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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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Just have to play the waiting game, like me.

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This needs more complaining! They have stated they will not respond to a legitimate CCA request; they have not responded; you have put the account in dispute. Is that right?

 

Time to up the ante on these muppets. I would write and summarise what you have done and what they have said, and demand either (a) they comply with the legitimate CCA request, or (b) return the £1 and do not ever contact us again, as you assume the case is closed.

 

Go on the attack!

“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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This needs more complaining! They have stated they will not respond to a legitimate CCA request; they have not responded; you have put the account in dispute. Is that right?

 

Time to up the ante on these muppets. I would write and summarise what you have done and what they have said, and demand either (a) they comply with the legitimate CCA request, or (b) return the £1 and do not ever contact us again, as you assume the case is closed.

 

Go on the attack!

 

Good idea donkey,anything is better than beig a sitting duck (or chicken).

 

Yes i have sent the account in the dispute letter.

 

They say the best form of defence is attack.:-)

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Umm Might do the same thing then. Or maybe wait for the SAR info?

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Umm Might do the same thing then. Or maybe wait for the SAR info?

 

I'll mull this over,i would like to see who the dept was assigned to,Capitol or services could be interesting.

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It’s always good to be proactive. If these cases get to court, then it looks very positive for you when you try and sort things but they don’t respond or simply become abusive.

 

In pt2537’s thread about litigation and pre-litigation (it’s a sticky), he lays out lots of excellent tactics for a bit of legal oneupmanship.

“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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It’s always good to be proactive. If these cases get to court, then it looks very positive for you when you try and sort things but they don’t respond or simply become abusive.

 

In pt2537’s thread about litigation and pre-litigation (it’s a sticky), he lays out lots of excellent tactics for a bit of legal oneupmanship.

 

I'll go take a look,thanks donkey.

I would rather be doing something,they had a really bad affect on my chick.

And as you say it will put chick in a better light come litigation,if and when that happens.

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  • 1 month later...

Any update on this BSJ? I have had an reconstituted agreement and totally incomplete SAR fom Citi but thought I would check on you.

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Thanks Coledog,Nothing back as yet,HFO have stopped calling,no more love letters from them.

 

No Agreement,no reply to the SAR from CITI as yet perhaps they can't make up their minds what to include in it.

When i get it,i expect to be incomplete as i have the original default notice from them and it's laughable let alone dodgy.

I sent the harassment letter and the account in dispute to HFO and all went quiet.

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I would chase up the SAR request if nothing received in the 40 days since posting.

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Bart’s here, so he’ll probably chase up the CCA request for you. Personally.

“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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  • 2 months later...

Just an update,sorry i have'nt posted any updates but did'nt have any news.sent HFO the account in dispute letter in Dec last year.To day i received the CCA it's basically pages of nonsense.It's a recontructed one.

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Hello again

 

I got an recon also and have just ignored it, you can write back and say it is not the executable credit agreement, you asked for and ask them to confirm that they actually have one, which they will not.

 

Have Citi sent anything? It is important to find out the last payment date, also who this was sold to exactly and when.

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Citi have been a real pain over the sar i have written 3 times now and they keep sending my postal order back because i won't supply a sig to them.

 

My chick won't agree to sign anything to them,so i'm at a stalemate with them.

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Well, why not sign something in a slightly different signature and keep a copy of exactly what you sent? If it magically ‘appears’ on a document, you will have all the proof of naughtiness you need.

 

It isn’t required, but get this sorted – getting the information is more important than the technicalities of their needing/not needing a signature.

“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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you must get that SAR sent

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Thank you for the template coledog,i have printed it off and posted to Citi.

 

Now just have to wait for the Sar,hopefully this time they will provide it.

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Good! HFO seem to attacking people on all fronts at the moment, so as much amunition as you can get, the better.

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  • 3 months later...

The're back......another 72 hour litigation threat accompanied with hmcs Ex326 I cannot pay my judgement threat letter.

 

They have almost doubled charges on the balance,it becomes SB'd in sept of this year.

 

I thought their silence was too good to be true.

 

This time the letter has gone to chicks address.

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Did you ever get a response to the SAR? Did you write as advised to state that the account remained in dispute?

 

Can you post the recon CCA they sent? I think I know why it may be deficient, but others need to see it.

“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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