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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.
       
      • 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!
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wycombe V Restons (MBNA)


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I must concur with DD, this is the way to settle it FG. Settlement is between the Claimant and Defendent the Court simply hands down the judgment.

 

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  • 4 weeks later...
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Please can anyone help? I can't see how to post a new thread as I am a new member. I have today received an Interim charging order from Restons regarding a credit card debt from MBNA of my husbands. this is the first I knew about him even having a credit card let alone racking up a £6k debt. I have no idea what all this means and if there is anything i can do about it. My husband has been made redundant twice in the last 2 years and we are struggling financially as it is. Having spoken to him it seems he wrote to MBNA early 2010 asking for a copy of his cca agreement and enclosed a £1 fee and despite several more requests he has never had any acknowledge from them and not received the agreement as requested. Since then he has just hid his head in the sand, hoping I'd never found out- until today. What can I do and how can they turn an unsecured debt of my husbands into a secured debt in both our names. I have until 31st Jan before it goes to Norwich County Court

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Hi lfc,

 

Nearly at the top of the page, you will see an icon 'Legal Issues' in the middle, click on that and then scroll down a little and on the left had side you will see the blue icon to start a new thread

 

hth

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  • 2 months later...

Apologies to all who have sent PM's etc to me. I have been off line for some time not being able to pay for my broadband connection due to an embarrassingly low level of funds.

 

I have been maintaining my payments due to my creditors including Restons who within a very short space of time were trying to come to a settlement. As I have no spare funds at present I have simply ignored them.

 

I did have a few heart stopping moments after the judgement when the court clerk dropped a clanger and sent both me and Reston's a letter stating the judgement was for £100 a month instead of the £10. Immediately I contacted the court and requested them to correct their error. I received a corrected letter but I'm not sure Reston's did as I received several very threatening missives from them. To give them their due they did apologise profusely when I pointed out to them the settlement was for £10 per month ands asked them to double check with the County Court before they jumped up and down any further with their threats!

 

I am hoping to cobble together some cash from my sons and a possible lucrative work offer that I will know more about in June/July and then approach Reston's for a 'full and final'. If that comes to pass I will no doubt be here again for some sage advice.

 

Thanks again to everyone. In the next few days I will try and catch up with the PM's etc.

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Going through the same stuff with optima, always wonder when it will end ,as they have their ccj and restriction but now they want another i&e etc etc but hopefully some of the guys will help me soon? just want a nights sleep lol...

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  • 2 months later...

I could really use some help on charging orders as I have a defense to file thats coming in any day and having trouble gettting some interest on my thread, I have read this thread and its been very useful to my circumstances but can I ask if anyone could take a look at my thread and offer some advice on defense pse . Re: Imminent Charge on property Lloyds bank Business Loan pse help someone...

muffintop

Won Nationwide £900 and £1908 Bank Charges

Lloyds personal account 1,861

Lloyds Bus Account 2k

Abbey bank acc. Stayed 2008

 

CCA requested Barclaycard Nov 08 - n1 issued - GAVE UP

CCA Mbna Nov 08- n1 issued - GAVE UP

Marks and Spencer Money Nov 08 -lost found 2b enforceable.

Tomson Holiday - WON

 

if I help you tip my little scales it gives me a thrill. MT

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