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

Interesting Default Notice Response from SCM - comments???


Please note that this topic has not had any new posts for the last 3864 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 received this letter today on behalf of my mate - the actual loan itself is from 1995 and they have no signed credit agreement.

 

However, I requested the Default Notice as a matter of course (in light of their threat of court action) and they returned this:

 

SCMResponseBlanked.jpg

 

 

Any thoughts/comments?

Link to post
Share on other sites

Hi vJ

 

You say the loan is from 1995 and they dont have the CCA do you mean

Lloyds or your mate

 

It seems a very long loan also the default notice was sent in Oct 09 they

will get someone to swear that it was sent 1st class , if they dont retain

D/N then surley they wouldnt retain undelivered mail!

 

Seems that they dont want to go to court as they have stated they are

willing to accept monthly payments to suit your mate .

 

More like they dont have the CCA and cant proceed to court without it .

 

I have first hand knowlegde of **** and they will duck & dive to suit.

 

Regards

 

Tonks:)

Link to post
Share on other sites

Hi,

 

Sorry I should have explained better. The original loan was 1995 and then chopped and changed over the years. The last agreement was completed in 2005 but no documents were signed etc. They even admitted in a letter that they do not have the signed credit agreement.

 

I was thinking the same thing about undelivered mail too... that said, I have received EVERYTHING from my mate (he is a stickler for the details) and no DN was ever sent to him.

 

Cheers Tonks!

Link to post
Share on other sites

If you read the letter carefully it doesn't actually say that the DN was actually posted.

 

If, by chance, it was posted then it wasn't sent by recorded delivery. Nor was a certificate of posting obtained.

Otherwise they would leap into action with one of these in order to prove their case.

 

If it wasn't posted then naturally the Royal Mail wouldn't have returned it undelivered.

 

They are hoping you will overlook these points.

I really do appreciate all those 'thank you' emails - I'm glad I've been able to help. Apologies if I haven't acknowledged all of them.

You can also ding my gong if you prefer. :)

Link to post
Share on other sites

It still begs the questions: where is the copy of the actual default notice? If this is all so simple, why haven't you provided it? If you know it was posted, why don't you have a copy? If it is on their systems, why is there not a copy? Are you saying they sent something, but they don't know what?

 

What a lot of blather to tell you exactly nothing!

“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

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

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...