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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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Me v capital one


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Hiya folks

 

I was just wondering how long it took for you all to get your statements from Crap1.

 

I sent my letter over 2 weeks ago, which is fine, but they haven't even cashed the cheque. Do they normally send them at the last minute???

 

Cheers

 

Tracy

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They have 40 days to comply. They are rather busy at the moment ;) Awwww bless them. :D

 

 

 

 

 

I am not a legal expert my advice is given without prejudice and is purely my opinion only. If you are in doubt please seek professional advice.

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Hi It Took Them About 3 Weeks To Send Out My Crap One Statements. And They Did Not Cash My Cheque As Yet

claim with woolwich for £1895. offer recieved for £1412 . rejection letter sent on 05/04/07.

claim with capital one for £987 for two accounts, preliminary sent 02/04/07

still waiting for full statements for husbands capital one.

gemoney sar sent on 03/03/07. on 3 accounts. cheque cashed.

barclays bank sar sent on 03/03/07. had response and cheque returned, but still no statements.

monument sar sent 03/03/07. phone call from monument to say they are dealing with my request.

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Hi

 

I phone Crap 1 yesterday for my statement and unusally for them got to talk to someone quite nice (makes a change).

 

I asked her if she could tell me when I should expect them, she tapped away and replied that they were currently working on the 26 Mar, as they are having a lot of requests (hmmmm wonder why huh)

 

Hope this helps!

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I'm in the exact same position. I have sent my request 30 days ago and still no statements to be recieved. They have about 11 days left. I will be phoning TONIGHT !

Capital One SAR sent-15.03.07. Info recieved-13.04.07

Barclay Card SAR sent-15.03.07

 

WORK IN PROGRESS :cool:!!!;)

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they took 31 days for me, entered all the info into the simple spreadsheet, waiting till i have a day when I have a clear head before I attempt to calculate the contractual - if anyone has managed this with cap 1 feel free to pm me ;)

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Took them 38 days for me (sent them Royal Mail special delivery guaranteed by 1pm - so cost them a bit). Unfortunately they only sent me 9 months of transactions details from May 2002 to January 2003.

 

I would think this is either a stalling action or just incompetence as their probably quite harrassed at the moment with the number of SAR's.

 

So LBA in post.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

YOU CAN NOW COMPLAIN TO THE OFT ABOUT THEIR CONDUCT UNDER THE CONSUMER PROTECTION FROM UNFAIR TRADING REGULATIONS 2008.

 

 

 

Complaint to the OFT about DCA's threatening legally action on statute barred accounts

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Took them 38 days for me (sent them Royal Mail special delivery guaranteed by 1pm - so cost them a bit). Unfortunately they only sent me 9 months of transactions details from May 2002 to January 2003.

 

I would think this is either a stalling action or just incompetence as their probably quite harrassed at the moment with the number of SAR's.

 

So LBA in post.

 

Rory, I've just returned home to the EXACT same thing. I've recieved it today , recorded delivery too, and it dosen't look as though it's a complete set of statements :evil: I'm so annoyed. Although, I think they just send you statements with the charges. Thing is, they are not actual statements. They just look like actual printouts bulleting the charges... it's not an actual copy of the statement like the one you would recieve monthly

Capital One SAR sent-15.03.07. Info recieved-13.04.07

Barclay Card SAR sent-15.03.07

 

WORK IN PROGRESS :cool:!!!;)

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They don't have to send you statements but I'm assuming like me you asked for a full list of transactions and charges on your account. Bullet points are fine as long as they give you all this info.

 

Personally I don't really care if they do default on my LBA as then I can take them to court and seek damages as well as a court order.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

YOU CAN NOW COMPLAIN TO THE OFT ABOUT THEIR CONDUCT UNDER THE CONSUMER PROTECTION FROM UNFAIR TRADING REGULATIONS 2008.

 

 

 

Complaint to the OFT about DCA's threatening legally action on statute barred accounts

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Right, well I just looked carefully through it all and yes they did state out specifically the charges ... £300 quids worth too :confused:

Capital One SAR sent-15.03.07. Info recieved-13.04.07

Barclay Card SAR sent-15.03.07

 

WORK IN PROGRESS :cool:!!!;)

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How do you know the charges are complete if they have not given you a full list of transactions for each month you have had an account with them?

Didn't you ask for a list of all transactions for the history of the account including any charges. They haven't complied with this so let them know in no uncertain terms that what they have supplied you with is not good enough and does not fulfill the requirements of your SAR.

 

LBA required I think

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

YOU CAN NOW COMPLAIN TO THE OFT ABOUT THEIR CONDUCT UNDER THE CONSUMER PROTECTION FROM UNFAIR TRADING REGULATIONS 2008.

 

 

 

Complaint to the OFT about DCA's threatening legally action on statute barred accounts

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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  • 2 weeks later...

Hi Folks

 

I would be grateful for any help here if possible.

 

I have just received my SAR from C1 and need some help with my Prelim letter.

 

I have calculated the late and overlimit fees they have charged me which amounts to £452.00. My question is- do I ask for contractual interest at the prelim stage and if so, how do I work this out??

 

Cheers

 

Tracy

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hello

 

i have used vamps spreadsheet number 13 and claiming cci at the rate of 34.9% as stated on their website. you need to state that you are claiming this from the word go, so yes from the prelim letter

 

hope this helps

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Hi Tracy

 

On your statements you should see figures like :

 

1.850% for purchases and 1.904% for cash. . . or simular figures, left hand side below your monthly transactions. What some people do to make it easier for compounded contractual, is add the figures together and divide by 2 for an average.

 

So : 1.850 + 1.904 = 3.754% -: 2 = 1.877%

 

Type that into this calculator at the bottom and it will give you the rate you need for your spreadsheet. This figure is what they have charged you as an APR..

 

http://www.zen122856.zen.co.uk/CompoundSheet_v1.9.xls

 

Uk

Some useful links.

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AQ Guide to Completion

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Witness Statements for Court Bundle

Banking Code Website

Limitations Act

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A-Z Index

Mis-Claim Tutorial

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Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.

 

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HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

YOU CAN NOW COMPLAIN TO THE OFT ABOUT THEIR CONDUCT UNDER THE CONSUMER PROTECTION FROM UNFAIR TRADING REGULATIONS 2008.

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Thanks for that guys:)

 

Aviator, I have got a statement and checked the figures and the only thing I can find is Purchase Interest charged at 2.549%. I cant see anything about cash... Can you help further??

 

Thanks

Tracy

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