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    • I had exactly the same issues.   Grossly over estimated bills from January onwards.  Despite what they claim, they are effectively taking an interest free loan from their customer base to keep the company in business.   They can dress it up how they like.  It’s irrelevant if they reconcile the bills the following month because they just over bill again thus keeping a rolling interest free loan.   it took two months of constant badgering to be finally moved to a fixed DD.   Once that was done I didn’t care how much they over-estimated by.   I had raised a query with the ombudsman over the billing fiasco and they readied a complaint should I wish to proceed.   I thought everything was sorted until May/June whereby I was allegedly more in debt then I was expecting to the tune of an extra months DD.   On querying it, it transpired that even though I was on a fixed monthly DD, because the bill was generated less than 5 days before the DD was due to be taken they didn’t take the DD.   They offered £5 compensation by way of apology but wanted to take two months DD in June.  I told them where to get off.   With appalling customer service,  bills that you need a Maths degree to follow, and I do have one and still struggled, inability to follow through on any agreements, constant gross over-estimation, the missed DD was the final straw and I proceeded with complaint to ombudsman.   Prior to getting to that stage I had to quote Symbio’s own complaints procedure to them to get any sort of response.   Their final offer to me was £25 goodwill and to waive an exit fee. The offer was derisory given the time it had taken to get things sorted and the continuing ineptitude.  Also, the whole thing has dragged on so long (5 months) I was already in the final 49 days of my contract and therefore there were no exit fees to pay and therefore nothing to waive.   Anyway, upshot is, ombudsman found in my favour.  Ordered an apology and a goodwill payment. Symbio appealed but were told the decision stood.   This week I received the goodwill payment.   I promptly left an honest and truthful review on trustpilot.   The next morning I received an email from Symbio with an apology.   This was followed an hour later with an email from trustpilot saying Symbio had replied to the review.  On reading the response they have accused me of not following procedure and of cyber bullying.   The company is a complete joke.
    • why not simply tell you supplier they have the wrong meter number you been paying for usage , and ofcourse you can view this online too so its not as if you'll owe anything you might get a nice surprise and find you are owed a refund.
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    • I would add, many companies have done everything possible to manage and carry on in difficult Covid19 circumstances to supply customers with what they need.   Continually making excuses for delays is not what I'd want from an installer and maybe the £100 deposit is not so important.   Get this deposit back if you can but, more importantly, find a local installer recommended by family or friends to carry out the works.
    • Hello all,   I hope you can assist me, as I am quite lost and confused at the moment.   Two years ago I moved to my actual flat. Throughout this time I have been with EDF first and now EON. When I moved in, my landlord didn't quite know which one was my meter and I picked the one that I believed was mine (now reading you I know I should have done a burner test..). During this time, I have been paying my bills and submitting the numbers that I believed mine, which actually agreed with my consuming patterns.   Today, all the meters appeared with numbers, but the one next to the one that I was using, which appeared with a different flat number. As you might have guessed, none of them had my flat number. I have just made the test and it looks like that one may be mine.   Now, how should I proceed? I have been paying bills is not like I wanted to avoid paying, but clearly there has been an issue. Could you please advice me on how to proceed?   Lastly, in terms of meter serial number, the one that I was using matches my bill and I guess my neighbor bill. The additional doubt I have is, who is paying for my meter and why are they still providing me with gas if no one is paying the one that seems to be my real meter.   Many thanks!    
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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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Another complaint about carcraft, warranty and practices.


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Hi all,

 

Purchased a car from Carshaft on the 21st Nov this year and looking at my online bank statement I seen a payment thats gone out to Premium First.

 

On further checking with my bank its associated to Creation Consumer Finance Ltd and Carshaft sorry Carcraft.

 

At the point of sale at Carshaft the sales guy stated that due to my finacial history they could not get the full cost of the car so a 2nd agreement has been taken out to cover the shortfall, this we accepted and signed for and at the point of sales the sales guy said to me and the misses that all warrenties are free etc etc.

 

Now we find out that Carshaft have made us sign an agreement making out its a top up loan but thats not the case, we have not received any paperwork or any agreements at all for this crafty, con way of doing business.

 

I've called the complaints dept at Carshaft and they said they cannot and will not do anything about it because its gone over the 14 days cancellation period and they have signed agreements stating we accepted them. Carshaft at Newport also say they cannot and will not do anything about it and Im pi$$ off and tempted to go to Newport with a baseball bat just for the fun of it.

 

How can they be allowed to get away with faulsly selling a unsecured load makeing out its a top up and in fact its for a warrenty we did not want or agree to at the point of sale but we signed because we thought it was just a top up load for the full price of the car and the sale guy said that.

 

Im fuming and ready to baseball bat that sales guys knee's I can tell you.

 

 

Anyone willing to help.

 

 

PS,

They never gave us any signed agreement at the point of sale and the only agreements we have are 2 copies of the same one for the car itself.

 

Ahhhhhhhhhhhhhhhhhhhhhhhhhhh :mad2:

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Further update.

 

Been in contact with trading standards and explained all, they say Carshaft are in breach under S56 of the credit act and they and Premium First are joint responsible.

 

I've again contacted Premium First and stated the facts and they say that they dont have any agreements and the sale was carried out as a Telesales account, therefore done over the phone by Carshaft.

 

They have stated for me to put my complaint in writing to there complains dept (which I will) and they will get in contact with Carshaft and get the agreement cancelled and payment refunded.

 

Now watch this space.

 

PS,

Did call Carshaft at Newport and said I'll be down and over their counter if its not sorted, not a happy bunny.

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http://news.bbc.co.uk/player/nol/newsid_7040000/newsid_7042500/7042528.stm?bw=bb&mp=wm&news=1&ms3=6&ms_javascript=true&nol_storyid=7042528&bbcws=2

 

Does anyone have Barry Nightingale's email address or any email addresses of any MD of Carshaft.

 

Scrap the above, did a search and found this:

 

Barry Nightingale Resigned as director on 22 Jan 2009

 

Looking for email addresses for:

 

Julia Phipps

Robin Garry Bridge

Michael Walsh

Neol Francis William Mckee

Darren Thomas Mckee

Edited by Realist

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First thing I would do is cancel the DD through my bank and request (read as demand) that they refund the value paid against that DD back into my account immediatey. Remenber, the terms of the DD guarantee state that "if a mistake is made the funds will be reunded to you BY YOUR BANK" It is then up to your bank to get the funds back from the 3rd party.

Edited by crem
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But thats not quite right is it.

 

If I cancel the direct debit the finance company will come after me for the monies owed as they will say they have a signed contract and DD details so they are entitled to call for it. I will pay the DD so as not to cause other problems and get the agreement cancelled and then get all monies paid refunded.

 

Also, the bank will also say they have a signed direct debit giving them authorisation for them to pay therefore its not a reason for them to refund as I know where the money is going.

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If it isn't for what you were told it was, then they are in breach of the DD guarantee.

You don't need your bank to "agree" to cancel the ongoing DD, you can do that online yourself or over the phone to your bank. They have no grounds or right to refuse your request, you only need them to agree to recall the money already paid.

 

I would still do it if I believed I have been misinformed of what charges are for and put the pressure on them to prove their charges are valid and correct. The first thing that happens when you cancel a DD to a company is they will write to you telling you your bank has refused their DD request and asking you to set up a new DD. At that point you can ask for "clarification" of what the payment is for.

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I now what the payment is for, its for a unsecured loan for a warrenty that I was missold by a Carshaft saleman whom told me it was a top up loan and the warrenty they provided was free.

 

As far as the finance company is concerned they just paid Carshaft the money for a warrenty.

 

My argument is trying to get the warrenty cancelled because it was missold as I didnt want it or need it and the sales guy knew that right from the off but made out that it was a top up loan.

 

Crafty Carshaft and its under handed tactics.

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I am also having trouble with carcraft at newport, I dont mean to hijack your thread but you said there is a 14 day cancellation period? does that apply even if you signed at their premises?

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  • 2 weeks later...

Update.

 

Been contacted by Linzi whom works for Carcraft customer services on 01706 753*** after she spoted my post ON ANOTHER FORUM and within minutes of me contacting her she called me back and stated that a letter has been sent via special delivery stating the warranty has been cancelled and also a suprise was in the letter as well.

 

Will post back with the outline of the letter and what the suprise is....................... naa I wount.

 

Why, because I didnt get one cent of help from this forum and had to resort to posting on another site which provide a resolution within days.

 

Regards

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oh god he's goona come after us with a baseball bat now too..

 

it was nothing to do with good or bad help here

it was solely to do with a member of their staff spotting your thread title

 

shut the door on the way out too.

 

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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Guest Carcraft Customer Service Manager

Hi All

 

Linzi here, if anyone does require help from me, i would be grateful if you could contact me on here due to MSE not being best pleased with me for resolving a complaint that was on their forum.:mad2:

 

Therefore i will be unable to assist with anything that is posted on there for the time being.

 

Thanks

Linzi

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Hi All,

 

Now LInzi has posted on here Im pleased to say she resolved my problem fully and refunded my payment with thanks.

 

If anyone has a problem, please contact Linzi asap and Im assure whe will bend over backwards to make sure your happy.

 

Regards

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good

 

i'm glad you put away the baseball bat before she did that...............:lol:

 

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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Guest Carcraft Customer Service Manager

Cheeky!

 

good

 

i'm glad you put away the baseball bat before she did that...............:lol:

 

dx

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Guest Carcraft Customer Service Manager

Hi

 

A post seems to have been taken off - i got an email stating this was on there:

 

Hi Linzi

Thanks for helping out via this forum. I actually don't wish to slag off the selling techniques of CarCraft on the Premium First warranty - but could really do with some help regarding the aforesaid warranty.

If you can PM me that would be great. I tried to PM you but CAG wouldn't let me. That sucks :)

Thanks

Chris

 

As you couldn't PM me, please give me a call on [edit] and i'll be happy to discuss anything with you Chris.

 

Thanks

Linzi

Edited by dx100uk
no phone number pse -dx
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