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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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I will have a think about a complaint letter but not today. I can look at mine and put something together.

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If you get no response, go for the second letter and keep at them, you have the full support of the HFO fan club, so just shout for any advice, we are always here.

 

Thanks ba,i have the nasty feeling i'm going to need you all on this one,by second letter do you mean account in dispute?

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I will have a think about a complaint letter but not today. I can look at mine and put something together.

 

I'm going to have a play around with this too,i won't be able to do anything over the weekend,but i'll get onto it monday.

We have plenty of threads and info to be able to collate a standard complaint letter.

I'm considering speaking to my MP on this,this cannot be allowed to continue,and the biggest question i want answered is do they have juridiction in the uk.

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Thanks ba,i have the nasty feeling i'm going to need you all on this one,by second letter do you mean account in dispute?

 

Which route did you go down, the s77/78 or Pt,s CPR31.16 request?

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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Which route did you go down, the s77/78 or Pt,s CPR31.16 request?

 

 

s77-78,the more i read the more i think i should of CPR31.16.

Still it's done now,lets see what they come back with if anything.

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If you get no response, go for the second letter and keep at them, you have the full support of the HFO fan club, so just shout for any advice, we are always here.

 

Chick had a response,a phone call from HFO,they told chick they are not replying to the CCA they are taking it to court.

They were rude and aggressive,they are ringing 5 times or more a day,it's upped since i sent the harassment letter.

I drummed into to chick not to answer but they are calling during working hours

 

As they stated they will not respond to the CCA i'm sending the account in dispute,they really do think they are law unto themselves.

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She must start recording these calls, and contact the police about harassment. Don't mess with the nasty feckers. Stick it to them. If you have sent the £1, they must respond. Take this up asap with the OFT. They won’t do anything, but it goes on the pile.

“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

 

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I did ask if the call was recorded,chick did'nt think.I have stipulated not to answer the calls.

 

I did enclose the pound for the CCA,they certainly act outside of the law.

 

This will be added to my ongoing complaint,i'm collating quite a pile.

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Hi

 

The phone call is utter rubbish, they cannot take anyone to court without a credit agreement (well they can try and hope it is not defended).

 

You must follow the rules and send the in dispute letter on the correct date - do not follow their tactics.

 

The main problem is the phone calls - are they to a work number, mobile or home? I think mobile from what you said before. Chick must keep a log of times, caller name, numbers etc and what was said. If you can do anything to barr them do it. Check with call provider. If they are making contact at work this is particularly against the rules

 

Chick should not get into conversation just say 'account in dispute, in writing only, go away" Make a fuss about getting the name of the caller and say 'thank you it is now 12 noon precisely' as if you are writing it down. If they ask to speak to '...' or say 'Am I speaking to 'chick...' say 'no hang on I will get them' and put the phone in a drawer for 10 minutes - that will hack them off.

 

If they leave messages these are useful evidence.

 

Would def ring 'Consumer Direct' and ask for trading standards to investigate the call abuse - when I spoke to them they sent the complaint to my local TS and the ones for Wimbledon, Surry and Croydon (addresses I have for this bunch). Also you can make a police complaint regarding abusive calls and they have to contact the caller.

 

My complaint to OFT was basically a log of the calls, letters and documents (received and sent) in date order with copies .

Edited by coledog

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Thanks coledog,the problem is i have given chick instructions and they are not adhered to,with them not living with me and being an adult i'm in a difficult situation.

So far i have made all complaints on chicks behalf.I think me and chick need to have a little chat.All calls received are in the phone calls received log,I'll get her to go through the log with me so i can record them all on paper and send it all to the OFT.I'll contact trading standards today.

On the upside HFO have stopped sending letters for the time being anyway.

The agent for hfo said to chick,"you fancy your chances in court do you".I wish it had been recorded.

 

I'll send the account in dispute once the time is up for the CCA request.

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Found this on another thread which just about covers the phone calls.

 

Section 40 of the Administration of Justice Act

“S40 Punishment for unlawful harassment of debtors.

 

A person commits an offence if, with the object of coercing another person to pay money claimed from the other as a debt due under a contract he- harasses the other with demands for payment which, in respect of their frequency, or the manner or occasion of making any such demand, or of any threat or publicity by which any demand is accompanied, are calculated to subject him or members of his family or household to alarm, distresslink3.gif or humiliation; falsely represents, in relation to the money claimed, that criminal proceedings lie for failure to pay it; falsely represents himself to be authorised in some official capacity to claim or enforce payment; or utters a document falsely represented by him to have some official character, or purporting to have some official character which he know it has not.

 

A person may be guilty of an offence by virtue of sub-section (1) (a) above if he concerts with others in the taking of such actions as is described in that paragraph, notwithstanding that his own course of conduct does not by itself amount to harassment.”

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Coledog your an angel,iv'e been looking for this ^^^^ won't do any harm to send them this as a reminder of how they should behave.

 

Thanks again for your help.

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A letter with a big heading COMPLAINT - Dear Muppets, Regarding excessive and threatening phone calls (between Dates) also correspondence received on (Date) containing references to 'legal action' (copy attached). I would liketo draw your attention to the following legislation ( Section 40 etc). Also please reference OFT Guidence on debt collection

 

Also add:

 

Copy to: Office of Fair Trading, Trading standards, OFCOM, CSA, Metropolitan Police, MP, anyone else who you can complain to. And send copies to them.

 

Needs padding out but you get the idea.

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Got a reply,a nice a4 sheet threatening 72 hour litigation proceedings if chick fails to ring them.

 

I'm rolling around in hysterics:lol::lol::lol:.

 

Well they brightened up a dull cloudy day........No response to the CCA request..........naughty,naughty hfo....times almost up.

 

Thought i would add this,HFO are a member of the credit services association Ltd.

I downloaded the complaint forms to complain about HFO i also downloaded a copy of their code of practice in reply to the threating letter received today for my chick.

Anyone else complained to the above.

 

Checking the details for HFO Services i discovered they have a roxburghe e-mail listed for contacting them.

 

And a direct postal address

Manor House

Lavender Park Road

West Byfleet

Surrey

KT14 6NA

Edited by bsj
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Bump........Anyone used theCredit Services Association Ltd.

 

As a means of complaint along with all the other bodies we complain to.

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Thanks for the headsup loanbuster,i should listen to gut instinct more often.

I had'nt come across them before thats why i asked before i filed a complaint with them.

 

Do they know the meaning of codes and standards.............i think not.

Whitewash does'nt come close.

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Is the 72 hour litigation from HFO or Turnbull Rutherford? Either way it is probably pants. When are you due to send the account in dispute letter?

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It's from HFO,i have to post the dispute letter friday the 12+2 is up monday next week.

I'm posting friday so it's lands on their desk monday morning postal service permitting of couse,sending it recorded.

It's been a long fourteen day's.

I spoke to chick briefly last night and they seem to have stopped ringing, for the moment anyway.

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It is just a standard letter that HFO have sent. I would not send the In Dispute letter too early as you need to make sure it has the correct dates on it and prove that you have allowed them enough time to reply. Early next week would be fine.

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Did the 72 hour litigation letter have a credit report attached to it?

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Did the 72 hour litigation letter have a credit report attached to it?

 

No unforunatley,chick was told during a phone call that they had it in front of them.

 

Sent the account in dispute letter,the phone calls have ceased for now.

 

Citi have returned the payment for the SAR they are asking for ID as the address the have on file is different.

 

They are asking for a bank statement or driving licence,can they lawfully request this info.

 

No CCA has been recieved from HFO,not surprising as HFO stated they not going to comply with the request verbally.

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A photocopy of driving licence or utility bill should suffice for proof of ID

Form of the request

 

A request for Personal Data is a subject access request under the Act. However, it may not always be necessary to treat a request for information as a formal request under the Data Protection Act 1998 (the "Act"). If the request for information is one which you would normally deal with within the normal course of your business, you should consider whether you need to deal with this as a formal subject access request under the Act.

If you treat the request as a formal subject access request, the data controller is entitled to ask for a fee of £10 (unless the request relates to medical or education records) in order to deal with the request and it is advisable to do so without delay. The subject access request should be in writing. The data controller is also entitled to the following two further pieces of information before the forty calendar day response period commences:

  • Firstly, the data controller must satisfy himself that the person making the request is, in fact, the data subject. The use of a subject access request form is advised, since the greatest breach of a data controller's security is for the data controller to satisfy a subject access request made by a person impersonating the data subject. The use of the form goes towards proving that the data controller has adequate identification and verification procedures in place.
  • Secondly, the data controller is entitled to ask the data subject for further information to enable the data controller to locate the information which that person seeks. It should be remembered that the individual is within their rights to request copies of all information held about them. However, you may wish to try to help the data subject to try to narrow their request for information. This is discussed further below.

When the last of these three conditions have been satisfied, the forty day period starts to run. It is advisable to put procedures in place to ensure that the receipt of the request and the further information is correctly dated so that an organisation knows how long it has to satisfy the subject access request.

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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