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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.
       
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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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Kings Hill?? Who on earth are they and why have they given me a credit card????


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Morning all

 

I am in a bit of a panic! I have just been having a look at my credit ref file on Equifax, i cant see the actual file detail because my free period has finished - however......there is an alert on there stating that a new credit account has been added and that it is a credit card - they even give a credit card number!!!! and the provider is listed as Kings Hill No 1 ltd/M&SFS.

 

Now have done a bit of digging on this site and think Kings Hill are a DCA - is this right?? But surely they dont issue credit cards - and I am concerned that the other letters may stand for Marks and Spencer Financial Services - i have not applied for a card with them. Indeed, I'd never get one anyway in a million years!!

 

Any ideas what this entry could be? I am sending off for my up to date file which will hopefully tell me more but in the meantime am a bit worried about identity fraud or something else sinister.....

 

 

many thanks for any help recieved

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Yes you are right, this ridiculous idea is Euifax latest [problem] with the DCA's

the the scheme allows ''The New Owner'' of your credit card contract

to post up exactly as you have seen:-x

I would be inclined to check Experian as well.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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It allows the debt has been sold to the DCA they have taken over the contract

as originally signed by the debtor Equifax now allows DCA's to post that they own

the contract therefore it is a credit card fom xxxx.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Thanks for your replies everyone. Cannot believe this has reappeared on my file - I wouldnt mind but I paid the damn thing off with a F&F settlement over a year ago!!

 

I guess I will have to contact Cabot to get them to remove it, have already emailed Equifax. It seems so wrong that they can just do things like this without any authority, or knowledge at all. :-x

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