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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.
       
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      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. 
       
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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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RBS Loanguard v Questioner


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I am thinking of reclaiming for a RBS Loanguard policy.

 

I have found the agreement too.

 

We only just found out that PPI was attached and were self - employed at the time.

 

If needs be I can upload the while policy so that others can check it with benefit to themselves. We tend to save everything so.....:)

 

This is the agreement the PPI is attached too. Although this loan has now ended the enforcibility of this doc may have been questionable too. S 18 springs to mind re Multiple Loans banged up as one for starters.

 

This however is not the main resaon for this thread. I just want to use it to record how we go on with the prospective PPI claim..

 

Loanguard3edit.jpg

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What were the dates of the loan , Q ? Start and finish dates:D

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb 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.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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There are no dates at all on the agreement - will have to check on the statements.

 

We know its finished though as the amounts due stopped on statements and the bank confirmed it was done with a while back.

 

our records indicate that this loan started in April 04.

 

The bottom right hand corner is interesting

 

They have bunged the main loan and PPI all together.

 

The APR box is 15.9 %

 

Is all this correct? SOMETHING FEELS WRONG TO ME.

Edited by questioner
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You will need someone like postgi or steven4064 as well as many others on the forums who understand the APR issues. I dont have a clue, sorry. x

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb 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.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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As I am new to this PPI thing I would appreciate it if someone could show me the best shortie letter to start the ball rolling against this Loanguard issue.

 

Perhaps just a short please give me the dosh back type letter, that the bank can refuse to comply with, so that I can subsequently bang in a more detailed one after that...

 

I do have one in the wings from another thread but will save this until later on.

 

Basically - I was self-employed and had business insurance at the time; did not know what the heck PPI was and would not have wanted it. It seems like it was just shoved onto this contract above .

Edited by questioner
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  • 2 weeks later...

Game on

 

I got this off RBS

 

RBS30nov091edit.jpg

RBS30nov092edit.jpg

 

These are the reasons it was missold

 

 

I was self employed at the time and they were fully aware of this. I had my own business insurance (being self-employed) therefore PPI would never have been appropriate to me. Moreover, I believe that on the basis that I had business insurance any prospective claim in the PPI field may potentially have never been accepted by the PPI seller.

 

I was never given any appropriate professional, unbiased advice or choice over this product by them. I had no idea what PPI actually even was, what it entailed and the huge monetary costs to me associated with its addition to any policy.I was given the overall and grossly confusing impression that PPI was an indispensable component that one had to accept without question. This I believe to be unfair and extremely misleading. I was not ever informed that I could obtain cheaper alternative PPI elsewhere, if required either. I told them that I noted that this latter concern has now been the subject of an enquiry by the Competition Commissioners Office who were especially critical of PPI.

 

I have serious doubts that I ever even said yes to any PPI product, believing that any tick box or whatever used on any application form may have been ticked already, before I saw this. In fact this belief is supported by the fact that the unsigned Personal Application Form, relating to this account, has been filled in by THEM – not me.

 

I also mentioned ...............

 

FOS statistics for Jan-June 09 illustrate that a huge 94% of insurance complaints against RBS were upheld.

 

They may not like that bit too much.

 

Any bank-crushing PPI tips always appreciated folks.......

 

Cheers

 

Q:)

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Cast your eyes over this and you will see you can win against RBS.

 

***RBS PPI Claim Long fight but, WON***

 

Very long thread but useful stuff in there and letters which may help you out.

 

Give them their 8 weeks as required by law and then bang in a complaint to the Financial Ombudsman Service.

 

Please ensure you have copies of all correspondence both ways to send with your complaint.

 

The complaint to the FOS will result in a charge of £500 being levied against RBS by the FOS.

 

http://www.financial-ombudsman.org.uk/publications/technical_notes/QG1.pdf

 

how much is the case fee?

The standard case fee (which we charge for the fourth and any subsequent “chargeable” case during the year) is currently £500 (from April 2009). Case fee arrangements are reviewed each year and may be subject to change.

 

Believe me RBS will be well over 4 cases. :grin:

 

Post up if you have more queries. ;)

 

aa

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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Alan - lovely thanks a lot.

 

I will study it in detail as soon as I have attended to more pressing shark attacks on other threads, which have rolled in today.

 

The PPI thing is proactive and great but I have to watch my defensive back too.

;)

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  • 4 weeks later...

Hmmm, looking good perhaps ?:)

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb 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.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I have been successful on 3 RBS loans in the last wee while. 2 of them took @ 12 weeks and they sent letters as per above. Sometimes the delay is caused by the local branch being slow to send out the info - esp if the loans are old.

 

Hang in there!

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They said...............

 

RBSreply23dec09edit.jpg

 

Try and keep the timescales tight. I allowed them too much time and so my claim took nearly 12 months. 8 months of fighting RBS and 4 months for the FOS to uphold my claim plus ICO slapped RBS for not knowing Direct Line Financial Services had been legally transferred to RBS and so should have automatically dealt with the entirity of my complaint.

 

I no longer get monthly calls from my friendly customer support to see if they can help me with my finances. :D

 

aa

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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Thanks folks - I shall not give them an inch as that is not my way.

 

May need to send a gee up response soon as my claim went in at the end of Nov.

 

Keep on top of them. RBS will try everything to keep you off track while they spend thousands of pounds in sponsorship keeping formula 1 cars on track :D

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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Try and keep the timescales tight. I allowed them too much time and so my claim took nearly 12 months. 8 months of fighting RBS and 4 months for the FOS to uphold my claim plus ICO slapped RBS for not knowing Direct Line Financial Services had been legally transferred to RBS and so should have automatically dealt with the entirity of my complaint.

 

I no longer get monthly calls from my friendly customer support to see if they can help me with my finances. :D

 

aa

 

 

Oh dear, I reckon you must be gutted about the loss of their "professional advice" aa.. :rolleyes::D

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb 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.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Try and keep the timescales tight. I allowed them too much time and so my claim took nearly 12 months. 8 months of fighting RBS and 4 months for the FOS to uphold my claim plus ICO slapped RBS for not knowing Direct Line Financial Services had been legally transferred to RBS and so should have automatically dealt with the entirity of my complaint.

 

 

aa

 

Nice one:D

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb 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.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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  • 3 weeks later...

Claim went in at end of November and they have just written again asking for my patience whilst they investigate.

 

This time however they did say I could go to FOS if I was unhappy about the wait.

 

How sweet of them.

 

 

Not sure what path to take .

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WINNER

 

 

RBS has just agreed to refund all PPI premiums paid and insurance.

 

Nice!

 

 

Well Done when you get the cash post up and I will add a **WON ** to your thread title. Also please remember to post your success in the stickies at the top of the forum.

 

aa

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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Well done, that seems to have taken about 2 months (allowing for the christmas + new year break). I wonder if banks are getting used to the idea of paying up and starting to give in a bit more or if it was a one off.

 

Either way its a good result.

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  • 1 month later...

Thanks guys - its a busy life doing banks for PPI as I have found out but nonetheless an effective thing to do.......

 

Main thing is to dismiss initial refusals and go for the throat

 

:D

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