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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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I reckon it's Orange!

 

 

Now how would you guess that?:madgrin: Grinding my teeth down at the thought of them, growling and would you believe it up high in the sky, just had the first clap of thunder in a while:-o Is that a clap in agreement gent up high or saying wow destress woman:madgrin:

 

10/10 for knowing your nursery rhyme by the way:) :)

 

Rains on the way !!!!!!

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I reckon it's Orange!

 

How did you work that out, I read it 'unlimited', well ok maybe 750 times but would never have guessed. :)

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Its to hot to sleep.

I Wish you everything you wish yourself.

 

NatWest Claimed £1,639. Accepted £1,344.

Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.

Barclays 1 Claimed £1,260. Won by default. Paid in full

Barclays 2 Claimed £2,378. Won by default. Paid in full

Birmingham Midshires. Claimed £2,122. Accepted £2,075.

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Trying to get car insurance for my 18 year old son - car worth £1000, insurance quotes from £5,500 - £9,000k - not all 18yr olds are boy racers! at Christmas the same quote was £1000 but OH wanted to wait to get him a car!!!!!!!!!!!!!!!!!!!!!!!!!!!!! We could actually buy a brand new Vauxhall Corsa 1.4 lxi - the insurance amount is given back as a cash back, monthly finance £275 for 60 months - the cheapest option but then in a years time - the insurance is still going to be thousands, if you sell the car like the adviser said and re purchase and get the insurance cash back again - how much depreciation will there be!!!!!!!!!!!!!!!!

Halifax Card (OH) -2.9% reinstated - Sucess!

Santander/House of Fraser (1) PPI Refund plus 8% plus LOC

Santander/House of Fraser (2) PPI Refunded plus 8% plus LOC

Penalty Charge Notice - Representation accepted and PN cancelled - £120

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LB, this was on the national news a while back.

 

A TEENAGER who was quoted almost £18,000 to insure his P-reg VW Polo is now using a tractor to get around.

The Bolton News yesterday revealed how Chris Berry, aged 18, was stunned to hear how insurance for the one litre car would cost him £17,800 for a year.

 

“Not many people can say they drive a Fordson Major!

“It’s a hell of a lot cheaper than a car—other than the insurance only being £57 a year, you never have to have an MOT, and when it’s 25 years old it’s tax exempt.

“And it can go 40mph — on a good day.”

Quinn Direct, an insurance company specialising in young motorists, has carried out research which shows the average cost of getting on the road for a first time driver is £8,260.

Keep up the fight against Bank Charges.

 

 

Got Debt problems?

Don't panic, put the kettle on and read this

 

:-) Everything I write comes from my heart and head! The large filling cabinet that is my knowledge of life, however warped that may be!! :-)

 

<<< Please tickle my star!! if I have managed to help you or just made you chuckle!

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SAMSUNG made me lose it today!!!!!!

I've got a samsung 40" lcd series 6 0ut of warraty etc,had it since july 2008 got it from comet.xmas just gone it started popping & cracking emailed/contacted comet etc went for the 'SALES OF GOODS ACT' route and got put on to samsung to get the capactors replaced for free due to manufacturing issue's.ICTV repair engineer came to my house & replaced the capactors,while the tv was in bit's it was found that the main top metal support bracket inside the tv which my wall mount bracket bolts to was found to have corrosion in the middle where a black felt type pad is mounted for tv back panel,ICTV said that best for me to chase up samsung about it,I made a fue phone calls to different samsung repair agents and spoke to one engineer who said that he had come across this same problem & that it was down to tv's been stored after production in SLOVAKIA back in may 2008 been stored in a slightly damp conditions,I've chased up samsung about this with no luck!!!!!.

Month ago my tv started playing up again contacted samsung by email as I can't be doing with speaking to sumone in another country,they put me on to ICTV again they collected my tv this time took it without the box which I was not happy about as it was all packed ready for collection,two weeks later I hear from ICTV saying my tv is fixed & that they could not find the fault I reported & all they found was a noisey fan of which I allready knew about,they replaced the fan without my consent said that bill would be £150+ sumthink or cheaper if I collected the tv from them,I went off the head big time,sent samsung email,got reply to call samsung to which I spoke to sumone this morning,they said that no they would not help it's out of warranty & they would not do nothing about the rusted bracket inside the tv,,,,,,,,,,well I spoke my mind to the bloke on the phone and gave it to him large,hope they recorded it!.

Well i'm at a total loss now as I'm unable to work at the moment due to ill health/medical negligence otherwise I would just foot the bill & ebay the tv.

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I was awoken at 5.30 this morning by my beautiful german shepherd having a seizure,this one of the worst he's had so far,as he came out i went to wipe his mouth (excess saliva) and he bit me,my left hand is now rendered useless.

 

What a start to the week........and yes i did swear,i have to have it stiched up.:sad:

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He's back to normal now thank goodness,it's awful to witness.

Thanks for the hug,i just got back from A&E,i have to go to a london hospital today to see a plastic surgeon the tendons in my fingers are torn.

 

There's an upside i'm getting severly pampered as i'm all bandaged up and they put a sling on,so i'm taking advantage of the rest:lol:

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Finding out I might not have a job after next Friday.

 

My boss and his boss are doing what they can to make sure it doesn't happen, but ^%&*£$... sure took the flavour out of the rest of the day :|

My advice is given based on personal experience and any useful information I've picked up over the years. Always seek professional advice if there's any doubt.

 

<Please feel free to click on the star if you think I've been helpful

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Finding out I might not have a job after next Friday.

 

My boss and his boss are doing what they can to make sure it doesn't happen, but ^%&*£$... sure took the flavour out of the rest of the day :|

 

I imagine the next few days are going to be stressful for you.......lets hope that come friday it's good news for you,fingers crossed.

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i have had an internet stalker for about a year now, i know who she is , and when ever i post on the internet there she is answering my posts under different names shes a very sad woman with nothing in her life, sits at her comp every night gets drunk then starts her abuse she was also on here and still is!!!! under a different name but i know who she is, i ignore her sad really she has no life but i have and enjoy my life, stalkers have no life but their internet ignore and block them every way you can ny,

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It's amazing how brave some people are behind their computer screens. Many of them seem to just like a reaction and get quite upset if you ignore them. :wink:

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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i agree Caro, the police told us if you ignore them change your phone numbers block them anyway you can this annoys them because then they have no way of getting to you, my one contunually trys to make friends with me on facebook hahah do they think we are soft in the head, shut them out, block them, ignore them, it works,:smile:

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