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    • Thanks DX - I wondered about the blacked out bits. That's their doing not mine obviously.   Attached is the exhibits part of the bundle. Sorry about this, no matter what I compressed the whole thing down to I got the oversize message, even if the filesize on my computer was showing as well under 4.8mb   The_exhibits-compressed.pdf
    • Thanks Bankfodder!   Hello again everyone.    I received my SAR back from Elderbridge and what and absolute load of **** it is!   1.  They did not send any transcripts or recordings of any phones calls  - both myself and my husband spoke to them in Aug 2016 (noted in their diary notes) and I called them in Dec 2018 (again noted in their diary notes) it was the same day they sent the reply even though they have mentioned me calling in their notes on that day, so not sure I should let that go or not!   I also spoke to them in July 2016 (again in the notes) and I spoke to them in Dec 2012 (again in the notes)    2.  Going through the diary notes in the beginning notes were sporadic mainly because we were making payment and everything was ok, then later as things changed there were notes almost once a month, then in NOV 2012 and Dec 2012 frequency of notes increase as this is when they began court proceedings.  and throughout 2013 again lots of notes made - mostly their in house stuff about court dealings and so on - so that's fine. then in NOV 2013 hey made a not re the court date in OCT - saying that they were ordered to treat the loan as having a fixed rate from inception and sent off etc.  BUT from 21 Nov 2013 to 17th June 2014 there are no notes at all!  Now the hearing was on the 10th Jan 2014!   17/06/2014 14:43 *****Substantial EVS costs to be added to any SF ****** 17/06/2014 14:43 EVS Defended + At the hearing on 10/01/2014 an SPO for 500 on 26/01/2014 and then CMI + £60 wef 26/02/2014 plus MJ for £103,331.03 suspended on the same terms. It was also held that we could add our costs - Defended costs on this case are £33,879.80. 17/06/2014 00:00 Reviewed Reviewed 17/06/2014 00:00 ***Defended Costs*****:To be added to any SF ***Defended Costs*****:To be added to any SF 21/11/2013 04:13 ADHOC Statement Printed From 03/10/13 To 13/11/13 Batch 2015 Sequence 28 Printed 13/11/2013 00:00:00   Above you can cleary see the gap then suddenly the first notes talk about the court case and costs etc, at the trial in OCT the judge reserved cost till the next hearing (also stated on the documentation from the court)  but then at that hearing in Jan 2014 we did not discuss costs - the 6 month gap I feel is very suspicious.    The final court document  dated 13th Jan 2014 says to pay the claimant £103,331.03 which is the amount outstanding under the mortgage and goes on to says order were not to be enforced as long as we pay etc.  no mention of costs at all - so they seem to just be adding them   3.   They sent a field agent to me in Jan 2018, I only knew this as on the 9th Jan 2018 I was working at home and heard the letterbox, thought it was the postman, went to the door to find an envelope shoved through the door with a letter in it saying they had been requested to visit me and that they called today but I was not in! and gave a number for me to call ( I saw the woman walking down the driveway - but she did not ring the bell! and I wasn't about to run after her!)   But in the notes they have written this utter lie!   30/01/2018 12:44 Field Agent Report Received The field agent visited the security address on three occasions. The customer was spoken to through the window. They refused to discuss and refused to answer the door. The contact number on file is not recognised. RFA - Not known Reasons for items not verified:N/A Details of variances of items outside of expenditure guidelines and reasons N/A Property is a detached house in good condation valued at £406,000. Equity not known. I actually cannot believe what I have read here! Can I ask them for some kind of proof of this, because I don't know who they are talking about but it certainly wasn't me!   4.  the documents they had sent me a joke, they have sent 77 documents in total, none of these are copies of letter from Elderbridge (which is who I sent the SAR to) all from First Plus and certainly not ALL of them, they have been bulked out by sending me copies of documents that I sent TO THEM for my court defence and there are strange Black boxes over some of the text!? which I don't understand!     After receiving this info from Elderbridge I decided to send a SAR to Barclays and I got a small package with a couple of letters, some diary notes and screen shot of the account, as well as a short statement of account. This was for our ORIGINAL loan from Feb 2006,  (we topped it up in June 2006) and the first one was closed.  The second one is the one that has been transferred to Elderbridge but Barclays seem to know be denying ALL knowledge of it! and I know that they still hold the beneficial interest of these loans and that Elderbridge regularly contact Barclays for help and advise - I have contact with other account holders who have diary notes from Elderbridge showing contact to Barclays!..   This week I also had a reply from the FOS (only from an adjudicator not an ombudsman) and his initial opion is that it's ok for Elderbridge to claim the costs as we defaulted, he seems to be ignoring my argument that the relationship is unfair etc but I will be sending this back and asking for it to be looked at by an ombudsman.   But was hoping that someone here could give me any advise re all of this - sorry I know it's a lot!!
    • why all the blanked out stuff in the parking contract? and no proof its paid this year either?  
    • pop the exhibits as a sep file i'll merge them for you
    • Thanks.   I've managed to reduce the file size and deleted from this copy all of the pages of photos and copies of the signs. Just their witness statement and the photos of the car parked up remain.   They say "My company relies on Parking Eye v Beavis (2015) in which it was accepted as an established principle that a valid contract can be made by an offer in the form of the terms and conditions set out on the sign and accepted by the driver's actions as prescribed therein"   Is there a refutation to this case anywhere? Or do I not argue that  and just refer back to EB's earlier post and focus on the signs?   "What you are writing is roughly your side of events and referring to the evidence you can provide so that will include their signage, any evidence or lack of authority for them to offer anything, their paperwork if that doesn't create a liability, the POFA where the vital phrases have been missed by the parking co or the timescales missed.   then you pick holes in the wording and substance fo their claim, for example, contractual sum or breach of contract - they are different. are they claiming from you as driver or keeper, cant assume they are one and the same.   What about the amount claimed? it will invariably include unicorn food tax so if they are saying keeper ia liable they are limited to asking for the amount shown on the NTK and you should make this clear as it helps damage their assertion that driver and keeper liability are the same thing   As they havent responded to your CPR request for documents you can start off with that but it isnt a golden bullet, "   thanks Bundle_the_approved,_signed_statement_with_the_exhibits-_Reduced.pdf
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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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30kw boiler is right for the amount of radiators

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get hitachi onboard


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

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