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as i said unsure of what this 15% is about. the FOS/FCA clearly describe how refund calcs show have been made the their relevant sites. p'haps at this juncture it might be better to scan up to ONE multipage PDF their refund letters another set of eyes is always belter. please read our upload guide carefully -
I wouldn't bother with emailing Virgin's CEO. In April I started a complaint about my BB connection which they repaired quickly but charged me to repair. I was mostly ignored or promised resolution that never happened. So I complained by email to the CEO, twice, demanding written responses. On each occasion, a lowly call centre worker called and it was obvious they knew or cared little about my actual case. Finally I got a written reply confirming the charge was dropped but not a penny offered in compo despite the issue taking months to resolve. Virgin don't take CEO complaints seriously. -
By burmafriday · Posted
Dear All, BN, BF, HB, - Thank you for your comments. Yes sorry, i wanted to save some time by doing that as I wanted to carry out the posting ASAP OK, I have redacted the statement and it is attached here in the PDF doc. Its our 2nd draft and I will fine tune it tonight / tomorow. Thank you for putting me right. Warm regards BF Counterclaim-1.pdf -
So according to this calculator my refund should be £4562.96 at the 8%. This is in line with some of the management firms calculator on-line. I have checked their letter again and they have paid from 1 Jan 1989 - 1 Jan 1994 only. They have refunded all the insurance premiums totalling £469.50 and the interest paid on the premiums to date of £257.90. Additional interest of £1,436.36 after tax on top of refund as compensation. Statutory rate of 8% from 1 Apr 1993 and at 15% before that. They have not provided a breakdown of payments from 15% - 8%. Only below: £ 469.50 - Refund of PPI premiums paid £ 257.90 - Refund of interest charge on the premiums paid £1,795.44 - Statutory compensation -£ 0.00 - Less any previous successful claim -£ 0.00 - Less any previous refunds made directly as result of this policy -£ 0.00 - Less any statutory compensation already paid -£ 359.08 - Deduction from any statutory compensation interest for income tax at 20% _________ £2,163.76 - Total refund due This will be the second time I am returning their calculations. They made a decision last year and used a wrong date as they could not read the date and made up a date then it went to the back of the queue to be recalculated. I had already queried the refund amount with them and they have moved the date again from the 22 Jan to 1 Jan! Are they using a different calculator/principal why the figures are so far apart? How am I going to show them this calculation without it going to FOS and sitting there for years to be assessed? Can I also ask how to do the 15% calculation? Thanks so much. -
By honeybee13 · Posted
Hi Burma. You've been here for a while and I have to say I'm a bit disappointed that you're PMing this to various people off the main thread. Advice by PM isn't what we advise here and I hope that you can post up your anonymised documents very soon. HB
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Hermes lost parcel. **WON**
murraynt posted a topic in Postal and Delivery Services,
Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/- 49 replies
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@247homerescue broke glass oven door
Mazzh posted a topic in General Consumer Issues,
Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391- 49 replies
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Mazzh, -
A Shade Greener – ASG boilers – Everlasting Boilers – Maintenance and repair to boiler ending contract
ALLCHAR posted a topic in The building trade and installers,
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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Post in Need to make final payment offers after years of paying my debts off - can no longer afford them..
comebackjimmy posted a post in a topic,
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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