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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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Direct Debit taken without permission


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I have just checked my bank details on-line and a Direct Debit which I cancelled has been taken out. I went to my local branch on the 31st March 2010 and spoke to the manager and told him that I had an going dispute with Scottish Power and I have cancelled my DD with them until my dispute is sorted out.

 

I was sent a final bill from Scottish Power and the dates did reference numbers did not tally. I was with SP and now with BG, but SP have taken money from my account without my permission, making me go way over my overdraft limit.

 

I told my bank manager not to let this DD go through and he said that it would not as my account was showing that I had canceled the DD with SP.

 

So what SP have done is created a account in my name and taken money out of my account. Is this not fraud. I even told the bank manager that SP have not got the right reference number and he assured me that the DD would not go through.

 

I am absolutely fuming and want to complain, but who do I complain to. I expect I should complain against my bank manger and SP. Any help please?

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Agree with Rebel

 

Your bank have to refund you immediately under the DD Guarantee. All you need to do is speak to your bank and they should do this. They will just return the payment to SP and put the account back to the position it was before the payment went through. So any fees or charges the bank have applied will be waived.

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rebel11 : the Banking Code died last November. It was replaced by the Lending Code which is much the same - except that breaches of it cannot be used as the basis for complaints to the FOS.

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. :)

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rebel11 : the Banking Code died last November. It was replaced by the Lending Code which is much the same - except that breaches of it cannot be used as the basis for complaints to the FOS.

 

Thanks I've deleted the link, I stand corrected.

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Thank you all for helping. I think I should complain to my bank manager as he confirmed to me that my DD had been canceled and that SP would not be able to take out any money, I also showed him that SP had made another reference number to my account which was not the same as my original one.

 

I will ask him to refund that money taken from SP back in to my account.

Edited by exclusivemember
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Datescb_arrow_up.gifTypeDescriptionPaid inPaid outBalance 11 Jan 2010INT21DEC A/C

 

- 10.64 11 Jan 2010 CHG 21DEC A/C

- 20.00 11 Feb 2010 INT 21JAN A/C

- 11.54 11 Feb 2010 CHG 21JAN A/C

- 20.00 12 Mar 2010 INT 21FEB A/C

- 11.71 12 Mar 2010 CHG 19FEB A/C

- 20.00

 

 

Is it OK for the bank to charge this much of interest and charges and charge double payments in one day?

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