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    • Apologies HB. Thanks for moving.   Thanks Emmzzi, just what I was looking for. That helps a lot.
    • Please monitor this thread for a reply later today
    • 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            
    • Morning dx its signed, will post a picture when I get back from work what they sent her and have a read of some of the thteads you mentioned.
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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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Liability order from 9yrs ago to terminally ill father


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Hello everyone,

 

I’m looking for advice for my father. 

 

He received a letter from the Chelmsford City County Council stating that a liability order had been made against him in 2010 and that he now owes 12,000 for business rates. This was a complete shock as my dad has been paying his rates for his restaurant and had never been informed that such an action had been taken. 

 

My father was devastatingly diagnosed with terminal cancer last year. Since then he has found it extremely had to run his business, but without an alternative source of income, had to continue though extremely ill. It is heartbreaking to watch. 

 

This letter has had a profound affect on him. He is so panicked and stressed as to where this has come from and how on earth he will pay this ridiculous amount. He is the type of person who believes the council (in fact all authorities) blindly. He doesn’t realize that there an admin error or that it could be illegal to pursue this after so many years. Always such an upright citizen he is tortured by this demand for money. This should not be right at the end of his life  he should be worrying like this. 

 

I need to help my dad by having a meeting with the council in the next week. My dad is petrified that the bailiffs will arrive if he doesn’t sort this out ASAP.

 

I need advice as to how to deal with this. How do I challenge this? What should I be saying to them? 

 

Surely thete must must be some vulnerability criteria for people who are terminally sick? 

 

It it would mean so much to me to have your thoughts and advice. 

 

 

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just remember..LO's don't expire

they at present don't know his condition

but in all honesty this was from a time far prior to today.

 

your best bet is to sar them and get all the info.?

 

 

 

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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If your fathers Doctors have issued a DS1500 or letters regarding his current state of health, suggest a copy is provided to the council.

 

As far as I understand it, a LO has to be applied for within 12 months of the rates/tax liability being created due to non payment.   Which is why it is important to submit an SAR to the council as dx suggested. I would also send a dispute letter advising that the council have made an error and that this must be fully investigated. 

We could do with some help from you.

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With the council it is likely against their own code of practice to be chasing someone in a state of health such as your father.  GP/ Consultant notes, detailing condition, treatment side effects etc may be enough to get this written off.  

 

This should be emailed and sent to your local councillor with the elected head of your local council copied in. They should also have their mobile numbers listed in Google, so give them a call today, speak to them, if they don't pick up, leave a voicemail. They are your friends in this situation and it could all be resolved very quickly.

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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

 

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

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Thank you all for your replies. I appreciate all the advice. 

 

London 1971, good advice - thank you. I’ll see who I can find today and let you know. 

 

I will ask for an SAR too as it seems completely bizarre where this has come from. 

 

I have have a meeting on behalf of dad on Thursday with council. Hopefully I can glean more information then. 

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Yes , SAR is joint top Priority,

 

But remember with the local council, your local councillor combined has far more power than anyone you will meet in revenues or collection. 

 

 

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

 

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

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