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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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I hope this is posted in the right section.

 

ive recently decided t take the plunge and get on the property ladder, so i spoke to a family friend who is a mortgage advisor, she advised me to get an experian credit report before applying anywhere.

 

My credit report showed two defaults. She told me that i should look into getting them removed before i apply for a mortgage as i would get better rates and more available lenders.

 

The two defaults were;

 

1. Capital one - £618 - satisfied - says i defaulted in April 2007. It doesnt say the date this was paid off but i remember paying by the end of 2007.

 

2. Credit account management (littlewoods) - £84 - satisfied - says i defaulted august 2007. As above this was paid off around the same time.

 

 

The reason i sadly defaulted on these two accounts is that i was self employed back then, contracts ended and i was unemployed for 4-5 months, penalty charges were added and i was unable to pay, i reclaimed the penalty charges a couple of years back on the capital one account, this was paid directly onto the ballance. I did try to use the PPI to cover me whilst i was unemployed, but was told that the insurance doesnt cover self employed people, so i was refunded the PPI due to being miss sold the policy.

 

To test the water i called littlewoods, who then told me to call Phoenix debt recoveries, as they held the account. I spoke to a lady on the phone and asked if they would consider removing the default, as it was for such a small amount, was a few years old and was casuing me problems obtaining a mortgage. She told me they would consider it but i would need a letter from the mortgage lender saying it had caused a problem. My family friend says that her company policy is to not send out third party letters such as this and most others wouldnt entertain the idea.. I asume phoenix know this.

 

While i cant remember ever receiving a notification that either default would be added to my credit file, i cant swear that i didnt being 3 years in the past.

 

Can anyone advise me on a possible route to removing both defaults.

 

Any help and advise is much appreciated

 

Thanks

Stu

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there are two schools of thought here:

 

1. if the default was the result of a Default Notice by the OC & the arrears figure quoted on the default notice included charges, then that would make the default notice invalid and thus it must be removed.

 

2. there was never a default notice issued by the OC, however, the OC reported to the CRA's on a monthly basis that you has either failed to make payment or failed to pay the correct amount. THis after 6 mts will automatically result in the A/C showing as '8', which is a default status.

 

barring that there's nowt you can do about it bar wait for 6yrs from the DEFAULT date for it to drop off your CRA file.

 

you could try other methods, but TBH they rarely get results.

 

pers, i suspect that there is more to this than meets the eye

if these 'defaults' were 3yrs ago, i doubt a mortgage co would refuse just on those.

 

what is your credit rating score?

 

dx

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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if these 'defaults' were 3yrs ago, i doubt a mortgage co would refuse just on those.

 

Eh? I can't even get a decent rate credit card with a 4 year old and a 5 year old default on my file, let alone a mortgage. Rip off Vanquis is all I could get.

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