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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.
       
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      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.
       
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firstplus upolding my claim


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Hi all,

First of all I am dyslexic so please bear with me whilst I am writing this.firstplus are upholding my claim for ppi. I am writing this letter as it was sent to me and I would be grateful if you could give me some advice as to wether or not it is an acceptable offer.

I have completed a review of the investigation into your complaintregarding the sale of your payment protection policy.

The conclusion of my review is that I am upholding your complaint as I am not now satisfied that the details of the insurance were explained to you correctly.

I now propose to make the necessary adjustments to your loan account to put it in the position as if the payment protection insurance policy had not been taken.

This will mean a full refund of the insurance premium of £3,587.40 plus interest paid on the premium to dateof £507.91, and returning the part of your monthly payments made

towards the payment protection insurance premium to you. The monthly payments due will then be rescheduled accordingly.

we undetstand that we will also receive a refund of our monthly payments paid towards the insurance policy ( £682.60 ) and our loan account will be rescheduled to take these amendments into account

i am sending a copy of this letter to the financail ombudsman service so that they are aware of our change of decision

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If you dont mind me asking what were your reasons for mis selling?

 

And very well done by the way:-D

Any opinion I give is my own and given without

any liability.

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Hello bakerman,

 

Hi all,

 

First of all I am dyslexic so please bear with me whilst I am writing this.firstplus are upholding my claim for ppi. I am writing this letter as it was sent to me and I would be grateful if you could give me some advice as to wether or not it is an acceptable offer.

 

I have completed a review of the investigation into your complaintregarding the sale of your payment protection policy.

 

The conclusion of my review is that I am upholding your complaint as I am not now satisfied that the details of the insurance were explained to you correctly.

I now propose to make the necessary adjustments to your loan account to put it in the position as if the payment protection insurance policy had not been taken.

 

This will mean a full refund of the insurance premium of £3,587.40 plus interest paid on the premium to dateof £507.91, and returning the part of your monthly payments made

towards the payment protection insurance premium to you. The monthly payments due will then be rescheduled accordingly.

 

we undetstand that we will also receive a refund of our monthly payments paid towards the insurance policy ( £682.60 ) and our loan account will be rescheduled to take these amendments into account

 

i am sending a copy of this letter to the financail ombudsman service so that they are aware of our change of decision

Classic result and very well done:D

Don't forget to post in the PPI successes in the stickies when you get your cheque in the post.

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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Hello bakerman,

 

hi

is this offer allright, to take would like your in put

thank you for all your help from this site

 

You have posted no details posted on the full extent of any loan or the PPI added to it with Apr and any other costs so it is difficult to say if this is a reasonable settlement or not.

 

Caggers would need more information on costs, including loan and PPI costs plus length of loan, interest rates etc.

 

You could post more information and ask for advice but the main point is you have an offer and are you happy to accept or to refuse and face a longer road. The Choice is yours;)

 

Good luck with whatever you decide.

 

I would await input from others before a final decision is taken.

Please do not rely upon my advice alone as I am no legal expert in these matters.

 

aa

 

 

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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Like aa above I am no legal expert, but if you will be put back in the position you would have been with your loan without PPI this is good as you will no longer be paying interest on the PPI lump sum.

 

They should return all the PPI payments already made plus interest.

 

If they have to reschedule a loan it cannot be at a higher interst rate.

 

If you have any figures a cleverer person than me will know what to do.

Any opinion I give is my own and given without

any liability.

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the only bit i dont understand is this:

 

we undetstand that we will also receive a refund of our monthly payments paid towards the insurance policy ( £682.60 ) and our loan account will be rescheduled to take these amendments into account

 

Since when has firstplus ever paid towards a clients PPI

If I have been of help to you please feel free to click my scales to the left Thanks.:)

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

 

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 

CARTER V Co-Op

BANK CHARGES

REFUNDED £3567

 

POMPEYFAITH V Co-Op PPI

OFFER MADE BUT REFUSED

ONGOING AND STILL ONGOING

NOW WITH THE OMBUDSMAN

 

R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

 

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the only bit i dont understand is this:

 

we undetstand that we will also receive a refund of our monthly payments paid towards the insurance policy ( £682.60 ) and our loan account will be rescheduled to take these amendments into account

 

Since when has firstplus ever paid towards a clients PPI

 

Hi there

 

firstly great news for you.

 

I have very recently had my claim upheld by First Plus and received a letter exactly the same as yours (apart from the figures). If your loan is still ongoing - which it looks like it is, then the first 2 amounts mentioned should be deducted from your loan, and monthly payments made against the insurance policy to date should be sent to you in the form of a cheque.

 

I had the full premium plus interest paid to date deducted from my loan, I got a new figure for my monthly loan repayment and received a cheque which was a refund of our monthly payments made towards the payment policy to date.

 

Obviously all claims are different, but this is how my claim was upheld and dealt with. Hope this helps

 

Feebs

Edited by feebs
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hi all

 

this is my agreement

 

 

cash loan ppp total

 

amount of credit £18,000,00 £3,587,40 £21,587,40

 

monthly repayments-

variably where interset

rate charges £173,43 £43,57 £208,00

 

 

 

number of repayments 180

 

 

 

minimum duration 180

 

 

apr 8.4%

 

 

 

 

other financial information

cash loan ppp loan

 

total charge for credit (assuming no

changes in interest rates and all

payments made in full when due): £13,217,40 £2,635,20

 

 

interest rates (variable-see condition 8

overleaf for circumstances 8.136%pa

 

 

 

first payment was taken out on the 26/03/2007 hope this will help some-one, and again thank you for all your help

 

bakerman:)

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I am abou to go down the same route as you and for the same reasons, could you tell me what letters you used, were they the templates on this site?

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