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    • Unsettling the applecart?,  I'm going to be direct here, I know how this works , I've been in far worse situation than your relative, and I can assure you , now that there i likely a default in her name, it makes absolutely ZERO difference if she pays or not. Denzel Washington in the Equalizer , 'My only regret is that I can't kill you twice'... It's the same with a default, they can only do it once and it stays on your credit file for 6 years if she pays or not, and as it stands right now she's flushing £180 of her hard earned money down the toilet  so that the chaps at Lowell can afford a Christmas party. As for the SAR this is everybody's legal right, originally under the Data Protection act 1998 and now under GDPR, it's her right to find out everything that the original Creditor has on her file, and by not doing it the only person she is doing a massive disservice to is her self. As the father of 2 young adults myself, they need to learn at some point.. right?
    • Thank you for your pointers - much appreciated. dx100uk - Apologies, my request wasn't for super urgent advice and I have limited online access due to my long working hours and caring obligations - the delay in my response doesn't arise in any way from disrespect or ingratitude. I will speak to her at the weekend and see if she will open up a bit more about this, and allow me to submit the subject access request you advise - the original creditor is 118 118 loans and from the letter I saw (which prompted the conversation and the information) the debt collection agency had bought the debt from 118 and were threatening enforcement which is when she has made a payment arrangement with them for an amount of £180 per month. It looks as if she queried matters at the time (so I wonder if I might with the FIO request get access to their investigation file?) - the letter they wrote said "The information that you provided has been carefully considered and reviewed. After all relevant enquiries were made it has been confirmed that there is not enough evidence present to conclusively prove that this application was fraudulent.  However, we have removed the interest as a gesture of goodwill. As a result of the findings, you will be held liable for the capital amount on the loan on the basis of the information found during the investigation and you will be pursued for repayment of the loan agreement executed on 2.11.2022 in accordance with Consumer Credit Act 1974"  The amount at that time was over £3600 in arrears, as no payments had been made on it since inception and I think she only found out about it when a default notice came in paper form. I'm a little reluctant to advise her to just stop paying, and would like to be able to form a view in relation to her position and options before unsetting the applecart - do you think this is reasonable? She is young and inexperienced with these things and getting into this situation has brought about a lot of shame regarding inability to sort things out/stand up for herself, which is one of the reasons I have only found out about this considerably later Thank you once again for your advice - it is very much appreciated.    
    • That's fine - I'm quite happy to attend court if necessary. The question was phrased in such a way that had I declined the 'consideration on the papers' option, I would have had to explain why I didn't think such consideration was appropriate, and since P2G appear to be relying on a single (arguably flawed) issue, I thought it might result in a speedier determination.
    • it was ordered in the retailers store  but your theory isnt relevant anyway, even if it fitted the case... the furniture is unfit for purpose within 30 days so consumer rights act overwrites any need to use 14 days contract law you refer too. dx  
    • Summary of the day from the Times. I wasn't watching for a couple of interesting bits like catching herself out with her own email. Post Office inquiry: Paula Vennells caught out by her own email — watch live ARCHIVE.PH archived 23 May 2024 11:57:02 UTC  
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STL heating - Incorrect Boiler Installation


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Good Morning Caggers

 

I got STL Heating to install a New Intergas Boiler for me.

The initial Installation was fraught with issues, but they corrected the mistakes I pointed out to them.

However, the system has not worked properly for the 2 months since installation.

 

 

After no HOT Water again, I had to pay £145 for a gas engineer to come out to tell me that their installation was incorrect with several issues.

I got this on a finance package with them through HITACHI, however, STL aren't taking my calls.

 

What level of recourse do I have as the local Gas Engineer says the boiler works, but by STL Heatings own admission on the sign off paper, it highlights an installation. The cost to fix is circa £1000.

Many Thanks

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Hitachi are joinly and severally liable so let them know that the installation was rubbish and as that was part of the purchase/finance package you hold them liable.

It would help however, to know more about what it is you bought and who from if not STL and how much you paid and then what works and what doesnt as I cannot see any fault on a boiler install costing £1k to put right as my boiler cost about that to install in total including all new gas supply and a lot of repositioning of pipes.

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Good Morning

 

 

I paid £2400 to fit a Standard Intergas OV30 System Boiler, fit 4 x Thermostatic Radiator Valves, Magnaclean filter, New 1600x600 Radiator and Balance the system. The agreement was with STL Heating in Liverpool, the finance with Hitachi attached to STL Heating.

 

 

The issues are;

 

1/ Insecure Flue. It needs to be screwed not a push Fit.

2/ Not enough TRV's added. 3 more need adding and 1 removed from the Hallway where the Thermostat is.

3/ Outflow temp is 76 deg, Inflow Temp is 70 Deg. This was signed off by the STL Heating Engineer. Return feed needs to be sub 55 Deg so the Condensing Boiler can actually condense.

4/ Addition of final TRV's will allow the system to balance. Balancing of the system was never done and could not be without the additional TRV's being added.

5/ 3 way valve Broken. (Not picked up on the installation). Replace valve and controller

6/ Re-add Central heating inhibitor.

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That's not 1k of work.

Flue? Screw to where?

Its attached to the boiler, pushed thru the wall and sealed.

3 TRV valves are around 15 quid each.

2mins to fit

Fixing 2 would more than likely solve 4

Which 3way valve?

Inhibitor is around 10-15 quid

 

 

Why does the return temp need to be 55 degrees to condense?

Tho is not what is condensed. It is the exhaust gasses that are condensed to recover latent heat.

 

One of the hot gases produced in the combustion process is water vapour (steam), which arises from burning the hydrogen content of the fuel. A condensing boiler extracts additional heat from the waste gases by condensing this water vapour to liquid water

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Good afternoon SGTBush

 

Any chance you can come and sort it our for me? :-D

 

All understood. Do you think a good plumber could do the work for me instead of paying £300 per day for 2 days + all the parts and balancing the system?

 

The Corgi gas engineer told me all of the above issues.

 

The 3 way valve is in the airing cupboard next to the Hot water Cylinder.

It is used for splitting the flow between hot water to the tank and the Central heating system.

 

Regarding the temperatures flow of the output/input 76 Deg - 70 Deg, is this as it should be?

 

Many Thanks for your very detailed explanation.

I am fed up with having no hot water and looking at another hefty bill.

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I do know a good plumber but rules forbids me. Plus I dont know where u live.

A 3 way valve costs around 80 quid.

A good plumber would take around a day to fit all this.

£300 for a skilled gas safe plumber and his obbo, about right.

Skilled labour aint cheap but cheap labour ain't skilled.

Get friends recommendations for a decent trades person

Your looking at around 150 fora 3way valve and3 trv's

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Many Thanks for your response. I will sort out a good Gas Registered engineer and get them to do it. The Guy on Sunday said it would take 2 days to sort out. If it can be done in 1 day then the cost reduces dramatically.

 

 

Do you think that the 30Kw Boiler for the house was too big and can does the return temp need to be reduced? It is a 4 Bed Detached with 12 Rooms in total, and 13 Rads. 185m2 (2100ft2)

 

 

Many Thanks for your help.

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get hitachi onboard

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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