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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • 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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Article in the Daily Mail about Debt Collecting


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Good news for the CAG

 

Headline :-Time to crack down on the debt collecting heavy mob

 

http://www.dailymail.co.uk/money/article-1312064/Time-crack-the.html

 

 

:wink:

 

 

Many thanks for posting that, a very interesting read

I doubt if much will happen though but who knows

R

[sIGPIC][/sIGPIC] I asked them to wait whilst I got my Bank card :violin:

------------------------------------------------------------------------------------------

 

Information that may help if a CCA request is refused due to the lack of a signature . . http://www.consumeractiongroup.co.uk/forum/showthread.php?248863-Signature-demands-fight-back-possible-!&highlight=

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I like this bit right at the end:

 

A Roxburghe spokesman says: ‘We are a professional debt collection

agency who act on the instructions of our clients.’

 

 

 

 

Wonder if that was placed in there deliberately tongue in cheek? :)

DCA's - they have the same power as an infinite number of untrained chimps working on a script for Hamlet, but the chimps would probably at least get it right :D

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debt collectors typically earn between 10 pc and 50 pc of the money collected.

Yeah right. :rolleyes:

 

Peter Wallwork, chief executive of the Credit services association — the trade body for debt collectors — says: ‘Considering how big this industry is, we receive relatively few complaints.

 

Define "relatively", please.

 

A Roxburghe spokesman says: ‘We are a professional debt collection agency who act on the instructions of our clients.’

 

:pound:

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Free publicity for CAG :)

 

Shame it was the DM :|

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"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

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Roxburghe being professional indeed, I had a laugh at that comment....

 

Pity the OFT don't say 'okay you lot, every time we get 200 complaints in a 3 month period you get one of our guys working in your offices checking ALL the outgoing letters, and checking the debt portfolio details.

 

All I can say is that the Debt Buyers and Sellers Group should be disbanded and it should be illegal for a company to sell a debt to a debt collector - I am working on some wording for a petition to the government on this issue.... should have a watertight initial draft ready for October (significant day then, 4 years from when I was repossessed).

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I hope we have all taken note of the relevant sections so that these can be quoted. Are we allowed on CAG to put up the telephone number mentioned, for complaints?

Every journey begins with a single step :):)

 

Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

 

If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You

 

The only person entitled to your Personal Finance details is a Judge not a DCA

 

Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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checked the DM and at 3 this afternoon there were no comments, or none that I can see

PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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I find it hard to believe no one has commented on the article.

 

i've left a comment but they have to read through it it first .i even put i link to CAG so they can read the horror stories for themselves :madgrin:

PHOTOBUCKET TUTORIAL IS NOW DONE HERE IT IS

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OFT can 'With draw a Credit Licence', if your a small fish yes, but if your a big fish like Barclaycard, Halifax - no chance. An empty threat, I wonder whether the OFT

are breaching my human rights.

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OFT can 'With draw a Credit Licence', if your a small fish yes, but if your a big fish like Barclaycard, Halifax - no chance. An empty threat, I wonder whether the OFT

are breaching my human rights.

 

I was going to make a claim under my human rights - till the wife pointed out i would have trouble proving i was human :-) Am sure there must of been a reason i married her.

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I was going to make a claim under my human rights - till the wife pointed out i would have trouble proving i was human :-) Am sure there must of been a reason i married her.
Obvious, innit? You couldn't feel human, so you settled for feeling A human.

 

I'll get my coat. :biggrin1:

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I wonder how many licences the OFT has actually withdrawn - I'd bet it will be single figures. The whole system of consumer credit licencing is unfit for purpose, from the way in which dormant companies can get licences (and thus protect their owners), to Trading Standards' and the OFT's hopelessly inadequate enforcement.

 

The usual drivel from the CSA - of course they receive few complaints - they represent the DCAs, who have signally failed to reform the industry from within.

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Mind you, in this day and age there appears to be more people concerned with Animal Rights than Human Rights.

 

PS I am an animal lover:lol:

Every journey begins with a single step :):)

 

Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

 

If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You

 

The only person entitled to your Personal Finance details is a Judge not a DCA

 

Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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I have read about people like you in the news of the world:-)

 

I've read about them in discarded copies of the Daily Mail on the train. Apparently, they're all Communists or Immigrants... :(

Please note, I am not professionally qualified in legal matters. Should you have any doubts, you should contact a legal expert.

However, I can and will help with matters regarding payroll as I am fully qualified.

 

If I've helped in any way, you're welcome to click on my "star" and thanks, but I gain the most satisfaction simply by helping/reassuring :O)

 

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Still no comments visible and it's gone 10pm. Seems like the Daily Mail aren't that interested!

Please note, I am not professionally qualified in legal matters. Should you have any doubts, you should contact a legal expert.

However, I can and will help with matters regarding payroll as I am fully qualified.

 

If I've helped in any way, you're welcome to click on my "star" and thanks, but I gain the most satisfaction simply by helping/reassuring :O)

 

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Roxburghe being professional indeed, I had a laugh at that comment....

 

Pity the OFT don't say 'okay you lot, every time we get 200 complaints in a 3 month period you get one of our guys working in your offices checking ALL the outgoing letters, and checking the debt portfolio details.

 

All I can say is that the Debt Buyers and Sellers Group should be disbanded and it should be illegal for a company to sell a debt to a debt collector - I am working on some wording for a petition to the government on this issue.... should have a watertight initial draft ready for October (significant day then, 4 years from when I was repossessed).

 

Well done,it is about time that the selling of peoples misery should be tack;ed ,and banned.Its like financial slavery!

Stripper

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I think Ray Watson has been at the OFT since 1984, that says it all, a total lack of reality, times have changed, so the OFT needs to change. By the way if I had my credit licence withdrawn, I'd ask the OFT why Barclaycard have never had their licence

removed.

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