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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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Lpa receivers taken my two btl's!!!!


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hello all

 

lpa receivers have marketed my btl for sale. I have had no correspondence from them what so ever. When it went in their hands i spoke to my mortgage provider (the west brom) and they told me that the reveivers will collect the rent on my behalf and that once the account was back up to date, they will look to transfer back in my control, so i left it at that, and what ever costs had been occured they will bill to the account.

 

i have two properties that they have taken but only one has been marketed yet.

 

is this not illegal?

what can i do to stop them from selling it?

can i get control back of it?

 

it has just come on the market at £30,000 less the market value.

 

 

please help

 

very distressed

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hi thank you for viewing

 

no the accounts are still in arrears.

 

the property that they have marketed might be up-to-date but unsure, it had a long term tenent in who has left since they took over.

 

 

how can i stop them selling it and get control over the properties?

 

the second property has not been marketed, yet.

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Afraid I dont know the answers, there are a lot of people on this site experiencing similar problems with LPA receivers, and lack of information etc.

There was talk of a group action at one stage, but I think that may have fallen by the wayside.

Im not a BTL victim personally, but have been trying to put ideas forward for those who are.

Ive been looking at unconscionable conduct as a cause of action, but a lot more research needs to be undertaken on this topic.

 

Hope someone else comes along soon who might be able to assist.

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after looking around, all sorces point back to lodging a n244 form under sec 91, law of property act 1925.

 

i have the form with me

 

have you any knowledge of this because although many point in this direction none really go into depth.

 

thank you again for looking

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diddled your right nothing there to work with,you have to use the n244 to apply for a hearing to set aside the sale and return the property to the owner,not eassy unless you can prove the whole process was unlawfully carried out,nowayman will evidence that the process was illegal.

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the reason i metioned lpa1925 was because it was mentioned on other threads but not in detail. i think it was lpa 1925 (2) that was mentioned.

 

but i think i will be better off going to a solicitor.

 

thank you for looking

 

if there is anyone who has been in a similar position and has had success in fighting the lpa recievers please do get in touch.

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There is CML industry guidance on BTL arrears and repossessions, maybe worthwhile you having a read of it to see if the lender has complied with the guidance. On saying that it is only guidance and not set in stone.

 

Search Results[PDF] Industry guidance on buy-to-let arrears and possessionsFile Format: PDF/Adobe Acrobat - Quick View

Industry guidance on buy-to-let arrears and possessions. Introduction. The Council of Mortgage Lenders has issued guidance on handling arrears and ...

http://www.cml.org.uk/.../Industryguidanceonbuy-to-letarrearsandpossessions.pdf?... - Similar

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  • 2 months later...

Re: LPA Recievers

 

 

If like me, you have baan affected by the appointment of LPA Receivers you might like to know that a campagin is underway to fight this injustice. It is being supported by other landlords, MP's and other organisations. It offers support and an opportunity to reverse the devastating effect this had on so many people. Let me know if you want to get involved.

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We are portfolio company and we are trying to work closely with those affected by LPA recievers. We are meeting with three MP's and a highly successful barrister this week, hopefully some leglislation will be passed to stop what is happening. If you would like to get involved then please call us on 0330 9995050 (pressing option 4). If your BTL are being taken when a tenant could cover the rent then I just dont understand? Look forward to hearing from you.

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