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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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no you are not, but the 1000's of others dont use this site.

and are prob being fleeced right now

you're exp will provide a thread for others to follow.

 

keep it up.

 

dx

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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I tried last year when Marstons/Wonga sent out a bulk email showing 600 odd names, but nobody was interested as I seemed to be the only 'complainer'.

 

I've still got the evidence from last December (how nice of them, three weeks before Xmas sending 'the boys' round to 'assess your means before further action is taken'...

 

If either DX or TOS want help and my evidence please get in touch via a moderator, I need to know that it is the 'real you' who wants this info and not Marstons/Wonga pretending...

 

You could both also try contacting Bankfodder as he tried helping me last year - pity the BBC don't want to show the 'real debtor issues' and only go for 'stereotype' debtors ie the Rankines and the 'underfunctioning'.

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You cannot stop a bailiff turning up at your door, but you can decline entry and you dont have to talk to them. You have a right to ask them to leave & if they refuse then you can call police reporting a disturbance. Door remains locked shut.

The next generation Nintendo Wii - the Nintendo Puu

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You cannot stop a bailiff turning up at your door, but you can decline entry and you dont have to talk to them. You have a right to ask them to leave & if they refuse then you can call police reporting a disturbance. Door remains locked shut.

 

they are not acting as bailiffs though only debt collectors as there is no court jugdement and they are just using their normal letter head and making unfounded threats

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i think silly girl mentioned this when these baliff co got in on the dca biz

 

i thought they would not get an allteration to there consumer credit licence to get into the dca racket as it would be a conflict of interest

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  • 2 weeks later...

I began emailling Wonga offering a payment proposal, they emailed back as well (probably because I CC'd Trading standards & Watchdog). They said to call the Collections department to discuss an arrangement. I called, they had no record of the email and said that I will need to send in an income/expenditure. I emailed saying that the person i spoke to wasnt very helpfull and now waiting on their reply.

 

I emailed Marstons to let them know I am in contact with Wonga again.

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  • 3 weeks later...

Last night I emailed Wonga giving them until 5.30 today to respond to my previous emails. They only seem to reply to those where you CC in Trading Standards. I have said If i dont get a response, I will consider the matter closed and written off!

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