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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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Platform Mortgage - Awaiting eviction date


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I think it must be the number on their website http://www.kmc.co.uk/customer/ContacUs.html

 

This is what they say on their site

What time is your office open to take payments?

 

Our core opening hours are between 8.30am and 8pm Monday to Thursday and 8.30am – 5.30pm Fridays. During these times you have the option of making a payment through the automated system or talking to one of our team.

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  • 1 year later...

I swore I'd never be back in this position but I am after been out of work ,

 

we have arrears with Kensington of 3k it's 2nd mort owing about 38k with 16 years left.

 

We have received letter from sols saying they are applying for eviction date

 

we already have suspended order from last time.

 

I have put in an offer but worried sick offered 400 on top of payment as I now have full time employment .

 

I have agreed to pay 200 Friday then other 200 on last day of Nov with mortgage payment .

 

But I'm worried sick they won't accept it and I'll lose my home

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I hope you'll hear from Ell-enn or Lea later but I'll keep an eye on your thread for you and bump if necessary.

 

Let us know if you get a response from the solicitors this morning.

 

Have you read Ell-enn's guide:

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?325527-CAG-guide-Are-you-facing-eviction-or-repossession

 

Obviously you may know all this from last time.

 

DD x

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Hi there, if they do issue an eviction warrant you can apply to the court on an N244 form for a hearing to have the eviction stopped (we can help you with that). Provided you can show you have new employment and can afford to pay something towards the arrears each month, you won't lose your home.

 

Let us know if they accept your proposal, if not we can get to work on your N244.

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Thank you,

well I have come clean and told my parents and they are going to help,

we have had arrears now for a number of tears on both this and our main mortgage but this is the last time,

 

 

can't go through it again .

 

 

Was thinking about asking for charges back but really don't want to get on the wrong side of the companies what's your thoughts?

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Well I paid 2k off my arrears yesterday and then received a call from a lovely man from Kensington . They had seen all my comments on here and really wanted to address my concerns regarding charges etc , he has refunded £250 of charges and once arrears allsorted said can have a look at account ? He was lovely but how on earth did they know the comments were from me ?

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Hi

I think with a bit of digiing and the information given in your other thread

 

I swore I'd never be back in this position but I am after been out of work , we have arrears with Kensington of 3k it's 2nd mort owing about 38k with 16 years left. We have received letter from sols saying they are applying for eviction date we already have suspended order from last time. I have put in an offer but worried sick offered 400 on top of payment as I now have full time employment . I have agreed to pay 200 Friday then other 200 on last day of Nov with mortgagelink3.gif payment . But I'm worried sick they won't accept it and I'll lose my home

 

I would think just those two snippets could be enough

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Well I paid 2k off my arrears yesterday and then received a call from a lovely man from Kensington . They had seen all my comments on here and really wanted to address my concerns regarding charges etc , he has refunded £250 of charges and once arrears allsorted said can have a look at account ? He was lovely but how on earth did they know the comments were from me ?

 

Ah how amazing.

I don't mind Big Brother watching when they are being genuine, compassionate and helpful like this :)

 

Clear33

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Just goes to show who is on here. Some threads have been shown in court cases.

Some useful links.

FAQ's

Making Posts

Letter Template Library

Bank Contact Details

AQ Guide to Completion

Court Fees

Data Protection non Compliance

Witness Statements for Court Bundle

Banking Code Website

Limitations Act

Fast Track Costs

A-Z Index

Mis-Claim Tutorial

Step By Step Instructions

 

Remember: The Ark was built by amateurs-The Titanic by professionals.

 

Please click my scales if you find my advice helpful !

 

If your claim is successful, please donate 5% so that it can continue to help others.

 

Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.

 

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

 

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

YOU CAN NOW COMPLAIN TO THE OFT ABOUT THEIR CONDUCT UNDER THE CONSUMER PROTECTION FROM UNFAIR TRADING REGULATIONS 2008.

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Get the charges back. The mortgage company show no mercy when you owe them money. I would get it back.

Some useful links.

FAQ's

Making Posts

Letter Template Library

Bank Contact Details

AQ Guide to Completion

Court Fees

Data Protection non Compliance

Witness Statements for Court Bundle

Banking Code Website

Limitations Act

Fast Track Costs

A-Z Index

Mis-Claim Tutorial

Step By Step Instructions

 

Remember: The Ark was built by amateurs-The Titanic by professionals.

 

Please click my scales if you find my advice helpful !

 

If your claim is successful, please donate 5% so that it can continue to help others.

 

Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.

 

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

 

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

YOU CAN NOW COMPLAIN TO THE OFT ABOUT THEIR CONDUCT UNDER THE CONSUMER PROTECTION FROM UNFAIR TRADING REGULATIONS 2008.

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  • 8 months later...

no!

 

how did they and you calculate things?

 

dx

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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Take it to the FOS...you have nothing to lose x

Next Directory £215 NO CCA ***WON***

 

Littlewoods Visa*** WON ***

 

Littlewoods evenmore£496.47 COURT CHARGES£296.84 PPI £575.52

Littlewoods LX £0.00 COURTCHARGES £327.68

Choices for you S.A.R owe £362.02

Additions Direct £1400 NO CCA

 

HUBBY

Bank of Scotland Prefernce account £296

Capital One £300CHARGES£1135 TAKING COURT ACTION

 

also owe big to

Bank Of Scotland £10000 sending cca reqest

British Credit Trust £6000

 

Fighting For Family

MUm,***WON ***Barclays for hardship just need to get the last little bit. Chasing LLOYDS TSB for hardship

Bro, HBOS PPI mis selling ***WON***

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  • 2 weeks later...

Hi ,

 

I am trying to reclaim from Platform and Kensington .

 

Platform chargers are £1500 and have offered no where near this as say they are fair.

 

Kensington have offered £942 ,

 

these have been worked out from statements received from companies.

 

Would I get anywhere by going to FOS ,

 

or shall I just take it

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can we have the details of the two reclaims please

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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can we see your spreadsheets please.

and their replies with breakdowns?

 

 

dx

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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  • 2 years later...

Hi all

well after a couple of years of not being here .

I am again this time with our main mortgage with Platform .

 

Awaiting an eviction date which is due any day .

Arrears are £6950 ,

mortgage balance 61k ,

9 years left .

 

 

The only difference this time is I'm on my own husband left the property July 2015 and hasn't paid anything towards bills , mortgage , secured loan since May 2015

- in his words he's not here so why should he.

 

 

I have had a long fight with the CMS and he now has to pay £75 a week towards our two children this includes arrears .

 

 

Can you use CMS payments as income?

I am in a position to now pay mortgage and reduce arrears but because had failed arrangements platform have declined .

We have suspended possesion.order from Feb 2008 .

 

Any advice help would be much appreciated xxx

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Hi, you need to write to the lender stating your proposal for clearing the arrears, this letter will help if you need to go to court to defend the eviction order. As the previous suspended order was 8 years ago, they will have to start the possession process from the beginning as it's been more than 6 years. If you need help with the letter, please let me know and I'll draft something for you.

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Yes, you should definitely write to them, you will need a copy of the letter to go with your defence for court, this will show the judge you have tried to come to an arrangement.

 

I have to go out for a few hours, but will draft you a letter when I get back.

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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three threads merged for full history

how did you get on with that reclaiming?

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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