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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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Provident must be getting desperate.


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On leaving house yesterday and getting into taxi was stopped by man who said willing to offer me 500.00 there and then. I said I was too busy and trying to make my excuses he said he would call back later. Now I havnt been well and nearly got myself in trouble again, but my son stopped me thankfully.

 

He came back and seemed in such a hurry and I felt I couldnt take control, so as it was I ended up signing an intention of wanting loan or something like that and he said he would come back the next day to give me the money.

 

Son went mad and at only 15 is wiser than his years. You see its holiday time and hes been pressruing me beyond belief to get three xbox games he aparantly will die without, for the way he was going on anyhow, so for the nagging and the guilt I had just speant the last of the emergency money on wool to try to knit a jumper, I was not with it.

 

Anyhow son said no dont do it and said he would tell the man where to go if I didnt say no. Anyhow man arrived and told me he could as on benefits only give so much but that he had got it there and I said I am sorry but have reconsidered and changed my mind.

 

He said why as wouldnt take no as a simple no and I ended up feeling like I had to tell him, told him son was against it and he as it turns out is wiser than little old me and the provvy man said well isnt it up to you and not your son and I said sorry but I dont want it.

 

A couple of hours later the door knocks and I was expecting the heating engineer and it was him again asking if I had changed my mind. I said no and he still tried to give me his card with number on. Desperate eh?

 

Anyhow I was nearly silly as caught on hop and I have problems saying no to people that I thought I had improved on, but shows least ammount of pressure wether son nagging or whatever and I am easily led if loan man comes a knocking.

 

Lets hope my son links his nagging and tantrums to the fact I have to pay for it somehow. Hey he stomped his feet and said no loan, why doesnt it work when I say no xbox game:lol:

 

So the provvy dont like you saying no lately and through all of it and asking for interest rate three times I still didnt know what I was signing up to due to the only thing being an intention for a loan signed, be warned xx

 

I personally think door to door loans should be against the law unless a person rings them to come and call., then people easily caught off the guard like me, wouldnt have a chance to nearly be so silly xx

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Funny thing is when originally said had change mind and sticking to it, he stormed off with 'whatever' he was annoyed at me very annoyed, so why the hell did he come backs what got me xx

 

Imagine what he would be like if couldnt make a payment? :(

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WRITE to the Provvy head office and say that you do not want the loan and have not taken any money from the agent and could they confirm that they will not call on you again.

 

Does sound like desparation, perhaps the guy was after a big monthly bonus.

 

Susan

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