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    • yes sadly thats how the sharks work.   i've moved you topic to the blemain forum.   100's of threads to read here. but you are doing the best thing for now and thats get all the info. there could well be £100's if not £1000's in unlawful penalty fees too.        
    • Don't think its an age thing Nain worried she can't buy grandchildren a winter coat, or a newborn baby bottes yes baby equipment like bottles and sterilising equipment Non Essential.   Think its more Drakeford's supporters who are right on hard left do as you are told or else types.
    • Do you know if that split is age related?  It's the difference between those who those who want to retain as much normality as possible while doing the best we can and the camp which seems to think hunkering down with our eyes closed and fingers in ears will make it all go away.  That latter lot include the sub group which for some unfathomable reason seem to think inflicting as much extra misery as possible on everyone (to no purpose) is the answer.    
    • Thank you and yes it was a 10k loan in 2007  but the amount outstanding currently is £17k 
    • Sounds like you've done some great detective work there, well done!   So you now have a good timeline; the car was purchased by the dealer who performed an HPI check and found no finance outstanding. They then sold it to someone who took out their own finance in August 2020. That person sold it to you without informing you that there was finance outstanding in October 2020.   I would think that it would be realtively straightforward for a solicitor to write a letter to MB with the pertinent facts (they will obviously know when and by whom the finance was taken out) and request that they issue a good faith title. It should only cost about £150.   I echo what others have said; don't hassle the seller. I know it is really frustrating and annoying, but he has proved himself a liar and only has to tell the Police that you threatened him and you'll be in trouble!
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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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If I e-mail my MP on a subject, and he/she replies, would that parson be able to state copyright at the bottom of their

e-mail/letter. What would happen if I put my question and their reply on say CAG?

I was of the opinion that their reply to me could be published if I wished to do so, however I have noted that any answers given to me on a number of occasions by MP’s I have e-mailed have copyright on the bottom.

Edited by buckthorn
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If anyone writes you a letter then the contents of that letter are copyright. I'm not sure whether a letter from an MP is copyright which belongs to the MP – in which case the copyright would last for 70 years after the death of the author, or copyright of the Crown in which case the copyright would last for 125 years after publication.


I can scarcely imagine any MP objecting to the publication of something that he or she has written – but there may be exceptional circumstances. You probably need to give more information. It is not necessary to include the words "copyright" or any other message or symbol in order for a copyright to exist. It just – exists!

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Thanks for your reply:-

I’ll give you little more detail. I live in Plymouth, one of the ongoing debates at the moment

is in relation to Plymouth Airport which has been closed, by a company who wish to build house

all over it, as they say it is not viable, (that’s after first getting the 100 year lease, and selling off

all the landing slots at Heathrow, it’s basically a money grab).


The majority of the Plymouth residents want their airport back/reopened, so I have e-mail all the

MPs in Plymouth irrespective of what part or party in Plymouth they represent and asked them

what is their position on the reopening of the airport.


A number of their replies have copyright on the bottom and I did not wish to publish those replies if

they are protected. It sounds to me that they don't really want their electorate to know what they

really think. Typical politicians.


Does that also include e-mails?

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It includes everything.


I think you have probably misunderstood the copyright notice at the bottom of the letter. I think it is far more likely that they are warning people who might wish to include those letters in some kind of book which would then be sold, that if there is any economic exploitation of the copyright work then the editor of that book can expect a challenge.


I can't imagine that any MP would raise objections to the publication of their letter on a website or elsewhere which doesn't make any profit and is really simply a public interest website.


If I were you I would go ahead. I would have thought that the worst thing that could happen would be that you would get a notice asking you to remove it. If you're making a profit out of the letter in some way then I can imagine that a different approach should be taken.


The only other issue relating to the publication of correspondence might be if it was considered to be confidential. I can't imagine that the contents of the letter which you have described would be considered confidential. If I were you, I would simply go ahead.


In future – and for the avoidance of doubt – if you canvass opinion from people on these kind of issues in the future, it might be worth pointing out that you would be grateful for their reply which you are intending to share with other interested parties. However, I think even this is not necessary. It might help you sleep more easily, maybe.

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