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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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Have taken money out via DD for over 600, going to see my bank this morning.

 

I have been checking my bank account every day, hopefully I can get it reversed by the bank today.

 

:confused:

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it is unclear whether you are asking for advice -- or what the circumstances of this direct debit are.

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is this from your thread.

 

you offered to re pay at £25 per month and they have taken 600+?

SAM:pLOWELL DETESTER.

 

SO PROUD OF MY AVATAR,THAT TOOK ME WEEKS TO WORK OUT HOW TO GET ONE.:lol:

 

PLZ CLICK MY SCALES IF YOU LIKE WHAT I SAY.

OR IF I HAVE HELPED IN ANY WAY.:smile:

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Yes this is right, they refused my 25.00 offer and sent me a default notice this week. Then last night they took over 600.....making me overdrawn etc.

 

I check my direct debits everyday, maybe I need to change bank accounts.

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what did the bank say this morning

SAM:pLOWELL DETESTER.

 

SO PROUD OF MY AVATAR,THAT TOOK ME WEEKS TO WORK OUT HOW TO GET ONE.:lol:

 

PLZ CLICK MY SCALES IF YOU LIKE WHAT I SAY.

OR IF I HAVE HELPED IN ANY WAY.:smile:

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Yes this is right, they refused my 25.00 offer and sent me a default notice this week. Then last night they took over 600.....making me overdrawn etc.

 

I check my direct debits everyday, maybe I need to change bank accounts.

 

Yes, you absolutely need to change accounts, please do this before next months payday, because they will do this again regardless of whether the original direct debit has been cancelled. They just change the reference number and resubmit.

 

Please read through the thread below to see what you need to do.

 

http://www.consumeractiongroup.co.uk/forum/payday-loans/223352-more-payday-loan-help.html

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Can't agree more. Change your account :)

 

The different ways that they deal with customers is rediculous. After a bit of hard bargaining, they have agreed to my terms. However as I have changed banks, maybe it's because it's the only way that they wil get their money. Plus I'm still not convinced they will stick to it!

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Once they can't get at your funds they will have to consider negotiating. They tried the Direct Debit trick with me and even after this refused payment plan.

 

They sometimes then threaten with Meritforce who rarely seem that interested if you can't afford to repay back over short period of time.

 

A new account is a pain in the butt but the only way for peace of mind the day before your salary goes in;)

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Hi

 

Most of the main banks offer basic accounts. Halifax have a cash card account. One or two on here have recommended Cooperative Bank. Just take plenty of ID along with you when you visit.

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Thanks for the advice, can you recommend any good banks. I am currently with Natwest. Need a bank that does not mind bad credit history!

 

Thanks

 

Any bank will offer you a basic account - some are better than others, it depends on what you feel you need to get from your account. Do a Google search on "compare basic bank accounts", and you'll get a load of comparisons come up. If anyone asks you to pay to process your application, run away. I've noticed there's a few sites trying this [problem] at the minute.

 

Personally, I have a credit union current account - it's the only basic bank account I know that comes with a full Visa debit card (not that it makes much difference, IMO). You still don't get an overdraft, but can pay in wages, direct debits, standing orders....all the usual. Just do a search for "local credit unions"...you should find a site called ABCUL, which will let you serach for your local credit union.

 

Good luck.

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