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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.
       
      • 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!
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Please bear with me as its a little long winded

 

A few years back i started a business on the strength of a good contract so i purchased a van on finance.

Almost as soon as the contract was offered it was taken away due to unforseen circumstancies, subsequentely i had the van re-posessed.

 

I was then hassled by this company for payment of the balance owing after the van was sold, to which i agreed to pay £50 a month which was stretching my finances a bit as we had just had a new baby.

 

November last year when the recession hit our workplace and income dropped i wrote to my creditors offereing a reduced payment but to be revised in the future when things pick up, however this finance company kicked up a right stink and threatened all kinds of things and then refused to take the reduced payment.

 

i requested a copy of my agreement as i had never had a copy and when it came back it was very illegible.

 

I studied the agreement to try and fing a reason to dispute it and on the agreement they have added GAP. I specifically didi not ask for GAP as i knew it did not cover the vehicle due to what it was to be used for and on the greement in the section that covers GAP, it clearly says (NO, not required) so even though they acknowledge i didnt want it they have still added it.

Now my agreement should have been a 48 month agreement but instead its 47 months with a payment of Gap added.

This means that my payments include GAP so the contract is potentially wrong.

The finance company decided to take me to court and my defence was the illegability of the contract and the added gap.

I was due in court next week and i recieved a call from there solicitor and to be fair he was a nice guy who could not understand the finance companies methods.

 

After a discussion i agreed to pay them £25 a month.

Today a recieved a consent order that is signed by the solicitor and requires my signature.

what bothers me is i dont know what a consent order is and the implications if i cant pay in the future.

Am i right to agree to go along with this or does my defence have any substance.

 

the total amount payable is £11,727.36

 

This is 47 x 213.07

deposit of £1500

gap payment of 213.07

 

because of the gap payment the total amount is wrong as if it was a straight 48 payment the payments would have been £208.63... does this make it unenforceable and maybe the reason they have called to settle out of court.

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with out knowimg

 

this smells of welcome finance

sorry if wrong

 

have you a statement of means ref any insurance ref ppi gap, earthquake cover, struck by a comet

 

sorry being flippent

 

have you posted your agreement

 

i do hope this consent order is not a tomlin order

 

ill be back on tonight

 

get a much detail together as you can

 

so they want to bargin

 

ask your self

 

WHY

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hi post

its not welcome, its park finance and they are just as bad. I cant post my agreement as my scanner does not work but i have all the info in front of me, any help and il be very gratefull...what is a a tomlin order

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Park Finance

 

If Thats The Same As Park Credit

 

Say No More

 

 

Use The Search Option To Find Tomlin Orders

 

They Are Very Bad News

 

Do You Have Any Docs Ref The Insurance/gap

 

With Out This They Are Stuffed

 

How About A Default Notice Also

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Park Finance

 

If Thats The Same As Park Credit

 

Say No More

 

 

Use The Search Option To Find Tomlin Orders

 

They Are Very Bad News

 

Do You Have Any Docs Ref The Insurance/gap

 

With Out This They Are Stuffed

 

How About A Default Notice Also

i have a statementfrom them which includes the gap insurance added but like them all, no needs and demands, however on the agreement it states in capitals that i dont want gap but they have still included it

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they are stuffed

 

you have it in black and white on the agreement

agreement invalid it seems

 

no wonder they want you to sign a consent order

cretins

 

ill be on tonight and you will have more replies no doubt but

 

ITS LOOKING GOOD

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they are stuffed

 

you have it in black and white on the agreement

agreement invalid it seems

 

no wonder they want you to sign a consent order

cretins

 

ill be on tonight and you will have more replies no doubt but

 

ITS LOOKING GOOD

 

cheers post, ill get as much info for you as i can to back up what im saying.

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  • 6 months later...

I have a personal loan with them and I pay back £2 a month after pleading poverty. If you offer something, no matter how small, the company concerned will have a hard job taking and winning any court action.

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  • 1 month later...

I have also had trouble with this so called company, phone calls every week until i told them i was recording incoming phone calls, so they started texting.

One one day had a phone call from them on a bank holiday and requested a payment the person at the other end was so rude, so i put in a complaint and asked for a copy of the recording to be sent now this took them 9 weeks, i still think it had been worked on as im never rude but it only showed me being angry and he was so polite.

so to stop all the trouble i have had to surrender the said Van

 

Never use this company.

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My partner took out a personal loan with Park Motor Finance for a motor vehicle, where he could not keep up the payments. In fact because of the situation with the limited company he had set up, no payment was made and the van was subsequently taken and sold. The debt in question was approx 10719 and after the sale of proceeds and original deposit taken into account it left an approx balance of £5219.

Since Oct of last year we have been paying an agreed sum of £50/month without fail, however, recently due to circumstances we wrote asking if we could for a three month period reduce this to £25 and then looking at increasing.

They contacted us to say this was unacceptable and that unless we paid either a reduced balance of £3000 immediately they were going to pursue legal action. This being to take my partner to court and have him declared bankrupt, and to have a charge put on the property or even force the court to make us sell the property.

The property itself is already in negative equity, the mortgage is £178,000 and we have a secured loan of £18,000. The value of the property at the moment I would say is less than £185,000, a house next door but one is at this moment up for sale, less than this.

We are going to seek advice next week, however, because of the negative equity can they actually get the court to force a sale? We have a 17 month old baby boy and I am now at my wits end. All of our other creditors have an agreed payment plan and we are keeping to the payments. HELP????

 

added to which would be the costs of selling so relax on that score

 

the court will NOT make an order to force a house sale when it is in negative equity since to do so would not benefit anybody. and certainly not the creditor since he would get an equal share with all your other unsecured creditors of zilch!

 

i suggest , if you can getting a valuation done on your house

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  • 1 month later...

or see a lawyer to have the agreement checked and to assess if there were any secret commissions etc

 

The underwriting sheet will tell all, and they may well resist disclosure of it, but dont let that put you off,

 

There is case law such as the hurstanger case and also the Imageview v JAck case

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  • 2 months later...
  • 11 months later...

As a side issue, I just spoke with them (Park Motor Finance) and they told me, they are no longer trading???

Maybe a bad choice of words from the young lady, but if they are no longer trading, do any of us need to still pay them???

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  • 2 months later...
  • 2 months later...

Does anyone have any news on them? I am admittedly behind in my payments for my car. i have been receiving a general letter from them every month stating that they have added a charge on my account for being in arrears, but NOTHING else.

 

Today, a hand written note was put through my door asking me to ring Able Investigations and Enforcement about my account with Park Finance (this note was not in an envelope and thus was seen by my Mother in Law who brings my son home from school for me).

 

I am going to ring him tomorrow and luckily I have some cash to be able to pay some of my arrears, but I prefer to be armed with knowledge!

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