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    • In connection to the following ?    
    • Hi, to date I have still not received a full itemised list of the supposed historical charges from Prestige finance even though I have requested them on numerous occasions please see below: Hi Joanna, With reference to our telephone conversation yesterday 2nd Sept 2020. As mentioned to you I have not received the full itemised list of charges that I requested on the 17th August 2020 (copy letter attached). Also Charles from the financial ombudsman has been in contact with me & said that Prestige have stated that the £1700 owing refers to historical charges prior to them buying the loan, although there is no mention of this in the full SAR that I requested from yourselves. A point of law states that you cannot after many years attempt to claim interest on historical charges that you say exist but have no proof of. Also may I add that if there had been any charges & I had been asked to pay them (which hasn’t occurred) I would have settled straight away. Any advise appreciated
    • To clarify and to apologise for what appears to be ignoring your advice.  I am not the only one dealing with this and due to a miscommunication, the email  previously referred to was sent without my knowledge. Had I realised I would have waited and sent the email you suggested.  Having looked through the email communication, there are some dates that are relevant regarding what they promised. and when. As mentioned previously, we were going to use a different company. On the 22/5 they quoted,, but as they didn't do finance, even though  they were a lot cheaper and  they could fit the windows within three to four weeks, we decided to get another quote. On the 2/6 there was email correspondence with Ideal Windows saying the other company was lying and they could do it in eight weeks. On the 5/6 an email was sent asking if it was possible to speed up the process as our builders needed to finish the renovations which they were unable to complete  without the windows being installed. They had been told the builders would be returning home at the very latest on the 20/10 and they needed to be finished well before then. On the 11/6 the contract was signed and on the 15/6 an email asking when someone was coming to measure to avoid delay. on the 19/6 and email saying we still haven't heard we are pressed for time. If no one comes by the 23/6, we will have to cancel with 14 days notice. on the 29/6 they said we needed to go and sign a new contract as they had tried to charge us for something we didn't ask for, an extra £300. Then stating we don't need to go there as they have managed to amend it. During July and August only telephone calls, the date to start  should have been the last week in August, this was cancelled a few days before saying there was a problem with the supplier, contrary to them saying they weren't affected by covid. This happened at least four times in all  On the 22/9 we again said we needed to  cancel as our builders were returning home. They responded by saying there would be a financial penalty. It wouldn't make sense to choose to use them if they had said there was a problem with the suppliers and there was no definite date to start. Maybe I'm wrong but it feels we have given them notice enough times without them fulfilling there side of the contract.  If it isn't deemed to be the case then we will of course take your advice.        
    • Hi all, Would appreciate someone pointing me in the right direction of resources. I initially signed up to a mortgage with Kensington mortgages. At the the time I had no idea that they were giving me an interest only mortgage at am extortionate rate not to mention the fees charged. I was then moved onto UCB Homeland which have cotinued to keep me on an interest on mortgage but again at a really high rate despite them being so low for a long time. I am still being charged a very high rate. Due to current financial circumstances I'm unable to move lenders.    What options do I have?    I remember seeing details of potentially reclaiming the charges and some interest payments. Is this correct and if so how do I start the process?   Many thanks in advance for your help
    • You are welcome to ask for advice here – but please would you start your own thread. Also, please don't spam this forum with links to credit advice companies. We'll be very pleased to help you though – if that's what you need
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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.
      • 3 replies
    • 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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Received an odd letter yesterday from J D Williams.


We had an unenforceable account with them that became Statute Barred in February 2015.


The letter makes reference to a PPI claim that we put in in 2008, that we have no record of. A check has also been included and the wording states that they made a mistake after rejecting our original complaint and that the payment is the 'full & final settlement' and the complaint is now closed.


Any idea as to what is going on here?


Are they trying to reset the Statute Barred clock if we cash the check?


Any advice would be gratefully received?

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no it cant


PPI or are they talking about the Plevin ruling re commission?




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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Are they trying to reset the Statute Barred clock if we cash the check?



No absolutely not, once it's SB, then it remains SB, NOTHING can EVER unbar it, cash that cheque!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!



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