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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
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    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
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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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  • 1 month later...

Hi All


Quick update. I recieved a letter 5 days before my loan was due to be repaid from a company called gothia they said my loan was over due and i needed to repay imediatly or face court action / balifis or repay at least £25 per month over 40 months. The total i am no being forced to pay is now in the total of £1000 for a £300 loan. They wont let me pay it off any earlier as they say the minimum is 40 months. Its funny how they cancelled my direct debit a few days before i got the letter. GGGRRR wot to do

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They CANNOT add the charges they claim, as said, if this went to court you can clearly prove that you tried to get an arrangement in place and they did everything they could to gain more money from you.


I would now try and get your local MP involved or the Economic Crime Unit or whatever it is called in your area (might even be Money Lending Unit), they can get this investigated and suggest how to deal with the extortionate £700 extra they are trying to claim.

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Hi All :oops:


I was googling payday loan companies and i came across these people ...removed... i completed there application without properly understanding and aggreeing to their terms, i recieved a txt saying to proceed txt yes to blah blah number, so i did i got a txt back saying my money will be put in account in 1-2 days. I didnt even realise what i was doing. Now i have untill 13-08-10 to pay back £513 for a loan of £300. They have my work email,mobile phone number, address & bank details. I can not pay this back and ia m worried what is going to happen to me. I have emailed them and they have not responded. Can they send in balifis ? make me bankrupt i really dont know and i dont want to get in trouble with my bank.


F.Y.I. I received a very shoddy looking invoice from MCO Capital LTD without ever having asked for a loan. I have no details of how where or when the loan was requested or where it was paid to, if it ever was, that is. The phone number given produced no response. Appeared to be a [problem] to get money from the phone lines. I opened a Fraud Complaint with the Police, and alerted my Bank. I suggest you do the same.

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It seems everyone is getting these letters, i got mine yesterday, my 16 year old non credity worthy kid sister and three folks on my street alone. Investigations proves this MCO Limited are a telephone [problem] company, charge you £3 per minute to discuss a non-existence loans, which they never pick up anyway. We threw the letters straight in the bin. Not sure who gave Vodkat the £300 loan but all seems like an elablorate hoax of the century to me.

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  • 1 month later...


I stupidly took out a loan with this company in desperation.

I thought i could get the money back to repay only i havent.

I recieved a letter today requesting the full amount, they have now added £212 charges on top of the £513 owed.

I cant contact them to offer a repayment plan.

I am worried this debt will be passed on to intrum justina (as stated in the letter), this company are known for being bullys.

WHAT do i do???? Please help


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what a bunch of sharks. disgusting, wait for them to contact you then, email them telling me you've tried calling to make payment but there is no working phone number, invite them to call you on your mobile between certain hours for example and wait for them. if it goes to a DCA you'll be able to sort out an arrangement much easier because they buy the debt at a lower price then it is...

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