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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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Not really relating to charges but I would appreciate any comments on my recent experience with FD. Quite a long story but I'll try and be brief...


My wife and I have had a joint account with FD for a no of years. A couple of years ago, they persuaded me to move my credit card to them (in my name only).


In that time, our account (and my cc) has always been run well within limits. Last May I was made redundantlink8.gif and due to the change in personal situation started to rely more heavily on the credit card but, with some careful juggling all our obligations (including making the cc payments and keeping within our agreed overdraft) were met.


In November, i unfortunately missed the cc payment in juggling the other outgoing and subsequently received a default notice which stated that if paid by x date, no further action would be necessary. This I duly did, taking the card just under limit).


On 1st December, i received a statement whereupon the months interest had taken me overlimit but stating that payment was due by the 27th December - my normal payment date.


On our around 21st December my wife went to use the debit card on joint ac and it was declined. She phoned FD and they advised her that she needed to speak with me as due to my actions regarding my cc, they had decided to 'terminate our banking relationship'.


I then phone FD and they advised that my cc was in default by being overlimit (caused by their interest charges being applied only), that they had advised this with a default notice (they didn't - being that i was out of work I checked ALL post daily) and that they had tried to phone me three hours earlier to prevent this but as I had not answered the phone (I had not been home) then they were terminating our relationship and I must now pay the full balance of my cc and any overdraft within 14 days.


After negotiation over the next few days, we agreed to the balance of my cc being consolodated with the overdraft and a payment plan going forward (which they were VERY reticent to do). They subsequently went to transfer funds from the joint ac to the cc to clear it but THEY in error sent the payment to an old account (closed) that I used to have with Citi and they now expected me to locate these funds and arrange their return.


To complicate matters Citi sent a cheque to me (as the ac was long since closed) to an old address. It seems the new resident, not knowing who I was, simply destroyed the letter (including the cheque) so this is not recoverable.


I have now written to Citi to ask that they either send me a cheque to my current address or better return the funds to FD but whilst this is going on, FD continue to default my accounts each month and apply interest on the cc despite the previously negotiated rate after consolodation.


Any thoughts ? Can FD simply terminate ten yrs banking at 3 hours notice (based on an interest debit they applied) ? Why am I continually being penalised after they made a mistake and sent funds to an incorrect ac when they could resolve this by recrediting my ac from their own funds until they got the funds back from Citi ???



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  • 3 weeks later...

Hi Glepa,


As the main errors in this sorry saga were caused by FD, I suggest you write a formal complaint to their Head Office, briefly setting out the facts as you have done in your post above.


Point out that you should not have to chase Citi to correct FD's error. FD should do this.


Tell FD that you believe they were wrong to terminate your banking facilities with virtually no notice and they appear to ignored FSA guidelines concerning this.


Tell them you want HO to intervene and sort this out. Give them 7 days to acknowledge your complaint and 14 days to resolve it.


Send your letter by Recorded Delivery.


If you have any penalty charges on the CCard a/c in the last 6 years (or longer if you have older statements) you can reclaim such charges in full.

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