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    • I'm afraid these kinds of stories are all too common with this company. The impression is that they're not too interested in installing and maintaining heating systems – but rather the finance behind it. Did you do this on some kind of finance agreement? Was it secured on your property? You seem to be doing everything on the telephone – and I think it's about time you started establishing a paper trail. You may end up having to arrange your own service with their authorised installer and if that doesn't happen then you may end up having to get in your own repair person. Of course ASG will then say that you are in breach of their warranty et cetera and that they are entitled to recover all their money back. You will have to show that you are a paper trail in them on notice and that they're not responding and then eventually you had to take matters in your own hands and organise your own repair – for which you would be going to them for reimbursement and also you would have to establish that you had no choice and they are fully liable – including the not allowed to dishonour a warranty. I'm afraid the stories we are getting about this company are dreadful and frankly very distressing
    • i don't think the matter of you were told the Decreasing Term Assurance was compulsory makes any difference, it doesn't detract from the fact the FOS appear to agree that disp does apply and you are out of time .   i don't think there is any harm going to the FOS with it..BUT although, and this twigged my memory about DISP ( which didn't exist then) but the ABI code did, and i believe that doesn't cover your situation, i'e , the fact it was made compulsory is not against any guidelines that were around at the time.   you could drill down on the ABI coding and see what it advised about lenders making DTA compulsory, but sure as eggs is eggs, by 2005, when disp had arrived..all lenders were forced or had stopped long before making any type of life cover compulsory. so they knew their mis-selling of such was on the cards   Critical illness cover (financial-ombudsman.org.uk)  
    • Or try email request.   [email protected] Request for copy of Judgment Copy Judgment [email protected] General correspondence
    • I've just tried to ring. Number 67 in the queue. I'm guessing it's better to call earlier in the day!
    • This stuff really makes me angry, the likes of Step Change masquerade as help, but in reality are locking you in to perpetual debt, that you would be far better off simply ignoring.   Stuff 'em and stop paying, it's long gone off your credit file and invisible to any mortgage lenders.
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 33 replies

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:confused:Hi All

 

Looking for some advice. I phoned Egg last June to advise that I could not repay my loan and set up a payment plan with them. I paid for one month then I stopped. I haven't communicated with them since and they have not even sent me any letters except a statement last month. I was going to CCA them but they're not chasing it. Any advice?

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i'd say check your credit files and start making payments again. if your credit files show serious negative entries on the account then i'd cca and sar them.

 

I wouldn't jump back in to making payments until you've got a better idea of what the situation is. The fact that they've not been pestering you may indicate an error or mishandling on their part, which is not exactly uncommon in big companies with several different departments.

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Hi

 

Thank you all for your replies. I've checked my credit file and it shows a default registered in July 08 but nothing since. It looks like they're still adding interest and sent me another default notice with a statement a month ago, which I've ignored as this is the only communication from them apart from phone calls to my mobile which I've also ignored.l

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if they've defaulted you i would sar them. ask for copies of everything regarding your account and specifically ask for copies of any application forms, the signed executed agreement and the agreement as varied, the t&cs applicable at the time of signing the agreement and as varied, all default notices, when they were sent, and how they were sent.

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I don't mean to be stupid but can you explain why I would do this? I assume that i'm dreaming thinking I can ignore this and it will all go away. Am I being really dumb not dealing with my debt and just waiting for it all to be statute barred? I've moved house and not told any of my creditors and there's no link to my new address.

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I don't mean to be stupid but can you explain why I would do this? I assume that i'm dreaming thinking I can ignore this and it will all go away. Am I being really dumb not dealing with my debt and just waiting for it all to be statute barred? I've moved house and not told any of my creditors and there's no link to my new address.

 

Yes you are dreaming and if they have been trying to contact you then the best way forward is to issue a S.A.R and see what they have or haven't got.

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