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    • why not simply tell you supplier they have the wrong meter number you been paying for usage , and ofcourse you can view this online too so its not as if you'll owe anything you might get a nice surprise and find you are owed a refund.
    • I would add, many companies have done everything possible to manage and carry on in difficult Covid19 circumstances to supply customers with what they need.   Continually making excuses for delays is not what I'd want from an installer and maybe the £100 deposit is not so important.   Get this deposit back if you can but, more importantly, find a local installer recommended by family or friends to carry out the works.
    • Hello all,   I hope you can assist me, as I am quite lost and confused at the moment.   Two years ago I moved to my actual flat. Throughout this time I have been with EDF first and now EON. When I moved in, my landlord didn't quite know which one was my meter and I picked the one that I believed was mine (now reading you I know I should have done a burner test..). During this time, I have been paying my bills and submitting the numbers that I believed mine, which actually agreed with my consuming patterns.   Today, all the meters appeared with numbers, but the one next to the one that I was using, which appeared with a different flat number. As you might have guessed, none of them had my flat number. I have just made the test and it looks like that one may be mine.   Now, how should I proceed? I have been paying bills is not like I wanted to avoid paying, but clearly there has been an issue. Could you please advice me on how to proceed?   Lastly, in terms of meter serial number, the one that I was using matches my bill and I guess my neighbor bill. The additional doubt I have is, who is paying for my meter and why are they still providing me with gas if no one is paying the one that seems to be my real meter.   Many thanks!    
    • Hi J,   You must decide what's your priority - make the gym honour what you were offered originally (perhaps trying to draw you in) ................   ............... or pay what they're now demanding to get the srvice you want.   Surley it's worth a go ?
    • Well I bit the bullet and sent a really polite message asking if all was ok and requesting an update . No response so far so let’s see what happens . If and when this is received a donation will certainly follow . Thanks for responsed 
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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
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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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3 hours ago, Hornsey62 said:

You are giving them a false sense of security which is so wrong. Your first advice cost me £2000!

 

not sure if you mean the N244. but we have never said ignore letters of claim (not that that can really hurts anyone), but most certainly not a claimform. not sure how a default judgement CCJ was it?, resulted in BK, that's not a process from attaining a CCJ thats even legally available hence they went for the useless restriction k which you've now paid.

it's just the chain of what happened to you doesn't make legal sense.

 

4 hours ago, SquaddyP said:

I was advised In court by the barrister not to post specific names dates etc as this site is monitored. I was then as part of CWD expenses charged for them monitoring this site. I have their claims if anyone wants to question. 

 

as you know we never wanted nor needed specific name in any paperwork squaddy, as for being charged for monitoring this site, blimey they really did lay it on thick cheeky beggars. ...to what end you being charged from them doing that is and why a judge allowed that is  quite frankly amazing. are you not allowed to seek advice??

 

the majority of people lost because most of the required information was not made available here in a timely manner if at all for CAG to be able to help, sadly it's a very common ploy with fleecers that act in this manner..by that i mean the original creditor although named as the claimant is 9/10 not aware of the claim or doesn't care as in this case. it's solely an exercise by the solicitors and their cohorts to gander costs to their pocket.

 

a patsy is someone paid more to take a fall than the fall itself...they have been here even in your thread and on every forum esp to do with UAE debts. money buys friends and so does a golf match with the judge and his mates.

 

expat..

if what you say is correct. it your sole debt on a jointly owned property, then a CO is going to be useless to CWD, but the above from felix52 explains why the original creditors wont accept settlement. they dont want it nor need the money...

 

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 guys can we all stick together. .we have a reason we are here and why i joined this site. I didn't get the outcome I wanted but can we learn from past mistakes and move on.    Isn't k

No one is starting war..   Debt is a very emotive subject especially when we the little people have pay the price for all the s... that goes on in finance 

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On 15/09/2020 at 17:29, SquaddyP said:

It was declined a second time. I pay the CCJ monthly.

 

What makes you think it won't be declined a third time?

If it is, depending on how much you are paying each month and how long those payments would last until you repaid the debt, you could consider an Individual Voluntary Arrangement.

 

Assuming you have equity in your property;

It's a form of insolvency which would prevent a further interim order application or bankruptcy petition and leave the debt unsecured. It would also protect your equity.

 

You would need to make payments of £60 - £100 per month for six years.

Then all (caveats) of your unsecured debt will be written off, it could work out cheaper then paying the debt.

 

There are conditions which you and your creditors would have to meet for the IVA to be implemented.

So no guarantee you will get one. 

 

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please be very careful of IVA's

most simply line the provider's pockets with your money in monthly fees... very little actually goes off the actual debts the IVA is supposed to service .

 

most IVA's through one reason or another Fail and you find the few £'s a month that did filter through to your creditors in The IVA has simple run the those debts SB dates to infinity.

 

a good trick if you do have registered CCJ's ( very worthy to check credit files or trustonline sites esp with UAE debts that a CCJ is THERE!!) bung in an N245 to vary the judgement, then things cant ever escalate further.

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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6 hours ago, dx100uk said:

please be very careful of IVA's

 

Agreed, seek full debt advice from a regulated debt adviser before applying for any type of insolvency.

 

Do you know of statistics that prove "most IVA's through one reason or another Fail"?

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On 15/09/2020 at 16:57, Andyorch said:

Why do you not own any equity ?

Charging Order or Restriction type K ?

Joint debt or single ?

Joint Mortgage or Single ?

 

You really cant object to a interim charging order.....Hornsey tried and see what happened....its automatically allowed since the changes..whether your in default of the judgment payments or up todate.

So is it a waste of time sending in the objection? It says on the order I can object in writing and the court agreed?

 

interim charge order (N86)

equity joint (three parties)

mortgage joint

debt single 


please let me know if I shouldn’t respond or not?

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I cant advise whether you should or shouldn't object until you answer my last questions

 

Why do you not own any equity ?

Charging Order or Restriction type K ?

Joint debt or single ?

Joint Mortgage or Single ?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

If you want advice on your thread please PM me a link to your thread

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So you did...should have gone to specsavers......so as this debt is in your name only only a restriction type K can be placed on your share of the equity.

 

You have still not explain why " you dont actually own any equity "...you can PM if you rather this was not divulged on the open topic....as this may be important and possibly stop any interim charge.....subject to your response.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

If you want advice on your thread please PM me a link to your thread

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