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    • Every day and every week of delay is causing large numbers of deaths.   I just found this about Sir David King, ex-government scientific advisor and chair in Independent Sage. He thinks government inaction is tantamount to criminal.   https://www.lbc.co.uk/radio/presenters/eddie-mair/former-chief-scientific-adviser-government-criminal-mistake-covid/
    • Apologies HB. Thanks for moving.   Thanks Emmzzi, just what I was looking for. That helps a lot.
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    • Plans for the Mitsubishi SpaceJet have been frozen due to budget cuts amid the virus downturn. View the full article
    • your right to reject has not been affected. at the very least you now have moved into the 6 months period where under the Consumer Rights Act you are entitled to give a single opportunity to repair after which you are entitled to reject the vehicle. maybe it will be a good idea to provide them with a letter to make  clear your position and what will happen if the whole matter isn't completely sorted out.   If that appeals to you then you might like to draft a letter and post it here and we can have a look. I think it's a good idea to state your position clearly so that nobody is in any doubt.   in terms of your part exchange vehicle, if you reject your new car then they will be obliged to refund you the entire asking price of it. In other words they will be obliged to substitute a money value for your old vehicle.   it might be worth stating that as well in your letter for clarity. I would suggest that in the intervening time it would be worth making a list of all the losses that you have suffered as a result of this situation and then if it looks like a worthwhile figure then we can help you claim it back            
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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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Purchased HDMI lead online Via Finance, mfr recall?


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I placed an order in early December 2018 for a surround-sound speaker system, along with HDMI leads. The items mostly turned up on time, but the HDMI leads were "awaiting stock from the manufacturer". I have since had a to-&-fro via email with the online supplier (a well-established UK company, who also has several physical stores in the UK).

 

I have now been told via Phone that the leads have been cancelled/recalled by the manufacturer due to a quality issue, & cannot be supplied. This leaves me out-of-pocket by just under £200.00. The phone-discussion I've had with the online retailer has been pretty disappointing, they are saying that as the goods were purchased via Finance, they cannot refund me the balance I'm owed, & have tried to suggest that I find "goods to the value" from their website. But I do not require anything further, & would rather the difference is refunded, to the card I paid the 10% deposit from. (10% deposit being far less than I'm now owed).

 

They are playing nice for now, but are insistant that they cannot just make a refund for the sub-£200- owed (I don't believe this at all) & that the alternative is to send everything back to them (I no longer have any boxes for the speaker system, & they have said maybe they can get the manufacturer to send me empty boxes to box it all up & return it, cancelling the credit agreement.)

 

I am perfectly happy with the system I've purchased, & have no intention of returning it.

 

So this is a tricky one - I am fully aware that it is possible for them to just make the payment from their business to me, they have stated that Hitachi would not allow this, & it would invalidate the agreement - they have also claimed that they only receive "Monthly, incremental payments" from Hitachi as the credit provider, therefore they have not received the full amount of the credit agreement (this seems highly doubtful).

 

If anybody can shed any light on where I stand, I'd be grateful.

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is the finance interest free?

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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Please can you tell us who the supplier is. Although you say you don't want to hand the system back, the contract hasn't been completed so your 14 day cooling off period has not yet started. Furthermore, as what has been supplied to you is defective you are entitled, in any event, to demand a refund within 30 days. In your case, as the contract has not be completed, your 30 days is simply continuing and extending and would not end until the 30 days after the completion of the contract.

 

The retailer's story that they cannot refund you because of the finance is complete rubbish. Who has financed the deal? Also, pardon me asking, but are we just talking about HDMI leads here? And why should they cost £200? And are you not able to source them elsewhere? If you are able to obtain them from some other place, then you could think about getting them and then proceeding against the retailer of the system for the refund. As you seem to be asking for a refund in any case, it seems to me that you are able to get them from an alternative source and frankly I think you should do so.

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Please can you tell us who the supplier is.

 

 

 

The supplier is SuperFi, to clarify it's only the 2 leads (QED Reference)at £90- each, but QED has recalled this HDMI lead on a quality issue. Therefore I wouldn't want to find this lead elsewhere, as the fault apparently is present in all stock. I have said I'm prepared to accept a different brand of HDMI lead, at £35, but due to a change in my system setup I only require one. So basically, I want the alternative branded lead, & a £145.00 refund. Hitachi are the Finance Provider. Superfi are saying they can't accomodate this, & mentioned "pulling the order back from you" - This entails a 5.1 Surround system, brackets & speaker stands (all received on 12th December last year). I'm perfectly happy with the surround system & have no intention of returning it. I have made them aware that all the boxes & packing have been disposed of, their response was "we can go to the speaker manufacturer & see if they can send you the empty packaging" - ??

 

TBH it's getting a bit laughable now, they've stated they will offer me any equipment they sell at the lowest possible price, up to 30% off their stated price, but there's nothing else I need. What a load of fuss on a £145- refund, from an £800 sale. They've been ammicable about it, but insisted on moving from email comms to phonecalls, which always raises my suspicions.

 

Surely I'm entitled to the refund, the simple option, or can they insist on the equipment back that I already have installed?

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