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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.
       
      • 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!
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should i be suspicious!!! - welcome finance


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Today i have received a letter completely out of the blue from cattles (brideshead team) saying that i made acomplaint some time ago about PPI and as part of their normal quality control process they have reviewed the outcome and see i had ppi attached to other loans i had with them but did not complain about. They then went on to say if i would like them to reconsider my complaint taking into acount other ppi policies i had sign the enclosed form and send back to them and they reinvestigate.

My question is, why would they offer to look into this for me if it could mean they owe me more money back? Should i be suspicious as my experience with welcome is they do nothing for you unless it benefits them!!

Any advice would be greatly appreciated and as anyone else received this letter.

Thanks, gullible1

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allmost all the micky mouse insurance products from welcome finance are unlawfull and missold

even better the earlier agreements

 

cattles are cleaning house at the moment before its laid to rest six foot under

 

there is prob some clause about any future litagation from debtors in any sale agreement

 

go for it

 

me thinks you are in for a windfall but do nothing until you ask for advice on your thread

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Hi Gullible 1,

 

I got the exact same letter and had exactly the same thoughts as you. To be honest at the time I was offered a settlement figure for my PPI I thought it was a little lower than I had hoped but as I was desperate for the funds I accepted.

 

I am wary that if I reply accepting that they look into my case again can they overturn the decision? Or if they haven't paid me back enough will they write to me and tell me that is the case?

 

Seems strange to me...the reply envelope provided has in BIG letters 'THE PROJECT' above the address for Welcome, maybe that links in with what Post was saying above...

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Or it could be you have a dodgy agreement and they might want you to sign another one thats watertight

Dw.....that is one of my other worries and what i was thinking earlier today, i dont know what to do, i was thinking if i print my name rather than sign on the form they want me to return. It would be a bonus to get something from them but somehow think it is more a ploy to get me into something else!!

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allmost all the micky mouse insurance products from welcome finance are unlawfull and missold

even better the earlier agreements

 

cattles are cleaning house at the moment before its laid to rest six foot under

 

there is prob some clause about any future litagation from debtors in any sale agreement

 

go for it

 

me thinks you are in for a windfall but do nothing until you ask for advice on your thread

Post...thanks for your reply. So do you think i should just send back form, print my name not sign and wait to see what they do next?

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my live signature#

Thanks post for your help and advice. Forgive my ignorance but with regards to the digital sig would i sign the form welcome sent me then upload that onto digital sig? I am not very good when it comes to technical things!!

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I got one too - which I am more than surprise about as they did not "uphold my complaint" I took them to court!

 

I am also Welcome Finance free after getting all mention of them wiped off my credit report and they agreed in writing to go away and leave me alone.

 

So this is very out of the blue.

 

Knowing that they cannot use anything against me I signed the form - I say signed I printed my name as I always did with WF - and sent it back to their "Project head quarters"

 

I can only see a "Project" as being the work of advice from an external agency - probably due to their dire figures in the way of not dealing with complaints properly as published by FOS

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I've had this letter twice now. I received both PPI and a life assurance policy (which was never even properly set up!!) refund earlier this year and like KOP80, I was worried that they'd change their mind if I filled out this questionnaire and say that they'd got it all wrong.

 

I've emailed them about the letter, let's see what they say :rolleyes:

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I don't think they can change their minds - and in my case they definiately can't as mine was in court. I think this is what's called DUE DILIGENCE - so they can say they are now investigating properly. All part of a better Welcome Finance :roll:

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Well I have sent mine off, lets wait and see who gets a reply first, and more importantly just WHAT exactly welcome will have to say!

I know it will be very interesting to see what happens and what they say. Mine is in the post to them, will let u know when i hear back

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I got one of these letters too but mine makes an immediate offer of £100 cash by BACS and £3200 to be paid to arrears on an existing account which is currently disputed. Should I write back asking that they give me the full amount by cheque. I am not happy giving my bank details and signature to Welcome

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I got one of these letters too but mine makes an immediate offer of £100 cash by BACS and £3200 to be paid to arrears on an existing account which is currently disputed. Should I write back asking that they give me the full amount by cheque. I am not happy giving my bank details and signature to Welcome

 

Why is the account in dispute?

 

Dont forget also a lot of that £3,200 will be in charges added to the account - and so you can claim those also.

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  • 2 weeks later...

well i called The Project the other day and they had received my reply to their letter, i asked what happens now and they said they would respond within 28 days.

Has anyone else heard back from them since sending back their form. Still find it all strange why they are now bothering to get in touch and give us back our money they took in the first place (possibly giving it back anyway!)

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  • 2 weeks later...

I've had no reply to the email I sent Welcome. But yesterday I did receive another letter from them - minus the forms and returning envelope this time(even though the letter stated they were enclosed) and there was no reply by date either - they gave me two weeks in the last letter and then they'd close the case. This one was also signed by a different person.

 

I think I'll send them a letter and see what happens. My partner thinks that something was missed when I originally complained and they've realised this cos that's three letters I've had now.

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