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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • 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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House Buying Nightmare

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We are going through the process of trying to buy a house on the Catalyst scheme. On the 15 April 2009 we paid £500 to a builder as a reservation on a house and filled in a reservation form in which they specified an unconditional contract exchange was to happen in May (the end of May gave us seven weeks) now they knew at the time that there was a delay with Catalyst of at least five weeks. Out of ignorance we thought this was okay as we believed that after this 5 weeks we could sign the contracts. Apparently this is not the case and there is a further step with Catalyst which the builders new about at the time but never informed us of. This would make it impossible for us to exchange contracts in May.


Now they are saying that they are putting the house back on hte market and that we could loose both the house and the money we have spent so far if another buyer is found (they have also taken an additional £400 for options).


Tempting though it is to pull out, we can't because we would loose the funding from Catalyst, though if they pull out we don't. If they do pull out are there any grounds for getting our money back as the original terms were unfair?

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They may be unfair (ie to your detriment) but not in themselves illegal. Are you saying that the action taken by the developers placed your agreement in breach and this condition did NOT appear in your copy of the agreement? Or that you were unaware of the impact on your investmenr despite being made aware (and having a copy of the T&C) they've used to disenfranchise you?

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You couldn't use that as an argument.... what they 'knew' would be immaterial - they would need to call for the funds and then proceed based on the fact you hadn't paid.

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Done a bit of research on this and your soloicitor is the key to this as they would or should have advised you at all stages of the scheme as to when you pay the deposit and stages through the process, mortgage/funds etc. etc.

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I have recently bought a house through this scheme and once you pay your "reservation fee" they take the house/flat off the market, that is what you are paying the fee for.


I believe that you then have 10 weeks to prove that you can provide the funds for the remainder of the purchase, Clearlt in your case this cannot be done as the property isn't complete yet, i would suggest you talk to your solicitor and your mortgage provider and get a agreement in principle from them, This would prove that you have access to the funds and once the builders/developers have completed the build you can have is surveyed and the mortgage approved.


I am not aware the Catalyst/Homebuy actually provide any funding, i am under the immpression that it is a government scheme and once you have been accepted you can apply for any of the 4/5 different schemes that they offer (Part buy part rent/cheap rent for key workers etc)


Hope this helps and really the solicitors would be the best people to explain it better, we had our mortgage from Halifax and the mortgage advisor had never dealt with this scheme so we had to advise him of how to do it and what he needed etc.





If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal Experiences/Mistakes lol...

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Also consider that they are probably bluffing. Developers are selling very little at the moment and they have a guaranteed sale from you. They are not going to sell your house to someone else because they can sell a similar house to them and get two sales. the pressure will have been for a completion date to tie in with the end of a financial year or something. It is just typical developer posturing in a cataclysmically bad market for them.


Even if they did withdraw, which I doubt, I think that you would get the option fee back to you and I reckon you could get the reservation fee back with a bit of creative letter writing.


get your solicitor to write laying down the law and giving clear express dates when stuff will happen. I wouldn't entirely discount what they knew about the process, I think this is relevant and helps you a bit providing you can show that they did know.

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