to the Elite software, there were problems.

Looking at the Elite troubleshooting guide, there is so much time spent advising on Ant problems that it is clearly an issue. In fact looking around the Internet, I have noticed a number of people complaining about it.

I noticed that DCRainmaker has talked about Elite’s commitment to the Ant standard, but this is not strictly true because Elite user own private Ant standard. In fact Elite only use private Ant for their power signal. The Cadence signal is a standard protocol and for instance, Veloreality had no problem receiving it and using it.

Another nuisance about Elite’s implementation of Ant is that there seems to be no pairing. In other words the Elite software will automatically pair with whatever signal is being produced.

Nice and easy, you might think – but actually it’s just an added problem because if you already have a Garmin Ant sensor on your crank arm, the Elite software doesn’t know which signal to use and so it uses neither of them and simply stops working.

The only remedy for this is to remove your Garmin cadence sensor while you are using the trainer and then put it back when you have finished. Not a huge problem – but just a nuisance and once again points to a shabby and half-hearted implementation and lack of a customer facing approach from Elite.

Surely it would only take a small bit of programming to make the Elite software pair and recognise a particular signal – but they certainly haven’t done it yet.

Even when the software is receiving the Ant signal correctly, the stats are sometimes all over the place.

I had finished a short session and had dismounted from the bike, but there was still a substantial wattage showing and also a cadence rpm of 64 and this continued for several minutes.

The lag between cycling effort and what comes up on the screen makes it extremely difficult to ride virtually.

On another occasion, I started pedaling and produced something like 1800 W traveling at 647 km/h!

It’s not possible to know what is causing this but it might be glitches in the Ant signal. There were no such problems with the cadence readings In Veloreality or in Zwift and not only that, when I stopped pedaling, the cadence rate returned to 0 very quickly. With the Elite software, the cadence rate generally failed to return to 0 at all.

I sort of feel that a lot of these problems would be ironed out if Elite implemented a standard Ant + on its trainers.

I know that there are rumours that they are proposing to abandon private Ant – but frankly these rumours have been going on for at least a couple of years – and when I contacted Elite, they told me they had no plans.

The trainer is great, but the software is extremely poor and I think that most people are paying this level of money to use the virtual training aspects and I suspect that many people will be disappointed. Elite needs to sort this out – but maybe they’re making enough money without having to bother.

Incidentally, I have tried this on two powerful desktop computers and also a similarly specified laptop. All three of them passed the Elite tests as to whether they were suitable computers, without any problem.

 

 

I forgot to add that Elite provide their own cadence sensor, which although is on an open protocol, has to be plugged in with a wire into the trainer.

This is fine, but the problem is that for some reason or other known best to them, Elite have designed the cadence sensor in the most extraordinary shape so that is enormously difficult to get the receptor part close enough to the magnet without the rest of the body of the unit hitting the pedal.

I suppose they wanted to do something a bit individual – but it means that they have come away from all the acquired wisdom of cadence sensor manufacturers going back several years. They’ve decided to try and reinvent the wheel – or the cadence sensor in this case and frankly it is just another thing that doesn’t quite work properly or easily.

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