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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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'Goodwill gesture' letters?


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I've been on a mission the last few months to repair my credit file after finding a lot of errors on my report. Some things were simple to fix (incorrect entries etc), but the biggest issue was a £17k default for a London Scottish secured loan that was supposed to be repaid years ago when I split with my ex and we sold our house. LS said the loan wasn’t fully cleared from the sale proceeds and defaulted the £17k outstanding balance, but the solicitors said they paid exactly the amount LS asked for and provided proof of this. LS tried to blame the solicitors, basically accusing them of malpractice, but the solicitors stuck to their guns. Finally, after ten long months and dozens of letters flying back and forth, LS have finally acknowledged that it was their error and have confirmed that they are waiving the outstanding balance. They are in the process of removing the default, so everything on my credit file will be lovely and green!

 

 

The only negative information on my file will be a few missed payment markers on a Vodafone mobile phone contract and an Abbey personal loan from five years ago. Finances were a bit tight after splitting from my ex and I got behind in my monthly payments, but the accounts were brought up to date within a few months (they never defaulted), were always kept up to date afterwards, and were settled in full four years ago. Overall the accounts show ‘green’ but obviously the missed payment markers are still there and will remain on my file for another two years (six years from the date the accounts were closed).

 

 

I know in the grand scheme of things a few missed payments from years ago probably won’t have much effect on my credit rating, but I’m determined to get a ‘perfect’ file now if I can. So I wondered if anyone has had any success in getting entries removed before the six year limit by asking for a ‘goodwill gesture’ from the company in question? If so, is there a template letter I can use?

 

 

Thanks!

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  • 2 weeks later...

Hi HL123,

 

Whilst I can't make any guarantees on the outcome I'd be happy to take a closer look at the Vodafone side of things here if you'd like to email the details of the airtime account in question across to me by following the details in our pinned thread here http://www.consumeractiongroup.co.uk/forum/showthread.php?213340-Vodafone-Webteam-for-Customers-With-Problems

 

Once sent you'll receive an automated reply with a reference number. Could you update the thread with this to enable me to make sure it reaches us and I'll get back to you as soon as I can?

 

Thanks,

 

Lee

 

Web Relations Team

 

Vodafone UK

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