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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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Welcome Finance - PPI refund


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Hi and thanks for taking the time to read this. I could do with some advice. I instructed a company to reclaim ppi insurance from WFS. On Sept 5, I received their final offer of compensation along with their offer to reduce the monthly payment for the lifetime of the loan. I took out the initial loan in 2006 and in 2009 after a battle with them, dealt with their local office who reduced the monthly payment in line with what i can afford. I was also told at that meeting they couldn't sell me any more PPI.

To cut a long story short, I contact WFS after their 10 day deadline (after receiving my signed acceptance confirmatio) to be told that actually I wasn't getting payment in that 10 day window, but would have to wait an additional 21 days whilst they cancelled and rebooked my loan, with payment being a further 10 days from accepting that. I got annoyed and spoke with one of their managers. I told them that as I was in credit (how?) I was going to suspend my DD instruction until this was resolved. She didn't advise against that in fact said she would do the same. I was contacted today by WFS locally who told me I hadn't paid my loan. I patiently explained (with him talking all over me) what the situation was, what I'd done, who I spoke to etc etc. He then started shouting at me that my loan couldn't be rebooked, I didn't have insurance and that he would instruct them to retract the offer as I wasnt entitled to any compensation and i was in arrears to the tune of £327! I'd defaulted on a secured loan and they would take further action against me now. I now don't know what to think and am really concerned! Your comments will all appreciated. Thanks

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Irish,

 

This is obviously some ego inflated rep you spoke to today who most likely doesn't have the power to do anything with your loan.

 

Remember these people are paid a pittens to get you paying as much as possible.

 

Personally I would avoid talking to anyone from WFS on the phone. Best to keep all communications in writing, that way things can be tracked and proved.

 

I also suggest you speak to your local branch manager for an update on when you can expect payment.

 

Good luck

 

DJ

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