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    • threads merged.   going by your original thread the debt was sold around mar/apr 2017 so a default would have been registered by LLoyds upon sale when a debt is sold the name if the OC is replaced by that of the debt buyer   so everything to me sounds ok the defaulted date is of that time  and the whole account will vanish on the defaults 6th birthday.   what anyone put post that can't harm you further because they are not allowed to change a defaulted date subsequent calendar markers are irrelevant and can't hurt you file  further.
    • This is an area that I suppose we don't have a lot of experience in. So we will have to feel our way as best as we can – but there may be better sources of information elsewhere. You use the word "manifest" a couple of times – as if it is some kind of technical term. Does it have a special meaning?
    • Thanks and tried that route.  Seems they can for Jeeps up to about 2010, but not the newer versions.  I even tried an ex-Jeep franchise and same answer although they can service and reapir Jeeps, if a repair is done where the software needs to be updated,  I need to go to a franchsie dealer and cost is about £120.  I am wondering if a Subject Access Request can be made showing all documentation including a read out from the ECU on the Jeep?
    • Apologies Blemain finance is named on the paperwork how and what info do I put on sar  thanks 
    • You can get the warning messages interrogated at an independent, this also shows what’s been reset in the past on most cars. You could consider getting this done to see if it confirms your suspicions. But please double check that they can get resets on a Jeep
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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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On 27th September 2016 I bought an Innovate mtxl wideband for £162.50 (sensor amd sensor control unit for my car).

This was installed by a professional mechanic on 10th October 2016.

 

 

On 11th November 2016, less than 1000 miles later, the sensor failed.

I contacted the company I bought it from requesting a refund

but they would only offer a replacement sensor which I eventually accepted.

 

 

The replacement was fitted on 21st April 2017 (the car was in stotage over winter),

the replacement sensor then failed on the 26th April 2017 with the exact same error code (E8) again less than 1000 miles later.

 

I have again contacted the company who sold me the product and they now state that there is no warranty on the product and the first replacement was out of the goodnes of their heart.

 

Having googled "innovate e8" there are many, many others with the same story.

I do not believe this product to be fit for purpose or of sufficient quality.

 

 

No way a sensor on a car should need replacing every 1000 miles.

The manufacturer of the sensor claims an average sensor life of 80,000 km

and other manufacturer's controllers that also use this sensor do seem to manage this.

 

I sent the company a letter explaining I do not feel this product is fit for purpose and they responded (in a rather unprofessional tone) they they would not be refunding me.

 

What else can I do to try and resolve this issue?

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then a section 75 reclaim to the credit card company as they are equally responsible.

 

just for ref

WARRANTIES are not worth the paper they are written on

CRA is your friend.

 

they've had one change now they must refund

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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their response doesnt take into account of the law and timescales set by normal application of the law in these matters.

 

buy something electrical new and you get 2 years worth of use from it or some settlement for it being unfit for purpose or of unsatisfactory quality.

 

For a bigger item like a telly then it is now 5 years before the law considers it to be past it.

 

Write to the company in a proper letter and tell them that you wish to rely on your consumer rights and that the goods are not of satisfactory quality and unfit for purpose and therefore as a replacement was the same poor quality you now want a full refund.

 

If this is not forthcoming you will be taking legal action to recover your monies via the county court.

Please refund within the next 14 days to avoid such action.

 

This is an alternative to a S75 claim against your CC provider.

 

If the card provider sods you about name them as a co-respondent in any claim against the supplier.

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