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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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Financial Ombudsman Service - Delays


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Is there anyone out there who is suffering long delays in getting FOS to review repossession disputes as I believe they have a standard delay of 9 months for such matters before it reaches an adjudicator. Would like some feedback on anyone suffering similar delays.

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Hi am going through the same thing and have posted a thread. The FOS are dealing with our case and now the FSA have stepped in a closed the company preventing them from doing any regulated business. What seems to happen is that the FOS will do what they think is fair and reasonable but will not intervene in any Court process. It took us from September 08 to January 09 to get an adjudication. In the meantime the lender had got a possesion order. Even now we are still waiting for a final decision but in the meantime the FSA have stopped the lender doing any new regulated business. Even this though will not automatically stop any posssession proceedings and I am now applying once again to stop the warrant of eviction pending the outcome of the FOS and the FSA involvement. Would be glad to help if you need any further comments

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Thanks for response. In your case the FOS have appeared to have responded to your predicament? I have lost faith in the FOS process as I think that due to lack of resources/skills they are automatically delaying processing complex cases (9 months beore adjudication) and not telling complainants of this and then introducing more delays when you complain. There are, I believe, many thousands of people waiting for adjudication with no real redress if the FOS delay or are incompetent.

In my case, SPML/LMC, the lender, really screwed up sale following repossession and undersold the property and I'm seeking redress through FOS but now believe that this has just wasted time. My MP has not managed to get answers to basic question of delay and the FOS appears to be unaccountable for any unrealistic delays.

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Thanks for response. In your case the FOS have appeared to have responded to your predicament? I have lost faith in the FOS process as I think that due to lack of resources/skills they are automatically delaying processing complex cases (9 months beore adjudication) and not telling complainants of this and then introducing more delays when you complain. There are, I believe, many thousands of people waiting for adjudication with no real redress if the FOS delay or are incompetent.

In my case, SPML/LMC, the lender, really screwed up sale following repossession and undersold the property and I'm seeking redress through FOS but now believe that this has just wasted time. My MP has not managed to get answers to basic question of delay and the FOS appears to be unaccountable for any unrealistic delays.

 

I used the FOS with SPML. To cut a long story short it was for charges after a suspended repo. and for the many mistakes they made including 'accidently' issuing a warrant of eviction.

 

It took 2 years for a final decision from the FOS..all charges and interest refunded plus compensation. SPML did put up a fight and refused to pass on their tariffs to the FOS, arguing that they were always seen to be in the wrong and all their charges were fair.

 

The account still isn't right but Capstone beg to differ even though enough evidence has been collated and sent.

 

But now we have to go through the whole thing again as SPML are applying a new set of charges even after they were warned that any future charges would be looked upon unfavourably. They have also denied receiving payments that were sent to them, asking us to to prove it and calling us liars. A SAR shows that they received the payments but didn't act on them.

 

The FOS can only act on the initial complaint so that leaves you wide open after that for any wrath that comes your way. The only positive is that the pestering letters go away once you show that you mean business and have something against them.

 

It's a rock and a hard place as to how you'd fair in court and a question of affordability against using the FOS.

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Thanks for that. I think that London Mortgage which was sold by SPML will still have a beligerent attitude. The argument I have with the FOS is that these institutions know that there are significant delays in the process so they can sit an wait and I do believe that the FOS puts any complex matters on the back burner as it screws their performance stats if they tackle these before the 'quick' win, straightforward, technical complaints. Unfortunately, the more complex matters usually involve higher figures of potential compensation and therefore more financial loss during the process to the complainant.

 

I think that the effectiveness of the FOS should be scrutinised more frequently and effectively but no one appears bothered or interested. I would like to hear from others that are concerned about delays as the FOS as with me is the only possible means of redress as an action through the Courts (County wouldn't cover potential compensation?) cannot be funded.

 

If there are other people out there who have or are waiting for adjudication by FOS I would appreciate feed-back.

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