Jump to content

  • Tweets

  • Posts

  • Our picks

    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
      • 49 replies
    • 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.
       
      • 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!
        • Thanks
        • Like

Please note that this topic has not had any new posts for the last 3337 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

hello i have just been sent letters fron hfo regarding a barclaycard account. one was a notice of assignment from hfo then a few days later one fron barclaycard. i called barclaycard and they told me they sold the debt to hfo in sept 2007 and that they wouldnt have sent this letter. i asked barclaycard to sent this in writing but they refused. i recieved a letter from hfo along with a printout of my credit file and then another saying i had 72 hours to respond otherwise they will start legal prodeedings against me along with another printout of my credit file how should i deal with this?

Link to post
Share on other sites
  • Replies 404
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Posted Images

Read up on some of the active HFO threads here, the rest of the 'fan club' will be along to add more advice.

 

In the meantime ignore the letters, you can send out a 'Prove it'' letter but it may be best for others to add their opinions first.

Link to post
Share on other sites
hello i have just been sent letters fron hfo regarding a barclaycard account. one was a notice of assignment from hfo then a few days later one fron barclaycard. i called barclaycard and they told me they sold the debt to hfo in sept 2007 and that they wouldnt have sent this letter. i asked barclaycard to sent this in writing but they refused. i recieved a letter from hfo along with a printout of my credit file and then another saying i had 72 hours to respond otherwise they will start legal prodeedings against me along with another printout of my credit file how should i deal with this?

 

Best to post your docs here so people can see what you are up against.

Link to post
Share on other sites

Keep posting any old stuff so you can get your post count up; you need 20 posts to attach documents. in the meantime, get scanning what they have sent you.

 

A subject access request to Barclaycard is a must, as is a CCA request to HFO.

 

Can you provide any more history on the account?

 

Is the notice of assignment dated recently? Or backdated?

“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

Link to post
Share on other sites
barclaycard also told me all the paperwork for this account was sent to hfo

 

Well, we know that’s a load of b*llocks. This NEVER happens.

“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

Link to post
Share on other sites
ok ty i have been reading some threads but given my username which by the way is the one i use for bingo has made some people a bit suspicious but i can assure i am genuine.

What this Bingo

 

bingo-banana-splits.jpg

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

Link to post
Share on other sites
the one from barclaycard i have mislaid it but i know it came a few days after the one from hfo im trying to find to get the exact date

 

And it was definatley from Barclaycard? How can you be sure it ws from them?

Link to post
Share on other sites

i called barclaycard and they said it was not from them as they had sold the debt to hfo in sept 2007. i asked they guy to send a letter stating that but he refused but i have his name.

Link to post
Share on other sites

Please record any calls you make.

“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

Link to post
Share on other sites

Get yourself an account at photobucket.com, and upload your images. Copy the [image] reference for each picture and paste in your thread.

“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...