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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
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    • 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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My daughter bought a new flat, made by Barratt homes about 18 months ago. Last week she had a letter from some solicitors called FS Legal about a "Leasehold Action Group for your Development", essentially warning her of the potential problem of a ground rent clause which may make life difficult in the future.

 

I have the agreement but can't work out if she has a problem or not. Does anyone know what to look for? who could point me in the right direction?

 

Many thanks.

 

Regards to all.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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Hi

 

Is the Flat a Leasehold?

 

Have the Leaseholders got together and setup the aforementioned 'Leasehold Advisory Group'?

 

Look for anything including clauses that mentions Ground Rent or Service Charge or Maintenance etc.

 

I would also check for anything that prevents Leaseholders from setting up a Group/Committee/Right to Manage

 

Have a look through this Leasehold Advisory Service link: https://www.lease-advice.org/

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More likely Barratt's will expect to double the Ground Rent every 10 years, thus making the Property less attractive for long stay or future buyers.

The Solicitors maybe trying to form an Action Group to put pressure on Barratt Homes/Govt to amend their decision.

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This item was featured in a BBC program called You & Yours a few weeks ago. A lot of building companies who built on leasehold land didn't inform homeowners about the ground rent issue. It seemed that the leasehold was sold off to investors as a scheme to invest pensions into as the contract was tied to basically double the ground rent every 10 years.

 

This wasn't pointed out to any customer at the point of sale where it should have been as it's a big thing. This letter may be about forming a group to purchase the lleasehold from the owner.

 

https://www.theguardian.com/money/2017/jul/27/trapped-leasehold-property-ground-rent-doubling

 

https://www.leaseholdknowledge.com/barclays-turns-mortgage-flat-ground-rent-doubles-every-25-years

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her solicitor should have expalined all of this but commonly the developer pushed certain firms of lawyers to the purchaser as offering a special cut price deal so there is a good chance that she may well have been badly advised from the outset.

 

If the world was a decent place these lawyers would be paying up out of their professional indemnity insurance and the SRA would be putting the boot in as well but joining the action group will be the cheapest way of getting some compensation

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Hi Fred,

 

Some leasehold contracts have had the escalator elements cloaked, others use mortgage-formula grade type approaches that are hard to read. One mainstream builder I have an example of showed a clear (and depressing) calculation. One individual called Martin Paine used an outrageously cloaked method (Martin, you have been named in Parliament.) Another type fooled Guardian journalist Patrick Collinson, his brother, and his solicitor, and his father discovered it before it was too late.

 

Conveyancers have been recently advised to make sure they have run the calculations correctly, and compare the sums with the sellers' solicitors, to make sure both parties agree the numbers, before advising the buyer.

 

So I would ask questions with determination on your daughter's lease contract. I think (knowing a bit about this) that you'll find the FS Legal letter is no win, no fee, no commitment.

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Many thanks for the advice folks. I've been manically busy for the last 7-10 days so havn't had time to look more into this yet. I hope to do so at the weekend.

 

Cheers.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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