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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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Hi Thorn


Technically they shouldn't becuase they shouldn't store the CVV Code (three digit code) on the back of the card, but they are known to still debt the card regardless.

The best thing might be to cancel the debt card, so they can not take further monies.

If they do take further monies contact the Fraud Department.

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Thanks for your reply. I have cancelled my debit card now, but still have the same account. Are you saying that they can only still take the money if they store the CVV number? My plan is not to tell them I have defaulted until 31/3/11 when my loan of 3805 is due to be paid in full. Then I ma going to offer them £200 a month for four months. The original loan was £620 with swift sterling so £185 is interest. Can they add morew interest if I default?

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They can add interest, default charges, collection fees, more interest, fees for letters telling you, you have defaulted the list is endless.


everything must be as stated in your credit agreement, so this will give you an idea, but if you look through this forum its not unusual to see debts double or even triple.


however, your proposed offer of £200 per month is more than reasonable, try telling them before you default they may accept this and hold charges, you have nothing to lose and it could save you a lot.

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Thanks for your reply. I will take your advice and make my offer before money is due, but from what I have read on the forums, I understand I should pay them by standing order- Is that correct??

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oh yes.


they will try every trick in the book to get your new card details, do not give them out they may attempt to strip your account of every penny you have.


standing order or direct bank transfer only

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just watch for a sneaky DD they might try set up ,as they have your account details.







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I've had money taken off a cancelled Halifax debit card, 6 months after it was cancelled. Couldn't get money back from Haliax because I had given original card details to PDL company so they didn't consider it to be fraud. I really would suggest setting up a new bank account and blocking the acccount that the PDL companies have details of, so that no money can be taken. Keep an eye on your accounts as I've had companies try to set up DD's.

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Direct debits are fortunately easy to reverse if you notice it on the day it comes out (so check your account daily) as the bank can reverse the charge.


Fortunately there is a guarentee from banks relating to them.


Card payments are almost impossible to get back. It depends on the card as well. I believe if you cancel a visa debit it is still possible for them to get money from it (by way of recurring payment authority or something). I believe that this type of authority is not allowed on maestro cards so cancelling should work with these.


I wouldnt take my advice though. Just open a new account.

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Thanks all of you. I have contacted swift sterling and they were very nice but when I said I can't pay this month the woman said " sorry we don't do rollovers and your account should be paid in full on 31/3/11" When I asked well what happens if I don't pay, She repeated the script and said I will get a call from an account manager on 1/4/11 to discuss it. They were very swift!! in answering my email and very nice on the phone so far!!!


I am going to test the waters this month by keeping my account but I have a new debit card, I am going to ring my bank a day or two before my payment is due to check no direct debit has been set up bty swift as I have other essential bills coming out. If it goes wrong this month and they take the money in full I will reloan for one more month then get a new account for next month., because I cant go on living under the stress of paying out most of my wages each month to PDLs.


Do you know I tried to open a halifax basic account and it wouldn't accept me because I have had a CCJ in the past three years despite working full time with a regular income of £1500 a month. I cant even get a basic account!! I currently have a barclays account.

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O yeah when I asked if any more interest would be added if I default she replied " a one off fee of £56 or was it £59??? can't remember now, I thought that wasn't too bad, thought it would be a lot worse. I said what if I haven't paid by 30/4/11 and she said no more charges would be added. lets wait and see.

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That really surprises me about Halifax as I was able to open an Easycash account with a very bad credit rating, my current account in management and a CCJ within the last year. I was already a customer though so maybe that was the reason???

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  • 4 months later...
  • 1 month later...

hello, im in a bit of a sticky spot with lenders atm, my own fault granted, i owe £500 odd to Wonga. and £180 to Minicredit. now, i am un-employed and have absolutly no means of paying anything.. both loans are due towards the end of this month.. my first though was to cancel my debit card, delete it, and move to another bank? would this work?

Also if i switched bank, would my credit report start over or am i stuck with this rubbish for a while?

any help really welcome and needed! am only 18, and i dont really know too much about the financial world lol

thanks in advance (:

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