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    • And to add to my site team colleague' s advice above, if you phoned the vet, they may well say that it is out of their hands now and with a debt collection agency. Insist that it is with them and if they maintain their position then it is probably worth writing to them to confirm that you asked them for details and that they refused. It's a good idea to develop a paper trail – especially where they are acting unreasonably and refusing basic information such as an account. You could also serve them with an SAR which will compel them to provide you all the information you want
    • A utility company is certainly a service provider and they are generally treated as such by courts, regulators et cetera.   Please don't be vague about any details that you give us if you want help. Were the advice we give here is free of charge – and it is generally speaking excellent advice and we help thousands of people, you should treat it as if you are paying £300 an hour for it and that means your best to help us so that we can help you solve your problems quickly and efficiently
    • regardless to whomever have been involved and what happened ... police, court, bloke that collects the trolleys in the carpark   ..you TOTALLY ignore the likes of DWF and RLP no matter what   dx  
    • pers i'd certainly not be paying a powerless DCA anything EVER. esp when they dont OWN the debt, which in this and most cases they don't and most certainly NOT over the phone or use the phone to a DCA ever, no matter the reason. they lie and threaten all kinds of illegal things on a phonecall that they'll never put in a letter which is why it is sO important to record their calls, then you can raise a complaint against them.   cut the DCA of totally ring up the VETS and set up an affordable repayment schedule with THEM directly but 1st ask for a balance i bet that doesn't match the sums paid to the DCA.   dx  
    • Thanks for responses.   The post thats been deleted was posted before the post requesting bullet points. I was deliberately vague on the type of debt it was. However a utility company is not a service provider   The answer provided in respect of the income form is great.   The only question i have now is if its reasonable to request  breakdown of how the debt has been calculated and any contract hey may have been in place.   Thanks again 
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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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Rachel Dolezal, the American civil rights activist

who claimed to be black despite having white

parents, has finally spoken out.

 

Even though she grew up with blonde hair and

freckles, she says she ‘identifies’ as black, and

from the age of five was ‘drawing self-portraits

with the brown crayon instead of the peach’.

 

How odd that many of the people who have so

vociferously criticised her are the same people

who champion the rights of transgender people

to ‘self-identify’ as whatever sex they choose,

and insist we respect this.

 

If we are going to allow people to pick their gender, why can’t we do the same with race?

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Question worthy of debate, Filcin.

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Isn't it time to forget what colour we are? It is just pigmant! Under the skin we are all the same

 

Yes, but humans have to find reasons for division and conflict. It is in our DNA !

 

Since humans lived in caves, they have been fighting each other and finding ways of division.

 

Every form you complete for government or employment has a section asking for ethnic group etc.

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I heard a very interesting article on the radio. The objection appeared to centre on it only being a 'choice' available to white people - not so easy 'choosing' to be white if your skin is very dark. The interviewee was a black woman who had been brought up in a white family, sounded intelligent and reasonable and I found her arguments compelling.

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A bit like a German Shepherd wanting to be called a Dachshund!

 

Ethnicity is not something you can change as it is a descriptor. If you are Negroid what is the point of trying to label yourself as Caucasian? Or vice-versa?

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A bit like a German Shepherd wanting to be called a Dachshund!

 

Ethnicity is not something you can change as it is a descriptor. If you are Negroid what is the point of trying to label yourself as Caucasian? Or vice-versa?

 

Whydo we need labels? And to say its in our DNA to have the need to find divisions and conflicts....can we not evolve past that now?

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Whydo we need labels? And to say its in our DNA to have the need to find divisions and conflicts....can we not evolve past that now?

 

Difficult to change habits. Humans are programmed to identify differences and to seek division. For example children or animals born as part of the same litter or close together will naturally compete which each other. Animals compete for sources of food, even if there is plentiful supply. Did you see the news of the Tesco store where grown men were fighting over the discounted meat on offer. Look at the campaigns of people not wanting a Mosque in their area, where they may be happy for a new Catholic Church to open.

 

You can call yourself what you want and don't have to confirm your ethnicity. I don't like having to declare myself as white British. My ancestors came from Germany hundreds of years ago, just like HM The Queen.

 

Gone off the subject question a bit, but much of what I see with humanity at the moment, is a long struggle to become an intelligent species.

We could do with some help from you.

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But it doesn't answer the question If we can chose gender, why can't we chose race or colour ?

 

I suppose the main reason is that no form of racial dysmorphia has been formally identified as any sort of biological condition or disorder. The same is not true for transgenderism, which has been extensively studied and researched for decades. It seems pretty obvious that there are a small number of individuals who simply cannot reconcile their biological gender with their mental gender. These days, with great difficulty, some such individuals can be treated. What's more puzzling to me is why so many people seem to be heavily invested in the gender of others, to the extent that they oppose attempts to treat this known problem and steadfastly refuse to recognise the suffering that they cause in doing so.

 

Now, of course, it may be that there are indeed people who genuinely do find difficulty living in the world with the racial identity they acquired at birth. It's a lot more difficult to determine this, though, because race is far more a social construct than a biological one - our own racial identities dramatically affect the racial characteristics we see in others - but perhaps such a condition exists, you never know. If it does, there's no particular reason to treat Ms Dolezal as a poster child for it. She's more of a calculating liar, albeit probably also a highly disturbed individual.

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The idea that all politicians lie is music to the ears of the most egregious liars.

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There is a big business in skin bleaching, It has become more common over the last 30-40 years. Skin whitening has a long history in Asia, stemming back to ancient China and Japan. We are also aware of the claims Michael Jackson succumed to this. It is not new.

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There is a big business in skin bleaching, It has become more common over the last 30-40 years. Skin whitening has a long history in Asia, stemming back to ancient China and Japan. We are also aware of the claims Michael Jackson succumed to this. It is not new.

 

Correct, to an extent. But to a large degree this is in response to social pressure - feeling that having lighter skin would be to one's advantage (or simply preference) is not the same thing as feeling that one is intrinsically a different race. My Brazilian friends tell me, for example, that although western-style racism is rare in that country, there is a definite feeling that people with lighter skin are more successful and seen as more attractive.

 

I believe Michael Jackson actually had vitiligo, although with him it's pretty hard to tell.

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The idea that all politicians lie is music to the ears of the most egregious liars.

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We also have the street talk which is a different take on this particular lady, the youngsters who say lake instead of like. bruv, blood, etc etc to fit into a particular race culture, which is now mainstream. You could say a Patwa vibe. I hope it is cohesion and not derision.

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