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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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Good Evening everyone..

 

I apologise in advance as im sure there will be numerous threads regarding this company, but everyones cicrumstances are different..

 

i will try to keep this brief and as much help as possible would be greatly appreciated.

 

I had a credit card with Monument about 5 years ago.. The debt was passed to Cabot financial and now on to Ruthbridge.. Had all the threatening calls and letter from them saying i need to pay with in 18 days in full or else..

 

I wrote to them advising i could not pay them in full and would be able to pay a monthly amount. I enclosed a montly income and expenditure.. Later that week i received a call from Jason at Ruthbridge saying they dont accept DD or standing orders and i had 2 choice.. Either pay in full in 18 days or make myself bankrupt..

 

Obviously i am worried about this but i didnt let him know this.. i do want to pay this debt off but cant afford the full amount.. please can anyone help.. thanks

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If you have asked for a copy of your Credit Agreement and it's enforceable and there are no charges to reclaim, I would just persist with paying them what you can afford.

 

A judge would not order you to pay any more than this.

 

Also, the rubbish about making you bankrupt is just that, rubbish.

 

If you can record your calls, please call Jason back and talk to him about how he's going to make you bankrupt and post it on here for further advice.

The REAL Axis of evil: Banks, Credit Card Companies & Credit Reference Agencies.

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If you have asked for a copy of your Credit Agreement and it's enforceable and there are no charges to reclaim, I would just persist with paying them what you can afford.

 

A judge would not order you to pay any more than this.

 

Also, the rubbish about making you bankrupt is just that, rubbish.

 

If you can record your calls, please call Jason back and talk to him about how he's going to make you bankrupt and post it on here for further advice.

 

 

Aggree a judge will only order you to pay what you can afford and provided you keep to the payments there is fu*k all a dca can do ie they can not send round bailiffs or take your wages or any thing else they normaly threaten you with.

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thanks.. that was another thing i needed to ask.. they say the amount is 1397, but i wrote to Monument (which is owned by Barclay Card) and they said they refunded me almost £500 in charges and interest.. But in telling Jason this he didnt want to listen and said i had to pay the full amount..

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Aggree with above do not call them if they call you refuse to answer the security questions and simply say everthing in wrighting and put the phone down if they persist in calling you there is a template letter you can send them. remember when they are bulling and treatening you on the phone it is harder to think strait but with a letter you can read it at you your own pace and come back to it after you have had a think and got some advice

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Jason is just a brainless threat monkey who doesnt give a stuff about your circumstances & just wants payment there and then.

They are legally not entitled to a penny off you, only a county court is.

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Thanks everyone for the advice i really appreciate it.. i am going to write them a letter this evening again showing income and expenditure and again offer them a monthly payment.. ( do you think i should include the 1st months payment in a cheque)

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have you requested a copy of your credit agreement?

 

if not send the letter at no 1 in my sig, include a £1 po and send recorded. do not sign it just print your name send along with this:

 

Re: Harassment by telephone

 

ACCOUNT NUMBER: XXXXXXX

Dear Sirs

I am writing in relation to the quantity and frequency of telephone calls that I have received from your company, which I deem to be personally harassing.

I have verbally requested that these stop, but I am still receiving calls. (Delete if necessary)

I now require all further correspondence from your company to be made in writing only.

I am of the view that your continued harassment of me by telephone puts you in breach of Section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1997.

If you continue to harass me by telephone, you will also be in breach of the Communications Act (2003) s.127 and I will report you to, FOS, OFCOM, Trading Standards and The Office of Fair Trading, meaning that you will be liable to a substantial fine.

Be advised that any further telephone calls from your company will be recorded.

 

Yours faithfully,

 

[NAME HERE]

 

 

send these to rughbridge,

 

ida x

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Do NOT send these muppets your income/expenditure. They have no right to it.

 

The only letter you should be sending is the one Ida posted above and this one linked here

 

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/581-cca-request-letter

 

Send a £1 postal order with it and print (do not sign) the letter.

 

Jogs

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i am going to write them a letter this evening again showing income and expenditure and again offer them a monthly payment.. ( do you think i should include the 1st months payment in a cheque)

 

Do not do this.

They have no power to money or i & e details off you.

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I have sent off my CCA and will keep you informed.. 2 questions though..

 

1) What should happen if i get a response letter saying they dont have the original agreement.

 

2) What do i do if they send me the original agreeemnt

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I have sent off my CCA and will keep you informed.. 2 questions though..

 

1) What should happen if i get a response letter saying they dont have the original agreement.

 

2) What do i do if they send me the original agreeemnt

 

 

1) you can send an account in dispute letter and can within your rights to withold payment

 

2) post it up here for folk to have alook at and if enforcable you can make an arrangement to pay that suits you

 

ida x

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Have just checked on Royalmail website and my CCA letter was deliver this morning and guess what... Mr Jason aka Dickhead has been trying to call me frantically..lol

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did you include the telephone harrassment letter?

 

ida x

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In the end I had to change my phone number to stop the calls. Or you could invest in a Truecall device. But they never stop phoning, whatever you write - why would they when they ignore every other regulation and piece of guidance?

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Good Evening everyone..

 

I apologise in advance as im sure there will be numerous threads regarding this company, but everyones cicrumstances are different..

 

i will try to keep this brief and as much help as possible would be greatly appreciated.

 

I had a credit card with Monument about 5 years ago.. The debt was passed to Cabot financial and now on to Ruthbridge.. Had all the threatening calls and letter from them saying i need to pay with in 18 days in full or else..

 

I wrote to them advising i could not pay them in full and would be able to pay a monthly amount. I enclosed a montly income and expenditure.. Later that week i received a call from Jason at Ruthbridge saying they dont accept DD or standing orders and i had 2 choice.. Either pay in full in 18 days or make myself bankrupt..

 

Obviously i am worried about this but i didnt let him know this.. i do want to pay this debt off but cant afford the full amount.. please can anyone help.. thanks

erm......they dont accept dd or standing orders? yes they do because ive had a standing order with them myself! bunch of bloody liars!!! gud luck

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LOL.. well he kinda dropped himslef in to it about the standing order.. the first time i phoned he said they didnt do standing orders or D/D then a week later I phoned and he said i needed to have a LLoyds bank account to do D/D which i know was bull****..

 

There whole company is a Joke.. I have sent them a CCA letter a week ago and have yet not heard anything back from them.. i cant wait for there response..

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its been 11 days now since my CCA letter was delivered to ruthbridge and i have still had no reply.. What do I do next, do I assume they cant get a copy of my original aggrement, (if so what does this mean for me) or do i assume they might be taking it to the courts, (again what would that mean for me) appreciate the help

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I no I'm just new here but I do no these ruthbridge monkeys.

 

If Cabot have passed it over to them for collection, you no there is nothing to worry about. The agreement will be all fairy stories.

 

In fact I have a feeling that Cabot hand these over to them and tell them to keep the lot if they can squeeze the last drops out. Why woul'nt they do it themselves if there was even the slightest chance of being able to collect in house?

 

Tell them to go play with themselves, or you'll be happy to see them in court. You no it makes sense.

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