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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.
       
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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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Difficulty in paying CC, now default notice served, go for CCA?


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Hi All

 

My wife and I are now unable to pay her credit card and informed HSBC a few months ago.

 

Due to disc removal back operation and recent heart attack I am unable to now work and am surviving on benefits, namley DLA.

 

I outlined our circumstances and asked them to consider writing the debt off which they did not (suprise)

 

They asked us to pay the minimum payment, we could not afford that and settled to pay £1 a month.

 

They have now served a default notice under Section 87 (1) of the Consumer Credit Act 1974

 

We have always in the past met the card payments and we accept we are responsible for our debt but due to circumstances it is not possible to now meet these payments

 

Would going along the CCA route be advisable so that HSBC could not enforce the Default Notice and then allow us to come to an amicable agreement with them?

 

I would be most gratful any advice

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Hi Mickthespur ,

 

There is no court in the land which will make you pay more than you can reasonably afford . Providing you work out and tell HSBC what you reckon you can afford to pay , and offer them these terms .... then you will ave shown willingness to settle and they can't get blood out of a stone .......

 

Just one point , if you haven't already done so , ... make sure your benefits etc are being paid into an account which has no connection with HSBC (called a Parachute Account ) .... so that they can't grab any credits that come in for your day to day living ...... which they're legally allowed to do under what's called 'Right of Set-off ....

 

Of course to give yourself a bit of breathing space you could send a CCA request , just to see if they've got the agreement .....

 

Also , if they pass the debt to one of their In-house DCAs (like MCS) ask them for copies of the agreement to prove their authority to collect ........... but at the end of the day , if there is a valid agreement and you pay what you can afford you can't go far wrong .....

 

and you know to come back and ask if you're in any doubt ....... :)

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Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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Hi

 

Thanks for the advice, will send them a letter on Monday asking for CCA and then work out a finance plan to see what we can afford and let them have that

 

Appreciate your advice thanks again

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