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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
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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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Defaults & the CCA / DPA

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I couldn't see whether this question had been covered before so I'd better ask.


My other half has three satisfied defaults on his credit report, from Three, O2, and Vodafone.


I've SARed all of them and none of them ever issued a paper default notice, three and O2 never even sent a reminder or final notice.


It has been suggested elsewhere that it is illegal to record a default marker against an account that is not subject to the Consumer Credit Act, however I doubt the reliability of this suggestion.


However, what regulations are there surrounding Telecommunications providers and Defaults? They aren't regulated by the Consumer Credit Act therefore are under no obligation to comply with it.


They are merely regulated by OFCOM and the ICO in regard to the way they handle data.


I ask, because my other half has never defaulted on a credit agreement. He's come close, but always rectified the issue when he gets a reminder or final notice. He's not missed a payment or been late on anything on over three years now and the only thing stopping his credit file from being immaculate is the defaults from mobile providers. He owes very little (just one credit card about £900) and doesn't have many accounts open (just enough to keep a decent history of paying on time).


As soon as we noticed the defaults on his credit report, he called them to satisfy the accounts straight away - there was never intention to withhold payment, he just forgot how many concurrent contracts he'd (stupidly) taken out and they never reminded him to pay!


Any advice you could offer would be muchly appreciated!! :):D

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  • 2 weeks later...

I used this technique to remove a Carphone Warehouse default earlier this year:


How to attempt to remove a Default Notice | LearnMoney.co.uk


They didn't even send me a default notice before registering a default on my credit files, so its pretty hard for them to find it and send me a copy! So they eventually removed it.

Hacksaw -v- Allied International Credit/Fairmile Partnership (incorrect Default) **WON** £150 out-of-court settlement

Hacksaw -v- Carphone Warehouse **WON** Default removed after LBA

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hacksaw,thank you for posting this link,just what i have been looking for.


I am trying to get a default removed that a DCA placed 2 years after an account was defaulted,no default was sent because the debt is'nt ours,as it turns out the debt is statute barred anyway.

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You're welcome


Do you have your own thread?

Hacksaw -v- Allied International Credit/Fairmile Partnership (incorrect Default) **WON** £150 out-of-court settlement

Hacksaw -v- Carphone Warehouse **WON** Default removed after LBA

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Yes i do,it's Bryan Carter in the debt collection forum,i don't know how to link it here.


BC are attempting to collect on behalf of arrow global,it's arrow that placed the default on the credit file 2 years after the last payment on the account according to the statement they sent.My OH has disputed the debt from the outset.As he has never had an mobile contract with the provider they have stated.

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