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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/
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    • 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.
       
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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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🤬Im so livid

 

joined talktalk £19.99 per mth extra for reminder text mail cost extra & 100% sure that late fee wozt told to me £7.50 id not of joined as on fixed income, i woz given P.D 3rd everymonth they woz taking bfor that date then charging me if not in bank last Nov they tryed taking on 1st id not put it in then wen they tryed agen £27 id put 20 in so nov not paid Dec 19th my last month id no internet they restricted it 😡im getting very annoyed as £168 theyr asking & av ad Debt Collectors bugging me i explained the agent woz shocked then telling me May is wen they cut it 5mths over i beleve they owe me they kept trying take bfor due date then told me the date woz different ,All calls recorded i shud b able get copys is that correct  

PLS WATCH FOR THE DUE DATE & WEN THEY TRY AS I DONT BELEVE I WOZ TOLD A LATE CHARGE 

Anybody got any advice as i beleve 4 times bfor my due date over 50 in 1mth id paid thinking it woz 2mths 

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can you please put that up in English not text speak please.

 

and put a few line breaks in!!

 

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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Yes im sorry i was rushing a little aswell  wrighting and spelling arnt my strong point , 

its only my second time

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Hi Mizzy,

 

Please take some time to post or type in a way that we'll find easier to read - that way, more people will be willing to help you.

 

Even if spelling and writing are not your strong points, try to avoid text speak and use paragraphs to space out your post (like in my post here).

 

Turning to your issue with TalkTalk,  you're paying £19.99 per month; extra for reminder text; extra for mail too  - is that all correct ?

 

You thought DD would be taken on the 3rd of each month but they take it earlier, then charge you an admin fee if it is not paid by your bank - correct ?

 

Have you spoken to TT about this and explained that they're taking the DD early before money is in your bank, so this is costing you extra fees with TT and with your bank  (when they bounce the DD).

 

A friendly chat with TT may help but you need to stay calm - this may help get fees reduced and the payment date moved so you have money in the bank ready to cover the DD payment.

We could do with some help from you

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  • 6 months later...

😡🤬 Im so annoyed at talktalk i owe £20 payment ,But agen they tryed talking bfor due date & charge £7.50each time 3days bfor due they attempted ,no payment due date i put in but they tryed £26 id put 20 (iv bin told payments cant be taken bfor due date ?id already asked if they wouldt do agen),my bband was suspended Yet only ad 19 days left ,i tryed calling but left it like that i noticed emails going up to 168 i owed them Not a chance ,I got a call from debt agancy  i explained 5mins he told me they shut the line May an extra 6mths nrly ,😡 he sed he'd sort it .I herd nowt then out the blue a call from an angry lady as i didt no if a prank so i wudt give details out i felt bit uneasy as im on my own ,few days later same lady id defo say she tryed intimadating me ,Saying Ttalk ad sold the debt on im very disgusted as its not my debt (i was told write ask for all recorded calls id made iv herd nowt back) i was given a date for payment they tryed & did take bfor it charging me £19.99+ 22.50=£40+ for 1 mth ,I wozt told of a 7.50charge extra they kept breaking the days,the calls will prove everything ,Now im so mad 😡😡 selling it on i get but it did get to me as they cud of bin at my door not a call iv kept all my documents would it be worth reporting as im none the wiser if il get another call or wot ?? Thank you

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  • Andyorch changed the title to TalkTalk gone to Far

Topic moved to the appropriate forum....please continue to post here.

 

Andy

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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old and new threads merged 

 

please do as asked back in march when you 1st posted before and use english and sentences please spaced out 

 

dx

 

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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hi sorry about that i never no were to post 

 

Iv not had a phone mine went off ,so not ad chance borrow one im just trying get my passwords reset.

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