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    • This is a good article on how to try and spot whether a phone call about Track and Trace is genuine.   https://fullfact.org/online/test-and-trace-scam/
    • Goldman Sachs-backed Marcus Bank has brought back its one-year fixed-rate deal, but the account actually pays 1% now, a lower rate than its easy-access deal which pays 1.05%. View the full article
    • The Independent are saying that Boris is dropping the promise of not allowing US chlorinated chicken, hormone-fed beef and so on.   https://www.independent.co.uk/news/uk/politics/chlorinated-chicken-us-trade-talks-boris-johnson-trump-a9549656.html#gsc.tab=0
    • The problem with these small debt amounts is that they can hang around like a bad smell. Every now and again you will start to receive letters followed by phone calls. Then it will go quiet and you will have another debt company chasing you. This could go on for many years.   Ignore DCBL as advised.   Send a complaint letter to ELE/Engie, asking why they have asked DCBL to chase a debt, when ELE have never sent any such bill to you. Then explain that you received a final bill relating to address xxxx and you paid it. If somehow there had been a billing error, ELE were advised of your new address, so they should have written to you at the new address.        
    • Of course it could be the same company trading under variations of the same name in order to dilute their bad reputation. In terms of the money you paid, section 15 of the Supply of Goods and Services Act says that where a price for services has not been agreed then a reasonable price will be implied. I gather from what you have told us that they give you the price in advance and you agreed. I'm afraid that on this point, you would be bound to pay the price because contract law does not help people to make good bargains. It simply requires the people stick by the bargains they have made. On the other hand, if they undertook to do a certain job of work and to achieve a certain result – and that result wasn't achieved then you certainly have an action against them. The problem is that a company like this may be difficult to get hold of unless they have got a very clear office or workplace and some assets. The second problem is that you would probably be required to have given plumbforce the opportunity to come back and try again – and unfortunately you didn't do that. This means you tried to make a claim against them, they would probably argue that these plumbing problems they always take one or two goes to fix and that a reasonable person would give them an opportunity to sort it out before going elsewhere. I'm sure you're absolutely right and these people are completely overpriced – and it seems that they have done a bad job – and of course the reviews don't do them any favours. However, I think you're going have difficulty getting your money back on this – although if you want to try, will be very happy to help you – but I'm sure that it will go to a small claim in the County Court. Of course this would be an interesting exercise for you if you have the energy. It's quite simple – but of course you do risk your claim fee and your hearing fee if you lose. I can imagine that if you produced evidence of their reputation and what has happened in court that the judge will be disposed to find in your favour regardless of the arguments which I have suggested that they might put forward. The final risk could be that they would say that you are only entitled to recover the cost of the second plumber required to finish the job that you had paid Plumbforce for. In other words about a hundred quid. It's not a bad argument – I don't know if it is a winning argument – and as I probably wouldn't bother to be represented, they might not think of it for themselves. However, I'm just letting you know of all the possibilities in this problem. Of course I think one of the lessons view is to make sure that you get at least two quotes for everything – even if it seems to be an emergency. When your new home, it's worth making sure that you gather a list of reliable support services – either from your experience or from the experience of neighbours who will already have been through it. That way you can be reasonably certain that if you have any other problems with heating or lighting or water – et cetera, you will have one or two numbers to hand that you can call on with a certain amount of confidence.
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I have had an tempary arrangement to repay a debt i had when in business .But now as i only have an income from my new employement i am in a negative income situation and should pay only a £1 but i pay £10 per month . They accepted this but now want a settlement figure paid of which i do not have or issue a section 268 for bankruptcy the amount is for £800.00 for settlement (not Full) and Is £1597.00 debt to Yell

I have to pay this by the 2nd Jan 2007. help quickly please:-(

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Have you assets that would make it a sensible option for them to make you bankrupt? It is very rare for creditors to do other than threaten bankruptcy as the cost to them is very high.

Has this debt already been to court?


Consumer Health Forums - where you can discuss any health or relationship matters.

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House 200k mortgage 105k married mortgage in sole name but equal joint owner with wife

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I still think it highly unlikely they would file for BR on a debt that small although it is not unknown. Has this debt already been to court for a CCJ?


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Have a read here National Debtline England & Wales | Debt Advice | Factsheet 01 Bankruptcy

 

Should help put your mind at rest and answer your questions.


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Hi Everybody,

 

This is my first time on this forum and I must say I have found some of the past threads already supportive and informative. It's obvious to me that some members have had dealings with Tenon Recovery.

 

I am employed as a General Manager/Pest Control Technician of a small Limited Company consisting of three people. We have advertised for the past four years with Yell Limited and towards the end of last year they sent their national accounts guy to see us as we were considered a valued customer. Stupidly I fell for their advice in upgrading our advertising to the tune of £15,000.00 for the year. The advertising started and our payments still continued from one order to the new order (montly direct debit payments). We initially paid £3,000.00 towards the current order but then stopped as the sales didn't come in. I contacted Yell to explain why and sent them a letter explaining our disappointment in both the advertising and the advice we had been given. The response was that Yell are only responsible for the advert being placed in the directory and not any advice or lack of sales. The sales guy presented all his facts and figures etc. with the various glossy brochures and laptop, but this isn't considered as advice apparently just sales puff.

 

We were advised to obtain third party confirmation of our ability to pay in installments as we are still trading with our existing client base secured mainly on service agreements. Whilst we were in the process of compiling this information with our accountants a letter from Tenon Recovery arrived, they have threatened insolvency. My wife is the Director of the Company and especially at this time of year this is not the recipe for a happy household. We have two small children with a mortgage and cannot stop worrying.

 

From what was a viable business trading for the last four years we are now worrying that it was all in vain. I have sought legal advice and our solicitor has offered installments of £500.00 per month for the total amount to be paid or £1000.00 per month for the next 8 months (£8000.00 in total). Since the offer, a default notice has crossed in the post. However it not only has the Limited Company name listed but my own personal name. Can they do this? This will obviously affect my own personal credit rating. I'm under the impression that a Limited Company is it's own legal entity, I'm only an employee, I'm not a Director or shareholder.

 

Does anyone know if they have to accept our offer or can they really make the Company insolvent? There is minimal assets in the Company and as there are other creditors (bank overdraft and business card) they won't get hardly anything. I have also looked at their agreements and they do not conform under the requirements of the Credit Consumer Act, Section 7 1974. Again my limited understanding is that as a Limted Company we are not given protection under the Credit Consumer Act 1974. How come Yell Limited/Tenon can have rights by constantly quoting the Credit Consumer Act 1974? This hardly seems fair.

 

Does anybody out there know anything that may help. I would sincerely appreciate some advice and who knows from my life experiences I may be able to reciprocate.

 

Regards,

 

Mr. Angry/concerned/worried :confused:

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