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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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    • 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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    • 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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Well this is a first for me, have been installing windows for years but this laptop has got me so frustrated now.

 

Friend brought this to me after he thought he was clever completely blanking the hard drive and all partitions, Using a USB drive I managed to get windows 8.1 installed but none of the drivers from Acer will install just freeze up the machine.

After 4 days I am pulling my hair out now (if I had any) but finally got most things installed but no wifi, no matter what driver I try it just freezes the machine up and have to hard boot it with power button.

 

Has anyone got one of these laptops that could upload the recovery image with the correct drivers?

 

George

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Not my laptop is a friends who decided to remove all partitions and install windows and couldn't do it. It has the UEFI bios but no bootable device when activated so in legacy at moment.

Acer V3-112P-C4S1

Intel Celeron N2840 / Intel HD Graphics / 2GB DDR3 / 500GB HD

 

Windows 8.1 installed and was missing 5 drivers and drivers from web site won't install at all, Managed to get some installed with driver pack solutions

 

Did a dual boot with windows 10 preview which seems to run a lot better and even installed the wifi.

 

Have windows 8 running but the wifi driver is a real pain, nothing I have tried will install just freezes the laptop up.

 

Thanks for the reply, any help you could offer will be gratefully received.

 

George

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Have been thinking the same myself the last few days I been messing with it.

Tried to make a UEFI usb boot install stick but just comes up with no bootable devices all the time, will have a further look into it.

 

Thanks

 

George

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Finally solved the problem, Was needing Windows installing under UEFI.

Installed Windows through USB with UEFI activated and the install and drivers all worked.

 

George

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