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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.
       
      • 3 replies
    • 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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Stupid Welcome Customer


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just to be clear, i have no objection to the points Mark made, and i do not agree with most of what major player said, but i do not agree with the way he was turned on. i think its wrong. thats all.

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I accept your point fully.

However, it must be remembered that these are peoples lives that he is giving advice on and advice whilst welcomed, must also be given most carefully and not with abandon.

Mark, i feel, was understandably annoyed with this and lets face it, debt is an amotive issue and if he feels any mailice towards any past emplyees of wlescum then i for one wont lose any sleep over that. Major player, whilst purporting to be of sound advice, it must be remembered, also, 7 years ago used his/hers judgement back then in choosing to work for this ****..... need i elaborate?

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On that Note Gram we will agree to disagree on the personnel side of it, as we are all entitled to our opinion and everyones opinion should be respected. I guess it comes to individual personalities on what offends differant people from differant upbringings etc. Also not defending anyone but somtimes it is hard to judge somones intentions when reading text as in real life you use your social skills by listening to tone of voice and body language which is a luxury we do not have online.

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I am a consumer helping other consumers. Together we can and will make a differance. Please double check any information or advise I may give as I like yourself am learning as I go along in life.

1) give a small donation to this site to keep it going because without this forum I would know nothing.

2) Use your experience to help somone else on another thread.

 

Please do not PM me, my mail address is my username at this site address . I will not under any circumstances give out advise or help through mail, only on the open forum, however feel free to mail me to point me towards your thread and general talk etc.

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somtimes it is hard to judge somones intentions when reading text as in real life you use your social skills by listening to tone of voice and body language which is a luxury we do not have online.

 

i agree with that 100%, and all the more reason why people should be a bit more careful in how they post.

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hi all please be gentle on here as i am new to all this

 

i just found out that welcome finance put a default on my file for £6k for a car that i had off them

 

yes i had the car then it broke down a couple of weeks later then it was classed un repairable so the agreement was terminated and then i chose another car from same garage with a new aggreement. funny tho as 2 weeks later the gear box broke and the garage were not helpful in getting the car repaired. so i took car back to welcome and told them where to stick it. i parked car in there car park entrance and put keys in letter box. lol they had trouble getting in and had to get it towed so they could get in :lol:. anyway they said that they had repaired and resold the car and now asking for the £6k plus £2k for loss of resale i have not heard from them in anyway about this i thought coz i returned car they would terminate agreement. oh i was wrong they want £8k coz i voluntarily terminated the agreement

 

can any help can i get this default removed

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hi all please be gentle on here as i am new to all this

 

i just found out that welcome finance put a default on my file for £6k for a car that i had off them

 

yes i had the car then it broke down a couple of weeks later then it was classed un repairable so the agreement was terminated and then i chose another car from same garage with a new aggreement. funny tho as 2 weeks later the gear box broke and the garage were not helpful in getting the car repaired. so i took car back to welcome and told them where to stick it. i parked car in there car park entrance and put keys in letter box. lol they had trouble getting in and had to get it towed so they could get in :lol:. anyway they said that they had repaired and resold the car and now asking for the £6k plus £2k for loss of resale i have not heard from them in anyway about this i thought coz i returned car they would terminate agreement. oh i was wrong they want £8k coz i voluntarily terminated the agreement

 

can any help can i get this default removed

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Simple address to all, appreciate defence and attack of my previous posts, wanted to say that there are no grudges harboured at all - life is too short and to be honest have and will probably, like everyone faced worse in my life and....

 

Reading my posts back I think in particular my response to stepwayne was the turning point, I reacted badly, took it too personally because I didn't like my intentions being questioned but in reality why shouldn't people be suspicious of a new cagger coming in and appearing to try and say that they know it all? My posts were written with the best intentions but admittedly come across as smart a**ed which was not correct.

 

I think the problem is that the written word can be interpreted differently than it is intended to be by the writer. For the record, my response was purely aimed at stepwayne and I don't think that everone on here is niave etc, in fact don't even think that stepwayne is either.

 

The biggest thing is that I have learned to look at things from the consumer, and perhaps use a different approach when responding to posts in giving advice, really wasn't intending to cause offence and my background certainly won't endear me to many but as a few posters have said, as much info as possible is useful, it is up to individuals what they do with it. I know debt can be an emotive subject, especially if someone is having the screws tightened.

 

Maybe people have a point on my career choices too, I chose to leave the particular "Profession" due to the focus from the company and their increased desperation to get results and screw the customer - something most people in collections forget is that without customers they would have no job - I appreciate the reaction to month end crazyness and why that would have scarred so many - it was a disgrace. For information by the way, it was policy to only leave 2 messages per day due to the administration of justice act, at month end some ****** collectors used their own mobile to call customers so as to not get caught out and hammer people into making a payment.

 

I now do much more rewarding and work in a much more customer focus based environment, the other side of the fence so to speak. I have knowledge of what companies like Welcome do and should make it clear when I post what the likely response is likely to be from their point of view which is not my point of view.

 

I've gone on long enough now, needless to say, if I've cause offence then apologies, to those who stuck up for me thanks, to those who attacked me thanks too, you have made me realsie that as a new cagger I have a lot of work to do, I will keep trying and if you feel I step out of line, let me know - I want to help people get the right result for them.

Edited by Major Player
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Colin a huge welcome to the foru and 1st thing to learn is that you are half way there by finding us on here lol. We are a happy lil family regardless of the above posts haha. . .

 

Ok back to your issues, if possible can you make your own thread so you may use it as a diary and we can keep a track of your progress. you can do this by clicking here

Edited by ozzywizard
terrible spelling lol

I am a consumer helping other consumers. Together we can and will make a differance. Please double check any information or advise I may give as I like yourself am learning as I go along in life.

1) give a small donation to this site to keep it going because without this forum I would know nothing.

2) Use your experience to help somone else on another thread.

 

Please do not PM me, my mail address is my username at this site address . I will not under any circumstances give out advise or help through mail, only on the open forum, however feel free to mail me to point me towards your thread and general talk etc.

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MajorPlayer, your posts are respectfull and for that I say thanks for making an effort with us all to help, there is no denying that your knowledge would be more than usefull around here and I ask that you do stay and check on us when you have the time and if you can offer any advise please feel free too. I know it can be hard to be stereotyped as I was wehn I first joined this forum in 2006 and worked in the prepayment section of Powergen, also worked for British gas and now British telecom, so in the past have had consumers who have had issues with these companies be cautious of me. anyways moving forward tell us everything you know on the MIF. hahaha . . cheers.

I am a consumer helping other consumers. Together we can and will make a differance. Please double check any information or advise I may give as I like yourself am learning as I go along in life.

1) give a small donation to this site to keep it going because without this forum I would know nothing.

2) Use your experience to help somone else on another thread.

 

Please do not PM me, my mail address is my username at this site address . I will not under any circumstances give out advise or help through mail, only on the open forum, however feel free to mail me to point me towards your thread and general talk etc.

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So I Don`t Get A Say Now Then? I Was Coming Here to Eat Humble Pie Tonight. After Seeing All Of This I Am Quite Appalled I Have Caused Such A Commotion. I Must Thank Everybody Who Has Seen Fit to Comment. I Am Glad That Feelings Here Run So High On The Welscum Forum. I Know That In A Tight Spot, I Can Count On You All!!!:rolleyes:

 

As For Personal attacks Gram1, Read What you Have Said about ME!!! Thank You!!!:mad: If I Choose to Embelish My Posts With Capital Letters And Smiley Faces, Then I Will!!! this Is Obviously A Trait Of Mine That Has Bothered You For Sometime. I Wil Try To Kick The Habit If It Helps!!!:o Thank God An Excuse Came Along for You to Vent your Frustration!!!;)

 

Dawn I Agree That Two Heads Are Better, And Looking at things From another Direction Can Be Helpful. To Start Posting What Appeared to Me To Be Spurious Advice " Out Of The Blue " Worried Me. Wouldn`t Some Sort Of Introduction Have Meant Something? Most People Who Post For the First Time Have A Problem With WFS And Are In Need Of Help. They Do Not Strike with the Speed Of A Rattle Snake.

 

Anyone with The Idea Of Self Importance Shown By " Major Player " In My Opinion Means He Will find It Difficult to Get Another Job. And Don`t Expect Me To Cry Any Tears. The Collections And Litigation People I`ve Met Do Not Deserve Any. Just Reading A Few Of the Other Threads Would Give A Clue To The Strength Of Feeling Here When Considering WFS. To Infer In The Way HE Did That No One On CAG Could Possibly Know, Better Than Him The Tricks That WFS Use Is In My Opinion Condescending.

 

Would " Major Player " Have Been Visiting CAG If He Still Had A Job With WFS? I Doubt It. The Only Reason Then, If He Dosen`t Work For Them, Again In My Opinion would Be To Get Back At His Former Employers. Unless Of Course He Had An Epiphany Moment. Which After 18 Years Employed In Collections And Litigation Seems To Be A Little Questionable. It took 7 Years To Realise What A Bunch Of Cowboys He worked For. In Those 7 Years, I don`t Know Who He worked For Before, How Many People In Difficulty Has He Shown This Level Of Understanding And Helpfulness Toward? None Except " Major Player " Himself Knows.

 

He Could Even Be My Account Manager? For All You Know He Could Be Yours. would It Have Been right to Let The Advice Being Dispensed As The " Gospel According To Major Player " Go Unquestioned? I Could Not Have Let That Go Personally, But Don`t Worry, I`ve Got Your Backs.

 

Any Way This Is Some Ones Thread. Apologies Lawrence!!!:cool: The Chance To Answer Is Upon You " Major Player ". If I Owe You An Apology, Convince Me Some How? If You Wish To Reply Please Start Another Thread. I Will Find It. Just Remember CAGBOT!!!:eek:

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Right Then I`m Convinced!!!:( If I`m Allowed I would Like To apologise To You Major Player???:) Or Is It Colin Now???:-)

 

I spent 24 Years Fighting If that Excuses Anything!!!:cool:

 

Cheers, MARK

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Mark, no apology needed, you have a right to your views and always ask for a response proving that you are willing to give people a chance. I'll keep trying to help as best I can but with some valuable lessons learned. I think that your previous career is an asset, sure you'll be familiar with the phrase "The Team Works" I will try to keep perspective and advise rather than instruct.

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I spent 24 Years Fighting

 

Haha I once knew a guy from Plymouth and he said the same thing :eek:

I am a consumer helping other consumers. Together we can and will make a differance. Please double check any information or advise I may give as I like yourself am learning as I go along in life.

1) give a small donation to this site to keep it going because without this forum I would know nothing.

2) Use your experience to help somone else on another thread.

 

Please do not PM me, my mail address is my username at this site address . I will not under any circumstances give out advise or help through mail, only on the open forum, however feel free to mail me to point me towards your thread and general talk etc.

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Major Player, to reiterate my previous question what is your knowledge on the validity of a charge of mortgage indemnity fee being on a secured loan below 25k ? do you have any information on the legality of this ?

 

If you want to discuss further with us please carry on the topic on this thread so Lawrence (whose thread this is) doesnt have heart attack on his return thinking all this is about him haha. . .

 

As you can see on this thread we had a welcome employee that was helpfull but run off when MIF was mentioned lolll.. . .

I am a consumer helping other consumers. Together we can and will make a differance. Please double check any information or advise I may give as I like yourself am learning as I go along in life.

1) give a small donation to this site to keep it going because without this forum I would know nothing.

2) Use your experience to help somone else on another thread.

 

Please do not PM me, my mail address is my username at this site address . I will not under any circumstances give out advise or help through mail, only on the open forum, however feel free to mail me to point me towards your thread and general talk etc.

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Mark, no apology needed, you have a right to your views and always ask for a response proving that you are willing to give people a chance. I'll keep trying to help as best I can but with some valuable lessons learned. I think that your previous career is an asset, sure you'll be familiar with the phrase "The Team Works" I will try to keep perspective and advise rather than instruct.

 

Thank you Major Player. Very Magnanimous. The Team does Indeed Work. I don`t Know enough To Give Any Sort Of Advice, But Being Part Of " The CAG Team " ( I Hope) We will all be OK In the end. Your participation is very much looked forward to by me.

 

Just a quick one for Ozz. Twice as bad M8. I`m A Yorkshire Man who settled in Plymouth through being in the Royal Navy. I wasn`t always fighting. Most of the time I was too drunk lol.

 

see I`m even trying to keep Gram1 happy, Imight have to work a little harder there?

 

Cheers and GOOD LUCK, MARK

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i see you are on line major player

 

being in collections etc

 

what can you tell me on mortage indemnity fee being included on secured loans below 25 k

 

when ever i ask this question, people from welcome clam up

 

care to elaborate to get my respect

 

again

 

no offence intended

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