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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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Equita were passed my council tax arrears. They have added almost £184 to the debt of £300. The bailiff would had to have called at my property at least 6 times for those fees to have been incurred and I know he has not. I have paid £126 to Equita and have since been paying the Council direct as I wrote to Equita in May asking for a breakdown of their fees and informing them I would pay the council until they complied with the request. I told the council I was doing this and why. I had no response other than a visit from the bailiff a week ago telling me he was coming back with a van. I wrote to Equita by return with a copy of my letter of 28 May reiterating that I want a breakdown of their costs and that I would continue to pay the council whilst I wait for them to comply. I got a letter from the yesterday saying the bailiff will be turning up this week with the van and will take my goods whether or not I let them in. I won't let them in and I haven't signed a walking possession notice and all my windows and doors will be locked. I am about to call them today to remind them that it is a legal requirement that they provide the breakdown of costs within 14 days and that I will continue to pay the council as they are in breach of their legal requirement. Will contact council and complain about Equita while I am at it.

I take it as long as I pay the council direct and Equita are in breach of their requirement to give me a breakdown they can't do much about it?

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You MUST pursue this and the local authority are obliged to demand that THEIR AGENT provides this information !!

 

It would appear that YET AGAIN Equita have applied an "enforcement fee" to your account and on first glance this would appear to be for £160. It is simply staggering the amount of cases where this is happening.

 

The purpose of a bailiff visit is the "levy upon goods" and a bailiff can charge a fee of £24.50 for "attending to levy where no levy takes place" (ie: where nobody was at home when he called). He may apply a 2nd such visit fee of £18.00 if a further visit is required and the charge for this can ONLY be £18.00.

 

UNLESS the bailiff has either been into your premises and levied upon goods indoors which he will record on a Walking Possession or he has levied upon goods outside (ie: a motor vehicle) then he CANNOT CHARGE ANY FURTHER AMOUNTS.

 

The Statutory Regulations DO NOT provide for a bailiff to be able to charge an "enforcement fee" . In reality this charge is really an "attending to remove" fee!!

 

The regulations provide that such a charge can ONLY be applied if a bailiff has PREVIOUSLY levied upon goods. If this is the case then the bailiff by law must have provided documentary evidence of such a levy.

 

You need to request a copy of the SCREEN SHOT of your account.

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Hi can I ask has a bailiff ever been in your home also what area do you live in im sure you are aware if no bailiff has ever been in your property and has not levied on a car outside then all they can charge is first and second visit fee witch amounts to £42.50

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Hi tomtubby and bailiffbasher69. Just put the phone down on Equita. Firstly they said I had to speak to the bailiff which I refused to do because I found him too aggressive and intimidating when I asked him for a breakdown of costs. I told them I have written to them twice for this breakdown and reminded them that I was aware of what they could legally charge me. Spoke to someone else who said that they had received the second letter request yesterday but not the first one which of course they had. I have been visited 3 times that I am aware of and at no time was entry gained nor did I sign anything and I do not have a car so a levy could not be made. Therefore the fees for 3 visits should be £60 although I believe that one of these visits was unnecessary. I have been told the breakdown of charges will be sent out to me so I look forward to receiving this. I have no argument about paying the outstanding council tax but there is no way I am paying excessive and unfair charges. I live in Northamptonshire.

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Therefore the fees for 3 visits should be £60

bailiffs collecting council tax can only charge for 2 visits no matter how many times the come to your house

 

£24.50 1st visit £18 2nd visit because they have no levy your total for bailiffs fees should be £42.50

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NN4

 

As you do not own a vehicle the bailiff cannot of levied upon your goods and therefore the ONLY charges that can have been applied are £24.50 for "attending to levy where no levy was made" and a further charge of £18.00 can be applied for the second visit. There is NO provision within the statutory fee scale laid down by Parliament for any other visit fees to be applied UNLESS a bailiff has previosuly levied upon goods.

 

Please do ensure that you post back here with any repsonse that you receive.

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Yes I will post back here as soon as I have had their response which they assure me will be within the next couple of days. Thanks to you all for your advice and support.

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Tomtubby.

 

I promised that I would post back once I had heard from Equita with a breakdown of charges and I have now received this and guess what? my bill has miraculously shrunk. The opening balance was orginally according to Equita £586 but the breakdown shows the opening balance as £426 which is made up of £384 Council Tax arrears plus £24 plus £18. It then goes on to list the payments I have made and the outstanding balance. So the £160 levy charge you said you thought they had added even though no goods were levied was correct. Outrageous behaviour.

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