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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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Question whilst on DMP but still claiming charges

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Started a DMP 21/2 years ago with Payplan. After about a year decided to run this myself due to offering full and finals. At the time I was with Payplan, Barclays wrote and said they would not accept the payments I was making. Soon after that the account was in dispute pending hearing on bank charges. I have religiously made payments to Barclays on my DMP for over 2 years now, upping the amount when able, even though account was in dispute.


My question is after receiving a final respone from Barclays recently saying they will not pay up, from advice received on hear I am writing to them to say that I still intend to claim back the charges and am waiting for further legal advise which If I am correct draft letters and instruction are still being looked into.


Over the past two years I have received no communiction from Barclays and no statements etc. The only way of checking if they have received my monthly payments is to go onto Experian (the amount owing is correct with payments I have made), which I cannot afford to do anymore. Should I add to my letter how disappointed I am they have sent me no statetments even after numerous requests. I did read somewhere that they are now required to send statements. Obviously I no longer use accounts but do they need to keep me informed of payments they have received and balance etc.


Also can I tell them that the account will remain in dispute or can they refuse to this. While it is in dispute they cannot take any further action. I will continue to make payments on my DMP though.


How could I word this in a letter to them and should I mention the the fact that I am still on a DMP as they have not mentioned it in 21/2 years or do I leave that off and just tell them I still intend to reclaim charges but require up to date statements. I am not sure whether it is a good idea to remind them I am on a DMP.

Sorry for long post, I am a worrier.

Thanks for your time X

Edited by tagal
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Was your debt with Barclays a loan or a bank account that they closed?

I had both with them, and for the bank account I received nothing statement wise. I had to call them to get exact figures of what I still owed them on that.


I receive a statement on the loan account once a year, but this is because it is in arrears.

Barclays will let you know as soon as possible if you've missed a payment, make no mistake there!


They also try to pretend that they are unaware that you are in a DMP. They do with me quite often despite being in it for 4 and half years!


I think that you should write to them only, they are utterly useless on the phone.

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Thak you for responding.


Yes it was a bank account, which I guess was closed 21/2 years ago. I have received no statements in all that time, but they have been taking my monthly payments from the amount owed. I was wondering if they have to send me statements as it seems unfair that I have to go onto experian etc to find my balance at a further cost to me. I will carry on paying and also carry on with my fight to reclaim charges once the information is available on what we have to do next. I guess I will send letter saying this and hope they will let me carry on paying though a DMP.

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Well that is ridiculous that you are going through experian. Don't bother with that anymore.

Unfortunately, I didn't get anything from them with regards to the bank account. It took me ages to get the correct department to speak to them also as I had lost loads of information.

As I said before, they will let you know if you've missed a payment, but I ended up getting a CCJ through that account because I didn't realise that payplan were not paying the money into the right place and I was too scared to open the letters so make sure you open your letters so you don't get in trouble like I did.

I made the last payment on that account 2 months ago, and I'm still waiting for the information that I need to satify that CCJ. It was in the post last week allegedly and still haven't got it. :rolleyes:

I can give you a direct number to call if you want so that you can find out the information on your account if you want?

They are ok to speak to suprisingly!

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