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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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o2 default that i knew nothing about


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hi

 

After trying to apply for a mortgage on 24th may, found out had an old O2 default on my report this was from 16/9/04 after speak with o2 my curent balance is £0 but report is £391.

 

I have informed O2 that this contract was taken out in Scotland so is subject to scottish law and under the prescription and limitations (scotland ) act 1973 should be removed after 5 years, but o2 now keep quoting that they have loaded in onto credit report as per Data Protection Act & information commissioners. Can anyone please advise as to how i can get this default off asap. or am i stuck with it until 16/9/2010 when the In principle, a debt cannot be enforced after 6 years from the date upon which it became due.

The 6 years runs from the last time that the debt was acknowledged in any way or from the last time that a payment was made towards the debt.

Once a debt has lapsed, it cannot be revived - even through a subsequent acknowledgement or payment.

The relevant law is contained within the Limitation Act 1980.

 

 

I have looked into your query and we are unable to remove the entry you refer to from your credit file, as this shows an accurate record of your payment history.

 

Your invoices for Invoices 14 July 2004, 26 August 2004, 14 September 2004 and 16 September 2004 were not fully paid within 14 days. We sent reminders on 2 and 10 November 2004. O2 is not responsible for the receipt of correspondence.

 

O2 are legally bound to load an accurate record of the payment history of an account and if a bill is not fully paid with the 14 day terms of the contract, late payments will load automatically, leading to a default after six months. These details remain on the credit file for six years from the date of the settlement or default -whichever occurs earlier. I understand that you dispute this because you refer to Scottish laws however, as you’ve previously been advised, we load information as per the requirements of the Data Protection Act and Information Commissioner.

 

Can anyone advise from the above if the default date should then have been 14th july 2004 and not 26/3/2005 as O2 have it at.

 

Just ben informed by O2 they had sold the bedt onto a 3rd party but since 2004/2005 i have never been contacted by O2 or any 3rd party requesting any payment.

 

what can i do

Just found out that this was sold onto Robinson Way some time in 2006 and that in 12th Dec 2006 they lettered me about this but the letter was returned as i had moved in Aug 2006. been upto date sine 2006 is there anything that can been done. Its O2 and not \robinson way that have the default on my credit report so O2 have known all along about my new address.

 

Cheers Stu

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  • 4 weeks later...

can anyone advide on the below from o2 stating in 2004 it was legal to add default after 9 months and not limited to 6 months

 

We load defaults after 6 consecutive months of non payment.

 

The default has been loaded after the 6th month (so in affect the start of the 7th month). The default date shown on your credit filelink3.gif is correct, and as such I am unable to make any amendmentlink3.gif. Legally speaking in 2004 we were entitled to load a default up to 9 months after termination of the account.

As I stated though during that period (up until 2006) we loaded default up to 9 months after the account terminated – hence the March default date.

 

You are correct applying the logic that if we loaded after 6 months then it would be January. But the loading after 6 months started in 2006 (from what memory serves). As the default was loaded in 2004 we were allowed to use the 9 month period; as such the credit file loading is correct.

 

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