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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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Visa card CCA - Enforceable ?? -

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Quick brief. Defaulted on Bank of Scotland card in 2002. Default notice issued. Been paying back through CCCS ever since. Found this site at the end of last year and sent them a CCA request. No response at 12+2 so i sent them in dispute letter. The very next day after they signed for it, i received this.


What it looks like to me is an Application Form (It says Application Form at the top although it is very bad quality :-




Page 1 of the Terms and Conditions. Now this is where i think they have been a bit naughty. It says at the top, The parties to this agreement are:- BOS and they're address. Beneath this is my name, but the address they have put for me is wrong. I didnt actually move into the address they are stating until 3 months after they issued me with the card and i never applied for any credit at the new address. So the address on the application form and the address on the T&Cs is completely different. Looks like they have doctored the T&Cs in a hurry and put the wrong address on, the fools !!




Page 2 (T&Cs continued)




Page 3 (T&Cs continued but in a completely different font !!!)






Can someone just confirm if these is valid or not and if not possibly help with a letter possibly with a bit about them being naughty for doctoring T&Cs and messing it up.


One last thing. Blair, Oliver & Scott have been administering the account since 2002. I CCA'd Blair Oliver & Scott but received this info back with a Bank of Scotland headed letter. I know they are one & the same but should i write back to Blair, Oliver & Scott or Bank of Scotland.


Many Thanks

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We have heard of this kind of thing happening before. I would say that the document has no validity and that they are unable to satsfy the requirements of the CCA


More evidence of the unscrupulous behaviour of this bank

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  • 1 month later...

Hi All


Please can someone take a look at the latest letter that i have received from BOS because i am a bit confused now.




It states that they have complied with Section 78 of the CCA 1974 but if you look at my screen grabs in the first post i only ever received a copy of an application form and some forged T&Cs. Also the letter says that the CCA 1974 does not prohibit collection activity when the account is in dispute. I thought if an account was in dispute they couldnt ask for payment


Any help would be greatly appreciated as to what to do next. Do i just ignore them, SAR them or start payments again.





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sorry to bump my own post but can someone please help. Blair Oliver & Scott have started the phonecalls and im unsure what to do. Can someone reply to my last post.





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They lie. A lot :rolleyes:


Just tell them that you won't be paying them any more until they supply a proper CCA as required by law, and that you will vigourously defend any court action. Then ignore anything else, the ball is in their court after that.

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  • 1 year later...

Back in 2002 i started a DMP with CCCS,

wrote to all my creditors explaining i was in difficulty and would be repaying reduced payments.



Pretty much everyone except HBOS issued defaults straight and as of now my credit file is clear

EXCEPT for HBOS who originally chose to accept reduced payments for 4 years and then decided to issue a default notice in 2006.



This is now hurting my credit file.



I have written to them and they replied saying they were well within their right to do this and the default would be staying.



Simple question then.



Are they within their rights to wait so long before issuing a default

and could i take this further to get it removed.



Thanks for you help.

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IMO a default is normaly actioned and enetered onto a CRF 4 weeks after the defautl has occurred, so by them failing to up date your file when the account was in actual default, is against the DPA S.10, and a formal complaint should be sent to HBOS as well as the CRA's who have allowed this incorrect information to be placed on your file.


If they are reluctant to correct the actual date of default then you should involve the ICO http://www.ico.gov.uk/complaints.aspx and send HBOS an LBA with a view to taking them to court to sue for damages.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!



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I believe that a default must be filed within 6 months, I am sure someone will correct this if I am wrong

I have no legal training, any knowledge I have has come from this forum, and my own experiences. Always balance up any advice you get with your own common sense.

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THIS IS COURTESY OF PINKY69 OFF ANOTHER THREAD TODAY I'm sure she won't mind me copying it


The ICO's Technical Guidance on defaults states that a default should be entered with a reasonable time after an agreement Breakdown and suggest it should be entered no later than 6 months after the breakdown. To enter a default on an account 5 years after the breakdown occured is against ICO guidelines. Tell DLC to remove the default or you will make a formal complaint to the ICO to have it removed. You can find the full guidelines on filing defaults under Data Protection on the ICO's website


I have no legal training, any knowledge I have has come from this forum, and my own experiences. Always balance up any advice you get with your own common sense.

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Accuracy of a lender’s default records

39 Records

Any default record should be accurate. We normally expect a lender to keep records that are necessary to show an agreement exists and to support filing a default. We would also expect a lender to be able to produce evidence to justify a default record they had placed on a credit reference file. Not having any supporting records may indicate a breach of the data protection principle requiring personal data to be adequate, relevant and not excessive for the purpose for which it is processed. A record that a notice of an intention to file a default was sent, if not a copy of the notice itself, will help lenders to comply with this requirement.


Agree entirely with BB - found the above which may be of some help.

Every journey begins with a single step :):)


Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.


If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You


The only person entitled to your Personal Finance details is a Judge not a DCA


Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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I believe that a default must be filed within 6 months, I am sure someone will correct this if I am wrong


The ICO default guidelines state:


• Accounts should normally be filed as being in default where those payments due have not been received for six months.



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Deal with your debts:

STEP ONE - Dont Panic! | STEP TWO - Priority & Non Priority Debts | STEP THREE - Personal Budget Sheet | STEP FOUR - A SAFE bank Account | STEP FIVE - Dealing with Priority Debts | STEP SIX - Non-priority Debts | STEP SEVEN - Non-Priority Debt-Repayment Opt1 | STEP EIGHT - Non-Priority Debt-Repayment Opt2 | STEP NINE - Perils of Consolidation | STEP TEN - RE-Evaluate Frequently


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IMPORTANT: Please take my advice in the spirit it is given and on the basis that I am expressing my opinion, These opinions are not endorsed by CAG in anyway and are offered informally without prejudice or warranty of any kind. These opinions are solely based upon the knowledge I've gained from this fantastic site and life in general. I have NO legal training.

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And kick up a stink with these irritating CRA's aswell!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!



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