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Thank you BankFodder Please can Andyorch advise me how to make the application and what to attach I will send this off tomorrow after 3pm, I can post up the final version here of what I need to send and send this on Monday if I know what I am required to do and what I now need to send to the Court to deal with this matter fully Thank you so much to you both -
By BankFodder · Posted
I think you should probably follow the approach suggested by @Andyorch who is probably more up-to-date on these things and I am -
Hi, we have managed to agree terms with this creditor, thankfully and finally. Now we face another problem...my husband was declared bankrupt in 2018 by another creditor. Long story short, it's now in the hands of a trustee. They have apparently completed a driveby valuation which is higher than the first creditor mentioned previously so the trustee believes there is more equity for them to take. Our property is leasehold with a 54 year lease so tricky to value. We made an offer based on the first creditors valuation which was rejected by the trustee because, guess what, their valuation stands. So, I am now fighting again to save our home. Is there anything we can do to challenge the valuation and suggest the equity isn't as high as they think it is? Will a trustee be brutal enough to effectively push us into a homeless situation during a global pandemic because raising the funds they are seeking, is somewhat out of reach? Any help is gratefully received. Thank you. -
Hi Andyrorch and BankFodder I have just read up the posts, I am confused as to what to do, please can I be advised which route to go finally and how this is done, based on the advices to date. I will be able to look into this tomorrow as I am off work most of the day tomorrow after 3pm Thank you
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Hermes lost parcel. **WON**
murraynt posted a topic in Postal and Delivery Services,
Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/-
- 49 replies
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@247homerescue broke glass oven door
Mazzh posted a topic in General Consumer Issues,
Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391-
- 49 replies
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Mazzh, -
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A Shade Greener – ASG boilers – Everlasting Boilers – Maintenance and repair to boiler ending contract
ALLCHAR posted a topic in The building trade and installers,
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
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Post in Need to make final payment offers after years of paying my debts off - can no longer afford them..
comebackjimmy posted a post in a topic,
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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