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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
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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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Taking Welcome To Court


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I am planning to take Welcome to court to set aside my CCJ with Welcome ASAP.

 

From following threads i feel i may have:-

 

Mis-sold PPI

Mis-sold Accident Insurance

 

Charged Intersted on both above

Charged interest on a £75 Set up fee

 

Not recieved any default notice.

 

Over £400 in unaccountable charges.

 

I have put up my CCA in another thread and was wondering if anyone can help me? I am willing to but in time effort and money to ensure that i get my CCJ set aside.

 

Thanks in advance

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What evidence do you have of the misselling?

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I beleive i was incorrectly sold PPI and insurance as i was told that i must have this to proceed with the loan.

 

I have never seen any policy and was never informed of any policiy, i also never gave them any details of my health status.

 

I maybe clutching at straws but i am hoping that i can somehow get this CCJ set aside.

 

My CCA is in the link below if this will help you, i am very new to this and have never claimed for anything before, but this forum has given me the voice to speak out.

 

http://www.consumeractiongroup.co.uk/forum/welcome-finance/246021-recieved-my-cca-see.html

 

Thank you

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*bump*

 

Any help on CCA would be gratefully appreciated

 

I have

 

* Requested CCA

* Recieved CCA

* Noticed Charges PPI and Insurance

* Got help from djwigster in draughting a letter

 

I am ready to send out the letter for the mis-sold insurance/PPI

 

Questions.

 

Do i need to put figures in or will Welcome tell me what they are refunding?

 

If agreement is wrong or feees added and included with interest, is this a different letter that i would send at the same time?

 

Thanks in advance for your expertise in this matter

Edited by ruskie
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Do i need to put figures in or will Welcome tell me what they are refunding?

 

I wouls not put figures in your first letter to them, see what they offer and then check against your figures if your not happy then its another letter with all figures on.

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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Brilliant, i will send the letter from djwigster today, thanks for your advice Ozzy much appreciated.

 

If you can give me any more pointers on some of the other points in my thread that would be great!!

 

Thanks again

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