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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • 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.
       
      • 3 replies
    • 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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New Lowell Case Help Needed


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Unfortunately they are too small. can you use photobucket or attach them as pdf files (Adobe)

 

From what I can see though, it looks like an application form.

Can you confirm if there is

 

1 The APR

2 A payment schedule

3 A credit limit or a statement saying one will be set for you

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ccablack.pdf

 

There is a separate 12 page document with my name and reference at the top.

 

In answering your questions:

 

1. It starts with a summary of the apr chargeable to this agreement and then lists terms and conditions on use of the card.

 

2. Section 8 & 9 outline the repayments which need to be made

 

3. Section 4 advises a credit limit will be set by them and amended when appropriate

ccablack.pdf

Edited by Bundz
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Bundz, it looks like an application form only. You must remove it and delete all your personal details and then re-submit it. The pdf version is fine in size but delete your details:eek:

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Irrespectively of how many extra sheets they send you with the terms and conditions on them, the "agreement" they have sent fails.

 

The key terms need to be within the 4 corners of the agreement and they surely aint.

 

Lowells will now swear black is white that the agreement they have sent is enforceable.

 

With the T's & C's. without posting the entire thing up, do they have dates on them?

What are the penalty charges?

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I have removed and re-entered, thanks for that

 

There are no dates or signatures on the terms and conditions, it has my name and reference on the top.

 

Charges are mentioned in section 12 'Other charges and default charges'

 

"you must pay to us the 'other charges' and 'default charges' referred to in the 'key information' (as varied from time to time)"

 

It doesnt have any specific figures

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Oh goodie :D NO relationship between the application and the terms so you can't even be sure the terms are from 2002. I suspect they are the same as the ones I got when I SAR'd Cap1.

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Re Egg 'debt'

 

Got a letter from Lowell, enclosing a letter from Egg which confirms that they have transferred the rights and the account to Lowell Portfolio

 

The letter from egg is odd because it obviously hasn't come from egg, both peices of paper have similar printed marks to suggest Lowell have produced both documents.

 

Check this post re lowell data matrix. Lowell should be reported to OFT.

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/176432-lowell-humpty-dumpty-7.html#post2470370

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If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Hi guys,

 

letter from Lowell today

 

Confirming that they are writing to me in error and will no longer contact me regarding the 'egg' debt.

 

They would like to apologise for any inconvenience caused and have removed all of there data on me.

 

Just need to sort out this capital one issue.

 

Thanks to everyone how looked at my post, i am in your debt.....oh no not again!!!

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Hi guys,

 

 

Thanks to everyone how looked at my post, i am in your debt.....oh no not again!!!

 

 

:D:D Funneee!

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  • 4 weeks later...

If the default on your credit file relates to the EGG debt then I would threaten them with legal action and demand compensation.

 

If it relates to the CAP1 debt then they will state they have a right to be marking your file.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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