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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.
       
      • 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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Tate-Lloyd/Claims Management UK


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This is about the creditors sols not understanding the law that they use. How is it then that so many clients have been successful in their claims?

 

The company that you paid your money to should be dealing with them not leaving you to deal with this. The law they use does make sense, it's just that the banks don't understand it.

 

 

I'm sorry but I'm getting the impression this thread is turning into an advert for these solicitors from your responses.

 

So would you care to disclose which law they use ?

 

I'm sure there are no copyright issues on the Laws of this country.

Edited by MARTIN3030

 

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I am imagining they are using anti-harrassment injunctions to stop creditors from the info that has been posted.

 

However, I am sure they could start a claim if they had a valid CCA unless they have managed to include a cover-all term that no further litigation may be pursued against the debt when obtaining default judgment.

 

Having been on this forum for over six months, I cannot see how any creditor will not defend such an action - Indeed most creditors are very aggressive about going to court !

 

I don't understand the point you are making

Edited by MARTIN3030
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I have been viewing this forum over the last few weeks, and am very alarmed to note, that everyone on here thinks that these Solicitors.

 

Whilst Caroline 2009 believes that it is bankers that are unsure of the law, I can only wonder how she believes that these are when they are not legally qualified.

 

If anyone is concerned regarding the service received from this organistation I would STRONGLY recommend that they contact Trading Standards and the Law Society. Passing yourself off as a Solicitor is a criminal offence.

Edited by MARTIN3030
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I have been viewing this forum over the last few weeks, and am very alarmed to note, that everyone on here thinks that these are Solicitors.

 

Whilst Caroline 2009 believes that it is bankers that are unsure of the law, I can only wonder how she believes that these are when they are not legally qualified.

 

If anyone is concerned regarding the service received from this organistation I would STRONGLY recommend that they contact Trading Standards and the Law Society. Passing yourself off as a Solicitor is a criminal offence.

i agree this is what the solicitors told me i have just been on the phone to tate lloyd they said they are going to send a letter out to the creditors do they have there own law? caroline2009 seems to know how they work but no solicitors do

Edited by MARTIN3030
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That is because they are NOT Solicitors. Neither are they qualified to give legal advice.

 

If I were you I wouldn't give them any money, and I would seek advice from a proper Solicitor.

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i agree this is what the solicitors told me i have just been on the phone to these they said they are going to send a letter out to the creditors do they have there own law? caroline2009 seems to know how they work but no solicitors do

 

 

I suspect that Caroline2009 works for Them and I wouldn't be surprised if she was in fact **EDIT**

 

No one has their own law. But in order to advise people on the law, you should really be qualified to do so. If you are concerned, seek advice elsewhere.

Edited by MARTIN3030
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I don't understand the point you are making

 

My point - I have yet to see a creditor back down to a legal threat no matter how well it is drafted.

 

And like others, I am bemused as to what Law is being cited to these creditors that they become so tame and roll over.

 

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I suspect that Caroline2009 works for These and I wouldn't be surprised if she was in fact ****

 

No one has their own law. But in order to advise people on the law, you should really be qualified to do so. If you are concerned, seek advice elsewhere.

to late i payed these 4 months ago on my credit card they told me to put it on there and the debt will be cleared so it cost me nothing still no debt cleared

Edited by MARTIN3030
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to late i payed these 4 months ago on my credit card they told me to put it on there and the debt will be cleared so it cost me nothing still no debt cleared

 

Have you been paying any money to your creditors?

Edited by MARTIN3030
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I also have been contacted by a Cmc and paid them and as C123, I put the costs on my credit card as the debt would be written off. The communication from these has been zero. I think the only good thing is that I haven't stopped paying my creditors because it seemed to good to be true and didn't want to get myself into anymore problems.

Edited by MARTIN3030
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I requested a callback from them by email and phone, what a shock, I have heard nothing!

Edited by MARTIN3030
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I can only suggest that if you are unhappy to seek advice elsewhere. I seriously think that the Ferret and Watchdog would be interested in the activities of the [problem] firm of *****

Edited by MARTIN3030
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to late i payed these 4 months ago on my credit card they told me to put it on there and the debt will be cleared so it cost me nothing still no debt cleared

 

Sorry this is an outright lie as they do not have a merchant facility.They do not take payment direct from clients.

Edited by MARTIN3030
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I can only suggest that if you are unhappy to seek advice elsewhere. I seriously think that the Ferret and Watchdog would be interested in the activities of the [problem] firm of *******

 

This comment could see you sued under the Defamation Act 1996.

Edited by MARTIN3030
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I have been viewing this forum over the last few weeks, and am very alarmed to note, that everyone on here thinks that not eeryone thinks that *****are Solicitors.

 

Whilst Caroline 2009 believes that it is bankers that are unsure of the law, I can only wonder how she believes that these are when they are not legally qualified.

 

If anyone is concerned regarding the service received from this organistation I would STRONGLY recommend that they contact Trading Standards and the Law Society. Passing yourself off as a Solicitor is a criminal offence.

 

The problem with these forums is that there is no minimum IQ required to be able to post. It therefore opens itself up to the opportunity for aggrieved people to jump to all sorts of inaccurate conclusions.

 

Have They actually told you personally that they are solicitors or law graduates/doctor of law acting as case managers?

Please establish all your facts before jumping to conclusions.

Otherwise it is liken to adding 2+2 and saying the sum is 6!!

Edited by MARTIN3030
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I requested a callback from these by email and phone, what a shock, I have heard nothing!

Final office move completed today. No work has been done this week due to this.

Please be patient.

Edited by MARTIN3030
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This comment could see you sued under the Defamation Act 1996.

 

 

Hi Caroline,

 

Why would that be ?

 

As other posters have pointed out, these can't be found - The Law Society - Find a solicitor

Edited by MARTIN3030

 

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I suspect that Caroline2009 works for these and I wouldn't be surprised if she was in fact ****

 

No one has their own law. But in order to advise people on the law, you should really be qualified to do so. If you are concerned, seek advice elsewhere.

 

What do you mean

noone has their own law?

These do not advise on law but put a debt through a process. Have they told you that they advise on law?

 

As stated before there is no minimum IQ requirement to post on forums and this enables so much nonsense to be written on these forums.

 

No I am not Tate but more American in my views and not knocking enterprising people. I also pride myself on seeing situations clearly through establishing facts. In larger organisations like banks staff are analysed on their ability to gather information before jumping to conclusions.

 

The comments on this forum are concerning in their disregard of many facts and unclear views. Noone seems to consider where the fault clearly lies and I do not wish to get myself sued by stating it.

If you look through the threads it seems fairly obvious to me!

Edited by MARTIN3030
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Hi Caroline,

 

Why would that be ?

 

As other posters have pointed out, Tate-Lloyd can't be found - The Law Society - Find a solicitor

After looking at this in more depth I have discovered that they do not purport to be solicitors.

By saying that they are a [problem], you could be sued and just consider the implications for one moment if you are incorrect.

 

Please do your research.

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I have been told on more than one occasion that my file is with the "solicitors" upstairs, and also that when an email is sent it is the "solicitor" that receives it and passes it on to a member of staff. Caroline, before you unconditionally defend these, perhaps you should be fully aware of the information being provided by their staff.

Edited by MARTIN3030
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I have been told on more than one occasion that my file is with the "solicitors" upstairs, and also that when an email is sent it is the "solicitor" that receives it and passes it on to a member of staff. Caroline, before you unconditionally defend these perhaps you should be fully aware of the information being provided by their staff.

 

Well so what you have said is that their staff have misled you.

Edited by MARTIN3030
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I also have been contacted by a CMC and paid them and as C123, I put the costs on my credit card as the debt would be written off. The communication from them has been zero. I think the only good thing is that I haven't stopped paying my creditors because it seemed to good to be true and didn't want to get myself into anymore problems.

 

I was told by these that they do not want clients making payments for this on credit card as it is unethical.

Why is this thread not about the company taking the money instead of the firm in question ?

 

Do you think it is ethical to put the payment on a card and then have the debt wiped clean?

Edited by MARTIN3030
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