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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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Should I take out a payday loan? advise please !

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Take all your old stuff to a car boot sale or sell it on Ebay....I would NEVER use one of these types of companies....

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.


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Honestly, don't do it.


I don't want to sound patronising, but they were nearly the death of me. They are the most financially crippling thing I have ever done, and I have been the queen of ridiculous financial decisions in the past. If you think you are in financial dire straits now, wait until this lot are taking 2/3 or more of you monthly pay-check, and there's nothing you can do to stop them....then the only way out of it is to change your bank account and cancel your cards....then the phone calls start where they tell your colleagues that you owe them money...writing to your payroll department...using cancelled cards and old information to take money whenever they feel like it. Sadly, the stories are all over this forum.


If you really need a loan, try your local credit union - you can find your nearest one here:




If you are just after paying off some bills though, I would try negotiating with your creditors first. Trust me, they will be far easier to talk to than pay-day loan companies.

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100 % NO!

They are loan sharks with a licence. Their flagrant abuse of the law is shocking and they will manipulate you into a hole. Before you know it you will be in dire straits.

Steer clear!

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:confused:I know what people will say but i need £150 - £200 to pay some bills. who would you say are the better companies to deal with ? if any ? my bank will not even give me a £10 overdraft !



Please don't do it. I am like others just starting to sort my whole payday loan mess out!


Just like others have already said, speak to those that you owe your bills to and come to an arrangement with them. It will be a lot easier thean dealing with payday loan companies.


Once they have you hooked, that's it :(

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Just imagine you bought a Tv which cost £300 but you had to buy it for £600... Would you buy it?? I'm guessing thats a no.

These companys cost loads, they work on the fact that you cant afford to pay it back and enjoy taking far too much interest from you. I think that everyone is right, you are far better selling things on e-bay or at a carboot ---- which is what i will have to do to pay off the loan which i took out and then had a change in circumstances which ment i couldn't pay back.


I think you'll work it out but a pay day loan will not be the best way around any financial difficulties.

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Just imagine you bought a Tv which cost £300 but you had to buy it for £600... Would you buy it?? I'm guessing thats a no.


From me, it's a "no", but yesterday, I looked in the window of my local Brighthouse at a sofa that appeared to be second hand - it was £750 before "service charge" (my sofa doesn't require servicing, can only imagine why this one would need to be!!) and interest, and £1600 afterwards!!! :eek:


Bottom line is, if you're totally broke and your fridge breaks down, you'll buy one from cowboys like Brighthouse, because needs must when the devil drives. Same principle with PDL's - if you're in a tight corner and can't find a way out, people will use them. That's what makes them such a disgrace - nobody who isn't totally desperate and highly unlikely to be able to repay is ever, ever going to take out a pay day loan. If you can afford one, you don't need it!!

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