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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
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    • 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.
       
      • 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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1st Credit Have Employed Judge & Priestly * NEW TACTICS*


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...are you sure that they haven't also got a Connaught-desk somewhere in the same Room??

 

Yes in the toilet!!!

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If i can get enough members on here to join my plan...im thinking of having a "report 1st Credit to the OFT" day - were we just bombard the OFT with loads of complaints about 1st Crud in a specific day :D

 

Dependant on how my OH's thing with MBNA that 1st Credit have taken over goes, I may be joining you on that one ;)

I am not a lawyer - I'm an Engineer with an interest in law. Advice is given with out prejudice and is my opinion on the information I have been provided with based on my experience, understanding and interpritation of law. If you are in any doubt please seek the advice of a qualified and insured legal professional.

 

Victories:

Abbey (OH) - £680 ..... Barclaycard (OH) - £2200 ..... MBNA (OH) - £1800 ..... Shop Direct (OH) - £220

Brunell Franklin (a.k.a. Conkers) - Out of "contract" & no charge

:D

 

In Progress:

MBNA (OH) - PPI & bad default with premature termination

Capital One (OH) - ~£800 Penalty Charges

Suzuki Finance/Blackhorse (OH) - Commission, Unlawful removal, PPI, Charges

 

A Lightbulb Shop - "loss of bargain"

 

If i've helped, please feel free to hit the star ;)

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Nice, it's on my birthday!

 

anyone tempoted to go along :D

 

 

@op, please post the letter, it will be interesting to see what they are saying now!

 

 

Oh Boy can cos I understand he/she is one of them;)

 

"believe me it's not nice":eek: .............More rubbish I'm afraid:lol: Shoosmiths (who are well established) have been running these seminars for ages During Shoosmiths seminars they at least warn the creditors & the DCA's to be very careful & not to lie cos under the 2006 Fraud Act they could find themselves being hauled off to the nick for attempted fraud for making claims to extract payment which aren't true:grin:

Edited by JonCris
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During Shoosmiths seminars they at least warn the creditors & the DCA's to be very careful & not to lie cos under the 2006 Fraud Act they could find themselves being hauled off to the nick for attempted fraud by making claims to extract payment which aren't true:grin:

If only the DCAs actually listened...

 

 

The seminar isn't nice, but it's worse I have to share a birthday with it!

 

Hmmmmm, perhaps CAG need to send a "Delegation". perhaps subtly put CAG in there by listing the company as "Crooks And G*ts" (names, not insults :rolleyes:, but it would be a great name for a DCA none the less ;)) :D

 

I'll get my coat and get back to my lab prep!

I am not a lawyer - I'm an Engineer with an interest in law. Advice is given with out prejudice and is my opinion on the information I have been provided with based on my experience, understanding and interpritation of law. If you are in any doubt please seek the advice of a qualified and insured legal professional.

 

Victories:

Abbey (OH) - £680 ..... Barclaycard (OH) - £2200 ..... MBNA (OH) - £1800 ..... Shop Direct (OH) - £220

Brunell Franklin (a.k.a. Conkers) - Out of "contract" & no charge

:D

 

In Progress:

MBNA (OH) - PPI & bad default with premature termination

Capital One (OH) - ~£800 Penalty Charges

Suzuki Finance/Blackhorse (OH) - Commission, Unlawful removal, PPI, Charges

 

A Lightbulb Shop - "loss of bargain"

 

If i've helped, please feel free to hit the star ;)

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Nice, it's on my birthday!

 

anyone tempoted to go along :D

 

 

@op, please post the letter, it will be interesting to see what they are saying now!

 

'tis my birthday too :D

:)I am not an expert, but I can give good advice about Brighthouse:)

 

Am learning more and more about DCA's too :)

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

 

<------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!

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explains an awful lot,including the lack of said letter for our perusal

 

these guys are a joke....

 

OH Boys profile

Signature ** Credentials **

 

10 Years Finance Fraud Investigator

 

5 Year High Court Sheriffs

 

2 Years Tip Staff Royal Courts

 

Currently : HMCS Enforcement Officer

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Judge & Priestley - top quality solicitors, or cheap and nasty DCA - you decide:

 

Letter before action

Once your invoices have reached 60-90 days we can send out a letter before action on our solicitor’s letterhead for only £2.00 including VAT. The intention is to provoke a response from your debtor so that they pay you or at least make contact to arrange to pay you.

 

Check out their Rogue's Gallery.

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HOW LONG is it going to take for the OFT to act? :confused:

 

Do they think we're so stoopid as to let a change in their sols to put us off :p

 

This bunch of nutters will only ever stop this nonsense when their CCL is revoked and they're closed down :rolleyes:

"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

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Free Debt Recovery seminar

 

Thursday 19 March. This seminar has been created to provide ideas and advice on how to deal with late payers and customers who are "avoiding your calls".

 

Research has shown that debt of up to 30 days has a 98% chance of recovery. This reduces to 59% at 6 months and then to only 13% when the debt is 2 years old.*

 

 

Blimey, these guys went to the same school of sales/marketing/bullsh*t as I did, still the old ones are the best!

 

Quoting Percentages: When quoting percentages NEVER quote in tens ie 50%, 60% etc as it looks like you have plucked the figure out of the air.

 

This reduces to 59% at six months.....appears to be a researched figure and is infinately more believable, when in fact of course, you have in fact plucked it out of fresh air.:grin:

 

A six month old debt is already an accountancy write off and has a value of less than 10%, which accurately reflects the chances of collection.

 

2 years down, the chances are approaching zero.

 

David

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Blimey, these guys went to the same school of sales/marketing/bullsh*t as I did, still the old ones are the best!

 

Quoting Percentages: When quoting percentages NEVER quote in tens ie 50%, 60% etc as it looks like you have plucked the figure out of the air.

 

This reduces to 59% at six months.....appears to be a researched figure and is infinately more believable, when in fact of course, you have in fact plucked it out of fresh air.:grin:

 

A six month old debt is already an accountancy write off and has a value of less than 10%, which accurately reflects the chances of collection.

 

2 years down, the chances are approaching zero.

David

 

Or court if they have the b**** ;)

"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

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Judge & Priestley - top quality solicitors, or cheap and nasty DCA - you decide:

 

 

 

Check out their Rogue's Gallery.

 

"We are also committed to growing our own capabilities. All our solicitors and many of our support staff attend regular training seminars and use on-line research facilities to ensure that they keep up-to-date with changes in the law."

that'll be a first then.... ;)

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Perhaps not but another bunch of bargain basement solicitors will not scare those who research this forum.

 

One would have to think that whatever reputation J&P had will be sullied once they get into bed with 1stC.

 

I look forward to dispatching them in due course.

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Just let the OFT decide what's what here as they're s'posed to be investigating. It's not up to us to decide if the OP is a troll or not, we need to make sure genuine posters know to complain to TS and OFT to add to the weight of what's already been said.

 

If anyone is in doubt here make a complaint to TS and OFT. It all adds up and 1st crud will soon lose their CCL if the OFT has the guts to revoke it ;)

"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

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Whilst we await the scanning, the letter says that they are instructed to issue a SD after 7 days if they have not heard from me, or me failing to give a valid reason for not paying the full amount.

 

I thought that not only was 1st Cred barred from these threats but also agents acting under their (1st Cred ) instructions.

 

THIS IS IN ADDITION TO :-

 

Con-alls, having already made threats 3 weeks ago about an SD, after the OFT slapping, they then wrote a more civilised letter, now this?

 

Oh Boy, what next!

** Credentials **

 

10 Years Finance Fraud Investigator

 

5 Year High Court Sheriffs

 

2 Years Tip Staff Royal Courts

 

Currently : HMCS Enforcement Officer

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I if the site team think that i am setting people up then they should get rid of me.
And we haven't.

 

Please will everyone on this thread obey site rules.

 

If the slanging match continues, the thread will be either moved to the bear garden or closed.

Steven

 

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My Wins

 GE Money Won unconditionally May 2007

NatWest Won unconditionally August 2007

Brighthouse Won unconditionally August 2007

Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)

Clydesdale Financial Services (now BPF) Won unconditionally February 2008

 

Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.

 

Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.

 

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And we haven't.

 

Please will everyone on this thread obey site rules.

 

If the slanging match continues, the thread will be either moved to the bear garden or closed.

 

Thank you steven :)

"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

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Nice, it's on my birthday!

 

anyone tempoted to go along :D

 

 

@op, please post the letter, it will be interesting to see what they are saying now!

 

It's my birthday too on the 19th!

My 40th to be precise.

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