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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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Deena V Nationwide


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Hi

 

I'm doing this for my son and I'm not sure if I've worked out the charges correctly. I have copies of most of his statements for the last five years and have added up all the unpaid dd, unauthorised overdraft charges etc. I made it £632.50 then I added up all the interest itemised on the statements added it to the charges and came up with a total of £1045.12. I sent a preliminary letter requesting a refund for that amount. What if I've claimed the wrong amount - I didn't use the spreadsheet? I think I may have asked for too much back.

Thanks for any advice you can offer.

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Hi deena - Welcome aboard

 

Sorry we missed your post until now.

 

If you take a really good luck in our FAQ section you should hopefully see most, if not everything, covered in there. It is worth reading several times (square eyes at the ready...)

 

Interest should only be added if it was solely due to charges imposed - i.e. not standard overdraft interest. If the statements do not break this down it can be very difficult to work out and so many people do not bother.

 

If the statements clearly separate the interest, then that would be fine.

 

The spreadsheets we supply work out 8% interest on each charge, from the date incurred. This type of interest should only be claimed if the case reaches the court action stage.

 

You say you have most statements - what periods are missing? Would you not contemplate asking for all the information, so that you have a definitive figure?

 

John

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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Hi,

 

Don't worry about it. You've probably asked for too much. If the amounts were larger I would say it will probably end up almost correct, but it's not.

 

If the bank doesn't pay before you raise your claim in court, you can re-calculate at that point, then add the 8% also.

 

Let me know if you need any help with the spreadsheet.

Vamp. :)

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[

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Thanks for your reply.

That's reassured me, I was worrying that if I've gone over the top in initial request I've messed up future action, and spoilt chances of getting the money back. I've had the standard "Thank you for your letter of 4th June, about charges incurred on your Flexaccount. Feedback from our members is absolutely invaluable, so we appreciate the time you've taken to get in touch with us about this issue, and we're grateful for the opportunity to explain the rationale behind our charging policy. Etc, etc". So I'm nearly ready to send the letter before action do I need to send them a copy of the spreadsheet calculations, or can I simply put the amount I'm claiming again, or should I recalulate at this stage?

 

Thanks again

Deena

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In yout LBA ask for the correct amount, so yes you need to recalculate, send a copy of the spreadsheet to as this will serve 2 purposes ..1 at some point you need to show them how you came to the figure you are claiming so now we say to put it in with all your letters then the bank can't argue that they have never recieved it .2 It will show how your now asking for a different amount to your first request without the need for you to go in to explanations in your letter.

 

If you need help with your spreadsheet just let Vamp know , as she said .

 

EDIT

 

of course people have different experiences and may give you different advice so you must use your own judgement on who's advice you take

  • Confused 1

When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

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:) sorry mjanets post crossed with mine, follow mjanets advice, she is more expert than me!
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I QUESTION THEREFORE I AM!! [sIGPIC][/sIGPIC]

 

Unfortunately i'm not an expert in any given field legally and my advice and that of the Consumer Action Group and the Bank Action Group is given without prejudice and without liability so please if in any doubt whatsoever seek help from an insured qualified professional. Contents of my posts are purely my own personal opinions and not condoned or endorsed in any way, shape or form by CAG. Thank you! :p

 

 

I have been smoke-free for 4yrs

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I am not an expert , my answers are my own opinion based on my own experiences and following the claims of other users .Please read my signature.

When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

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  • 2 weeks later...

Thanks everyone.

I've recalculated and will post LBA tomorrow asking for £403.50 without the 8% interest. Am a bit fearful of issuing court action but will do so if no response. Here we go forward into battle!

Deena

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  • 4 weeks later...

Hi

When completing the online moneyclaim form a window regarding interest pops up. Right at the end it say to enter the daily rate of interest. Can someone please tell me what is the daily rate of interest? I don't know what to enter for this last figure.

Many thanks

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You calculate this by multiplying the total of the charges you are claiming by 0.00022.

 

eg £595 x 0.00022 = £0.13p. It means that a claim of £595 would earn an additional 13p every day between filing at moneyclaim and settlement by the bank.

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Thank you for your reply. Another question is it worked out on the first total of charges or the charges plus 8% accumulated interest?

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Thank you.

Since posting my question I've received another statement with more unauthorised overdraft charges. Should I add this to my total as well or simpl ignore it?

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The moneyclaim form is only for use when you have exhausted all the lines of provedure........ie wtitten to your bank and ask for it back.

I presume you have read the forums and the faqs ?

 

https://www.moneyclaim.gov.uk/csmco/login.jsp

 

 

Here is the link for moneyclaim.

What steps have you taken already ?

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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  • 2 weeks later...

I've finally managed to submit my moneyclaim online application tonight. So here's hoping! I just hope they don't defend and make me go to court. They are such b*****ds I've got my new account set up ready and hope that they do close my account with them. In fact before I discovered this site I had borrowed money from my dad to pay off my overdraft and at that time I requested that they close the account. Guess what my payment paying off entire overdraft was a couple of days late so from a 0.00 balance I'm in the red again becuase of their stinking charges.

 

I want to thank everyone involved in this site and if I get my charges refunded I will definately be donating 5%. Fingers crossed please everyone.

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I have merged your threads so it is easier for us all to keep track of your progress to date.

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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