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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • 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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A few months ago I realised I was paying PPI on my Egg Credit Card (balance £7300) When I realised that my minimum monthly payment was only covering this and interest I immediately cancelled policy.

Now I see that there is a possibility of reclaiming this. can anyone advise how best to go about this? I have already asked for all statements from Egg in order to claim back other charges. I paid PPI on my account for at least 5 years so the total amount should clear most of my current outstanding balance if I were to win this claim.

Any Advice appreciated!

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Hello laura,

 

welcome to the PPI forum getting busier by the day.

If you do not get the responses you need keep posting some bright spark will surely have something to help you;)

 

A few months ago I realised I was paying PPI on my Egg Credit Card (balance £7300) When I realised that my minimum monthly payment was only covering this and interest I immediately cancelled policy.

Now I see that there is a possibility of reclaiming this. can anyone advise how best to go about this? I have already asked for all statements from Egg in order to claim back other charges. I paid PPI on my account for at least 5 years so the total amount should clear most of my current outstanding balance if I were to win this claim.

Any Advice appreciated!

 

Firstly can you post details of when your card started and the PPI on it.

Claims differ on whether it is PPI on car loan, secured or unsecured loan, mortgage, credit card, furtniture store and whether it was bank, credit card company, broker etc so it is new and we will get there in the end.

 

The more information you start of with without disclosing names, account numbers, telephone numbers etc the more people will be able to assist from their own experiences.

 

Have a read at the stickies at the top of the forum and follow a few of the threads and you will see the general pattern to reclaiming.

 

Hope this helps get you started and remember there will be someone to try and help but being new and wide ranging it may take a few minutes to sort out:eek:

 

aa

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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Excellent advice as always! what more can I say.

Lloyds TSB (SARS) request sent 9th June 2006

£2191 Moneyclaim Issued 11/08/2006, Acknowleded 17th August Defence 14 Sep, AQ returned 5/10/2006.SETTLED IN FULL £2,670 26/11/2006/ Lloyds Credit Card SETTLED IN FULL £267

MBNA SETTLED IN FULL 15/09/2006 £829

Citicard (SARS) request sent 22nd June 2006 Moneyclaim issued 19th Sep, Defence and AQ received 5/10/2006, AQ returned 5/10/2006, part refund received 10/10/2006

GE MONEY SETTLLED IN FULL £400

Barclaycard Me and Mrs SARS sent 19/10/2006 settled £350

Welcome Finance PPI 2 accounts one settled £1018 waiting on other

GE Money PPI 1 account settled 8/5/2008 £560 2nd account SETTLED IN FULL £3,599.78p 15thAugust 2008

Lloyds TSB PPI CC complaint sent 10/04/2008

Black Horse PPI with FOS 20/05/2008

HFC PPI complaint sent 22/05/2008

 

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Hi,

The PPI was with my Egg credit card account, opened in July 2002.

I was paying around £69 per month when this account was up to it's limit (fairly soon after opening account) So I would estimate that I have paid around £3600 in PPI in the last 6 years. I do not recall signing anything for this account authorising these payments and do not seem to have the credit agreement for this credit card.

Being young and foolish at the time I assumed that this was a requirement of holding a credit card account!

I have written to Egg asking for my statements for the last 6 years so when received will have a better idea of how much I have paid for this.

 

Any advice appreciated!

Laura

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Hello laura bj,

 

this is from a recent post on the forum advice to another claimant for mis-sold PPI.

 

It is a copy of a post but may be of use to get you started to reclaim or at least get the paperwork to start a fight back.

 

Have you sent a Subject Access Request asking for all the subject data on you and this particular barclays loan or credit card?

 

If not and you do not have the original paperwork then you can submit a S.A.R - (Subject Access Request) with a statutory fee of £10.00 (a postal order is best and keep the receipt you may be able to claim the £10 back) and request all the data applicable to you as a subject and in particular the loan you are contesting.

 

They have a statutory 40 days to respond and if you do not get all the data you ask for (and you must ask for every bit of data in whatever format they hold, paper, tape, microfisch, cd, electronic, telephone call recordings or transcripts, etc) You must be specific and ask for Terms and conditions, Customer duty of care check list (if the sale was and advised sale, i.e you talked to a sales advisor) Policy documentation, statement of account etc, then you can submit a complaint to the Information Commissioners Office or start Court action. The Information Commissioners Office is very busy so many complaints on PPI but no Court costs. Such is the magnitude of PPI mis-selling.

 

Good luck :wink: keep posting and you will get the required help.

However this PPI reclaiming is new and still in its early stages but things are coming together and CAG subscribers are real fighters.

 

 

The advice to newcomers to the forum is much the same if you have no paperwork send the statutory fee and request it under the terms of the Data Protection Act 1998. If you get not satisfaction within 40 days submit a complaint to the ICO. If you need guidance on what happens or the problems you may face see this thread.....

 

subscribed.gifalanalana PPI claim against RBS (looking for some help) please

 

lots of pitfalls but it has been a learning curve and you may be able to use some of it to assist you in your own claim.

 

Good luck;)

 

aa

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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  • 2 weeks later...

Hi,

I have now received my statements from Egg and have calculated the PPI on this account since 2002 at £3200.

Just looking at one of the links from your thread, it seems one can only claim back PPI on accounts opened after 2005. Is this the case as if so I will quit here as this account was opened in 2002.

Thanks

Laura

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No that is not the case. You can claim up to a maximum of 6 years back. The 2005 thing has something to do with the FSA or something like that (can't remember exactly). You can definately claim back to 6 years though!

 

Just to let you know I am at the same stage with egg Sam v Egg.

They did the same to me, jut suddenly started applying PPI after a year. I will watch with interest!

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No

DO not Quit.

I claimed back from 1997.

Keep at Egg, on what grounds are you reclaiming

Lloyds TSB (SARS) request sent 9th June 2006

£2191 Moneyclaim Issued 11/08/2006, Acknowleded 17th August Defence 14 Sep, AQ returned 5/10/2006.SETTLED IN FULL £2,670 26/11/2006/ Lloyds Credit Card SETTLED IN FULL £267

MBNA SETTLED IN FULL 15/09/2006 £829

Citicard (SARS) request sent 22nd June 2006 Moneyclaim issued 19th Sep, Defence and AQ received 5/10/2006, AQ returned 5/10/2006, part refund received 10/10/2006

GE MONEY SETTLLED IN FULL £400

Barclaycard Me and Mrs SARS sent 19/10/2006 settled £350

Welcome Finance PPI 2 accounts one settled £1018 waiting on other

GE Money PPI 1 account settled 8/5/2008 £560 2nd account SETTLED IN FULL £3,599.78p 15thAugust 2008

Lloyds TSB PPI CC complaint sent 10/04/2008

Black Horse PPI with FOS 20/05/2008

HFC PPI complaint sent 22/05/2008

 

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