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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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Default Notice Halifax Credit Card - What shall I do now?


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Hi, I also have an ongoing non compliance of CCA request going on with the halifax (they basically sent me an application form) , how do I subscribe? and what does that mean, and how do I link my thread here??

 

This thread seems to be just that little further on than my situtation, and would love to follow it through to see what may happen next..

If someone could let me know... TA :D

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Hi Tigger and Welcome to my thread! (by commenting you have subscribed!). I'm not sure how you link though

Have had a little read of your thread and sympathise with you. They haven't bothered to send anything to me - how long did it take them to send the copy application to you?

I'm thinking of adapting the letter on your thread as they have not complied, as I want to make sure they know the account is in dispute etc.

Have you decided when you're sending yours?

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Hiya.. thanks for replying... Thier letter said that if they didnt hear from me within 8 weeks, then they would presume that I was satisfied that htey had sent the correct documents.. so I think I'll sorta play a little waiting game and leave it till about 6 weeks from date of letter... I know it waent over the 12+2 days, I sent it on the 18th Sept.. i think, and i got letter last week.. Just had 2 more leters today from different depts of halifax, usuall bla bla stuff, you must pay now, phone this number now etc etc.. we take credit cards, debit cards.... BLOOD .. (oops no, I think thats just in my mind..lol)

 

Even the people who phone are getting fed up of me cheerily telling them that I am Ms Tigger and then when they ask thier security questions, I tell them that I will not divulge that information.. they get shirty and a lot of them just say 'well YOU need to contact the halifax, and 'the calls WILL continue'.

 

Ahhh good job I read all this on here 1st otherwide I would be running round like a headless chicken by now !..

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Hi Tigger -

I would send them a letter saying you will only communicate in writing and if they continue to phone then send one regarding harrassment. The phone calls seem to have stopped here - we have caller id so stopped answering anyway, but they still continued to phone 4 times a day, until I sent the letter that 42man posted up earlier in this thread!

Best wishes

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  • 2 weeks later...

Just received latest statement - still adding interest & late fees 'default sums'. The first page even has a paragraph about 'dispute resolution'!

But still I haven't had a response to my CCA request (signed for 1st October).

Shall I just wait until the 42 days is up before sending them a non compliance letter?

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  • 2 weeks later...
  • 3 weeks later...

Hi,

 

Halifax have replied today with their version of a response to CCa request!

covering letter:

http://i443.photobucket.com/albums/qq154/thereisanotherway/halifaxcca.jpg

(they don't mention the default notice, balance rising!).

 

This is accompanied by a document proporting to be a copy of Credit Card Agreement Regulated by CCA 1974. Page one says 'Parties' - Halifax and my previous address this single page 'document' is stapled to......

First page of 'agreement' as follows

http://i443.photobucket.com/albums/qq154/thereisanotherway/halifaxcca3.jpg

Funny, I don't remember having a Bank One card! Can't find a date, nowhere for a signature and no signature on behalf of Halifax.

 

Also included is another agreement with my current address on - again no signature etc.

 

So what next?

Edited by thereisanotherway
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  • 2 weeks later...

Just received letter from Halifax, saying that they don't believe telephone calls are harassment and confirming that they have complied with my CCA request!

They have given me 8 weeks to reply, or they will consider the matter closed.

Shall I just ignore this, or confirm that we are still in disagreement?

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Hi,

 

Halifax have replied today with their version of a response to CCa request!

covering letter:

http://i443.photobucket.com/albums/qq154/thereisanotherway/halifaxcca.jpg

(they don't mention the default notice, balance rising!).

 

This is accompanied by a document proporting to be a copy of Credit Card Agreement Regulated by CCA 1974. Page one says 'Parties' - Halifax and my previous address this single page 'document' is stapled to......

First page of 'agreement' as follows

http://i443.photobucket.com/albums/qq154/thereisanotherway/halifaxcca3.jpg

Funny, I don't remember having a Bank One card! Can't find a date, nowhere for a signature and no signature on behalf of Halifax.

 

Also included is another agreement with my current address on - again no signature etc.

 

So what next?

 

Hello:) I hope you don't mind me subbing to your thread. I am exactly the same situation as you with bank of scotland, no default notice ever received but then the same letters except the one that states they have terminated the credit agreement is from Blair, oliver, scott and not bank of scotland and the same crappy complaint letter saying ' we are sorry you are unhappy...blah..blah 4 weeks' [still waiting for their reply:rolleyes:]

 

and thenthe same credit agreements no signature box, signatures or dates anywhere and

 

then a monthly credit card statement after termination still processing the account as normal.:confused::confused: emm its terminated cannot process the account now:rolleyes:

 

amazingly similiar but then the same stupid company arent they HBOS!

 

Milly X

CAPITAL ONE (O/H!): Won £1864.63 including contractual :D

GE MONEY: WON £266.00

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Blair, Oliver and Scott are the in-house debt Collection dept for Halifax. (One and the same people in other words.)

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/102011-blair-oliver-scott-bank.html

 

I would reply to their 'this will be closed in 8 weeks if we don't hear from you' letter. Doesn't seem like they have supplied you with a properly executed agreement so a nice letter and complaint to Trading Standards will be a good start :)

  • Haha 1

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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hello thereisanotherway (a nice name easy to type up lol)

 

im angel

 

i hope i can subscribe to your thread too, as im in battle too and it appears ive had the same letters, ive responded to them already with a dispute and complaint and getting lots of calls now too

 

however, ive pulled the plug on the one phone so i dont hear it, how quiet the house is you do realise its harrasment when you cant even have a bit of peace in your home from the constant phone calls

 

anyway im going to pinch the letter from 42 man id had it before im sure but lost it on my word program so thanks

 

good luck and lets all keep in touch,

 

laters angel x

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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Just received letter from Halifax, saying that they don't believe telephone calls are harassment ....

 

How many calls we talking about? This may be of interest and a complaint to OFCOM might be required? Have a look see:

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/173678-aic-telephone-harassment-ofcom.html#post1873847

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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  • 2 months later...

Hi Davey, Thanks for the link. Since I don't answer the phone calls, I didn't fit into the standard online complaints, so I have sent a letter with logged time calls to OFCOM to see what they say. It's Monument that seem to be the worst - including loads of weekend calls (but that's another story!)

 

Received a request for payment from Blair Oliver and Scott - to which I'm sending the standard 'account in dispute.. refer to OC' letter.

 

Also a response from Halifax 'The Bank is not required at this stage to provide a copy of the signed agreement, as this is only required to enforce the debt in court. The Bank has fulfilled it's requirements under The Consumer Credit Act and will not be providing anything further. the Bank also does not agree that the account is in dispute, as you have not provided any valid reason'....blah blah. So they continue to add interest and fees.

 

What can I say to that?!

TIAW

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Looks like they are one step away from admitting outright that they don't have the agreement and cannot enforce the debt. Pity they don't the integrity to be honest enough to go that far.

 

Time to get tough with them. Have you complained to TS?

 

I would say along the lines of the post i made here earlier:

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/174582-bartez-marbles-2.html#post1999410

 

They have not complied with the CCA and i would send a strong letter telling them so. If no joy thereafter i would go down the CPR 31.16 route and then an LBA in fast succession (reasonable time limits applying.)

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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