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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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Mackenzie Hall Offering Payment Plan -any Adice? :)


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Hi again guys

 

Got a letter today from Mackezie hall regarding a £76.82 bill their "client" Lowell has asked them to recover.

 

They have apprently written to me on "numerous" occasions and to avoid further action I must send back £10.00 and a standing order mandate to pay £10 a month.

 

This is a really old debt but I cant remeber f I have spoken to someone about in the last six years.

 

Do you think I should send a request for ruther deatails etc?

 

Thanks in advance ;)

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Whatever you do do not acknowledge the debt.... check to see when this debt was accrued, if over 6 years they cannot pursue it anyway, if less than 6 and you acknowledge it then they can.

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send them this

 

Dear Sir/Madam

 

Account no:

 

You have contacted me/us regarding the account with the above reference number, which you claim is owed by myself/ourselves.

 

I/we would point out that I/we have no knowledge of any such debt being owed to (insert company name).

 

I am/we are familiar with the Office of Fair Trading Debt Collection Guidance which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.

 

I/we would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

 

Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

 

I/we would ask that no further contact be made concerning the above account unless you can provide evidence as to my/our liability for the debt in question.

 

I/we await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions.

 

I/we look forward to your reply.

 

**Edit to suit**

PGH7447

 

 

Getting There Slowly

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Advice is given freely but is in no way meant to be taken as Gospel:-)

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what is the alledge debt in referenc to? a CCA may not be any use, you may need to send a sar.

 

The reason I said send the one above is that you stated you could not remember when you last had any activity on it, in my eyes that is reason enough

PGH7447

 

 

Getting There Slowly

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Advice is given freely but is in no way meant to be taken as Gospel:-)

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Loan, overdraft, credit card?

 

if credit card then cca

if loan then cca

if overdraft then sar

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PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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If the debt is over 6 years old and you have not made a payment towards it or acknowledged it then if it was me i'd send this letter here (NOTE Scotland is 5 years for statute barring and requires a different letter) - http://www.consumerforums.com/resources/templates-library/86-debt-collectors/599-letter-sent-when-debt-is-statute-barred (send this recorded delivery)

Once you state that you have no intention of paying towards a debt that is barred by statute, they CANNOT continue to harrass you, if they do please let us know.....once you send the letter above, you shouldn't hear again !! - have a read of this - The Office of Fair Trading: OFT imposes requirements on Mackenzie Hall to improve handling of disputed debts - in the meantime I will move this thread to the debt collection forum...

  • Haha 1

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thank you :) to be honest Iam not even sure what it is for ? I dont recall having an overdraft on it but think it might of been charges after I had emptied the account! Have send a CCA then at least they cant say Im ignoring them- then am i right in thinking I wait for a respnse from them *Thanks guys*

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a cca is no use if it is a cuurent account

PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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send the letter in post 4 make them prove a debt exists

PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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Mhall rarely have any documents let alone an enforcebale credit agreement. That won't stop them chasing though. Once they are in default of your CCa you can safely ignore them although that's the time to make a complaint to the OFT about their behaviour.

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No you will not get in trouble for 'lying' as if you genuinly think that the debt might be statute barred, you have to dispute any 'knowledge' of the debt. So, basically, by sending the letter in post 4 (and please do send this as it will probably scare them off) you are merely asking them to prove the debt is enforceable.

If I have been helpful in any way, please tip my scales :lol:

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Did you send your letter by recorded delivery? MacHall have a habit of "not receiving" ordinary letters

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yes :) I have had that experience with westcott to who me it hadnt been receieved then i said oh well the recorded delivery number id is ***** and suddenly they found it ! Thank you x

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