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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.
       
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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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Hi

 

The CCA request is key. No credit agreement, no payment and the credit agreement would also affect the right to apply charges and interest by any one who acquired the debt. I bet there are lots of charges, PPI etc added to the original account also. You don't say when the account was opened or the last payment made. If no payment or acknowledgement of the debt (in writing) within 6 years (5 in Scotland) the debt is statute barred. Having some original paperwork will be useful.

 

I would also send a SAR request to CitiCard and particularly ask who this account was sold to and when as there are some possible dodgy practices here. I have a simplified request I can post up.

 

It is unlikely that a credit agreement will be sent back in the 12 plus 2 days, if at all, so you can get the account 'in dispute' and tell any callers to 'bog off'.

 

You should start a seperate thread for '1st Credit' but this could just be threats, don't contact them until you received some more advice.

 

Iv'e got the letter ready for posting monday for the CCA to HFO and SAR to citi,the SAR is a £10 fee is it not.

Some notes have been scribbled on some of the letters from HFO,so i know my chick has spoken to them in the past,that has been confirmed to me.

I have checked all the dates and would become statute barred end of april 2011,so i think they are in a hurry to collect now,thats why they are ringing and putting the pressure on.

Would you mind posting up that request for me,from what i'm learning it would seem there is definatley something dodgy going on.

 

I will start a thread for 1st credit,nothing more in the file for them so i don't think they went for bankrupcy,just the heavy scare tatics.

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US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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Thank you BA lost concentration for a bit,i copied the 77-78 CCA template,i'll use the one in post two.

Thanks again,where would i be without you..........:???:

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The option I posted is before they have started any action, if they have started action you use CPR31.14, I would read the whole thread and then decide how you will approach the matter.

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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the 77/78 option is easier. But if I went back to before they started proceedings this is how I would do it now. I did mine using a CPR18 request, which again is after they have started proceedings

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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Very useful site loanbuster, thanks for the link.

 

Donkey,no envelopes unfortunatley,at least i have statements and letters it's a start.

What about the charges they have added to the original debt amount,they have almost doubled it grrr.

 

Well, I hear that someone is on a serious data gathering mission at the moment, so it shouldn't be too long before a site that has been mentioned on here will be live fairly soon for everyone to contribute thier own cases to. I am led to understand that when there are 100+ individually identifiable cases logged and for all to benefit from, the data will then be passed to every government agency who may have a valid interest and is a position to act.

 

Too much has gone on to be claimed as being "administrative errors and oversights"

 

They must have the message by now that nobody from this site is going to walk away and be screwed over. As public opinion gains momentum, they will soon get the message. One thing the puppet master has overlooked is True Brit Grit.

 

I am absolutely flabbergasted at the total arogance of these people in thinking that they can carry on like this and not get a reaction. Its an absolute joke.

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Well, I hear that someone is on a serious data gathering mission at the moment, so it shouldn't be too long before a site that has been mentioned on here will be live fairly soon for everyone to contribute thier own cases to. I am led to understand that when there are 100+ individually identifiable cases logged and for all to see, the data will then be passed to every government agency who may have a valid interest and is a position to act. They must have the message by now that nobody from this site is going to walk away and be screwed over. As public opinion stacks up, they will soon get the message. One thing the puppet master has overlooked is True Brit Grit.

 

Each new thread, seems to highlight something new and contradict previous claims, all this is now in the public domain, if this HFO site appears, it will only strengthen the position.

 

Message to Mr.T, if I was you I would give up on any claims which turn up on CAG or the new website, but I suppose greed has clouded your judgement, greed may well be your downfall.

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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Problem is that for every one of us there will be 100s of people who do nothing about it and pay up. That is why the authorities need to take action, for the people who are not complaining. I put this in my OFT letter.

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Please Double click the Star and leave a message if I have helped you

 

Please support CAG and they will support you.

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BA no action has been started as yet so i'll use with the 77-78 CCA request.

 

I'll start another thread for the statutory demand,so you can all glean it over,and advise how i should approach it,if at all.

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BA no action has been started as yet so i'll use with the 77-78 CCA request.

 

I'll start another thread for the statutory demand,so you can all glean it over,and advise how i should approach it,if at all.

 

You can use CPR if they have threatened legal action.

“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

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Well, I hear that someone is on a serious data gathering mission at the moment, so it shouldn't be too long before a site that has been mentioned on here will be live fairly soon for everyone to contribute thier own cases to. I am led to understand that when there are 100+ individually identifiable cases logged and for all to benefit from, the data will then be passed to every government agency who may have a valid interest and is a position to act.

 

Too much has gone on to be claimed as being "administrative errors and oversights"

 

They must have the message by now that nobody from this site is going to walk away and be screwed over. As public opinion gains momentum, they will soon get the message. One thing the puppet master has overlooked is True Brit Grit.

 

I am absolutely flabbergasted at the total arogance of these people in thinking that they can carry on like this and not get a reaction. Its an absolute joke.

 

I absolutley agree.I often wonder if the people you refer are human at all.

What really distresses me is the fact these people ARE responsible for debtors taking their lives when they see no other way out.

They need riengning in hard and looking at the link it has begun,puppet master take note.

 

Iv'e certainly had my eyes opened to the dreadful bully boy tatics these people use,they feed on fear and greed,not a nice traits in a person.All for money.:sad:

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You can use CPR if they have threatened legal action.

 

Thanks donkey,they did threaten court action amongst other things,i thought the best one was an attatchment of earnings,idiots.

 

I did read the thread PT put up on CPR last night.

 

So i'll use this as they have threatened action.

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Thanks donkey,they did threaten court action amongst other things,i thought the best one was an attatchment of earnings,idiots.

 

I did read the thread PT put up on CPR last night.

 

So i'll use this as they have threatened action.

 

Good, go with the first letter and see what their response is, or not.......

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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I used the CCA request as I could then put the 'account in dispute' - seems to have worked. Not found anyone on here yet who has received a valid Citi agreement.

At your Service

 

Please Double click the Star and leave a message if I have helped you

 

Please support CAG and they will support you.

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Sent off the letters to hfo and citi.

Today i got a phonecall from HFO asking for my chick when i told the them they no longer live here,he told me i was lying ggrrrrrr.

I was refered to by my first name and my number is ex- directory.

They have obviously done a search on my address and contacted me,i'm not a happy mother hen.

I got straight on the phone to relevant bodies to complain and about to send an e-mail to the oft to complain.

I'm seriously angry over this i want to scream.

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There is a letter which you can request they only contact, by letter.

and yes complain, every one counts.

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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Any way you can record their calls?

“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

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Any way you can record their calls?

I imagine mother hen is not scared of a few chickens.......

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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There is a letter which you can request they only contact, by letter.

and yes complain, every one counts.

 

All in hand, iv'e posted off the harrassment letter from myself ,chicks went in the same envelope as the CCA request they have been warned not to ring..........everthing in writing :)

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I imagine mother hen is not scared of a few chickens.......

 

Even the cockeral in the coop knows i'm a force to be reckoned with when i'm angry:lol:

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