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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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Hi guys, were you all named in your local papers when you took bankruptcy? I am seriously thinking about it. I am 2 years 6 months into my IVA and starting to really struggle now. But so scared of people knowing i go bankrupts. I also work for Royal Mail will it affect that? Last thing i wanna do is lose my job.

 

And congrats to you all, I hope one day i can also be free of debt.

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I can't see how this will affect your job with RM.

 

Recently the law has been altered and since 1st October BR's no longer need to be advertised in the local press. They will still be advertised in the London Gazzette but it is unlikely that friends and relatives will be searching on there for you.

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are you saying a debt that was included in you br petition is still being collected upon?

 

forgive me if i am reading this wrong.

 

regards

 

out of cash

 

Yes that's right. The council have the right to come after you even if you are declared BR; but after some advice, from the forum, and with the backing of my MP and a solicitor I will be going down the 'provable debt' route.

'I'm Tyrannosaurus Gally, and I'll have any financial institution for breakfast!'

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  • 4 months later...

Thank you to all of you who previously gave me advice & support - greatly appreciated. Well the deed is done. I have been declared bankrupt. I have my OR interview in 2 weeks and I'm dreading it. OR seemed very stern when I spoke to her. I'm NOT looking forward to it in the slightest. I still feel like the weight of the world is on my shoulders.

 

It's awful and I really hope that I can soon breathe a sigh of relief!

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Thank you to all of you who previously gave me advice & support - greatly appreciated. Well the deed is done. I have been declared bankrupt. I have my OR interview in 2 weeks and I'm dreading it. OR seemed very stern when I spoke to her. I'm NOT looking forward to it in the slightest. I still feel like the weight of the world is on my shoulders.

 

It's awful and I really hope that I can soon breathe a sigh of relief!

 

i went bankrupt in 2005,my OR was marvellous,i like you was really not looking forward to my phone interview,but it was nothing to worry about in the end. if i had a problem she was only a phone call away,

i had a problem with 1 company that kept insisting on "selling on" my "debt" to 5 debt collectors!!

the OR,when i informed her,took the details of the 5 dcr's,and then told me to "have fun",i asked her wot she meant,

i rang them, and "had fun" (hehehe),

the dcr's would ask me if i was gonna pay,i said no,they would then get on their moral high horse and demand payment lol

then i would drop the bombshell, BANKRUPT, silence from them,marvellous !!

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shackles,dont worry about it.

just make sure you tell them verything and they will be ok.

the people where i went were very nice and very helpfull.

you have done nothing wrong,you arnt up on a mrder charge,its happening more than you think.

if they are rude and not helpfull,the report them.

they are ment to be there to help you not make judgments.

im out of br now,i was only in 7 months and got discharged.

 

 

 

good luck.

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Thanks - hugely appreciated. I unfortunately got off to the wrong start with the OR when I couldn't commit to the initial interview slot they wanted. I work for the NHS, which means shifts & no structure to breaks (if I'm lucky enough to get them). My rota wasn't out for the date she wanted so I couldn't commit (otherwise I'd be messing her around). The rota would be out the very next day & I promised faithfully to call her the next day to arrange but she wasn't having it. She suggested I did not appreciate the severity of the situation which I took much offence too but I didn't let on. In the end I gave in & arranged for a date I didn't even know I would be off for. What happened? Got the rota next day, proverbial law I was rostered to work, had to phone back and re-arrange for a date I'd be off. So far, bankrupt one week and managed to hack them off. Headmistress for an OR so really not looking forward to it!

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I have started a new thread as I was going off topic. Just wanted to come back to this thread & thank those who gave me some input back in September as it really helped & I am very grateful. Gaz, I hope things are going brilliantly for you! :)

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I have started a new thread as I was going off topic. Just wanted to come back to this thread & thank those who gave me some input back in September as it really helped & I am very grateful. Gaz, I hope things are going brilliantly for you! :)

 

Cheers

 

I'm now discharged - October 2010 - the DCA's have gave up - I now have to phone them to have fun (latest is the fact they have not updated my credit file - letter time) I've learnt to live on cash, save up for stuff and have no access to credit - thats a very good thing - I've never had so much money - not being glib here but I didn't appreciate just how much I was paying out - my problem was once tied into a hp contract they wouldn't discuss repayment reductions - had to skin myself to try and meet them - the car/phone went back and relieved a massive pressure

 

Not one person I've met knew (that's how many locals read the court notices in the local papers, don't worry about that) the ones I told didn't care, in fact a few offered to help me out - too late (luckilly)

 

Until the creditors stick 'satisfied' or part satisfied I can't rebuild my credit

 

I need to go for now but good luck

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