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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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A third party has claimed that my wife was involved in a car accident. My wife is unaware of any accident. We received a notice of intended prosecution from the police, to which we replied saying we are unaware of any accident. The police said there is an independant witness, and subsequently said they intend to take no action in the matter.

 

I now have a telephone message from the third party saying she has estimates to repair her car and wants to talk before reporting to insurers.

 

There is no new damage to our car as far as i am aware, so any damage to her car must be small. I have an excess of a couple of hundred pounds - so my thinking is that if the alleged damage estimate is smaller than my excess, I could pay without admitting fault to end the matter. But I am reluctant to do it as my wife is unaware of any accident - but there is a witness which might make the insurer reluctant to defend.

 

Any thoughts? Thanks.

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I would get more details before admitting or paying anything. Have they informed their insurers, not to claim but info.When and where was the alleged incident, circumstances etc. thsi may jog the memory or you could prove you were somewhere else.

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It sounds like a try on. She is anyway contractually obliged to infornm her insurer whether she is claiming from them or not. Tell her to take it to her insurer and you inform yours - but make it clear that you are unaware of any collision, there is no damage whatsoever to your vehicle and you are not claiming.

 

If the Police believed that there was prima facie evidence of an accident, they would have pursued your wife for leaving the scene and failing to report.

 

She states that she has a witness, but you have no knowledge of this witrness and just how independent he/she really is.

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I would request the circumstances of the incident including date, time etc.

 

They must be alledging that your wife drove away from the scene.

 

Could be a case of mistaken identity. Ask them what colour your car is with make, model etc. Where did the accident happen? Was it near to where you live? Could easily have taken down the registration wrong as well.

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Thanks for the replies. The police were involved at the outset - it seems a witness reported it to the police. In the police's letter they set out the date/time - and my wife would have been there then as she was picking up our daughter from school. But my wife is unaware of any accident - its curious.

 

Thankfully the police have decided to take no further action in regard to any of the alleged offences (leaving the scene/failing to report/careless driving) - even though the police say there was a witness and even though the complainant says her car was damaged. It cannot be much damage as there is no damage on our car - if indeed the 2 cars touched.

 

But the fact there is an independant witness makes me think that my insurer might not defend 100% and i end up paying the excess. If my excess is larger than the repair cost then it is more economical for me to settle it without admitting fault.

 

I do not know if she has told her insurance company - but the fact she is trying to contact me to do a deal suggests she has not.

 

If both sides do a deal, is there any need to tell your own insurers of things like this even though you are not making a claim and the matter is settled privately?

 

I might do the following:

 

1. tell my insurers of the matter for inforamtion purposes but make no claim

 

2. write to her for details of the witnesses and what they think they saw, copies of photos of the alleged damage and repair estimates - all without prejudice to liability. I want to do this becuase if we are talking about a scratch which costs £100 to fix then i dont want the hassle of dealing with insurers etc

 

thanks

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It sounds like a try on. She is anyway contractually obliged to infornm her insurer whether she is claiming from them or not. Tell her to take it to her insurer and you inform yours - but make it clear that you are unaware of any collision, there is no damage whatsoever to your vehicle and you are not claiming.

 

If the Police believed that there was prima facie evidence of an accident, they would have pursued your wife for leaving the scene and failing to report.

 

She states that she has a witness, but you have no knowledge of this witrness and just how independent he/she really is.

 

 

PatDavies - you might recall I posted on the parking/offences forum about the s112/s172 issue - the police sent s112 RTRA notices giving 7 days to reply when they should have sent s172 RTA notices giving 28 days to reply. My concern here is that the police might have decided not to proceed becuase of this procedural difficuly they have, rather than because they think the evidence is insufficient. that said, my wife is unaware of any accident.

 

thanks

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