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    • Good Evening,    Please may I ask for some information re default markers on Credit Report ?    I had a CC with a Bank default around Jan 2014. Nothing was registered on my Credit Report The debt was later sold on a few times. Eventually to PRA in 2017 where it is unenforceable.   On my Clearscore report that I have recently downloaded it says “ In default PRA GRoup 5th April 2017”. when I click onto this it shows no markings on any month from 2014. so my question is can PRA register the default from 2017. I’m unsure if it drops off from The bank in 2014 or after PRA registered in 2017.    thanks for any advice you can give   
    • there you go all done i thought i could see you'ed left your reg number and their PCN number in your pictures.   there are quite a few threads here on this only allowed 30mins on certain esso forecourts total rubbish ofcourse  and none haver gone anywhere so far FWIW.   dx      
    • Highly likely providing you were the first private buyer to purchase the car with HP or conditional sale outstanding the solicitors will conclude that you have good title and act accordingly  As dx says let consumer law deal with this, keep the vehicle well hidden just in case but if you turn up at the sellers work and cause problems and the Police become involved  its highly likely you will be the one with big problems 
    • Seven years ago today this topic started 🤗
    • From Tuesday, the bank will alter the rate of cashback it pays on some bills - while doubling the monthly fee on its 123 Lite account to £2. The changes are disguised cutbacks. View the full article
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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
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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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Hi all was wondering if any one could help?

 

I recently stumbled across a letter written to me from the CEO of the company telling me I was due to have a £1000 raise as part of our company being taken over by a larger company. Having had a look at the letter it was dated on the 21st of December 2015 and my wage was supposed to go up on the 1st of January 2016. This of course is not the case and the reason why I am writing.

 

It was by sheer luck that I managed to find the letter as it was in the managers back office near the bin area, I found the letter in a sealed envelope whilst i was cleaning the office.There were a few more envelopes just like it, however all the employees they were addressed to were no longer part of the company. As it was addressed to me I thought it might be important information that possibly just got misplaced.

 

I politely sent my manager an email wishing to discuss the potential raise, and even sent him a copy of the letter, however it seems to have fallen on deaf ears as he has straight out ignored the email.

 

As part of our procedure to file an inquiry to HR everything must be in written form and you must see if the problem could be resolved onsite first, the only reason I haven't directly spoken to my manager about the incident is because if he was to say something to me it would be a literal case of his word against mine.

 

I would love a raise that I believe i am entitled to as I have it in writing. Whether or not I was supposed to see the letter is a completely different matter but it does seem the company or manager has withheld information from me and possibly other employees. The letter I found addressed to me would have been binned otherwise.

 

What should my next step be? my only concern being is that i found the envelope and was not handed the envelope.

 

Thank you for your time.

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" I found the letter in a sealed envelope whilst i was cleaning the office."

 

Seriously, it's not your letter until it's delivered to you. If I were the boss I'd be considering disciplinary action against you for nosing about.

Never assume anyone on the internet is who they say they are. Only rely on advice from insured professionals you have paid for!

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Have to say that I completely agree with the post above. There may be 101 reasons why the employer chose not to give the raise - he may have even written the letter as bait to see whether you would open it, but the fact is that there is no obligation and no contract until the letter has been delivered to you. By emailing the boss, you could easily now potentially put yourself at risk of disciplinary action.

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