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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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Egg loan , Mint card and MBNA


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Ok !

 

So, after finding out about this forum I applied for my cca from Egg loan, Mint card and MBNA. After thinking it would all be done for me (rather stupidly) I'm now taking my head from beneath the sand.

 

3 weeks on I have received this from Egg

 

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Image - TinyPic - Free Image Hosting, Photo Sharing & Video Hosting

 

and what seems to be a application form from Mint x 2 pages. On the first it says credit card application form and then shows the reason for the card, e.g pay of xyz card and ABC card. Also asks me what kind of card do I want etc. On the second page at the top it says this is a credit agreement regulated by the consumer credit act 1974. But it doesn't list any specific detail on amount of credit or approved credit etc but with my signature on the last page. I believe this is just an application form. Any experience wit MINT out there?

 

3/4 weeks later I have heard nothing from MBNA, Egg and Mint are chasing on the phone regularly but nothing from MBNA apart from today where I have received a letter from Global Vantedge saying that MBNA have contacted them requesting I need to pay the overdue amount. With MBNA is it right to be a little more front foot and send them the letter template informing them that they have failed to produce a CCA? or just suck it and see?

 

With Egg. I did post the links to the agreemens a while ago and a few guys came back to say it was a similiar case to theirs and Egg had failed to execute the agreement properly. Someone also asked what the purpose of the loan was for? is this important? another asked if I had a copy of the clauses that are listed on the first page. I do. But they are different from the clauses they sent recently with the CCA I requested... Can anyone offer some specific advise of their cases with egg loans and whether I can determine whether this is ACTUALLY unenforecable? Do I need to scan a copy of the 3/4 pages of clayses originally taken out with the loan before 2005.

 

I need to get o with this and finally I'm gonna start taking it on. Please can anyone help to get me started.

 

Cheers

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