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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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Hi

I am new to this site and I wonder if anyone has had any success in reclaiming credit card ppi from RBS Mint. I have had my card since 1999 when it was a RBS Advanta card. I stopped the ppi a few months ago when I realised that I had been paying it since I took out the card and had no idea why. As a teacher, I am pretty well covered for illness and redundancy, etc and the insurance would have been virtually useless to me. Of course RBS rejected my complaint with the usual guff about it being too long ago etc so I sent a letter to the FOS together with the last two letters from RBS. They responded about a month later in late October saying that they would be sending to RBS for the relevant information but that with a high volume of complaints they were not able to deal with my case at this time. Can anyone say how long I should wait to hear from them before contacting them again? Any information, encouragement or help would be welcome.

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Hi

I am new to this site and I wonder if anyone has had any success in reclaiming credit card ppi from RBS Mint. I have had my card since 1999 when it was a RBS Advanta card. I stopped the ppi a few months ago when I realised that I had been paying it since I took out the card and had no idea why. As a teacher, I am pretty well covered for illness and redundancy, etc and the insurance would have been virtually useless to me. Of course RBS rejected my complaint with the usual guff about it being too long ago etc so I sent a letter to the FOS together with the last two letters from RBS. They responded about a month later in late October saying that they would be sending to RBS for the relevant information but that with a high volume of complaints they were not able to deal with my case at this time. Can anyone say how long I should wait to hear from them before contacting them again? Any information, encouragement or help would be welcome.

 

I claimed against Direct Line Financial Services/RBS on loans back to 1997/1998. 7 loans. Complained to the FOS in Aug 08 settlment in Dec 08.

 

It will more than likely be months rather than weeks before the FOS Make an adjudication. The good thing is they are upholding 90% of claims in favour of the claimant.

 

You can always call the FOS to ask for an update on you complaint.

 

The FOS have taken on more staff, but the massive increase in complaints will mean you will still have to wait for quite a while.

 

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 alanalana, I will give it another month or so before calling the FOS. I am determined to go through with this one to the end. In the case of Capital One, my first cc ppi reclaim I settled for the amount they offered me as a good will gesture because I desperately needed the money at the time and I have regretted it ever since as I think I would have won through the FOS. I decided not to do that in this case and to press for RBS to pay the whole amount they owe me plus interest. However it would be nice to think that this will not take too long to resolve as the money would be more than useful.

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Thanks alanalana, I will give it another month or so before calling the FOS. I am determined to go through with this one to the end. In the case of Capital One, my first cc ppi reclaim I settled for the amount they offered me as a good will gesture because I desperately needed the money at the time and I have regretted it ever since as I think I would have won through the FOS. I decided not to do that in this case and to press for RBS to pay the whole amount they owe me plus interest. However it would be nice to think that this will not take too long to resolve as the money would be more than useful.

 

Please have a look through my long fight with RBS.

 

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

 

If there is anything in here you can use, letters etc please feel free but please ensure you change the details to suit your own claim ;)

 

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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  • 1 month later...

Will do Gamba. I e-mailed the FOS for further information and they sent me a reply that I paraphrased in another thread a short while ago to the effect that RBS had raised a question of jurisdiction and that this would be looked into by the FOS. They then sent me a letter saying again that they had a lot of cases to look into so could not pass on my case to an adjudicator at this time but would contact me again certainly within the next 2 months. This was nearly a month ago so am still waiting. Good luck with your cases.

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sorry i haven't used this site since i claimed back my bank charges a couple of years ago and i dont seem to be able to start a thread.so i've dived in hear .sooo sorry. i want to claim back my ppi but i havent got the original agreements do i just ring up and ask for them or will i have to write to them also will they be funny about it ,i still have accounts with most of the banks i'll be claiming off .i pretty much know the exact dates i held all the accounts as i have sent for my credit reports off experian and equifax.again sorry for jumping in here!:???::???::???:

:D
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Hi Mo2lly

 

I think I replied to your other thread as RBS raised a jurisdiction issue with my complaint as well.

 

I emailed FOS as I hadnt heard anything from them and they said that they had written to RBS not agreeing with the jurisdiction issue (being that it was over 6 years ago) on the 15 December and RBS had not replied - therefore they would be going ahead with the adjudication process.

 

I was pretty sure that the jurisdiction issue would not be a problem as I have successfully won (through the FOS) refunds on 2 Lombard Loans (owned by RBS) going back to the mid 1990's.

 

It seems that RBS and all the others are just deploying delaying tactics - they know that they will lose but just want to string it along for a while to make it as hard as possible for the complainant.

 

It my case RBS replied to my first letter to them stating that I had never had ppi on my cc account and therefore no refund was due. When I supplied all the statements (I keep almost everything luckily) they then said that I couldnt claim it back because it was over 6 years ago and that the FOS wouldnt take the complaint on because of this. Not the case, FOS were more than happy to take it on. So dont believe a word they say - if they can make one person back down and abandon their claim because of their lies they will.

 

There doesnt seem to be any time scales that you can put on complaints being dealt with by the FOS - I have several complaint in at the moment, about 3 of which were submitted to the FOS in August - they have upheld 2 (1 refund received, 1 upheld but not received refund yet) and the other is still to be dealt with.

 

I hope you get some answers soon - keep emailing the FOS, and remember patience is a virtue (not that we have any other choice!!!)

 

Good luck and I hope this has been a little bit of help to you.

GE MONEY - DEBENHAMS CARD

Settled in full after prelim :)

 

MBNA

Settled after LBA

however mistake made by me on contractual interest so going after the rest now

SETTLED IN FULL JAN 2007:)

 

MINT

Offer after prelim rejected

Settled in full after LBA:)

 

to go:

Barclays Bus Ac - to mcol

Barclays CC - to mcol

Nat West (over 6 years) no action taken yet

Creation Financial - awaiting statements since Dec

Goldfish - offer after prelim rejected

and some more

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mongbiff

 

Sorry I wasnt ignoring you, but you would be far better to start your own thread, as your post will probably get lost in someone elses and not answered as effectively as if you have your own thread.

GE MONEY - DEBENHAMS CARD

Settled in full after prelim :)

 

MBNA

Settled after LBA

however mistake made by me on contractual interest so going after the rest now

SETTLED IN FULL JAN 2007:)

 

MINT

Offer after prelim rejected

Settled in full after LBA:)

 

to go:

Barclays Bus Ac - to mcol

Barclays CC - to mcol

Nat West (over 6 years) no action taken yet

Creation Financial - awaiting statements since Dec

Goldfish - offer after prelim rejected

and some more

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Thanks Tink for the information about your own experience with the FOS on this. It is encouraging to hear that they have rejected RBS on the jurisdiction issue as this should be the case with my own complaint which also dates back to 1999. I have no intention of giving in on this easily as I feel I already missed the boat once before when I accepted an offer from Capital One a few months ago for a goodwill payment (I was desperate for the money at the time) and so I determined to push this one to the end. Hope you hear good news about your outstanding case with RBS soon.

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I second that. I have not heard of anyone who has been successful against RBS on credit cards. I asked them why they are paying out on loans that date back to the 1990s and they said because any discussion on PPI was effectively a one off in the case of loans whereas with CCs there are monthly statements issued that show the PPI amount.

 

That is their defence I think (along with timescales).

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