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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?
       
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      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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Mckenzie Hall data protection act breached?


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Hi All,

My husband is having numerous phone calls and text messages a week to his mobile, my mobile and his employees' direct line (to the managing director and to the other office phone). To top all of this off they've recently started to send letters to his work addresses including all showrooms and factory (which is where he works.) as a c/o address for him.

 

It's splashed all over the envolope who McKenzie Hall are so it really rather embarressing for him and when they phone or send text messages they state his name, their name and what thier company deals with :evil:.

 

I've got a copy of the harassment by phone letter ready to send but I'm just making sure that there's nothing else I should be doing before I send this to them, as I didn't think they would of been able to give so much information out when speaking to people he works with about this debt.

 

Also just to add the debt is from a payday loan which we couldn't afford too pay back in full, (I know I hear you sigh but we were desprate at the time), we have however made every effort to pay this debt but each time we've offered payment we've been told it's too little and it wouldn't be accepted even after sending them details of our expenditure.

 

Thanks in advance for all your help x

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You MUST get on the phone to trading standards in Kilmarnock where MH are based. There is a guy there called Alan Stewart who deals with MH on a regular basis. See the link for contact details. Give him a phone call with the details.

 

http://www.east-ayrshire.gov.uk/item_detail.asp?UIN=1492

 

This is a major breach of OFT rules, if the debt is nothing to do with the company he works for.

We could do with some help from you.

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Hi sorry if i'm posting wrong (i'm using my phone)...its just too answer you as quickly as possible and thank you for your reply.

No the debt is a personal debt and has nothing to do at all with the company he works with, but obviously now he's not lookin forward to goin into work because they ring each work phone at least once a day and they also txt the work phones once a day as well.

As I an writing this I hav just had a txt from them, would you suggest I ring them and tell them I am sending a telephone harassment letter to them and also speaking to the person mentioned above?

Thanks in advance you've been most kind in helping us x

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Why have you not phoned Trading Standards ?

 

Just do it. Don't give MH a warning. Report them.

 

If this was me, I would go absolutely ballistic. I would go legal and sue them.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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DO NOT speak to them on the phone, you will get nowhere - as unclebulgaria stated above, get in touch with the trading standards contct he has given you.

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Hi fifi

Mackenziehall are members of the CSA and so by joining they agree to abide by their Code of Practice :lol: (OOOPS sorry)

This is from said C of P

Debt Collection & Default Guidelines

In attempting to carry out collection in default of

payment, members of the Association should:

 

a) Not use oppressive or intrusive collection

procedures.

 

b) Not bring unreasonable pressure to bear on

the debtor in default of payment.

 

c) Not act in a manner in public intended to

embarrass the debtor.

 

d) Be circumspect and discreet when

attempting to contact the debtor by

telephone, SMS, email or by personal visit,

with due regard to the Data Protection Act

and OFT Guidance.

 

e) Ensure that all attempted contacts with

debtors are made at reasonable times and at

 

As you can see from the highlights they just don't give a :censored:

Go get 'em

Good luck

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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Why have you not phoned Trading Standards ?

 

Just do it. Don't give MH a warning. Report them.

 

If this was me, I would go absolutely ballistic. I would go legal and sue them.

 

I completely agree. This is so outrageous, that I really think you should consider legal action.

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Hi to everyone who helped :wink:,

I did as you suggested and gave the the fellow mentioned above a ring, he gave me the number for Mackenzie Halls' complaints manager. I rang him and he was happy to remove all the numbers he had for us and also assured me there would be no letters, phone calls or text messages at work.....Here's hoping he's telling the truth!!

Thanks so much for all yourhelp xx

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Write and email them confirming this action, and write to the original creditor again stating that you now need details of their complaints procedure (which they won't have) and then complain to Trading Standards about them.

 

Which payday loan company is it, this might be better reheaded under their name and the thread moved to the Payday loan section of this forum.

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*uck 'all have NO idea/choose to ignore OFT guidlines, CSA codes of practice, the CPUTR 2008 and the DPA!!!

 

Report them to all of the above mentioned organisations.

"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.

 

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REQUIREMENTS IMPOSED BY THE OFFICE OF FAIR TRADING ('OFT')

PURSUANT TO SECTION 33A AND SECTION 33D(4) OF THE CONSUMER

CREDIT ACT 1974 ('the Act')

 

REQUIREMENTS RELATING TO:

 

MACKENZIE HALL LIMITED (Consumer Credit Licence Number

5444071, registered office address: 58 Portland Street, Kilmarnock,

East Ayrshire, KAI I JG

 

THE OFT REQUIRES AS FOLLOWS:

1. That as of 15 April 2009

1 .1 Mackenzie Hall Limited will not carry out debt collectionlink3.gif activity where it has been informed, in writing, that there is reasonable cause to believe that the debt is in dispute.

1.2 Mackenzie Hall Limited will not carry out Debt Collection Activity where it has been informed, in writing, that the account is statute barred.

 

Debt Collection Activity is defined as:

a) sending debt collection letters;

b) making of debt collection calls;

c) the use of any other medium for the purpose of collecting an outstanding debt; or

d) the acceptance of payments offered against a debt.

 

A debt is considered as in dispute where:

a ) it has been reasonably demonstrated that the debt has been previously paid;

b) a request under section 77 or 78 of the Consumer Credit Act 1974 has not been complied with, and this prevents the agreement being enforced without the permission of the court;

c ) it is reasonably believed that the debt may have been incurred as a result of identity theft or fraud; or

d ) it is reasonably doubted that the person being pursued for the debt is the actual debtor.

 

For the avoidance of doubt, where only part of a debt is disputed Mackenzie Hall Limited may seek to recover any other part of the debt that is not disputed.

 

ANY FAILURE TO COMPLY WITH THE ABOVE REQUIREMENTS WILL RENDER MACKENZIE HALL LIMITED LIABLE TO FURTHER FORMAL ACTION BY THE OFT. THIS COULD INCLUDE THE IMPOSITION OF FINANCIAL PENALTIES PURSUANT TO SECTION 39A OF THE ACT AND/OR THE REVOCATION OF MACKENZIE HALL LIMITED'S CONSUMER CREDIT LICENCE PURSUANT TO SECTION 32 OF THE ACT.

 

Signed:

Ray Watson, Director, Consumer Credit Group

Authorised signatory on behalf of the OFT

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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http://www.consumerdirect.gov.uk/contact Will pass your complaint directly to OFT & TS.

 

http://www.ofcom.org.uk/contact-us/ About the misuse of the communications network, and breaching the communications act.

 

http://www.fsa.gov.uk/ About the payday loan company.

 

http://www.csaconsumers-uk.com/page/i-have-a-complaint About there member Muckhall.

 

http://www.ico.gov.uk/complaints.aspx About your concerns regarding the DPA and these muppets.

 

http://www.writetothem.com/ Get your local MP onboard and get him to raise this in parliament.

 

:welcome: Hello Guests...

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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6f422114.gif

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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The man you spoke to may have been happy to tell you your details were being removed from their systems but MHall have a tendency to say one thing and then ignore it completely. You need the complaints manager - can you share his name, phone and e-mail address with us? - to write and confirm so when they totally ignore what he says you have something solid to whack this excuse of a company over the head with.

 

As outlined above Mhall have been told to behave or else. Their behaviour stil lies someay below the standard required.l

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  • 1 year later...

You would need a very very good case against Trading Standards to take them to court. It would be a waste of time and effort.

 

Complaining does get you somewhere and in Mucky Hall's case it usually gets them off your back - East Ayrshire Trading Standards is the one you want and Sam Gardiner is the person dealing with Mucky Hall.

 

Take the 'tested' route first, court could be very costly and very time consuming.

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Failing all that, you could send MH a bag of doughnuts.

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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You would need a very very good case against Trading Standards to take them to court. It would be a waste of time and effort.

 

Complaining does get you somewhere and in Mucky Hall's case it usually gets them off your back - East Ayrshire Trading Standards is the one you want and Sam Gardiner is the person dealing with Mucky Hall.

 

Take the 'tested' route first, court could be very costly and very time consuming.

 

Funnily enough I just got a phone call off these a-holes about 30 minutes ago.

 

I'll be sending them a SAR in the morning for their trouble.

In knowledge lies wisdom

 

Mo - not even a bar-stool lawyer, but I'll help where I can...

 

 

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This is a thread from 2010

If any one posting here has anything useful

to say start a new thead.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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