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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.
       
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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,

 

I recently had my Fiesta stolen from my Flat car park whilst at work. I bought the car directly from ford brand new with RTI insurance.

 

My insurance company offered me a brand new car or a cash settlement for the market value of the car. Obviously i thought that the gap insurance would cover the difference . I accepted the cash offer and went to the GAP for the difference and they have told me that as i have turned down a new car from my insurer they will not pay out the difference.Has anyone had any experience of this?

 

They even had the cheek to say when i spoke to them after the burglary that to see what my insurer offers me cos if i take a new car they dont get involved!! So it seems they dont pay out if i take a new car and they dont pay out if i dont..........IE they dont pay out anything!

 

Im sure its my choice if i want a new Fiesta or not,not for them to dictate to me.They never mentioned this on any phonecall and now claim its in the terms and conditions which were in my stolen vehicle.

 

Many thanks for any advice

 

Majestic01

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GAP insurance exists to cover the difference between the vehicle value at the time of the loss and the amount owed on finance, the ethos behind it is to get you back into a comparible vehicle.

 

You were offered a choice between a new car or cash settlement, you took the cash settlement, that was your choice but in making that decision you negated any claim on the GAP insurance.

 

Yes it's your choice, and they are not dictating anything to you, you had the option of a new car and you refused it, why should your GAP insurers have to pay out for your choice?

 

Mossy

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Yes the car was on finance.

 

On a different tangent then ,as i have realised now the better option is to take the new car how long after accepting the cash settlement over the phone can i change my mind.Obviously after speaking with Ford the value offer is much lower than they expected so i may want a new car instead now like they offered?

 

I havent recieved any cheques etc and it was only about 7 days ago that the cash settlement was agreed over the phone. Can i go back on it?

 

Many thanks

 

Majestic01

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