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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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Doorstep Collector-really angry!!!!


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I have been paying off a small debt through a collector for Robinson Way for 6-7 months now without any problems. However last week (well it was 2 weeks ago now), I missed him as I had to pick the kids up from school (he normally calls around 3pm just before I have to leave) usually when this happens he calls back later on the same day, that's fine. But he didn't come back that day, so I assumed I would see him again when he was next due.He actually turned up 3 days later at 7.30pm, and I had nipped to the shops at the time. My 13 year old son was home and answered the door and explained I wasn't home. However the collector could obviously see my collection card and money on the shelf and asked my son to give it to him!!! Bearing in mind my son has never laid eyes on the chap before as he is nearly always at school when he calls. And now I have a son at an impressionable age who has been made aware that his parents have financial problems which is the last thing I wanted. I wrote a letter to RW and the original company complaining about this behaviour and saying I won't deal with him anymore. Do you think I have over-reacted? I was so angry that this 'strange' man had 'co-erced' my son into handing money over at the door rather than calling back another time when I was at home, which i would have thought was the sensible thing to do!!!!!!

Any thoughts??

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A complaint to the OFT and i'd also make your local MP aware too, and the police....what is the debt for ? any excessive penalty charges you could reclaim ?

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

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I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

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Thanks for the replies!!

The small debt was in fact 2 small debts, 1 of about £50 from NPower at an old address and 1 for about £100 ish to Studio Cards. I have written complaints to both NPower and Studio and also to Robinson Way who the agent was collecting for. So far have not received a response from any of them so am not sure what to do now?!

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Send them this in regards to your store card..... Edit to suit

 

The Loan Company

Company House,

Church Street,

Newtown,

Kent,

R1 7HG

 

Date

 

Dear Sir/Madam

 

Re:− Account/Reference Number

 

With reference to the above agreement, we would be grateful if you would send us a copy of this credit agreement.

 

We understand that under the Consumer Credit Act 1974 (Sections 77−79), we are entitled to receive a copy of our credit agreement on request. We enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act.

 

We understand a copy of our credit agreement should be supplied within 12 working days.

 

We understand that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act.

 

We look forward to hearing from you.

 

Yours faithfully

 

Mr A N Other

 

print name. Do not sign - Send with £1 POSTAL ORDER not cheque

 

This letter will force robbers way to provide you with proof they can demand money. If they cannot prove you dont have to pay although you can continue to pay if you wish and robbers way will know your not to be messed with. Also if they cannot prove then you can ask for a great discount to settle if thats your thing... personally id tell them to go jump for the money.

 

As for the utilites company... i dont know much about this but I would speak to robbers way (like you already have) and tell them your not dealing with the collector and to sort out another way.

If the caller calls tell them your no longer dealing with them. ITS YOUR RIGHT to do this. No-onbe can force you to pay money at your door. Dont listen to his tripe threats just close the door. They have no legal powers whatsoever.

Ash.

 

If you think I have helped you, please add to my reputation by clicking the star button to the left.

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In the absence of a response and an apology from Robinson Way, you shouldn't pay anything further and certainly not to a doorstep collector.

 

You can complain away til the cows come home to RW but you won' receive a response until you hurt them in the wallet.

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Thanks everybody- due to lack of responses from the companies in question i was beginning to wonder if maybe I had over-reacted as I flew completely off the handle! My hubby said my letter was very acidic!! In actual fact I have had an email from RW this afternoon, very apologetic, investigating the matter, suspended all collection visits, will inform me of the results etc etc and oh, how would I like to continue paying in the meantime?!!!!!!!! The cheek of it!!!!

I have had a quick look at the OFT website about making a complaint but it says it doesn't deal with individuals? Not sure where I should be looking? :confused:

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Don't worry about the 'organisation' bit....please use that complaints form....

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

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Demand a full refund for all the monies youve paid them as well.

It was obtained off you without county court approval 1st.

Take advice off all the mentioned organistations as well as the police/a solicitor & the county courts yourself about getting your money back.

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