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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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Just received this email from them, after sending them the telephone harressment letter. What should I do?

 

I’m sorry you feel this way, unfortunately you have left no choice now but to approach your employer and request a deduction of your wage, i will be sending a letter to the hr manager of your school at 17.00 on Tuesday unless you contact me to arrange repayment, it’s seems to me that you have no intention to repay the monies owed.

 

Many thanks

 

Kindest Regards

Barry Sillence

Accounts Manager

Cash Genie

(Part of In Time Finance Ltd)

Debtline: 0800 046 8121

Tel: 0845 956 9694

Fax: 0845 017 9961

Email: b.sillence@intime-finance.co.uk

Chapmans Warehouse

Neptune Quay

Ipswich

Suffolk

IP4 1AX:???:

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Its a clear cut case of sending the email to the OFT, they are going against the OFT guidelines on debt collection and intimidation. In the UK it is nigh on impossible to get a 'garnishment' of wages unless you have had a court order.

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Send them an email stating that:

 

They cannot contact your employer without a court order.

 

To get a court order they need to go to the court.

 

The court will most likely order you to stick to a payment plan with them.

 

If you then default on the payment plan it is only then that they can APPLY to the court for an attachment of earnings.

:!: Activ Kapital 2009 - £316 debt cancelled due to no credit agreement

 

:!: TNC Legal Collections (Swinton) - £61 written off due to complaint being upheld with the FOS

 

:D Be Happy and treat people exactly how you would like to be treated

 

:mad: Don't let people take advantage of you and stand up for your rights and beliefs

 

:p You only live once so don't take things so seriously

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Agree with all of the above - harrassment and intimidation it certainly is, relying on your either not knowing they are talking bunkum or your wish to avoid them "writing to your HR manager" will outweigh your desire stand up to them! :roll:

 

Seems that the "stuck record" approach works best with these firms - repeat harrassment/no visiting letter, repeat offer of what you can afford to pay, confirm complaint to OFT about their vexatious pursuit of "recovery" action and refusal to agree to your resonable repayment proposals. You can also add they are legally obliged to accept whatever you are trying to pay them in reduction of the debt (they can continue to argue with you for more but the usual tactic of refusing to accept whatever you are offering in the meantime whilst racking up the "interest" and "charges" is not legal).

 

Keep at them and do complain - we will get there if enough people follow through. Best of luck :)

MJC 007.5 :cool:

 

Advice or opinions offered by mjc 007.5 are personal, offered in good faith and without prejudice or liability. Your decisions and actions are your own and should you be in any doubt then please seek the opinion of a fully qualified and insured professional

 

:) If you think I have helped you please feel free to click on my scales :)

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Thanks for all your advice....Cash Genie have accepted my payment plan

 

Excellent news, well done on this. Stick to the payment plan and they won't have a leg to stand on.

 

BTW have they confirmed the payment plan in writing? If not request that they do. :)

:!: Activ Kapital 2009 - £316 debt cancelled due to no credit agreement

 

:!: TNC Legal Collections (Swinton) - £61 written off due to complaint being upheld with the FOS

 

:D Be Happy and treat people exactly how you would like to be treated

 

:mad: Don't let people take advantage of you and stand up for your rights and beliefs

 

:p You only live once so don't take things so seriously

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Hi. They have asked me to provide screen shots of the standing order set up. Until they receive them they will keep processing through collections.

 

Is this ok to do?

 

Thanks

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Hiya

 

You can tell them to swing for it but in the spirit of working with them (:p) to a mutually acceptable arrangement I would give them their screen shot(s) with enough info to confirm it was your bank and they were the beneficiaries but with the account number and sort code blacked out! ;) (as with personal details for docs posted here). They are of course only wishing to confirm payment was set up and there is no way they would use the account details if they could see them to add their own direct debit to your standing order! :rolleyes:

 

Play their game sure, just remove the stuff they could use to go behind your back!! :)

 

Keep going, you are getting there

MJC 007.5 :cool:

 

Advice or opinions offered by mjc 007.5 are personal, offered in good faith and without prejudice or liability. Your decisions and actions are your own and should you be in any doubt then please seek the opinion of a fully qualified and insured professional

 

:) If you think I have helped you please feel free to click on my scales :)

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  • 1 year later...

I've reported the poster advertising a free service, this needs to go to the moderators as it seems to be blatant advertising.

 

The best advice is to set up a second bank account with either the Halifax or Co Op and have your income transferred into that.

 

Report the email to Trading Standards via Consumerdirect and report it to the OFT. If you do not report it they will only get away with it and harrass you even more.

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