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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
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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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Figures from the Insolvency Service show 90,930 personal insolvencies were recorded across England and Wales, rising 13.1% from 2015.

 

It is the first time since 2010 that the number of people entering insolvency has increased year-on-year.

 

 

 

 

 

http://www.expressandstar.com/business/uk-money/2017/01/27/figures-show-steep-rise-in-recorded-personal-insolvencies/

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1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Mark Sands, a personal insolvency partner at RSM, said: "In 2015 we saw the lowest levels of personal insolvency in over a decade, but the latest figures for 2016 show that the tide has now turned.

 

"Despite record low interest rates and high employment levels during the year, many more people found that they could no longer keep on top of their debts."

 

Recent Bank of England figures have shown strong rises in consumer credit, prompting concerns from charities that people could be at risk of over-stretching their borrowing.

 

 

 

Read more at http://www.expressandstar.com/business/uk-money/2017/01/27/figures-show-steep-rise-in-recorded-personal-insolvencies/#zXLG05Xl3YhbT0mf.99

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

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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It is current government policy to see an increase in personal/household debt. George Osborne when he was chancellor factored in a large increase in debts and banks were encouraged to loan more money. Philip Hammond has continued this policy. This is why the UK is doing better than other economies. Consumer spending on credit proping up retail sector. Credit card debts are at record high.

 

If there is another financial shock, UK banks will be in trouble again and will need another bail out.

We could do with some help from you.

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It is current government policy to see an increase in personal/household debt. George Osborne when he was chancellor factored in a large increase in debts and banks were encouraged to loan more money. Philip Hammond has continued this policy. This is why the UK is doing better than other economies. Consumer spending on credit proping up retail sector. Credit card debts are at record high.

 

If there is another financial shock, UK banks will be in trouble again and will need another bail out.

 

 

I think consumers are daft to keep spending whilst there is so much uncertainty for the economy. Councils are almost certainly going to increase Council Tax - we are not sure if employment is going to be secure. It will only need for the BoE to increase interest rates and a lot more people will be in trouble.

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

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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  • 2 weeks later...
Are there any figures for Scotland ? re insolvencies.

 

Works slightly different in Scotland Tom

 

https://www.thegazette.co.uk/insolvency/content/172

 

http://www.scotlandstowns.org/scottish_towns_power_big_improvement_in_personal_insolvencies

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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It is current government policy to see an increase in personal/household debt. George Osborne when he was chancellor factored in a large increase in debts and banks were encouraged to loan more money. Philip Hammond has continued this policy. This is why the UK is doing better than other economies. Consumer spending on credit proping up retail sector. Credit card debts are at record high.

 

If there is another financial shock, UK banks will be in trouble again and will need another bail out.

 

To save bank "bail outs" and save taxpayers money there has been devised "bail ins". There has been a law passed both sides of the Atlantic where if banks get into trouble they can bail themselves out using depositors funds. When people put their money into the banks it gets put on a loan ledger where the bank has "borrowed" your money so when in trouble you become a creditor just like in a bankruptcy and the "loan" (your cash) would not be paid back.

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Interesting, thanks for that, I had missed it :) A quick search " uk bank bail in law " produced this,

 

 

http://truepublica.org.uk/united-kingdom/grand-theft-auto-uk-eu-bank-depositor-bail-regime-implemented/

 

 

One bit jumped out, " This is an admission by the British government that the £85,000 deposit guarantee scheme is flawed and that the British depositors protection promise is simply a sound bite and not financially supported. "

 

 

Time to go back to a cash society ?

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Interesting, thanks for that, I had missed it :) A quick search " uk bank bail in law " produced this,

 

 

http://truepublica.org.uk/united-kingdom/grand-theft-auto-uk-eu-bank-depositor-bail-regime-implemented/

 

 

One bit jumped out, " This is an admission by the British government that the £85,000 deposit guarantee scheme is flawed and that the British depositors protection promise is simply a sound bite and not financially supported. "

 

 

Time to go back to a cash society ?

 

Talking about cash, try "abolition of cash" on Google. Money Week "The Indian government has removed from currency 1000 and 500 Rupee notes and put a limit on ATMs of 2000 Rupees

 

Chase Manhatten, in half of their branches they neither accept or pay out cash and car loans, credit card bills and mortgages cannot be paid in cash,

 

David Cameron has told Police that if anyone is carrying over £1000 they demand to know where the cash has come from and if it cannot be verified they will confiscate it (Professional Builder)

 

Bank Of England hasn't printed any £50 since 2015

 

In France and Spain it is illegal to pay a bill in cash over 1000 Euro's or there is a fine of 25% and 40% (respectively) of the value of the bill. (Guardian of Telegraph)

 

I have had a letter from Barclay's that if I owe the HMRC or any other authority then they can demand Barclays take it from the account. What I do owe the HMRC and what they think I owe are two different things! People really do need to take notice of what is going on.

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and the call us 'conspiracy theorists' ?

 

 

thanks for the heads up about HMRC, I am not with barclays, but........ working tax credit are after me, because concentrix put a 'note' on my file, to say I was living with someone ? I'm not - they just made it up ! is that criminal fraud?

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and the call us 'conspiracy theorists' ?

 

 

thanks for the heads up about HMRC, I am not with barclays, but........ working tax credit are after me, because concentrix put a 'note' on my file, to say I was living with someone ? I'm not - they just made it up ! is that criminal fraud?

 

I know there has been a lot of trouble with Concentrix. My daughter had a demand back for tax credits and she got out of it, never paid it back. I think there was a rule about if it was their mistake it made a difference but I don't know exactly what it was.

 

I make it a rule not to deal with third parties nor pass their "security" as I have no contract with them (contract law). beyond that I don't know the answer. In a dispute I always ask for full accounting and terms and conditions, what laws are they using. Do everything in writing. I sign everything "without prejudice" and write that partially overlapping the signature. That means you can't be held liable for anything said if they don't fully disclose everything. Put the onus of proof on them. HMRC books are in such a mess they don't know what they are doing and they find it difficult when you don't speak to third parties.

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