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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • 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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CAG newbie here looking for some help please! This might end up being long so I'll apologise in advance :oops:

 

I decided to get a copy of my Equifax credit report today, and what a shock that was! In 2007, there are serious mortgage arrears and a default of almost £18,000 from a secured loan on a property I used to own with my ex. We split up in 2005 and I moved to Scotland, he stayed while we tried to sell the house. It took two years to sell (it needed major refurbishment - hence the secured loan), and during this time he told me he was paying the mortgage and loan every month, and even emailed me his bank statements a few times to 'prove it' (obviously now I know these were doctored!). I'd set up a mail redirect to my new address and written to the lenders telling them I'd moved out, but I didn't get any letters from them about the arrears, so I had no reason to doubt him. I know that both the mortgage and the loan were settled when the house was finally sold in August 2007, but looking at my credit report I can see he was already 6 months behind with the payments at that point. Luckily the mortgage didn't default, however the secured loan (different lender) did default. The balance on this loan was almost £18,000.

 

I know I can't do anything about the arrears showing on my file, as the accounts were in joint names and it's my own stupid fault for not checking my ex was actually paying them like he said. But I have two issues with the default - firstly, it is still showing as an outstanding balance, and hasn't been marked as satisfied. As the loan was secured on the house, it's impossible for it to still be outstanding. Secondly, the default date is the 31st August, but the property was sold on the 24th! The mortgage was paid off at the same time as the secured loan and my report shows that was settled on the 29th (I'm assuming the solicitor paid by cheque and it took a few days to clear), and I can only presume that the loan company received their cheque at the same time. So I don't understand how they could add a default on the 31st, knowing the property had already been sold and payment had been issued to them.

 

I've emailed Equifax asking for the default to be removed and the account to be shown as satisfied, but what are my chances of this actually happening? I don't have any information about the loan as my ex had all the documents and it was 4 years ago that I left - I don't even have an account number. Is it worth writing to them with just my name and previous address to see if they can find the info? It worries me that they still have it listed as an outstanding balance, in case they try to chase me for it!

 

Is it even worth pursuing it? Even if they remove the default, the account would still show as 6 months in arrears, so I'm presuming my credit rating is still going to be ruined until it comes off in 2013. Apart from these things, my credit history is perfect, so it's really annoying that I'm stuck with these bad marks against me because of an idiot ex boyfriend. I was wondering why I was (very embarrassingly) turned down for a car loan recently, and now I know why!

 

Do you ever just wish you'd never bothered looking?!!! :roll:

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