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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.
       
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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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We own the Data!!! Time for Class action


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Thanks for clarifying! But do you think that is is FAIR that an 80 year old man who probably behaved honestly and responsibly (I am making an assumption) throughout his life has to go through this sort of embarrassment...Simply because he does not fit the box. This is only acceptable in a totalitarian system. Where I come from (France) if they had such a system heads would start rolling...again....

My Granny is 86 and and she never borrowed anything in her life and has a substantial savings, all she had to do to get her contract is to show them a copy of her passport, a cancelled cheque and proof of address.Had she had a default the cancelled cheque would have been rejected and she would have been advised to contact the Banque De France.

 

No it's not fair, but that's based on the company's criteria for credit, nothing to do with the CRAs.

 

I'm not defending the system as is, but it's got to be appreciated that they need something to monitor peoples credit management. I don't think it matters whether it's private or publicly owned, however, I think it should be one organisation and not the three we currently have now.

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Unfortunately credit is cheaper these days than paying upfront!!!You will agree that a mobile phone on contract is a lot cheaper than a prepaid where the comm price is through the roof, same for utilities.So not getting credit turns out to be more expensive than living on credit and that is where the blatant unfairness lies.

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if they had no credit record i think id be suspicious ( they could be immigrants and could disssapear without trace after i lent them the money) and would probably do the same.

 

I think that's quite a political view of the world..

So not to be "suspect" people ought to have a credit record, whether they have any use of it or not, and be born and bread in the UK???Additionally there is a GAIN section in the credit file ( gone away record means you've vanished).So if you were a fraudster migrant you could care less what they've put in you're credit file because you would borrow the money at 45 % APR and disappear. The fact that it is private makes a big difference when it comes to the neutrality of the CRA. It also entices CRA to manage more data than they can. Thus it creates a massive mess (how many John Everybody have had their lives messed up by inaccurate data???) takes years to sort out and no one is responsible in the end because John Everybody does not have the means or time or both to fight the Big Boys. In addition the CRAs do not have any evidence of how much people earn it's all based on what you first declared, but we all know that people change jobs, get promoted, get demoted or lose their job, adverse data is not verified either.For it to be efficient it would require a neutral financial tribunal which records Defaulters after substantial attempts have been made to recover the money and no arrangement whatsoever could be reached.Credit should be obtained on hard evidence only or with a guarantor. IE you can apply online and get a principle decision but the deal only goes through once the supporting documents (payslips proof of address and identity) have been submitted.

Edited by crew74
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