Third-Party Payment Providers

This is part one of two, talking about the involvement of a third-party payment provider and how they can affect your civil rights, particularly Section 75 of the Consumer Credit Act 1974.

 What happens when you sign a regulated credit agreement in your own home and then discover at a much later date that there is a third-party payment provider involved, what happens to your legal protection and why is this allowed to happen without you being warned in advance of the situation. 

This video explains how we can help estate agents protect their sales by helping you with a claim and giving you guidance on getting the spray foam removed.  Hydrogard Legal Services are the Home Improvement refund specialists and as well as assisting the homeowners in getting refunds on the mis-sold and misrepresented spray foam installed in their loft space, we can help estate agents maintain their sale and eventually earn their commission. Please call Hydrogard Legal Services on 08000 748494 

Why is it the manufacturer's, the distributors, the installers, the sales companies always blame everyone else, its always someone else's fault and never theirs.  These people through the media and via letters or by visiting people in their homes always tell us, the homeowners, the papers and anyone who dares to argue about spray foam insulation is that it is a misconception, that the people who argue about spray foam don't really understand the product, that we are biased.  

How do they sleep at night, scammers just don't care all they are interested in is getting your money.

84 year old was wise enough to stop the scammers stealing over £10480 from him, shocking to you and me, but to the scammers its just another day at the office. 

97 year old cold called pretended to be working for the local council offering free loft surveys, they wanted to inspect the loft.  The person pretended to be a surveyor, to sell him a "Space Foil Blanket".  He was told if he bought the foil space blanket in normal situation that would cost over £11,700. but if he purchased within the next three days it would only cost him £7,500.  Fortunately he had the wear with all and the common sense to ask the so called "Surveyor", to leave his property. 

The first in a series of 3 videos explaining the Credit Card Contract and what it means to you. Did you really read your terms and conditions before signing the agreement?

This is the second of three videos about Section 75 of the Consumer Credit Act 1974.  This is to raise awareness of the current issues within the Section 75 Act and to make people aware that sometimes Section 75 doesn't offer you the protection you are meant to be getting under the Consumer Credit Act 1974.  The UK Government and the banks, building societies, the credit card companies all know about this issue, but they all fail to notify their customers, us the consumers, that there are issues

This is the third of three videos about Section 75 of the Consumer Credit Act 1974.  This is to raise awareness of the current issues within the Section 75 Act and to make people aware that sometimes Section 75 doesn't offer you the protection you are meant to be getting under the Consumer Credit Act 1974. The UK Governement need to address this as this leaves consumers exposed with no legal protection.

This was a video created by the frustration that is the polyurethane spray foam rubbish sold into consumers homes here in the UK.

 HELP MY BUYER COULDN'T GET A MORTGAGE

This video tells the devastating truth where a homeowner with polyurethane spray foam installed in their loft cannot sell their home. 

Congratulations to Trading Standards who have brought another successful prosecution against a spray foam insulation company. The director and sales manager have been given a custodial sentence and ordered to pay the victims compensation. 

 The lies the cold callers make about traditional loft insulation in order to sell spray foam. The cold caller told us they in association with the British lung foundation, which is an outright lie and a scam. The spray foam industry try to tell us they are doing things correctly and honestly..... Check out the British Lung Foundation website to read about the scam 

I apologise for the quality of this particular video, but we wanted to show just how bad polyurethane spray foam can be to homes. The evidence is here for everyone to see and it is truly shocking.

If you want to make a refund application call us on: 08000 748494

If you have had your loft space filled with spray foam insulation you may be entitled to a refund.  Were you told that you may not be able to sell your home, Were you told that you may not be able to get equity release? Did your installation take place within the 14 day consumer cancellation period?
If you want to find out more information about how Hydrogard Legal Services can help you please call us on: 08000 74 84 94 

Spray foam installed in Porchester, Open cell spray foam installed in the loft, covering the beams and rafters and encapsulating the electrical cabling and the television aerial.  The homeowner applied for equity release, was rejected and told to get this removed from his property. Customer was called by the sales company and told there were no issues as it has a BBA certificate.  Unfortunately for the homeowner the equity release company didn't feel the same way. Call for more info 08000 748494

 Shocking video today about how an 86 year old pensioner has been conned into having spray foam loft insulation put into her loft. Promises of 40% savings on her energy bills, Promises from the sales company that it allows the roof to breathe, Promises of a 10-year guarantee and they also guarantee no issues or problems should she need to get equity release or sell in the future, all lies.  

If you have had spray foam installed into the loft area of your home it is more than likely that you will not be able to sell it because mortgage companies are not giving mortgages on homes with spray foam. Equity release companies are also pushing back against releasing funds for homeowners who have spray foam insulation in the loft for exactly the same reason. Got spray foam insulation then you may be entitled to a refund  Call Hydrogard Legal Services on 08000 748494 

The Consumer Revolution is Coming. If you have had a bad experience with Solar Panels, Air Source Heat Pumps and you have been let down by the regulators, then we would like your story so we can fight to get your Consumer Rights Upheld. Send your story to info@hydrogardlegalservices.co.uk www.hydrogardlegalservices.co.uk