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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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CCA Request to Barclays


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Thanks for looking by Spamheed. As you observe the devil is in the detail when you deal with Cabot, which was why I was wanting to check.

Your point about my point 1 is interesting. I have been trying to tie them down on this, but it is like trying to lassoo a fart! I will try again, but I am pretty sure they do own it but are using their usual obfuscation when it suits them to bat me over to BC (I am not quite as charitable as you to consider it "being confused"). I have also chased them on the default notice - Cabot say this was issued in July 2009, but I certainly dont have a copy of it and dont remember receiving one. On the one hand their goons (variously Robinson Way and Connaught) were seeking the full balance round about then. But on the other hand, in their last letter to me before Cabot came on the scene, Barclaycard were threatening a default notice in July last year. For the record, I didnt get one then either. That is a bit curious is it not?

I may just do a SAR on BC and see what pops up.

As for the account itself, lets just say I think I am right in saying that Harold Wilson (remember him) was still PM when it was opened (though not for long before Sonny Jim - or was it Sunny Jim? - moved in). The amount owed is more than 2k but not 4k! I think the last time i made payment toward it would have been in 2008 - so no question of SB just yet!

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Have you checked your credit file, it's a quick and easy way of confirming if and when the account was defaulted.

 

It was only when Morgan became involved with my case that I was able to ask for and receive information, before that you tend to get either automated responses or half baked attempts to confuse made by call centre drones.

 

I clarified the nature of the assignment using a CPR18 request, that way it became part of their case when they went litigatious, if they think they have a good case, or even half a good case and if you are a homeowner then they will quickly try to move it through their system. if not, then you could expect something more like this

 

It was Egg and Cabot themselves who provided the real evidence for the defence, and this I got from an SAR, so I coulodn't recommend getting a SAR at your earliest any higher, it is amazing how much stuff they retain.

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Please note: i am not a qualified lawyer, any advice is offered in good faith and is based on my own and others experiences and a penchant for research and a desire to help others to empower themselves

 

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You are totally right about this. A year or so ago I was getting heat from Tesco Finance about an account they had bought from RBS. Then a SAR turned up from RBS which included the statement "we cannot find your original application form". Oh joy!

I will get a letter in the post to BC this weekend. If I get grief from Cabot in the meantime, I will advise them of this. But a SAR can take 40 days - so could be mid March before I get a response. I will get back to you with what pops up from this. But thanks for your advice meantime.

SFU :-)

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  • 1 month later...

Hi SFU

 

Was wondering if you have had any response from BC. We are more or less in the same position as you with BC and Cabot. Fingers crossed we have not heard from Cabot since advising them CCA received from BC was unenforceable, that was in December,( hope I am not tempting fate.....). Hopefully they have not been able to dig your CCA up from their archives.

 

HAve a good Day.

Cheers

AFW

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nope, all very quiet. I have sard BC, mainly from the POV of do they have a DN? Or even a note of a DN in the log. We'll see. But what they have sent already re an agreement is just dross - typed name and address at the top of a set of standard T&Cs and an application form (it even says this) which has my name but not a T or C in sight and doesnt even refer to the CCA (it is kind of old though). They have till about middle of next month to get back to me about it, so we will see what (if anything) there is there.

But not a dicky from Cabot - and long may that last.

SFU:roll:

Edited by seriously fed up
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Hi Seriously fed up, I too had dealings with Cabot over a Visa Card Account. I sent them a CCA Request in 2009 Got a reply saying they were in contact with the original issuer, as yet have not had any reply. I then followed up by sending them a letter putting the account they had/have in dispute. Still no reply. So stick to your guns and use the templates on this website.

 

Keltyboy

Success with PPI from Welcome Finance

 

REgards... Remember to Support Our Troops :lol:

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