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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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Arrow Global impersonating the Halifax??!!

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Hi all,

i havent posted for a while because thanks to this site I know how to deal with most letters that come through the post. however this is a situation I have never come across and whilst I could just do a prove it or p*** off letter Im sure there must be something I can hit them with, i shall explain.


2 days ago I recieved a letter from Arrow Global stating they have the rights to my Halifax credit card debt, my initial thoughts were fine prove it, as I have in the past requested a CCA from the Halifax and know it cant be found!

But in the post also was an identical letter, exactly the same postmark, serial numbers on the envelope, identicl return address on the back. But inside was a letter from the Halifax stating that they have given Arrow global rights to my debt. This letter is definitely not from the Halifax, the halifax logo is clearly a photocopy! the two letters have serial numbers up the sides off the printer or something. They have been printed at the same time, And I would say in the same place!

What can I do?

Id love to ring them and say I know its not from the Halifax you idiots! Surely if its true theyve printed this pretending to be an official letter from the Halfax then that is fraud

Im fuming that they can do this


Any help appreciated


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You can write to the Halifax enclosing a copy of the letter stating you believe it is a forgery and that you are planning to report the matter to the police. Give the Halifax about 7 days to explain why you shouldn't do that.

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  • 3 weeks later...

I too have received a letter from Arrow global, and from RBS (allegedly). The are both on the same paper, sent from the same place and signed by the SAME PERSON?? How can they possibly think that we would believe this? I would like to write to RBS to ask them to investigate as advised above, but if I do this do I put myself in a position where I can be held accoutable for the debt? I believe the debt is 5 years old, and as I live in Scotland that this debt is statute barred and unenforcable so if I reply to this letter could I be accountable? thanks

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Well the update is Wescot sent me a letter asking me to forward the letters so they can investigate ( I dont think so!)

The halifax also replied stating that they have no recollection of any dealings with Wescot although they do acknowledge that my alleged debt was being dealt with by Arrow Global more than 12 months ago!

NOt sure course of action to take now, thinking some kind of CCA request to arrow global and notice of assignment req having been down this road before with the Halfax know there is no CCA and think nearly statute barred!

With Wescot Im not sure maybe put all evidence together take copies and send to whoever is regulating these people

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Gilly5001...bit of a mess,based on the reply from Halifax why not just send each company " I have no knowledge of the debt letter" letter template in library,with an added line the matter is now closed,This will either produce a quick reaction or they may just accept the matter is closed.


There are other possible responses I just feel the above is the best move, or just ignore them


Regards FS

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  • 4 weeks later...

I was interested in your thread as I too received a notice of Assignment from RBS to Arrow Global and noticed the similarities between the envelopes and letters (we're not as stupid as they seem to think!)

However looking further into Arrow Global their website states "Arrow Global is majority owned by the RBS Special Opportunities Fund, which has extensive experience investing in UK financial services"

This implies that Arrow Global are a part of RBS as I believe are Halifax.

I am not sure what implication this has regarding the legitimacy of their claims, but this information may be of use.



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laura Hi RBS s.o.fund owns majority of Arrow Global


Halifax is HBOS ie Halifax and Bank of Scotland and Lloydstsb.at this point in time HBOS holds its own licence as does Lloyds


Halifax once they have gone down the Blair Oliver & Scott route revert to a selection of DCAs amongst them Arrow Global


It would appear Arrow are to watched very carefully and their purported legitimate claims


Regards FS

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