Jump to content
  • Tweets

  • Posts

  • Our picks

    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
      • 49 replies
    • 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.
       
        • Thanks
      • 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!
        • Thanks
        • Like

Best way to contact OC or DCA?


Please note that this topic has not had any new posts for the last 3906 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

I have been trying to find the best way to contact DCAs. I can't phone them and even if i could i don't think it wold be a very good idea as the one i was able to phone, in relation to a debt that was nothing to do with me seemed unable to tell the truth.

 

Sending 100s of letters works out expensive, and they don't seem to read them, a fax would give them your phone number.

 

I have started using e-mail. I know it gets through because if it did not it would come back as undeliverable but so far only lowell have sent any kind of aknowledgment.

 

Short of a megaphone to the ear what would be the best way to comunicate with a DCA?

Link to post
Share on other sites

We have always advised (and still do) to communicate in writing keeping copies and sending with proof of posting.

The benefits are that you have a record that you can use if needed later.

DCAs are often reluctant to respond to emails,since they know it gives you proof of communications.(Or more to the point you will find that they are unlikely to write the same things they would say in a phone call)

They of course favour phone contact,since unless the conversation is recorded,there are no records of what is being said.

They are trained to take the upper hand on the telephone,and can be extremely intimidating.

Under their codes of practice which includes for many the CSA,they have a duty to deal fairly and professionally and have a responsibility to answer your letters.

You have a right to seek that communications are kept in writing.

When writing to them,always ask them to forward you a copy of their complaints procedure-this is your right.

If they do not follow or comply with anything there,then you have recourse to report them to your Trading Standards.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

Link to post
Share on other sites

Slightly off track here, but my preferred method of communication would always be seance, closely followed by table tapping and then finally we have the good old fashioned, conversing with "strange voices in a darkened room"

 

Although inadmissable in court and the results can be a little off the wall, at least I could be sure that the "people" I was talking to were in the right place :p

Hope this helps

 

 

If you feel that this site has helped you in any way please leave a donation if you can afford to do so.

 

If you feel that have been helpful please feel free to tip the scales.

 

 

The large print giveth, but the small print taketh away. ~Tom Waits, Small Change

 

 

Please note: i am not a qualified lawyer, any advice is offered in good faith and is based on my own and others experiences and a penchant for research and a desire to help others to empower themselves

 

Link to post
Share on other sites
Slightly off track here, but my preferred method of communication would always be seance, closely followed by table tapping and then finally we have the good old fashioned, conversing with "strange voices in a darkened room"

 

Although inadmissable in court and the results can be a little off the wall, at least I could be sure that the "people" I was talking to were in the right place :p

 

Hiya Spamhead,

 

Love the sense of humour:lol: Have you just got out of the pub.:grin:

 

Although I may try it, I do think Martin is spot on.

 

Papertrail and breach of the FSA complaint handling guidance if they don't respond.:grin:

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

Link to post
Share on other sites
Slightly off track here, but my preferred method of communication would always be seance, closely followed by table tapping and then finally we have the good old fashioned, conversing with "strange voices in a darkened room"

 

Although inadmissable in court and the results can be a little off the wall, at least I could be sure that the "people" I was talking to were in the right place :p

 

Only if there's a whiff of burning in the air :wink:

[sIGPIC][/sIGPIC] I asked them to wait whilst I got my Bank card :violin:

------------------------------------------------------------------------------------------

 

Information that may help if a CCA request is refused due to the lack of a signature . . http://www.consumeractiongroup.co.uk/forum/showthread.php?248863-Signature-demands-fight-back-possible-!&highlight=

Link to post
Share on other sites

Trouble is with sending them letters all the time it is costing me more in mailing costs than I am paying to my creditors. if only they would let me be I could pay them more........ whoops slip of the pen I mean i could spend more on important things like food and drink ;)

Link to post
Share on other sites

You shouldnt have to send them all the time.

If its worded right-one should do the job.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

Link to post
Share on other sites

trouble is they don't or can't seem to read I feel i have to answer all their letters, i started sending the letters by both e-mail and royal mail, but the last couple have only gone by e-mail. do you think it would be best if i sent them hard copies aswell? Or perhaps collect them up and send one answer to say five letters, after all mostr of them are the same old crap :)

Link to post
Share on other sites
You shouldnt have to send them all the time.

If its worded right-one should do the job.

 

After that, just state; my position remains the same as laid out within my letter to your dated XXX!

Link to post
Share on other sites
After that, just state; my position remains the same as laid out within my letter to your dated XXX!

 

I think i get your drift, something along the lines of:

 

In answer to your letter of blah blah I refer you to my letters of blah blah, blah blah, blah blah, blah blah, blah blah, blah blah, blah blah, blah blah, blah blah, blah blah and blah blah. I regret I am still unable to phone you and there have been no discernible improvements in my position.

 

And maybe add something along the lines of in furure I will be deducting the cost of postage from my payments to you?

Link to post
Share on other sites
  • 3 weeks later...
After that, just state; my position remains the same as laid out within my letter to your dated XXX!

Greta idea angry cat! I used to make the mistake of spending a fortune on answering every bit of drivel sent to me!:rolleyes:Playing a games of letter ping pong with every DCA and writing mini books to them!:eek: but now realise like martin says one or two letters at most should do the trick and recorded is sufficint as i used to spend over £4 a time on special which was getting ridiculous! :eek:

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...