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    • Thanks DX. Is it just another fishing letter? Will a letter of claim be titled that? I doubt that for a measly £500 it’s worth their bother to try and make a claim is it??
    • https://drive.google.com/file/d/1WrcF2oEOydGXCZYwhZcYB7QmnP_9jNaQ/view?usp=drivesdk   hope this one works better?     
    • had to remove you upload  ref number showing but thats not a letter of claim as stated before...so safe to ignore
    • Hi, first post here   My daughter has a progressive illness and is, just recently, 20 years old. She is enrolled as a full time student and until last weekend I received tax credits for her. I am her appointed person, She receives PIP at highest rate for personal care and lower rate for mobility. I receive carers allowance and also am self employed, around her needs. She does a very odd shift working, possibly one or two 4-5 hour shift a month.   In the past I understand that she would have been entitled to ESA whilst a student as she receives PIP (the bursary form we have completed for low income towards travel and materials for her course, NOT any 'living costs' asks if she is in receipt of universal credit or ESA)    I went online and made an application through the only online form available (new style contributions based) they told me as it was filled in her name I would need to ring a number for Contributionary ESA but she would only get a credit, as not paid enough. She didnt seem to know anything about income related.   She said she might be able to apply for universal credit.   I heard that there is some sort of magic way of applying - something to do with you not being able to get ESA without a work capability assessment, and because she is a student they wont do one because she isnt entitled to UC. However someone else told me that because she gets PIP she is automatically exempt from the WCA. And that as a disabled student she is entitled to income related ESA. And yet another person told me that you need to apply for universal credit and ask them to defer the payment until the WCA is done (which she shouldnt need as she gets PIP)...   Its all very confusing, and in the meantime the tax credits have been cut by a huge amount and council tax have placed me on a minimum income floor and charging me a whopping rate of council tax    
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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.
       
        • Thanks
      • 3 replies
    • 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

 

Not sure if i am posting in the correct place apologises if im not.

 

My OH purchased a TV through homebuy in May 2008 with the agreement starting on 2nd June and lasting for a total of 156 weeks so the agreement he signed should be ending June 2011. However after myself going through the statement they sent I have realised that they have extended the agreement to 309weeks effectively making it so that it does not end until June 2014. As far as my OH is aware he has never received no notification of the extension and they are still collecting the same amount in the monthly payments. What i would like to know is are they allowed to extend the length of the agreement without OH consent, if not how can we sort this out?

 

Any help is gratefully appreciated

 

Sian

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Hi

 

thanks for replying.

 

Yes we have the original agreement, it states on there that he should be paying for a total of 156 weeks commencing on 2nd June 2008 but nothing about an end date.

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It does not need an end date, that can be worked out from the start date - I would say 156 weeks is roughly 3 years worth, so the last payment should be around the end of May 2011 - the exact date can be worked out by counting the weeks.

 

Have you bought anything else from them? Or ended up in arrears? Or had a new tv at any point? Have they added insurance?

 

Have you always kept up with the payments? (Though I cannot imagine any arrears doubling the cost!)

 

Basically, they cannot change the contract without your agreement, the statement they have sent sounds as though there has been a mistake. It could be a simple mistake, such as someone entering the purchase twice but you certainly need to find out what has happened, and get it corrected - from what you say, you have the evidence, you have right on your side, it should be very simple to resolve.

 

Don't let them get their hands on the contract, always take a photocopy in if they ask to see it, or send them copies - if that contract leaves your possession, your proof that you do not owe the extra 3 years is lost!

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Hi thanks for the reply

 

I have spoken to my OH and when he was with his ex partner she had a nintendo wii put on to his account so he is paying for that aswell but he says that they increased the payments when this was put on. After reading through the agreement i have found that homebuy have put nearly £1700 on to the cost of the tv for optional maintenance cover which was never explained or asked for.

 

Do you think it would be a good idea to SAR homebuy as we dont have the original agreement for the wii?

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