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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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Stupid Welcome Customer


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I'm sorry emanevs, I may sound like an idiot but I don't know how this helps my case.

 

We signed the contract in Welcome's branch office and, as far as I can see, this doesn't help as its Distance Marketing Regulations.

 

Please help!

 

Lawrence

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Dont worry, you are no idiot, the welscum are!!!

 

just trying to build up as much of a case for you as possible. This is just one part.

 

When you went in to sign for the loan did you have the agreement seven days prior? (see your contract - your rights). Could they prove it as well?

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Cooling off and your right to cancel

 

You will benefit from a cooling off period if the credit agreement was made in one of the following ways:

  1. For agreements signed away from the creditor’s normal business premises – i.e. at your home, place of work or at an exhibition stand
  2. For agreements made at a distance (this also includes banking, insurance, pensions and investments)
  3. For financial products and services marketed by an intermediary or broker (even where this is face to face)

For agreements which fall under (1), you will have a cooling off period of 5 days, which begins from the time you receive the second copy of the agreement (containing the cancellation form). For contracts which fall under (2) and (3), you benefit from a 14 day cooling off period (30 days for life insurance and personal pensions). Unlike the cooling off period for goods bought under the Distance Selling Regulations (DSRs), the creditor may make a reasonable charge for any service (such as insurance cover) which was operating during this time.

 

There are specific guidelines on how you should cancel the contract, which must be notified to you by the creditor before or immediately after the contract is made. If the creditor does not make this information available to you, then your cooling off period will not begin until this happens.

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Just read this on the net looking for MIF. Its for a MIG (same i think)

Quote:

 

MIG: Mortgage Indemnity Guarantee. If you borrow more than 75% of the value of your house, you'll probably get stung with one of these. It insures the lender against you being unable to pay. Even though it's you that pays this premium, it still won't stop you ending up at the Salvation Army soup kitchen.

 

My own property was at 36000 when i bought it. At time of loan 1 year later the house next door sold for 72000! And they still hit me with this...

I feel they are on thin ice with making this one stick with me or a court for that matter...

 

Yahoo! UK and Ireland - Finance - Glossary

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We signed the forms on the 18th and they gave us the cheque after seven days. Knowing Welcome's storage procedures (microfiche, of which our contract looks to have been sourced from) I am not sure they can prove it.

 

We do not remember being told of any guidelines regarding cancellation.

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Yeah been keeping up with this site and the regular financial news.

 

Cattles are losing £1m A DAY through welcome and WFS has £2.7bn in 'toxic' debt!

 

They wanted to wind down the company, collecting what they can from the loanbook within 2 - 3 years.

 

If it doesn't close tomorrow, then I give them 3 months.

 

Happy Days:D:D

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  • 1 month later...

Hi Guys,

 

I could use some help on this since we received this letter today:

 

 

Obviously I am not happy with this decision and am starting a full complaint with the FOS and any other body that will help.

 

Can someone give me some advice on what they have ignored this time to reject my complaint?

 

Many thanks in advance

 

Lawrence

Decision - 05.03.2010.pdf

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Lawrence, this is a standard letter ping pong with welcome. I have read the letter but cannot check all the details as I am at work. dont give up and let Post have a read of it before you do anything as i think he will love to reply to this. I will help in more detail as soon as I can.

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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Thanks Ozzy,

 

I will wait for Post and a more detailed reply from you when you get out of work ( as well as anyone else who wants to comment, with practical or moral help).

 

Cheers

 

Lawrence

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Sorry i cant help with writing welcome a letter but i can point you in direction of complaining to fos if thats any help

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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bottom line is that this agreement is clearly automatically unenforceable.

 

303 @ 168 = 50904 (TAP)

total charge for credit = 30,257.90

apr = 16.8% (AND NOT 16.50% AS SHOWN ON YOUR AGREMEENT)

 

See schedule 6, prescribed term - rate of interest.

 

ENJOY!

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i would go an see a solictor, pay him 100 quid to confirm what you already know, and get him to make an application to the court.

 

well worth it i think

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Lawrence lets check this contract.

 

Your loan is £20,411.10 over 168 months at 17.10% APR

thats a monthly repayment of £303.58

interest £30,590.54

total payable £51,001.64

 

you have no insurances.

 

Add £51,001.64 to the acceptance fee of 235 giving figure of £51,236.64

divide by 168 to give a monthly figure of 304.98 were welcome say 303.00 doesnt sound a lot but you will have shortfall at the end of 332.64 .

 

the contract is incorrect.

 

OZZY, PLEASE WOULD YOU EXPLAIN WHY ITS INCORRECT, INCLUDING LEGISLATION?

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