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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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New N244 Claim possible supporting letter from creditor in the wrong


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Have had a CCj on my file for a while which i pay towards but have recently found out that if i did not receieve the docs initially then i could have grounds to have it set aside. This is the case.

 

I have been in touch with the person who i owe the debt to and advised them that if it was set aside then i would pay the amount in the 30 days so that the ccj is removed. They seemed quite interested and went away saying we'll see if we can sort something out rather than having to go to court. Also advised them that the court said if they provide a letter admitting to their error then it could be done as a 'paper work exercise' therefore only charge me £40 instead of £75, no one would have to attend court, just an easier was of executing the whole thing.

 

Called them today and they said if i pay the amount owing in my next months direct debit they will remove court costs of £190 and just charge what remaining £390 approx then the would send me the letter i need (and only then in no uncertain terms!). This would culminate in a satisfied CCJ as far as i'mconcerned and that's not what i want. I explained this also.

 

How can i make them understand that the result at the end will be the same regadless of whether they write me a letter (no hassle route they will not have to attend court etc) or don't write me the letter and i have to file the n244 and we all have to go to court (hassle extra money etc)

 

End result judgement set aside and i pay the money in 30 days have ccj removed (fingers crossed!!)

 

Missal

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As I understand it you are hoping to get the CCJ set aside on the basis that you didn't receive the papers but you have been making payments against the judgement for some time. I think you may struggle to get a judge to agree to this.

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Is it worth a try do you think, i've had conflicting advice tbh.

 

both from forums and courts, I would be saying that i was not offered the opportunity to pay in thirty days and have removed.

 

Thanks

 

Missal

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Is it worth a try do you think, i've had conflicting advice tbh.

 

both from forums and courts, I would be saying that i was not offered the opportunity to pay in thirty days and have removed.

 

Thanks

 

Missal

 

In the circumstances as you've outlined them I don't think it would work. Have you specifically asked the creditor whether they would be prepared to accept payment and then take the necessary legal steps to have the judgement cancelled as opposed to marked as satisfied? This can be done although it's unusual.

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I'm not sure that's possible, but if it is great!

 

Their stand at the moment is pay us and we'll provide a letter stating that i've paid and that it was registered in error due to me not living at the property, but i think i would just end up with a satisfied ccj and a judge thinking what the heck is she here for if it's paid!!??!

 

Is there another route for having ccj's removed after payment in full? or is there another court procedure that would be more appropriate?

 

Thanks

 

Missal

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That actually sounds as if they're going along the lines I was thinking of. I'm not an expert on this and I'm basing my comments on an old thread from another forum. The easiest way to check this would be to speak to each of the credit reference agencies (Experian, Equifax and Call Credit) and ask them what they would so with such a letter. If they would completely delete the ccj record from your data then you would achieve the result you want.

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