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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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Hello

 

I'm so happy I found this site. I've had a letter from these guys a few days ago demanding a debt they bought from an old bank, I have heard nothing from the bank for years. I'm not sure from how long ago it was but I think just under 5 years, so not quite statute barred. I've read all the info on this site about these guys (thanks!) and was wondering how should I proceed? Ignore it or go straight for the CCA?

 

I'm more worried about them phoning and speaking to family and neighbours than fighting them. Is it likelythey'll go down that path?

 

This site is incredible and I feel so much better for finding it. I will pass this place on to everyone I know.

 

Thanks

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Hi, Welcome to CAG.

 

When you say it is an old debt with a Bank,what sort of debt is it,overdraft,loan,credit card?

 

There are template letters to suit each but would need to know what type of debt it is so that you get the correct advice.

 

Link are a nasty bunch but you can stop them in their tracks if you stand up to them.;)

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Yes they will try contacting you on the phone. Don't ever speak to the cretins on the phone, they are rude, arrogant, spiteful cant put any other words about them on here.

When you let us all know what sort of debt it is we can sort you a letter out. Please remember not give any personal details as DCAs read these threads as well.

When you do send a letter make sure you include THAT YOU WILL NOT DEAL WITH THEM ANY OTHER WAY THAN IN WRITING. Also make sure you do not use your signature on any letters to them. You will then have a paper trail.

When the phone calls start make a note of the date and time as well.

I changed my number and went ex-directory but they still managed to get my number from abroad (nothing I can do about that).

DG

I have no legal training my knowledge comes from my personal life experiences

Please help keep the forum alive by making a donation

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thank you both for replying!

 

It's an old overdraft. if you could let me know what letter to send that would be fantastic.

 

So it's inevitable I've a fight on my hands then? I was really hoping I wouldnt get calls as I dont want my family to know/worry about it.

 

Thanks again though, feeling more positive already!

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Were there any bank charges included in the overdraft? If so you can challenge this by reclaiming those charges, therefore disputing the balance.

 

The CCA does not cover overdrafts I'm afraid.

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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Don't worry they are just trying to turn the thumb screws. I was very worried at first but everyone on the forum is great and you will get loads of help. They do have a habit of get dates and figures mixed up they will try anything to get you to pay so please never speak to them. They just make my blood boil now. I'll have my day in court (figure of speech) and I'll give them a damn good fight with help of everyone here.

Will have a look see what template I can find for you if nobody else get you one first.

Keep smiling

DG:)

I have no legal training my knowledge comes from my personal life experiences

Please help keep the forum alive by making a donation

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I'm not sure about the charges it was so long ago although the final balance probably did.

 

I'll wait to see what letter you guys advise me to send. I'm assuming ignoring it all won't work then?!

 

Thanks again to you all for the help!

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You need to do a SAR to see what charges are on the account. This needs to be sent to the bank holding the original account.

 

Link should never be spoken to on the phone. If they do phone tell them "only in writing" and put the phone down.

  • Haha 1

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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It depends- on the amount of charges to be reclaimed, what proportion of the overall debt. etc.

 

In the short term it may get rid of Link if the amount goes into dispute.

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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Although I'm obviously following EmmaF01's advice I'm now being advised by a no CAG source to ignore the letter, they are just fishing to see if i am actually at the address? Can this be the case? I'm assuming not but I would be interested if anyone could speculate as to how they got my add.

 

Do I have any other options available I can use whilst following EmmaF01's SAR advice

 

Thanks!

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If you are on the electoral roll they can check that they can also go on 192 people and put your name in they have various ways and means of finding people.

DG

I have no legal training my knowledge comes from my personal life experiences

Please help keep the forum alive by making a donation

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Ah I see.

 

I mentioned earlier I'm not totally sure the debt is valid, it MIGHT be statute barred, is it worth me firing that off to them? If it turns out not to be am I in more trouble than it's worth?

 

Thanks again for the reply

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Hi Henryhill,

You've done the right thing coming to CAG for help.

If link haven't phoned you yet hopefully they haven't yet found your number, but if they do..BT and Talk Talk, probably other phone companies too, do a "Choose to Refuse" service for around £3 a month..this enables you to block the last caller. It's a sanity and dignity saver!

As Emma says, the SAR goes to the original bank.

I'm still learning on here but I'd personally ignore Link for as long as possible.Don't acknowledge anything.

Once you have your SAR you'll be in a better position to deal with them, could be if it's almost Statute Barred you might be able to just keep one step ahead till it's unrecoverable, or challenge the charges if not.

There's such a great group of very knowledgeable people on here, they'll help you every step of the way.

All the best with it

Elsa x

PLEASE NOTE... I AM MOST SORRY BUT I HAVE VERY LIMITED AVAILABILITY AT THE MOMENT DUE TO EXTREME PRESSURE OF WORK - IF YOU REQUIRE URGENT HELP ON YOUR THREAD AND ARE GETTING NO RESPONSE PLEASE HIT THE TRIANGLE FOR SITE TEAM ASSISTANCE. ELSA XXX

 

Please check out my BLOG for the quick guide to debt threats - it has all the info & letter template links you need to get started on your journey of TAKING CONTROL. :roll:

 

All opinions are my own based on research. I am not legally qualified, if in doubt please consult a legal expert.

Hope this has helped or made you smile. Keep your chin up, you're among friends now! Elsa xxx

Please click the *star* of any CAG member who has helped you .

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thanks elsa, yeah I feel much better about the whole thing since finding the site. So I'm preparing the SAR what should I do if I hear back from Link in the meantime? Tell them I'm waiting for the SAR or just ignore them?

 

Thanks again to everyone for all the help!

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Hello again

 

So whilst worrying/skiving work I've been reading up on EVERYTHING this site has to offer! I was hoping someone could help me with another thought I had, whilst waiting for the SAR to go through, is there anything I can do to make Link actually prove the debt is mine?

 

Thanks again as always

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You could start at the very beginning and send them a 'Prove it' letter:

Dear

 

 

I Do Not Acknowledge Any Debt to Your Company

 

I am writing in reference to your letter dated xx/xx/xxxx

 

I would ask that no further contact be made concerning this matter unless you can provide evidence as to my liability for the alleged debt in question.

 

If you are unable to provide evidence as to my liability I await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions.

 

 

I look forward to your reply.

 

Yours Faithfully

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Thanks wendy i'll send that to Link for starters. regarding the SAR Emmaf01 advised me to request from the bank/overdraft, what do I do following that?

 

I have a feeling the debt MAY be statute barred I just can't put the dates together, will the SAR clear this up for me?

 

Thanks again for all the help

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One small point which might be worth including in your SAR letter would be to say exactly what the enclosed fee is for, and state that it is not intended as a payment towards the alleged debt. This would be in case at some later date they turn around and say you made a payment to the account and the clock has just started again for the alleged debt to become statute-barred. Remind them in the letter that you have sent it via Rec Del, that you have a copy, and that it will be produced in evidence if the neccessity arises.

 

Send the letter at least Recorded Delivery, and keep a copy of it with a copy of the PO scanned onto the same page as the letter.

 

Cheers

Rob

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Thanks Rob, I'll certainly do that. So just to clarify (I'm sorry to drag on I'm just terrified of putting my foot in it or proving something or other)

 

I need to send:

 

the 'prove it' letter to Link

 

then

 

The SAR (with Robs extra points) to the original Bank

 

Thanks again for all the help, please excuse my naiveity! (is that how you spell it?!)

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