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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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Aqua CCA- pics uploaded


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Hi there,

I posted on another thread but have not had any replies and I'm getting really worried and don't know what to do :(

 

I CCA'd Lowells in Nov who were chasing me for an Aqua Card debt after I had tried and failed to come to an amicable agreement with Aqua themselves.

However it's all a bit confusing,

Lowell's claim to be chasing on behalf of their client SAV Credit LTD?

The CCA makes no mention of this 'SAV Credit LTD' but refers to Halifax being who the arrangement is with. Then on the general terms and conditions they sent (which incidentally had my new address on, not my original address) it refers to the agreement being between me and RBOS?!!

 

Anyway, the actual CCA looks ok to me, except their signature is missing (it is stamped as being received- is this classed as a signature?)

 

Just wondered if someone could clarify a few things for me:

 

1) Although it mentions a credit limit, there is none set on the agreement- is this acceptable?

 

2)Do the terms and conditions they sent accompanying the cca bearing my signature have to be the same as when I opened the account? As they are dated 2008 and have my current address on? Or does this not matter if all of the prescribed terms are in place on the document I signed?

 

I'm sorry to be a pain but I find this all so confusing and don't know what to do next :(

 

cca1.jpg

 

 

 

moz-screenshot.pngmoz-screenshot-1.png

moz-screenshot-2.pngmoz-screenshot-3.png

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So... they've added your name to a set of T&Cs that aren't even with the same bank, and are claiming they're linked to the account? Very creative.

 

Yet I can't understand why they need to do it as they appear, at first glance, to have an enforceable agreement.

“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

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I've tried to scan the other document they sent along with the above cca but for some reason it keeps cutting the top with the relevant info off it.

 

Anyway, it was just a pile of printed sheets titled 'Credit Card Agreement Regulated by the Consumer Credit Act 1074'

 

Then it listed the parties as being me (at my current address not the address I lived at when I signed the agreement) and 'Bank of Scotland plc' (instead of Halifax as shown in the cca above)

 

Despite the fact this is likely to be the current terms and conditions, does that even matter in light of the document in the picture above that they have sent me?

 

Is the rule about the Terms and Conditions only applicable when the signature is on a separate sheet to the prescribed information?

 

I just don't get it :(

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Bank of Scotland and RBOS aren't the same! HBOS = Halifax Bank of Scotland.

“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

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