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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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Hillesden Securities Ltd - On a phishing trip?


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Got this in my inbox this afternoon:

 

URGENT! Mr XXX Please call HSL on 0870 XXXXXX quoting reference number EXXXXXXXXXX

Be good to yourself, when nobody else will

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I would not call them. Do everything in writing. To be honest i would not even reply. Do keep the email though as evidence.

:cool::cool: Blondmusic :cool::cool:
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I knew it looked suspiscious before I even opened it. Got no idea what they're after, but they're not getting it :D

Be good to yourself, when nobody else will

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Sounds like they are on a fishing trip. Just leave them to it. If you get anymore emails then keep them in a special folder.

 

Just been looking at the Office of Fair Trading Debt Collection Guidance and found this.

It is unfair to communicate, in whatever form, with consumers in an unclear,

inaccurate or misleading manner.

 

Examples of unfair practices are as follows:

 

c. those contacting debtors not making clear who they are, who they work for, what their role is, what the purpose of the contact is.

Edited by Blondmusic
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:cool::cool: Blondmusic :cool::cool:
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send a postcard back saying to be paid by recipitant (sp?)

 

URGENT! HSL you are numpties!

 

 

ida x

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just email em back - Urgent please ring (find sunday sport add a phone number from the back of the paper you know the sort) qouting ref no. XXXX

 

:D

 

 

what a cheek asking you to spend money phoning them lol and don't even say why hahahaha

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They are desperate - Mr Faccenda is losing money. Send a copy to the OFT "Thought you would like to see this from Hillesden - a total breach of OFT Guidance" - this is their email address for complaints enquiries@oft.gov.uk

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not bad 2 days! lol.

 

 

cca request time I presume

 

Ida x

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  • 5 weeks later...

Just to update on this one, recieved a "solicitors" letter regarding the debt, so fired off a 'prove it' letter to DLC. This is their response:

 

DLC.jpg

 

To me it sounds like they're saying "We're authorised to collect the debt on behalf of MEM, but if you want the paperwork, ask them." Now surely if they're the "authorised" collectors, then they should have all the relevant documents?

Be good to yourself, when nobody else will

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Doesn't this breach OFT guidlines by looking like a County Court Document, they have changed the colour to a purple rather than blue but basically it stinks... I'd report it asap as a major breach.

 

 

Found out the culprit, and the winner is:

 

DLC001.jpg

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It is true about Faccenda loosing money, you see now everyone is buying free range chicken, the battery hen side of his business is loosing money, leaving Hillesden and DLC as the only part of his (rather small) empire which is actually making any money.

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I love the way all these plonkers say YOU MUST do x,y,z.

 

Just who TF do they think they are. They have NO POWERS to make you do anything.

 

Oh dearie me they havent even properly assigned this so called debt. As Mr Feckender is involved they are obviously running around like headless chickens.

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mem consumer finance

 

is that not payday uk or the like

 

they are based in bicester, oxfordshire

 

first time i have noticed them flog an account to a dca

 

times must be hard

 

prob the apr putting people off

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Subscribing...

"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

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I've already contacted the OFT and ICO about their unsolicited e-mails, how would I go about complaining about the letters they've sent, especially the one that looks like a court document?

Be good to yourself, when nobody else will

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Our citibank account was passed to hillesden and we received a letter from them saying they had checked with land registry that we were the owners of our property and would be seeking a charging order. We then cca them and received a letter every month for about a year advising us that they would be sending the info shortly. After a year they sent us a letter saying they didn't have the cca and returned our postal order but stated although the agreement was not enforcable it would not be written off. Hope this helps.

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After a year they sent us a letter saying they didn't have the cca and returned our postal order but stated although the agreement was not enforcable it would not be written off. Hope this helps.

 

I can see you quaking in your boots:-) It still disappears from your credit file after six years whether you pay it off or not.

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I can see you quaking in your boots:-) It still disappears from your credit file after six years whether you pay it off or not.

 

 

To hell with 6 years!

 

They have done the 10 letters of "dont have the CCA, will contact again in 21 days" then the "unenforcceable, but we will continue to writeb to your credit file until you pay" to my wife

 

So court action is coming their way

omnia praesumuntur legitime facta donec probetur in contrarium

 

 

Please note: I am not a member of the legal profession, all advice given is purely my opinion, if in doubt consult a professional

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Those letters that look like court documents used to be sent out by Wescot. I have had some so i know. You would get a Blue one asking for payment then a red one which looked very threatening. Since then Wescot have obviously had a slap and they just write to you with a proper letter.

 

Those documents do look very threatening though and i think most people would just pay up.

:cool::cool: Blondmusic :cool::cool:
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I've already contacted the OFT and ICO about their unsolicited e-mails, how would I go about complaining about the letters they've sent, especially the one that looks like a court document?

 

Contact the MOJ :D

"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

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