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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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Hi i cant remember where wilko put his quote,,it was on someones else thread not his own ..i will look around when i have more time ..The trouble with these CCAs is none of us know if the terms and cons where on the back when we signed,,They could just be cut and paste jobs!! there are loads of us with these and i and most others have only known wilko going to court on this!! someone else asked to view the original at there local branch..\Halifax totally ignored the question!!..Im just gonna sit tight and see if they issue now!! i find keep writing to them is pointless:)..On the agreements it does say we have received a copy of the T & C wich avers to them being in a different document

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BUMP

 

Sorry chaps I had to re-edit my post but it is now correct and would apreciate you views and that of site team

 

hellp ! :eek:

 

F

The Story So Far...

 

Barclaycard - Fingers Vs Barclaycard

Egg - Egg Credit Card CCA Agreement - help

Halifax - Halifax Credit card CCA

IF - CCA received

Lloyds - Lloyds CCA

MBNA-CCA received, challening

Virgin - Virgin Card CCA May 2006 - Help Required

 

OH Barccard - 2 s78 letters, on 2nd cpr

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..if you type in the SEARCH bar HALIFAX CCA you will see a load of us with the same stuff ...SUSSEX thread is a good thread..No one really knows if the ccas are enforcable, al we know is that they are improperly executed so would have to go court to be enforced

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BUMP

 

Hi 42 Man,would be really gratefulif you could review my last post at 10.42

 

Just wondered what you thoughts are on the scanned T & Cs on the back of the photcopied cca

 

how would you proceed from here ??

 

cheers

 

f

The Story So Far...

 

Barclaycard - Fingers Vs Barclaycard

Egg - Egg Credit Card CCA Agreement - help

Halifax - Halifax Credit card CCA

IF - CCA received

Lloyds - Lloyds CCA

MBNA-CCA received, challening

Virgin - Virgin Card CCA May 2006 - Help Required

 

OH Barccard - 2 s78 letters, on 2nd cpr

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Bump

 

Hi Guys

 

I am still unsure what do do with Halifax. Clearly the precribed terms are not there in the front page document but contained within the T & Cs they have photocopied on the reverse.

 

How would you go forward with this one? Post 24 is my key post I need help with.

 

Cheers

 

Fingers

The Story So Far...

 

Barclaycard - Fingers Vs Barclaycard

Egg - Egg Credit Card CCA Agreement - help

Halifax - Halifax Credit card CCA

IF - CCA received

Lloyds - Lloyds CCA

MBNA-CCA received, challening

Virgin - Virgin Card CCA May 2006 - Help Required

 

OH Barccard - 2 s78 letters, on 2nd cpr

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  • 2 weeks later...

Hi fingers, it looks like I have been sent the same as you, and on the back of the page where it has my signature, it also looks like the t&c has been cut and pasted on the back, here is a link to my cca that I received today Pictures by mazza1970 - Photobucket

NatWest

 

S.A.R - (Subject Access Request) sent - 02/01/07

Statements received - 15/01/07

Prelim sent - 24/01/07

LBA sent - 15/02/07

Claim filed in court - 20/03/07

Court date received for 26th June - 01/06/07

Received offer for full & final settlement from Cobbetts - 22/06/07:D :D

 

 

Capital One

 

S.A.R - (Subject Access Request) sent - 26/06/07

Statements received - 03/07/07

Prelim letter sent - 17/07/07

Letter received - 07/08/07 - WON!!:grin:

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Hey Mazza

 

I am taking legal advice on my halifax agreement should have some feedback within next 2 weeks. When I do I will post it up as no doubt will apply to you.

 

In the meantime just to be ultra cautious on your CCA copy you can see your pesonal details on the reverse page of of the T & Cs on photobucket...albeit the details are backwards I would just rescan this !

 

Fingers

  • Haha 1

The Story So Far...

 

Barclaycard - Fingers Vs Barclaycard

Egg - Egg Credit Card CCA Agreement - help

Halifax - Halifax Credit card CCA

IF - CCA received

Lloyds - Lloyds CCA

MBNA-CCA received, challening

Virgin - Virgin Card CCA May 2006 - Help Required

 

OH Barccard - 2 s78 letters, on 2nd cpr

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Hey Mazza

 

 

In the meantime just to be ultra cautious on your CCA copy you can see your pesonal details on the reverse page of of the T & Cs on photobucket...albeit the details are backwards I would just rescan this !

 

Fingers

 

Thanks Fingers, I have deleted that bit of the set just in case, I never even noticed!! Thanks for noticing!! :-D

NatWest

 

S.A.R - (Subject Access Request) sent - 02/01/07

Statements received - 15/01/07

Prelim sent - 24/01/07

LBA sent - 15/02/07

Claim filed in court - 20/03/07

Court date received for 26th June - 01/06/07

Received offer for full & final settlement from Cobbetts - 22/06/07:D :D

 

 

Capital One

 

S.A.R - (Subject Access Request) sent - 26/06/07

Statements received - 03/07/07

Prelim letter sent - 17/07/07

Letter received - 07/08/07 - WON!!:grin:

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Gotta watch each others backs !!:)

The Story So Far...

 

Barclaycard - Fingers Vs Barclaycard

Egg - Egg Credit Card CCA Agreement - help

Halifax - Halifax Credit card CCA

IF - CCA received

Lloyds - Lloyds CCA

MBNA-CCA received, challening

Virgin - Virgin Card CCA May 2006 - Help Required

 

OH Barccard - 2 s78 letters, on 2nd cpr

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  • 2 weeks later...

well its seems most of us have received these 5 pages of agreement from halifx

 

i dont know about anyone else but no way are they real - clearly they have been knocked up recently to try and cover all the points and i note in all the posts they keep referring to them being an exact copy ( yes but not of the original agreement) just an exact copy of what they now claim to be part of the original agreement.

 

i for one am prepared to let them go all the way to court on mine and ill seek proof of every last detail of who how what where when this stuff was produced from

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I requested my Halifax CCA from 1st Credit back in January. All I have had is the application form like you guys and the prescribed terms clearly scanned onto the reverse of the application form with my signiture on it. Obviously 1st Credit are claiming that this is perfectly acceptable etc etc. No sign of any court action yet though!

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Hi All

 

Still waiting for the solicitors advice on it but when I get it I will post it up.

 

F

The Story So Far...

 

Barclaycard - Fingers Vs Barclaycard

Egg - Egg Credit Card CCA Agreement - help

Halifax - Halifax Credit card CCA

IF - CCA received

Lloyds - Lloyds CCA

MBNA-CCA received, challening

Virgin - Virgin Card CCA May 2006 - Help Required

 

OH Barccard - 2 s78 letters, on 2nd cpr

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  • 1 month later...

Hi All

 

In my original account in dispute letter I stated the following:

 

Furthermore you should be aware that a creditor is not permitted to take ANY

Action against an account whilst it remains in dispute

The lack of a credit agreement is a very clear dispute and as such the following applies

You may not demand any payment on the account, nor am I obliged to offer any payment to you

You may not add further interest or any charges to the account

You may not pass the account to a third party

You may not register any information in respect of the account with any credit reference agency

You may not issue a default notice related to the account."

 

Does anyone know where these specific guidelines come from?

 

On one of my other threads someine suggested OFT guidelines and the Banking Code ??

 

Does anyone know ?? and where can I find the original references ??

 

Cheers

 

Fingers

The Story So Far...

 

Barclaycard - Fingers Vs Barclaycard

Egg - Egg Credit Card CCA Agreement - help

Halifax - Halifax Credit card CCA

IF - CCA received

Lloyds - Lloyds CCA

MBNA-CCA received, challening

Virgin - Virgin Card CCA May 2006 - Help Required

 

OH Barccard - 2 s78 letters, on 2nd cpr

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Hi all. I'm new to all of this and I've been reading the thread with interest.

Thank God I'm not alone in this horrible mountain of debt :mad:

 

After going through the CCCS, Halifax/BOS defaulted me on 3 cards and passed the account to various DCAs. I requesed the CCAs and have had the following:

1 - A signed credit agreement from Halifax/Sainsbury's - BOOO! It's my writing.

2 - Halifax/Amazon - Pages of an agreement, no writing or signature (could have been typed up yesterday for all I know!).

3 - Moorcroft (DCA to whom the payments are made) say that they're no longer dealing with the Halifax account - news to me

 

In both letters where they can't provide the CCA they say that they don't have to send the signed original copies.

 

Barclaycard have sent photocopied conditions of use and a blank application form.

 

What happens now? If they can't provide these CCAs should I stop paying them? I'm probably too naive to this and thought that if I stop paying them, it'll go to court and get thrown out. I won't have to pay and eventually I'll get the defaults removed.

 

I am mad!!!:mad: Why do they lend out such huge amounts????

- BlondieGirl

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Hi all. I'm new to all of this and I've been reading the thread with interest.

Thank God I'm not alone in this horrible mountain of debt :mad:

 

After going through the CCCS, Halifax/BOS defaulted me on 3 cards and passed the account to various DCAs. I requesed the CCAs and have had the following:

1 - A signed credit agreement from Halifax/Sainsbury's - BOOO! It's my writing.

2 - Halifax/Amazon - Pages of an agreement, no writing or signature (could have been typed up yesterday for all I know!).

3 - Moorcroft (DCA to whom the payments are made) say that they're no longer dealing with the Halifax account - news to me

 

In both letters where they can't provide the CCA they say that they don't have to send the signed original copies.

 

Barclaycard have sent photocopied conditions of use and a blank application form.

 

What happens now? If they can't provide these CCAs should I stop paying them? I'm probably too naive to this and thought that if I stop paying them, it'll go to court and get thrown out. I won't have to pay and eventually I'll get the defaults removed.

 

I am mad!!!:mad: Why do they lend out such huge amounts????

 

cross out your personal details (even the one in your handwriting) and post them up for us to look at

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  • 1 month later...
Fingers,

 

did anything ever happen with the solicitors?

 

Hey Indebt

 

The sols have seen my Halifax agreement and think I have a case.

I am waiting for the conditional fee agreement from them to sign and return. They mentioned the recent Leeds case vs HBOS ? think it was the ratio money case the old Mike Le Vell where they got the old man off £15K of Halifax credit card debt.... I think that case worked on the same principles ...lack of terms and conditions...the ones they are photocopying on the back of our CCAs..

 

Its slow progress my end...but if I didnt have my credit file to think of (because of my job) i wouldnt be paying halifix a penny now....

 

Chin up!

 

Fingers

The Story So Far...

 

Barclaycard - Fingers Vs Barclaycard

Egg - Egg Credit Card CCA Agreement - help

Halifax - Halifax Credit card CCA

IF - CCA received

Lloyds - Lloyds CCA

MBNA-CCA received, challening

Virgin - Virgin Card CCA May 2006 - Help Required

 

OH Barccard - 2 s78 letters, on 2nd cpr

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Hi Fingers

 

Thats great news..I have the same CCa has you also ..And not payed halifax in 17 mths ..Not heard aword ..Now i know why ..And thanks :)

 

Could also be the fact that me DN is rubbish too,,Dated 21 jan ..To pay by 29 jan

Edited by babydoll0141917
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