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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.
       
      • 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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Hi everyone hope you can help.

 

I have had a IVA for about 6 months now and haven't had any problems, all running smoothly uptil 2 months ago when I got a AOE added to my wages. It has taken a couple of months to nail down who it is and since then I have had two more lots of wages minus the money this company is taking.

 

The thing is I included the company in my IVA but they decided to pass my case to some law firm. The IVA was all agreed and put into place but because the law firm didn't know about it (the company they are dealing with didn't bother to tell them) they still proceeded with the AOE.

 

Now I have all this information I have been told by the law firm that the only way I can get this AOE off is if I apply to the court myself rather than my debt company. In theroy I have been overpaying for the last 3 months (£100 each month) so do I get that back or have I lost that? Also how do I go getting this sorted. I went for a IVA as I was sick of being in debt and wanted to pay something back and get debt free. But if I have this still attached then that isn't going to have for over 7 years when the IVA has only 4.5 years left to run.

 

Since this was the largest debt out of the lot I beleive they would have said yes to the IVA and made up part of the 75% or more needed for approval.

 

I need to know what to do now as I am paying £100 plus my IVA every month and it is leaving me struggling with all my other bills etc.

 

Thanks you for your time.

 

 

Jason

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You need to speak to your supervisor of your IVA and explain the situation about the a

AOE. The creditor is bound by the IVA so the supervisor needs to be aware they have gone against this.

As always please check and double check what myself and other Caggers inform.

 

If you like my Post please dont be shy give my Scales a little tickle :-)

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  • 2 weeks later...

In an IVA, if the debt relating to this AOE was included within your proposal, they should not be able to present any legal proceedings, and if they have, your IVA company should contact them directly to find out what has happened. You state that the law firm wasn't informed of the IVA, does this mean the debt has not been included in your IVA?

Usually, if someone gets an AOE before the IVA is set up, the AOE is over ridden by the IVA, as the debt is included within the arrangement and you would not need to make both the IVA payment and the AOE payment.

IVAs only last 5 years - 6 at the most, so it will not go on for 7 years. I would suggest contacting your IVA company to inform them of this debt, and AOE order, and they will be able to advise you. If the debt has not been included in your IVA up until now, it is at your other creditors discretion as to whether they would want to continue or fail your IVA, dependant on how large the debt is that would need adding into your IVA. Usually, if the debt is more than 15% of your total debt, the IVA would need to be pulled and the debt included and re-proposed to creditors.

 

All the best

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