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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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Milamber v HSBC


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My account with HSBC is now closed, so I have sent off a DPA request letter, along with £10.

 

The account goes back to the 1980's, and I know that duing this period a lot of charges were taken from my account. Hopefully the response to my letter might give me an indication of just how much this was.

 

Let's see what the postman brings...

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Hello bud, welcome to hsbc!

 

keep us posted!

 

crusher :D

 

 

HSBC WON three times!!!!! Read about my continuing battle (claim FOUR!) Link HERE

Capital One WON Link

HERE

GE capital (5 accounts) WON link HERE

Lloyds bank account WON second claim starting! link HERE

Budget insurance cough up WON link HERE

Principles WON link HERE

A&L (Mrs Crusher's account) claim link HERE

Barclays claim link HERE

 

Any advice given is on an informal basis only and without prejudice or liability. In in any doubt, consult a qualified lawyer.

IF YOU HAVE GOT YOUR MONEY BACK, PUT SOME BACK INTO THE SITE TO HELP KEEP IT OPEN!

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yeah, take a look here and you will see why.....

 

 

HSBC WON three times!!!!! Read about my continuing battle (claim FOUR!) Link HERE

Capital One WON Link

HERE

GE capital (5 accounts) WON link HERE

Lloyds bank account WON second claim starting! link HERE

Budget insurance cough up WON link HERE

Principles WON link HERE

A&L (Mrs Crusher's account) claim link HERE

Barclays claim link HERE

 

Any advice given is on an informal basis only and without prejudice or liability. In in any doubt, consult a qualified lawyer.

IF YOU HAVE GOT YOUR MONEY BACK, PUT SOME BACK INTO THE SITE TO HELP KEEP IT OPEN!

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Okay - I have had more time to look round the HSBC forums. Something tells me I am going to be disappointed if I am expecting statements, notes and transaction history going back further than six years.

 

Has anyone actually had this information, or is six years a figure HSBC are sticking to?

 

And if that is the case, has anyone made an estimated claim against HSBC, and if so, what was the bank's reaction?

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cant go back beyonf 6 years as they arent required by law to hold information this far back, which means that even though they prob do have it they dont have to disclose it to you as they can say they dont have it, so you wont see anything beyond 6 years

HSBC- £4995, settled payment in full

if you found this post helpful, please click the scales (top right of post), ta ;)

 

if you're not sure what to do?, Read the FAQ's

Unsure about what to claim, or confused about overdraft interest? Charges explanation

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Sorry - I was under the impression that a full disclosure Subject Access Request obliged the bank (or data controller) to provide ALL information that they hold on you, however far back it goes.

 

I agree with you when you say that they are not obliged to hold data for more than six years, but if they do hold it then I do not see how they can withold it. This surely defeats the point of making a full disclosure request.

 

I will go and read more about this point on the Information Commissioners site, but I am pretty certain that they MUST provide it if they have it. :eek:

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And you are quite right too. If they have more then 6 yrs, they MUST disclose more. I doubt even the banks would dare lie about that, as they could get found out really quickly. Sorry, Mav! :-)

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That's okay, it's a minor thing. As you say, they probably don't have information older than this, so are there any general guidelines on estimating the charges that have been taken?

 

I would like to start calculating my charges as soon as I receive the information from the bank, and being prepared now would be sensible.

 

Amber.

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This morning I received four envelopes from HSBC, containing copies of statements from July 2000 to July 2002. There were no notes, or any explanation as to why my request was only partially completed. Is this normal practice?

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That's what happened to me, only I think I had about 12 envelopes...

 

They will send the rest, probably on the 40th day, but don't hold out much hope of them sending you notes and evidence of manual intervention...:)

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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This morning I received four envelopes from HSBC, containing copies of statements from July 2000 to July 2002. There were no notes, or any explanation as to why my request was only partially completed. Is this normal practice?
I'm not so far from Wimbledon myself (three stops on the train) - would you be up for meeting for a coffee to discuss tactics?

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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That's cool...don't want to be too forward...

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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I would like to start calculating my charges as soon as I receive the information from the bank, and being prepared now would be sensible.

 

Amber.

 

There's some spreadsheets you can use. How good are you on spreadsheets? :-)

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