Jump to content
  • Tweets

  • Posts

  • Our picks

    • 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
      • 49 replies
    • 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.
       
        • Thanks
      • 3 replies
    • 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!
        • Thanks
        • Like

Citibank Communication breakdown


Please note that this topic has not had any new posts for the last 4274 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hi All,

No response to latest letter sent (courtesy of Martin's template #23).

Instead have received a Default Notice - dated 4th Dec. to be remedied by 19th Dec. - not received until 10th Dec.

Shall I just sit and wait for a response, or reply about the default?

Thanks again!

Link to post
Share on other sites

I would do 2 things now.

Firstly make an application to the Court on n244 for an order to prevent Citi from applying the default,based on the facts that it is a disputed account,and also in breach of guidelines laid down by the OFT.If you leave the default notice to run,then you may have problems trying to defend it later.Citi are in breach of civil procedure rules too-they have failed to follow proper pre action protocols.

You should write to Eversheds and state that you will be filing a complaint to the FOS.

Tell them you will be asking the Court to suspend the default with an application for costs too.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

Link to post
Share on other sites

Yes the main reason are that they will be more than likely involved with the legal side of things.

As such I think they will advise their clients (Citi) that they have behaved somewhat outside of their remit.

I would also point out in any comms,that you will be making a copy of the letter available to the Courts if needed later,so they cannot claim they were not aware.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

Link to post
Share on other sites

In your letter to Eversheds I would write something like this;

 

Dear Sir/Madam,

 

I understand that you are acting as legal agents for Citifinancial Europe Plc.

 

May I draw your attention to communications of............

in which I have been issued with a default notice on the above account.

Since this account is in dispute status,and having regards to the absence of information I requested under County Court pre action protocols, namely my letter on notice of............which has gone unanswered,I therefore remind you that your clients are in breach of the following;

 

(i) Office of fair trading guidelines on debt collection.

(ii)The unfair consumer terms regulations 2008.

 

I will be applying to my local County Court,to have this default suspended,together with an application for costs.

 

I will also be lodging a formal complaint to the Financial Ombudsman.

 

I trust that you will treat the seriousness of these breaches by your client,as warranting immediate attention.

I enclose a copy of the default notice.

 

Yours Faithfully

 

 

XXXXXXX

 

 

Enc; copy of the default notice.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

Link to post
Share on other sites
  • 1 month later...

Hi All,

 

No response from Eversheds, however, I have received what I think constitutes SAR from citi, complete with years and years of statements, some letters change of address etc. BUT still no signed agreement..............just a printed document with my old address and answers to application questions (time with bank apparantly 00 years 00 months!)

This morning I have received a Notice of Assignment saying that my 'contract' has been assigned to 1st Credit.

 

Are they allowed to do this? What should I do next?

 

Thanks!

Link to post
Share on other sites

Nope, they are not legally entitled to enforce the agreement against you whilst section 78(6) is active.

 

Selling the account would be considerred an act of enforcement in addition to their previous actions.

 

I've PM'd you with advice on what to do.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

Link to post
Share on other sites

Unbelievable....

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

Link to post
Share on other sites

SAE ?

Not heard of that one before.

Theres nothing in the Data Protection act that I am aware of that says you should have to send a SAE.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

Link to post
Share on other sites

They must be cost cutting at 1st Credit.

 

The statutory fee is to cover all of the expenses they will incur, including postage & packing.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...