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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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  • 1 year later...

Could a bank set off funds from a joint account against a debt or account for which only one of the joint account holders is liable? Does this happen? If so, does it not make someone who has no liability liable for a debt?

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Here's a tricky question then.

If an account has been declared in default and an overdraft is being paid back and the bank then takes a payment out without telling the account holder for a different debt thereby increasing the amount of overdraft again....where would you stand with the statute barred rule if the last voluntary payment was after 6 years but the bank's offset was within the 6 year period.

Of course I will pay you everything you say I owe with no proof.

Oooh Look....Flying Pigs

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Here's a tricky question then.

If an account has been declared in default and an overdraft is being paid back and the bank then takes a payment out without telling the account holder for a different debt thereby increasing the amount of overdraft again....where would you stand with the statute barred rule if the last voluntary payment was after 6 years but the bank's offset was within the 6 year period.

 

Well, to be sure challenge it! and complain to anyone and everyone including requesting the banks' official complaints dept. and online here for OFT and TS http://www.consumerdirect.gov.uk/contact

 

Also, once you have been through the banks' complaints' dept and they have changed nothing, report this to the FOS:

Every journey begins with a single step :):)

 

Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

 

If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You

 

The only person entitled to your Personal Finance details is a Judge not a DCA

 

Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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Problem is they set-off first and worry about questions/answers later, if at all, by that time the victim would have been suffering for months!!

Please note i have no legal training any advice i give comes from my own experience and from what i have learned on this site

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Sutherland,

 

"Could a bank set off funds from a joint account against a debt or account for which only one of the joint account holders is liable? Does this happen?"

 

Yes they could and they do - LTSB in particular. Mrs H and myself have individual credit cards in arrears that LTSB have dipped into our joint account, not once but twice last week and have then individually written to both of us to say if they are challenged by either one of us as to why this money has been debited, they will have no option but to tell the other party - rather flies in the face of the DPA!

 

But then again LTSB like to make their rules up as they go along!

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Sutherland,

 

"Could a bank set off funds from a joint account against a debt or account for which only one of the joint account holders is liable? Does this happen?"

 

Yes they could and they do - LTSB in particular. Mrs H and myself have individual credit cards in arrears that LTSB have dipped into our joint account, not once but twice last week and have then individually written to both of us to say if they are challenged by either one of us as to why this money has been debited, they will have no option but to tell the other party - rather flies in the face of the DPA!

 

But then again LTSB like to make their rules up as they go along!

 

Surely that is Blackmail, glad you have that in writing, and move your money/accounts asap.

 

I would be complaining to everyone, especially ICO - Complaints - Privacy & electronic communication - ICO

 

Trading standards and OFT: http://www.consumerdirect.gov.uk/contact

 

Your MP and The Police!

Every journey begins with a single step :):)

 

Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

 

If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You

 

The only person entitled to your Personal Finance details is a Judge not a DCA

 

Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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