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    • Hi Andyorch please can you confirm is this the correct form I need to use as I just searched and it has bought up a different form as in here https://assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/732360/N244_web_0818.pdf
    • Thank you Andyorch and BankFodder I will go through this now, Please advise if I need to repost it up or just copy and amend the form with the details and send it off Tomorrow I can attch the Pdf version tomorrow, also the claim amount plus costs and Interest are higher than in the amended notice, should i include the figure in the claim or leave it at £7700 and just add the name of my Daughter
    • I must withdraw from the course as Student Finance England will not fund my second degree which is an exception degree. For I been told of an outstanding debt that I had no idea existed, which was sold to a third party from my original degree. SFE told me that there no outstanding debt when doing my application but now informed me that they sold half my loan to a private company that put a block on my account.  I tried explaining that I never earn over the threshold so no payment was due, which sfe agreed but they say they can do nothing about the block on my account by Erudio.  I rang Erudio to explain but they said will only remove if I fully pay even though I am under no legal obligation as I never earn the threshold, plus I cannot afford 8070 pounds.  I spent hours telephoning looking for a solution with no luck, I contacted Student loans England, Student Finance England, the University credit and finance but no luck in finding a solution. But I really see a solution being found as I don't want to liable for course fees as I can't afford them without SFE loan.  What makes it worse is the university stringed me along even though I phoned them on 28/10/2020 and raised this as a concern that finance not been received and she assured me the cut off point was 18/11/2020, I received my decision on 21/11/2020 i immediately withdrew from the course.  But when I rang the university to explain that these are circumstances out of my control,  and its not like I don't want to continue the degree there no finance she said well we charge you 2250 pounds because you two days over the cut off point. I told look at system notes I already telephone with concern and now they sending me invoices, totally stressed made appointment with Student union adviser I find it amazing they try to take advantage of me in this way.  If anyone has any advice please I would very much appreciate it.       Just add I rang erudio whom informed me the debt was Stature barred in 2010 and they bought loan in 2015, and they only remove if I pay it in full which I cannot afford, this reason I have drop out.  On my SLC loan every if up to date and there no outstanding balance there deferment till 2005 and then gap in 2018 it says   Annual Unmatched customers/oversees/Not eligible to repay statement.  I did move address erudion had my old address but slc had my new address.  Anyway the lady said that since I did not fill in my deferment regardless if I can prove I never earn over the threshold that the debt had been statue bared,  If anyone can tell how I handle the university whom going after for a whole term payment just cos I was two days over the tutor said she allow my withdrawal from the 18th but I don't know how the university will act.      
    • Some 162,000 mortgage payment deferrals are still in place, after dropping from a peak of 1.8 million in June, according to UK Finance statistics View the full article
    • Okay. The plumber can have a quiet life but you need something from him to describe the installation, and also that the expected life of a copper cylinder would exceed XX years even in the case of corrosion and that corrosion at only five years could not be described as "normal wear and tear" and is likely to be caused by some inherent defect. The fact that the terms and conditions of the warranty are not clear will help you because at the end of the day I think you are in a position simply to say that you understood it was guaranteed and that no terms and conditions were set. That it was absolutely reasonable to expect that if there was a defect in the item then the reparation would include not only the replacement of the cylinder but also all associated costs. I think I've already suggested that you get a couple of written opinions about the expected lifespan of a copper cylinder – even if they can't give you a lifespan, they can certainly comment on corrosion occurring within five years. You are doing all of this for your neighbour. If this runs to a legal action – as it probably will – then your neighbour is going to have to do this. Does your neighbour understand this? The chances of you succeeding in court are extremely high. The chance of this actually going to court are much lower because it is much more likely that they will put their hands up. I would suggest that you might be best off suing the manufacturer and the plumber's merchant together as first defendant and second defendant. If they are sensible, they will pull together on the cost. I'm assuming that a new cylinder has now been fitted – is this correct? Presumably you have the invoices for the purchase and installation of the new cylinder. Presumably the new cylinder which has been fitted is the same or equivalent to the one which corroded so that there is no particular difference in the cost.
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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
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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.
       
        • Thanks
      • 3 replies
    • 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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Hi guys.

 

Made the mistake of booking an Xmas break with Teletext holidays.

Paid £700 deposit approx and 700 a month to go out up till Xmas.

 

 Like an absolute fool, only after I received the details did I investigate And discovered a nightmare awaiting me at sabiha gocken airport for transfer.

 

Tried to call them to amend and had a real lary woman on the line.

She ended up hanging up on me.

 

Got through to someone else, he was polite And said someone would call within 48 hours to amend.

No one has called and I've since researched Teletext holidays and realised my mistake.

 

Can I get out of this?

Chargeback?

I'm really stressed out.

What a mistake !

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Hi Gavino,

 

chill down, it will be fine. Give us some more detail so we can help you:

 

  • Where is your holiday to?
  • Did you book it as a package holiday, or flights + hotels separately?
  • What nightmare are you talking about? Is Istanbul your final destination, or are you transiting only?
  • How did you pay, DC or CC?
  • When did you book it?
  • When is the final balance due?

 

No matter what you do, do not cancel and lose your deposit.

 

Cheerio

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Hello kyosanto

Thanks for your reply. The trip is to sharm el sheik on the 22nd December for 21 nights. 

 

It's a package. We're transiting through sabiha gocken with Pegasus airlines. We have a 3 year old. The wait at sabiha is 6 hours. After I had booked it, I done some research on sabiha and pegasus and the general opinion is that they're both terrible.

 

The man from Teletext holidays had also promised me (for free!) 2x 20kg luggage, yet on the itinerary it says 1x 20kg and X3 hand baggage. Lied to me.

 

Paid £700 of £2798 by debit card. We have changed out card recently so no more payments can be taken. 3 more installments to be paid by nov 22.

 

Booked it sept 2nd.

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Right'o! So as you booked this holiday recently and with all knowledge of the pandemic, you won't be able to hang onto that for a cancellation.

 

You will only be entitled to cancel free of charge if the travel company makes "significant" changes to your hotel or your flights.

Unless that happens, the agent is entitled to charge you a cancellation fee. If you are serious about backing out, you can ask teletext how much cancellation fee they would charge for backing out now (the earlier you do this the smaller the fee will be). As far as I know the cancellation fee must be reasonable eg they can't legally ask for the full amount - but that will be for you to battle if you disagree with the amount.

 

Before you take such drastic measures. Regarding the holiday itself. I don't know what kind of research you did but I dare say you might find that some people on the internet are blowing things out of proportion

Pegasus airlines: They're no more or less horrible than Ryanair, EZ jet, or BA. If you have flown in one of these you will be able to fly in the other. Pegasus safety record is okay this is what matters. Your seats will be cramped and the coffee and sandwiches will be overpriced, this is what air travellers have to put up with nowadays.

Sabiha Gocken airport: 6 hours is a slightly awkward timing indeed. The airport is really far away from town, so 6 hours is not long enough to do some tourism and you'll have to stay at the airport. That said, to make it more bearable there are paid lounges which I recommend you use, so you and your kid can chill rather than stay in a busy airport hall. Pegasus has a paid lounge here: https://www.flypgs.com/en/travel-services/other-travel-services/isg-lounge. Try and get reservations in advance, as you don't want to be caught when they're full. If you don't trust Pegasus, there are also lounge cards you can buy on the internet for something like £100 a year, if you travel frequently with kids, they're worth the expense. (google priority pass if interested)

 

End of the day you're going to be flying for long hours in cramped aircraft with a very young kid in tow and that's going to be an adventure, but it was going to be so regardless of the airline or the airport itself! If anything the 6 hour break might make the flights more bearable.

 

Finally regarding your gripe with the luggage allowance, did you get that promise made over the phone? If yes, bad stuff, because you won't have a record and it will be your word against theirs. I'd suggest you contact them (either in writing or record your call if you phone) and ask them to clarify your luggage allowance. Say you were promised 2 bags and only see one on your confirmation. It might be just a clerical mistake and you're actually fine. Or it might be that the agent who sold you the package got the info wrong. In that case, you should be adamant that this is not what was agreed on previously, and that you would never have agreed to purchase the holiday without 2 bags allowance. Keep calm but firm. If they won't budge, ask to speak to a manager and say - very politely - that you would like to make a complaint about the employee who mis-sold you your tickets.

For the record it's a fairly frequent occurrence that travel agents get stuff wrong - the best is always you get a full quote in writing before you make any purchase and double check the fare conditions, but that's a lesson for next time.

 

For what it's worth it is a lot more likely that you'll get them to bump up your luggage allowance, than to get them to cancel your holiday free of pain :)

 

Good luck!

 

 

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Wow, you're super knowledgeable!! Thank you so much for taking the time to give me such a comprehensive reply. I actually feel much better now and I think I'm just going to go...

 

Unless it gets cancelled 🙄

 

I'll chase that baggage up as you've said.

 

Thanks a lot, I really mean it. I'll let you know what happens re baggage

 

Gavin

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Ahh no worries at all :) happy to help. Let us know how that went for the baggage!

On a slightly more ominous note, looks like we're headed for corona hell again, but we can see how things are like Xmas time...

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Yes, I'm a bit nervous !!! I have emailed them regarding the baggage and had no response.

 

I have another issue regarding work I had done in my local garage i need help with, can you help?

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Start a new topic in the Garage services Forum.

 

https://www.consumeractiongroup.co.uk/forum/48-garage-services/

We could do with some help from you.

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