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    • looks like some small banana republic dictators antics from 50 years ago asset stripping their country doesn't it.
    • One more part from the same link:   And now PPE contracts, so prepare to begin eternal screaming: 33. £252m to Ayanda Capital, registered in Mauritius for tax purposes. PPE not delivered 34. £186m to Uniserve. PPE not delivered 35. £116m to P14 Medical Supplies, with assets of just £145. PPE not delivered 36. £108m to PestFix, with just 16 employees. PPE not delivered 37. £107m to Clandeboye Agencies, a sweet wholesaler. Yes, a sweet wholesaler. PPE not delivered. 38. £40m to Medicine Box Ltd, with assets of just £6000. PPE not delivered. 39. £48m to Initia Ventures Ltd, which registered itself as “dormant” in March. PPE not delivered. 40. £28m to Monarch Acoustics, which makes shop furniture. PPE not delivered 41. £25m to Luxe Lifestyle, which has no employees, no assets, and no turnover. PPE not delivered 42. £18m to Aventis Solutions, which has total assets of £332. Not a typo, £332. PPE not delivered £10m to Medco Solutions, incorporated just 3 days after lockdown, with share capital of (not a typo) £2. PPE not delivered 44. In all, approx £1bn to inexplicable suppliers for PPE that hasn’t been delivered
    • Please post up the letter which you sent.   Have you read through some of the Hermes threads on this forum.  Do You understand the basis of your arguments and do you understand that steps involved in taking the action?   It is good that you are moving quickly and good that you are recording calls but Trading Standards don't always give the best advice.   Lets's see the letter
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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
      • 49 replies
    • 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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Currently resident in Scotland but seriously thinking of moving to England or Wales six months prior to going belly up.

 

My intention is to be unemployed from start of deed until discharge a year later.

 

However as I understand it in Scotland even if you have a "nil contribution" IPA set at point of sequestration it remains live for a further three years after discharge - ie if after discharge you start earning above the threshold payments will have to be made for a further three years until the four year duration of the IPA has expired.

 

Conversely in England and Wales if no IPA is set at outset of Bankruptcy due to low / no earnings after discharge a year later there is no outstanding liabilty and you are not subjected to a further three years of monitoring/payments.

 

Has anyone gone belly up in Scotland under this relatively new system where they have been discharged after a year subsequently found work and been subjected to making payments. Is it monitored quite closely by the AIB . Indeed I suspect it may be to early as did the new legislation only come into effect this April.

 

It may cost three times as much in England and Wales but this seems worth it to avoid having to pay any more money in the future if you are unemployed for the year from start to finish.

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Currently resident in Scotland but seriously thinking of moving to England or Wales six months prior to going belly up.

 

My intention is to be unemployed from start of deed until discharge a year later.

 

However as I understand it in Scotland even if you have a "nil contribution" IPA set at point of sequestration it remains live for a further three years after discharge - ie if after discharge you start earning above the threshold payments will have to be made for a further three years until the four year duration of the IPA has expired.

 

Conversely in England and Wales if no IPA is set at outset of Bankruptcy due to low / no earnings after discharge a year later there is no outstanding liabilty and you are not subjected to a further three years of monitoring/payments.

 

Has anyone gone belly up in Scotland under this relatively new system where they have been discharged after a year subsequently found work and been subjected to making payments. Is it monitored quite closely by the AIB . Indeed I suspect it may be to early as did the new legislation only come into effect this April.

 

It may cost three times as much in England and Wales but this seems worth it to avoid having to pay any more money in the future if you are unemployed for the year from start to finish.

 

So 100 people have looked has anyone got an answer ?

 

The Sequestration Sticky is out of date and does not take account of the April 2015 changes !!!

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So 100 people have looked has anyone got an answer ?

 

The Sequestration Sticky is out of date and does not take account of the April 2015 changes !!!

 

Now updated butts.

 

Andy

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I haven't the foggiest..England or Scotland..I suggest you speak to your intended IP.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

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Well does anyone on here know anything about sequestration ?

 

Has no one got any anecdotal evidence how the new system is operating ?

 

I'm simply asking if someone has been uprated from a nil contribution IPA (which is 4 years at the outset) after discharge and a change of circumstances that triggers a contribution becoming payable in the remaining three years or part thereof.

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