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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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Old acc from 1987 with funds Abby now Santander saying it cannot be located..


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Hi All i need some help! I have an old account from 1987 with funds in the account with Abby which is now Santander.

I have recently come across the passbooks and have tried in the bank to claim the money, who advised me to use the website mylostaccount to trace, this had no results so i then wrote a complaint letter enclosing copies of the passbook i have showing the last balance to have funds. I have received a letter back saying they have been unable to trace account and that they are only legally required to hold information on a closed account for a max of 6 years?? And that the passbook is not evidence that the account has not been closed as they dont always mark or ask for the passbook when accounts are closed.

Can anyone tell me where i stand, should i take this further?

 

Jody

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Hi Jody and welcome to CAG.

 

Santander are right in saying the passbook is not absolute evidence that the balance remained with Abbey.

 

Approx how much is involved.

 

I'm sure Santander have access to data beyond 6 years, even though they may not HAVE to keep it. However, 24 years may be pushing it a bit !!

 

8-)

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Hi Jody,

 

Jeepers, so we're not talking about small change here !!

 

I have to ask this, for obvious reasons.............

 

Are you positive that the funds were never withdrawn - this could have been done without the passbook.

 

I'll seek further input on this.

 

8)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

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Contact the British Bankers' Association (BBA), the Building Societies Association (BSA) or the NS&I directly for their forms if you do not have Internet address or prefer to trace dormant accounts by post.

 

 

Enter you name, address and contact information online or on the forms. You will need information on any previous names you have had, such as a maiden name, and previous addresses. Information on account numbers and date and location where the account was opened is helpful. Submit your application online or mail each application to the address indicated on the form.

 

 

Wait for the results of your request. It can take three months for a complete search. If you have a dormant account, you will receive information about the balance and how to retrieve the funds.

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

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17 Port & Maritime Regiment RCT

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just to give you some encouragement.

 

when my friends father died in 2007, during the sort out of his affairs

he found a childrens passbook and ins cert opened by his fathers mother in 1926!

with the co-op.

 

she paid in various regular sums right up until her death in in the early 50's

 

the bal was some +£7k

 

as sole exec, the co-op buffed him off with various excuses for 18mts directly or via the will solicitor.

 

http://www.mylostaccount.org.uk/aboutus.htm

 

as pointed already was the key to it.

 

the bba came back quite quickly [about 5 weeks]

 

lo and behold, the co-op DID have knowledge of the A/C and had found it through the insurance poilcy, even putting a note on the account about his earlier enquiry!!

9mts before eventually saying there was nowt more they could do and the 'passbook' gave no indicators to the money.

 

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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Hi Jody,

 

Jeepers, so we're not talking about small change here !!

 

I have to ask this, for obvious reasons.............

 

Are you positive that the funds were never withdrawn - this could have been done without the passbook.

 

I'll seek further input on this.

 

8)

 

No the money has definately not been withdrawn, i have always known there was an account but the book was left somewhere at my mothers and she died recently we then found the book when clearing the house. I just never realised how much there actually was in the account.

 

I have also just noticed at the back of the book it states you are not able to make a withdrawal without this book? You would think that might proove something?

 

Jody

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Hi Jody,

 

I know what you are saying about the book being required for withdrawals. But, if a book was lost, there are always measures in place to facilitate withdrawal by alternative methods after proof of identity, address, etc.

 

However, from what you say, this is unlikely to have happened.

 

I assume you have also considered the possibility that the account balance could have been transferred into a new investment product with Abbey.

 

I hope the input from others above proves to be helpful to you.

 

Please let us know how you get on. 8-)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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