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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
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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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HFO Services and Windywoo.


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Did you make a complaint to the OFT?

If you did it would be worth giving them an update to make them aware of HFO,s latest tactics.

If you didn't could you please make one, do you still have the direct logistics card?

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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I complained to OFT, I'll send them an update!

 

Still treasuring the Direct Logistics Card!:-)

L/Woods B/Card/Cabot - Unenforceable CCA, SD Issued *WON+COSTS*

Capital One/Cabot - No CCA account irrecoverable.

Citi/DLC Hillesden - No CCA account irrecoverable

MBNA/Aegis - Unenforceable CCA

B/Card/HFO - Unenforceable CCA

Fashion World - No CCA account irrecoverable

TRUECALL IS A GODSEND!!

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Forgot to add to post 75.

 

BCW threw their toys out of their pram when I sent the SB letter (they said a payment had been made in March 2009 - £1.00 CCA request fee!!), and issued me with their "Final Response and FOS leaflet.

 

No response as yet to the letter sent to them along with their new buddies HFO!:-)

L/Woods B/Card/Cabot - Unenforceable CCA, SD Issued *WON+COSTS*

Capital One/Cabot - No CCA account irrecoverable.

Citi/DLC Hillesden - No CCA account irrecoverable

MBNA/Aegis - Unenforceable CCA

B/Card/HFO - Unenforceable CCA

Fashion World - No CCA account irrecoverable

TRUECALL IS A GODSEND!!

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Well done you! I have a Logistics card and the ****e they sent me when I rang up, may frame them!

At your Service

 

Please Double click the Star and leave a message if I have helped you

 

Please support CAG and they will support you.

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For anybody who is interested - new phone numbers appearing on my Truecall unit!

 

01132321086

01132321282

01132321087

 

Had a look on Whocallsme and there doesn't seem to be any reference. I've done a little bit of research (didn't take much) to realise these numbers are all in the vicinity of BCW!!

 

Looks like they are rather eager to get me to pay them something - think on!!

L/Woods B/Card/Cabot - Unenforceable CCA, SD Issued *WON+COSTS*

Capital One/Cabot - No CCA account irrecoverable.

Citi/DLC Hillesden - No CCA account irrecoverable

MBNA/Aegis - Unenforceable CCA

B/Card/HFO - Unenforceable CCA

Fashion World - No CCA account irrecoverable

TRUECALL IS A GODSEND!!

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And here's another one!

 

01133970133

 

Again, from same area!

L/Woods B/Card/Cabot - Unenforceable CCA, SD Issued *WON+COSTS*

Capital One/Cabot - No CCA account irrecoverable.

Citi/DLC Hillesden - No CCA account irrecoverable

MBNA/Aegis - Unenforceable CCA

B/Card/HFO - Unenforceable CCA

Fashion World - No CCA account irrecoverable

TRUECALL IS A GODSEND!!

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For anybody who is interested - new phone numbers appearing on my Truecall unit!

 

01132321086

01132321282

01132321087

 

Had a look on Whocallsme and there doesn't seem to be any reference. I've done a little bit of research (didn't take much) to realise these numbers are all in the vicinity of BCW!!

 

Looks like they are rather eager to get me to pay them something - think on!!

Leeds numbers.

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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BCW Leeds office

Floor 6

West one

Wellington Street

Leeds

LS1 1BA

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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And another!

 

01132321081

 

Obviously they haven't read my letters!! lol

L/Woods B/Card/Cabot - Unenforceable CCA, SD Issued *WON+COSTS*

Capital One/Cabot - No CCA account irrecoverable.

Citi/DLC Hillesden - No CCA account irrecoverable

MBNA/Aegis - Unenforceable CCA

B/Card/HFO - Unenforceable CCA

Fashion World - No CCA account irrecoverable

TRUECALL IS A GODSEND!!

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Maybe they have adopted the HFO/Turnbull Rutherford way of doing business? A lack of professionalism is catching!

“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

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Default has fallen off credit files - and they're still ringing!!:lol:

L/Woods B/Card/Cabot - Unenforceable CCA, SD Issued *WON+COSTS*

Capital One/Cabot - No CCA account irrecoverable.

Citi/DLC Hillesden - No CCA account irrecoverable

MBNA/Aegis - Unenforceable CCA

B/Card/HFO - Unenforceable CCA

Fashion World - No CCA account irrecoverable

TRUECALL IS A GODSEND!!

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Doesn’t actually mean much, it falling off your credit file... just means six years plus since the default was recorded. Bears no relation to actual payments.

“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

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It does to me! :-)

 

One down, three more to go!!:oops:

 

Still nothing in response to my SB letter to BCW and HFO!

L/Woods B/Card/Cabot - Unenforceable CCA, SD Issued *WON+COSTS*

Capital One/Cabot - No CCA account irrecoverable.

Citi/DLC Hillesden - No CCA account irrecoverable

MBNA/Aegis - Unenforceable CCA

B/Card/HFO - Unenforceable CCA

Fashion World - No CCA account irrecoverable

TRUECALL IS A GODSEND!!

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  • 2 weeks later...

Two letters in post from BCW this morning!

 

First one saying, they acted upon my email and asked HFO to furnish me with documentation requested in my correspondence (proof of payment 03/09), and have removed my phone number from their file (so it was them ringing from all those numbers!), and cessation of collection activities! (Love the way they word their letters btw!)

 

Second letter dated three days later, they have returned the account to HFO and I will receive no further communication from them!

 

Goodeee!!

L/Woods B/Card/Cabot - Unenforceable CCA, SD Issued *WON+COSTS*

Capital One/Cabot - No CCA account irrecoverable.

Citi/DLC Hillesden - No CCA account irrecoverable

MBNA/Aegis - Unenforceable CCA

B/Card/HFO - Unenforceable CCA

Fashion World - No CCA account irrecoverable

TRUECALL IS A GODSEND!!

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Blimey... a DCA following OFT guidelines. I just fell off my chair.

“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

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Nice one!

At your Service

 

Please Double click the Star and leave a message if I have helped you

 

Please support CAG and they will support you.

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  • 1 year later...

Well, I didn't think I would be ressurecting this old thread again!

 

In this mornings post, I was very pleased to receive a letter from Link Financial, telling me they had purchased the old HFO account, so for those of you who have had previous dealing with the delightful HFO Services - they could be writing to you! :lol:

 

Such a pity the account is long since SB!!

L/Woods B/Card/Cabot - Unenforceable CCA, SD Issued *WON+COSTS*

Capital One/Cabot - No CCA account irrecoverable.

Citi/DLC Hillesden - No CCA account irrecoverable

MBNA/Aegis - Unenforceable CCA

B/Card/HFO - Unenforceable CCA

Fashion World - No CCA account irrecoverable

TRUECALL IS A GODSEND!!

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At your Service

 

Please Double click the Star and leave a message if I have helped you

 

Please support CAG and they will support you.

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Well, I didn't think I would be ressurecting this old thread again!

 

In this mornings post, I was very pleased to receive a letter from Link Financial, telling me they had purchased the old HFO account, so for those of you who have had previous dealing with the delightful HFO Services - they could be writing to you! :lol:

 

Such a pity the account is long since SB!!

 

Another one! Lots more to come.

 

Check your credit record — make sure they're not reporting it.

“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

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Nothing on my credit report!

L/Woods B/Card/Cabot - Unenforceable CCA, SD Issued *WON+COSTS*

Capital One/Cabot - No CCA account irrecoverable.

Citi/DLC Hillesden - No CCA account irrecoverable

MBNA/Aegis - Unenforceable CCA

B/Card/HFO - Unenforceable CCA

Fashion World - No CCA account irrecoverable

TRUECALL IS A GODSEND!!

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Good. Keep an eye on it. Link are not nice.

 

Did the letter actually ask for any money, or was it just an NoA? Would like to see it.

 

Who do they claim to have bought the account from? Who was your debt actually with – Capital or Services?

“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

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They were begging for money,and the account was allegedly purchase from Services. Unfortunately, I filed the letter in the bin as it's firmly SB, and I have no itentions of paying them a penny!

L/Woods B/Card/Cabot - Unenforceable CCA, SD Issued *WON+COSTS*

Capital One/Cabot - No CCA account irrecoverable.

Citi/DLC Hillesden - No CCA account irrecoverable

MBNA/Aegis - Unenforceable CCA

B/Card/HFO - Unenforceable CCA

Fashion World - No CCA account irrecoverable

TRUECALL IS A GODSEND!!

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I would send them the correspondence from BCW and tell them to do one otherwise you will involve the FCA immediately.

 

I wonder if Link have employed any ex HFO people in the collection of these alleged debts...

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The Letter I received from link was sent to say they have bought the account but it did have a request for payment and bank details of where to pay so I would say that in my letter from link they are asking for money.

 

 

I am a member ofl the online credit checking services operated by the credit reference agencies so am keeping a very close eye on my credit file too.

Good. Keep an eye on it. Link are not nice.

 

Did the letter actually ask for any money, or was it just an NoA? Would like to see it.

 

Who do they claim to have bought the account from? Who was your debt actually with – Capital or Services?

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