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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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advice needed please


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can you please tell me if the service charges are legal on catalogue repayments, i am paying them each month for goods, but i had to finish work because of servere illness, so i had to send what i can afford each month, because of this they are charging me about £11.50 a monthservice charges, ill never get it paid of at this rate can you please advise mee

thank you

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Hi,

If you have all your statements then put a claim in for a refund of these (up to now) unlawful charges.

 

If you can't afford the minimum payments, have you informed them of this?

 

Your essential outgoings take priority and anything else can wait.

If all you can afford is £1 then that is all you send.

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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'Service Charge' as most of these catalogue's call it is actually 'Interest'

So is not rearly an unlawful charge, it is based on a percentage of the balance owing. You need to write to them and ask if they will freeze unincured interest.

 

If the charges are for non payment or for admin fees, such as sending you a letter, which are usually fixed cost £12, £15 or sometime £20 depending on the catalogue, then do as silver fox suggests and get them to credit them back to your account, these are penalty charges and you must claim them back.

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How old is this account & did you open it online?

Anthrax alert at debt collectors caused by box of doughnuts

 

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Thank you so much for all it is a great help your information, i did inform them, but they are still charging me,and when i first ordered the goods it was on line.Ishall get a letter of to them straight away and see what they say thankyou

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i have been in touch with my catalogue and they refuse to lower or freeze the service charges, or accept a reduced payment can you advise me what else i can do, i asked about claiming my service charges and was told that only works with the bank charges

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i have been in touch with my catalogue and they refuse to lower or freeze the service charges, or accept a reduced payment can you advise me what else i can do, i asked about claiming my service charges and was told that only works with the bank charges

 

I take it all this was discussed by telephone?

Firstlt stop ringing them up , they are not interested in anything you say, unless it is debit or credit cards details

 

Write to them outlining the reason you are behind with the payment, enclosed a breif I&E sheet, showing what you have left after paying priority bills and tell them that whats on offer, like it or lump it.

 

Tell them if they are going to charge more in charges and interest than the amount of you monthly payment, then you are refusing to pay them anything until such time as they do.

 

They will not like it and more then likely set their collection idiots on to you.

 

But stick to your guns, pay only what YOU can afford and ignore anything and everything they tell you to the contrary.

 

They cannot have what you haven't got, simple as.

 

Also send a seperate letter with a list of all the penalty charges, the date incured and the amount, and a total at the bottom + interest charged at the same rate as they are charging you. Tell them point black you have no intention of paying them and you want them credited back to your account pronto before you will even consider coming to an agreement regarding payment to clear the outstanding balance.

 

PS you have not answered a previous question about how old this account is?

Can you also say who the company is and also a rough idea of the total balance outstanding

Edited by alfwithhair
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thankyou for answering my question, the account is still running but when i had to give up work about 4 month ago i had to reduce my payment as i couldnt afford the full payment i owe them about £550 but they keep adding charges on each month and now they want me to pay £169 to bring my payments upto dateof which i dont have, and its them that are ringing me

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How long have you had the account and did you open it online, the telephone or did you fill in an application form?

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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i have had the account about 8 mnth and i opened it on line and i didnt fill in any forms, sorry i forgot the company is fifty plus. im paying them £20 a month at the moment

Edited by paula5650
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  • 2 weeks later...

please i need more help this catalogue company phoned me again and we arranged that i shoud pay them £20.00 every 4 weeks and for me to make a one of payment of £43.00 added to the account and they would stop the sevice charges of £12.00 per month so i agreed i paid them the £20.00 on the 4th nov and now they sent me a letter saying they want another payment by the 28th november else they are going to say i defaulted on my payments can you please advise

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