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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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Aggressive tactics of the Shop Direct group.


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Hello all.I'm a newbie to this forum and for my first post, would like to say that I too am suffering the aggressive tactics of the Shop Direct group.

Very brief outline of my tale of woe - A couple of years ago I got into financial trouble and defaulted on a balance of £498 with littlewoods. I buried my head in the sand and tried to avoid the calls and letters. Eventually though, I saw sense and started to pay the debt off after i took out an extended loan with shop direct.This allowed me to pay the debt by monthly payments plus the promise of no further charges or harrassing calls,but it also took the debt up to an extortionate £800. Anyhow,Shop D broke this agreement straight away as the charges just continued even though i was making payments and for the last 6 months or so, they've taken every opportunity to charge me. Now they're harrassing me with telephone calls ( 11 in the last 4 days! ) even though a payment isn't due for 6 days.

To cut a very long complicated story short, my original debt was £498, I've paid £290 of that off, but due to extended plans/charges/interest/whatever they feel like adding, I somehow still owe £668 - £170 more than the original debt!

I didn't intend to default- like most people i'm an honest person who's fallen on hard times.

I guess the golden rule is don't get into debt in the first place, but I do feel Littlewoods/Shop D need to be less aggressive.

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Hello and Welcome, bramblebuster.

 

I've used your first post to start a new thread, please check your Notifications.

 

Regards.

 

Scott.

 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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  • 2 weeks later...

Hi all, just thought I'd update you on the me v SD situation. After writing to them for the nth time - yet again explaining my financial circumstances and yet again asking for them to correspond in writing only......what do I recieve in the post by return? A standard computer generated letter adding another charge to my account !

Cheeky bar stewards.

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  • 1 month later...

Latest news with regard to Littlewoods/shop direct.

I've taken my case to the Financial Ombudsman, who are still investigating. In the meantime, Littlewoods/SD have started to give me 'courtesy calls' and have applied yet another charge to my account for non payment of arrears. I was under the impression that all charges and collection activity was to be suspended pending the investigation, but maybe i'm wrong...

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Hi,

 

I hope you get some joy with the FOS, most of these charges on your account are re-claimable, I think they only take any notice once you file at court, hopefully you won't need to go that far.

 

Regards.

 

Scott.

 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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  • 1 month later...

Dear Caggers,

 

Update for those interested....

 

Littlewoods/Shop Direct are starting to harrass me with the telephone calls again. So far, just the 3 calls in 24 hours.

Despite the fact that they have been given written notification of how I wish to be contacted ( writing only ) they recommence the telephone harrassment.

Despite the fact that the account is being investigated by the FOS, they persist with the harrassment( written form )

Despite the investigation, they persist with adding charges for non payment ( i'm not going to pay what I don't owe,especially as it's under investigation at the time! )

Despite them being aware that every telephone call distresses my disabled wife, they persist in the harrassment.

 

I can take the harrassment, but my disabled wife can't ( nor should she have to ). I want to come down on these morons like a tonne of bricks, but I know that my frustration and anger would come through and I'd end up behaving offensively and irrationally.

Does anyone know of any sensible course of action / legitimate legal threat I can make them to get them to back off whilst the FOS complete the investigation?

I thought about threatening them with the police ( as I would with any other person causing harrassment )

All advice and suggestions gratefully received!

Yours in annoyance and frustration

 

Bramblebuster

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If they ring again you could also tell a little porkie that worked till I got my real machine. Tell them all calls are recorded and you have a true call machine that logs times of unwanted calls and origin, worked for me with them, although they have now past it to a dca, but it still stopped the harassment. Ask them to put a note on the file that you have told them no calls contact and you will be gathering proof to make a harassment claim against them.

 

In meantime log the calls

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