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    • click sar just send it  no need to add anything bar their details   is this charge still showing on her deeds?    
    • i am not aware of any refunds being issued retrospectivity for years when you could have attained free road tax but simply didn't.   you will however gain a refund of any road tax already paid this year backdated to the start of the month you submit now. don't forget you will need the certificate of entitlement number when applying now and keep that certificate safe as you will need it each year.
    • thats quite interesting, as they are giving you a greater int rate before 1993, i am unaware of anything special about that date concerning statutory int , but it means more money for you, so i wouldn't worry yes the spreadsheet is correct.   it runs till the day they settle.   have they actually given a fixed figure for the 15% period, if so, add that the the 'current' spreadsheet result and that should equal what they should be refunding.... does it match?   dx  
    • I was recently given an upgrading of mobility to enhanced estrangement to pay.I was not aware of had indeed been informed that over the last 3 years I should have only paid 50 % of normal rft any chance of a refund of the overpaid duty  Cheers
    • great so everything sort of matches now a meter with no flat number and one not for your number.   now simply write to EON. i doubt your usage will be that dissimilar to a like flat so you might even get a credit balance   dx  
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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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I had contents cover with morethan for one year from November 2015 after which i moved to RAC (though i had forgotten about this as most people do with the passage of time and dealing with different companies).

 

I received a letter at the beginning of August from morethan stating that my renewal was due August 19th and i wouldn't be covered after this date. I had no reason to believe this was incorrect but the price was extremely high so i went on a comparison site and renewed with Churchill.

 

I was just checking my saved e-mails and saw one from RAC dated November 2016 about contents insurance. Thus i now realise that due to the letter i was sent that i now have two policies running for slightly over 3 months.

 

Obviously i'm not very happy and have sent morethan an email but have yet to receive a reply. Effectively i'm £20 out of pocket and am very suspicious of how their system could make such a mistake.

 

Is it worth reporting this and if so who should i contact?

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IMO it is the Insured's resp to read & complete the Proposal form & accept it's T&C's.

An Insurer need only refund only unused portion of current Premium, less any min charge for current year. Taking out 2 sep Co Policies for same year, tough luck & only 1 Co was liable to pay for any claim.

No claim during year and you have paid twice for cover.

If we make a mistake why should we expect a refund?

ALWAYS reject auto renewal.

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IMO it is the Insured's resp to read & complete the Proposal form & accept it's T&C's.

An Insurer need only refund only unused portion of current Premium, less any min charge for current year. Taking out 2 sep Co Policies for same year, tough luck & only 1 Co was liable to pay for any claim.

No claim during year and you have paid twice for cover.

If we make a mistake why should we expect a refund?

ALWAYS reject auto renewal.

 

Does not work quite like that. If you have several insurances covering same risk, if there is a claim event, then details of all policies held would have to be provided. The Insurers would share in the claim settlement. It would be tough luck that more than one risk premium had been paid.

 

If there was dual insurance for a few months due to an error, provided there is no claim during the period, then on receipt of proof of alternative Insurance, the previous Insurers would normally backdate cancellation to the renewal date and refund the few months paid. If there was dual insurance over a longer period, both insurers on receipt of the other insurers details, would normally refund 50% of the premium. There is a dual insurance process to go through.

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