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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
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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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Big Claim aginst RBOS


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Phew. Wishing you the very best for tomorrow Sparkie. :)

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Well I’m back and I’m sorry to report the court would not grant me my order for further disclosure, :confused::mad:the Judge took the view that even if he ordered the disclosure of further documents, they would not assist in adding to the potentiality for my claim for Breach of Contract misappropriation of funds and wrongful dishonour of cheques

 

He was not interested in my claim of false accounting fraud false statements in statements of truth, and all the rest misrepresentation as he said they were not civil claims.:mad::mad:

 

The only good thing was about costs Cobbetts tried to add another £1200 to their bill of £3700. plus travelling plus Vat.

 

He did tear into the Barrister about that and said the fact that she was trying to claim for preparing Lynsey Robinsons witness statement said , it was a sorry state of affairs when a solicitor a firm such as Cobbetts need a Barrister to prepare a witness statement.:lol:

 

He awarded them £900 costs and no more……..the Barrister then said could she have a tape of the judgement on costs the he went ballistic saying so you are thinking of appealing against my order of costs …….."may I remind you I have full discretion for order of costs and IF I had not already made the ruling I would have reduced it basic costs":lol:

 

That’s it……its back to my claims again ………First one Unlawfully processing data, because they have admitted they can’t supply my account opening documents which would have contained my consent to process data ….so undeterred sparkie’s back on the hunt in the mean time I’ve found a firm of solicitors that will probably take my case of Fraud, False accounting false statements etc on community funding , because there is "civil fraud "got to ring them tomorrow………………….because personally………… I’m on pension credit.:-D:-D

 

Sparkie……I’m having a few consolation beers now ……cheers:-D

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Hi Sparkie,i am so sorry to hear that, whats the Justice system coming to! Dont give up, thats what they want.Get your claims in court and let everyone know what they have done. The truth always finds its way out,in the end. Good luck.

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I was truly sorry to hear this Sparkie. It seems very unfair that you are being prevented from bringing this to light. :(

 

Just one question. If it isnt a civil case.. Does this make what they are doing/have done a criminal offence?

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Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Just one question. If it isnt a civil case.. Does this make what they are doing/have done a criminal offence?

 

I think the Judge was confused, (or drunk!) and really meant these weren't claims that the County Court would deal with, so he didn't and wouldn't have any of it.

 

County Courts have a tendency to overly complicate issues that fall within their remit, so they "hunt" for reasons to do that in simple claims, then allocate them to the Multi-track or to the High Court. This just isn't cricket in cases that are clearly easily manageable and should be dealt with by the County Courts, IMHO.

 

I have been a victim of this "deliberate misunderstanding" myself recently, so I know how Sparkie feels.

Always happy to help where I can!

:lol:

Beware of legal advice given on a private forum - do you REALLY know who is posting? Are they REALLY accountable for their posts? What if you follow their advice and get something wrong?

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Advice and comments posted by car2403 are offered purely without prejudice. They reflect only my personal opinion and do not represent the opinion of this forum or it's management. You should always seek legal advice from a qualified legal advisor. As a member of the site team, I disable reputation - reputation points mean nothing, please check my posting credentials yourself and make an informed decision. You shouldn't PM me and await a reply - I may be too late with a response. No replies will be given in Private Messages - just as with getting advice from the forum, getting advice via Private Messages is dangerous. CAG is about sharing successes so others can follow your example, this is primarily why I'm here, so please don't be offended if I don't offer replies in PM that doesn't comply with this. Help CAG to help others by keeping your thread up to date.

 

 

USEFUL LINKS; New User Guide to CAG | Can't find what you're looking for? | Intro to Consumer Credit Litigation | Is My Agreement Enforceable | Default (Surleybonds) Template Letter | Defaults - background, removal methods, challenges and taking a claim to Court | Digital Signature Guide | Overdrafts and the CCA

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Thanks for that explanation car2403:)

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Here's a letter from my MP regarding his meeting with the Information Commissioners Office when he wanted answers about the way Nat West and RBS copied my credit file and took no action against them.

 

Shows he is still on my case and on RBS's back .

 

Got another appointment with him friday 4th July.

 

Also had a quick word with my partners solicitor today, regarding the failure to obtain that order.

 

He was amazed that the judge did not consider the fact that as the RBS had said so many times they had no more documents etc to disclose and that they had aready supplied all they had that as they supplied 20 more pages ...onlyon receipt of an application to disclose that my application was in truth sucessful as it took the application to make them supply them so how could he not have ordered it ........ie after the fact. Good point if only I had thought of that at the hearing.

 

Never mind another lesson learned. got to think in three dimensional logic from now on.

 

sparkie

 

 

LONDON SW1A OAA

ANDREW MILLER MP

Mr Sparkie

13 June 2008 Our Ref:kl/GRACO 1004

 

 

 

Dear Mr Sparkie

HOUSE OF COMMONS

 

Thank you for your email dated 11th June.

Further to my meeting with Richard Thomas - Information Commissioner on 23rd April I have not yet received a response from him. However, I have written to him requesting this as soon as possible.

I will contact you again when I hear from Mr Thomas but I would be grateful if you could keep me updated on this matter following your hearing on 19th June.

 

Yours sincerely

 

 

Andrew Miller

Edited by Sparkie1723
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im only halfway through this thread and it completely and utterly enthralling!

 

however, i need to go to bed and im unsure how to subscribe to it... im going to add this page to my favourites and hope for the best until someone can shed sum light!!

 

and i have to say sparkie1723, ur a one man wonder and im simply amazed at what you have gone through with them. i am currently on the 5th page of 32 so if things are still going by the time i reach the 32nd page, then i really do wish you all the best!

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im only halfway through this thread and it completely and utterly enthralling!

 

however, i need to go to bed and im unsure how to subscribe to it... im going to add this page to my favourites and hope for the best until someone can shed sum light!!

 

and i have to say sparkie1723, ur a one man wonder and im simply amazed at what you have gone through with them. i am currently on the 5th page of 32 so if things are still going by the time i reach the 32nd page, then i really do wish you all the best!

 

Once you post in a thread, you subscribe to it, so that bit is done for ya :D

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Thanks sweetchicklady and locutus.

Your support and everyones means more than you can imagine it's that sort of thing that keeps me going I will never give up because this all started fron a wrong default on my credit file for £195 I did not owe but RBS would not budge for 5 years.

IF RBS are like this when they are definately wrong what chance has anyone got when they "could be" right.

 

 

sparkie

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To be honest I don't see why they are even arguing! It's gonna be much cheaper for them to agree with you and sort it than argue and end up getting ordered by the courts to sort it.

 

This thread has also provided me with a wealth of information that I will be using after my case for bank charges is concluded (stayed at the moment)

If in doubt, contact a qualified insured legal professional (or my wife... she knows EVERYTHING)

 

Or send a cheque or postal order payable to Reclaim the Right Ltd.

to

923 Finchley Road London NW11 7PE

 

 

Click here if you fancy an email address that shows you mean business! (only £6 and that will really help CAG)

 

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I'd be careful issuing seperate claims, as you might find them being consolidated in to one regardless, which would undoubtedly mean the multi-track because of the complexity of the whole thing.

Always happy to help where I can!

:lol:

Beware of legal advice given on a private forum - do you REALLY know who is posting? Are they REALLY accountable for their posts? What if you follow their advice and get something wrong?

It was Winston Churchill who said; "Democracy is the worst way to run a country except for all the others"

 

Advice and comments posted by car2403 are offered purely without prejudice. They reflect only my personal opinion and do not represent the opinion of this forum or it's management. You should always seek legal advice from a qualified legal advisor. As a member of the site team, I disable reputation - reputation points mean nothing, please check my posting credentials yourself and make an informed decision. You shouldn't PM me and await a reply - I may be too late with a response. No replies will be given in Private Messages - just as with getting advice from the forum, getting advice via Private Messages is dangerous. CAG is about sharing successes so others can follow your example, this is primarily why I'm here, so please don't be offended if I don't offer replies in PM that doesn't comply with this. Help CAG to help others by keeping your thread up to date.

 

 

USEFUL LINKS; New User Guide to CAG | Can't find what you're looking for? | Intro to Consumer Credit Litigation | Is My Agreement Enforceable | Default (Surleybonds) Template Letter | Defaults - background, removal methods, challenges and taking a claim to Court | Digital Signature Guide | Overdrafts and the CCA

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I've just sent you a PM, sparkie...

Always happy to help where I can!

:lol:

Beware of legal advice given on a private forum - do you REALLY know who is posting? Are they REALLY accountable for their posts? What if you follow their advice and get something wrong?

It was Winston Churchill who said; "Democracy is the worst way to run a country except for all the others"

 

Advice and comments posted by car2403 are offered purely without prejudice. They reflect only my personal opinion and do not represent the opinion of this forum or it's management. You should always seek legal advice from a qualified legal advisor. As a member of the site team, I disable reputation - reputation points mean nothing, please check my posting credentials yourself and make an informed decision. You shouldn't PM me and await a reply - I may be too late with a response. No replies will be given in Private Messages - just as with getting advice from the forum, getting advice via Private Messages is dangerous. CAG is about sharing successes so others can follow your example, this is primarily why I'm here, so please don't be offended if I don't offer replies in PM that doesn't comply with this. Help CAG to help others by keeping your thread up to date.

 

 

USEFUL LINKS; New User Guide to CAG | Can't find what you're looking for? | Intro to Consumer Credit Litigation | Is My Agreement Enforceable | Default (Surleybonds) Template Letter | Defaults - background, removal methods, challenges and taking a claim to Court | Digital Signature Guide | Overdrafts and the CCA

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I'd be careful issuing seperate claims, as you might find them being consolidated in to one regardless, which would undoubtedly mean the multi-track because of the complexity of the whole thing.

 

Unless you issue them one at a time............sigh........which could take forever

 

 

edited by me....(oops didnt see the previous posts :) )

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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it took a while, but iv finally finished reading the entire contents of this thread....and im exhausted, i cant imagine how you are feeling mr sparkie :p

 

i was disappointed for you at the result of the hearing and my heart goes out to you. to work this hard and still not give up is both admirable and honourable.

 

i am about to start a claim for bank charges for an account i opened 30th march 2005. i remember this date clearly as it was the day before my 18th birthday (which i further remember as i didnt have a passport, and i opened it the day before my 18th as under 18's can use a birth certificate as acceptable id heehee)

 

i havent used this account since roughly the end of 2006. i have had no statements since, although i was paying off my debt of almost £3000 through a debt collection agency (even though roughly £1400 of this is bank charges - i am about to send my sar so i can understand this better) after agreeing a new payment plan with this agency (due to change in circumstances), i had only made 1 payment and when i phoned the next week to make another payment, was informed that the account had been passed back to rbs. the reasons for this is unknown. i am worried and nervous as to the reasons and consequences behind this, as i have complied with every request. and now i am too scared to contact them to find out what is happening.

 

i already have a thread regarding this but felt compelled to message you regarding this. i think u must be a veteran in regards to the rbs at this stage :D

 

i wish you the very best of luck, sparkie, and i will continue to follow your happenings.

 

sweetchicklady xx

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