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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • 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.
       
      • 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 guys I'm a new member to this site, i found it when I googled hfo services harassment!

 

I recently received a letter from hfo services saying that they had tried to contact me to offer me a settlement on a credit card I took out with Barclays around 7-8 years ago. i checked on experian and I requested a print of my credit report from equifax and there was no sign of any debt to this company on either one.

 

I decided to ignore the letter as i thought it may be a [problem] but I have now received another letter saying I risk court action if I don't contact them.

 

Should I be worried about this, and if there is no debt showing on my credit files with experian and equifax do I even owe them a penny? I'm worried as I have been bad with credit previously but I thought I had turned corner and I am trying to rebuild my credit.

 

Many thanks in advance for any help I receive and I'm sorry for the long post.

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getting desperate now are they?

 

any offer of discounts on old debts are a fleecing exercise

 

 

ignore

 

or type in hfo in our advanced search top right

you need to be clear about the sb date

but if its not showing on your cra, then its a safe bet it is sb'ed

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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:welcome:

 

Do you remember when you last made any payment?

any chance it was 6 yrs or over?

SAM:pLOWELL DETESTER.

 

SO PROUD OF MY AVATAR,THAT TOOK ME WEEKS TO WORK OUT HOW TO GET ONE.:lol:

 

PLZ CLICK MY SCALES IF YOU LIKE WHAT I SAY.

OR IF I HAVE HELPED IN ANY WAY.:smile:

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If you have the details of the account phone Barclays and ask

the date of the last payment, I take it you have corresponded

with any one about this in the last 6 clear years.

 

Brig.

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

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Duplicate

Edited by coledog

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Hi and welcome. Suggest that you do ring Barclaycard and ask when the last payment was made and exactly which company this account was sold to and when Barclaycard recoveries 0844 556 0066

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Thanks Coledog I could not find the No. earlier.

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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HFO are under a 'minded to revoke' licence situation with the OFT, I think you need to contact the OFT and let them know this was received during their investigations.... think they are still trying to catch unsuspecting people.

 

Sounds like this might be statute barred.

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Hi all,Thank you so much for all your replies I definately haven't paid anything on this policy since 2005 at the very earliest and it may be even longer than that. So I will definately give barclaycard a call however it was so long ago I don't think I have any info on the account itself. hopefully Barclaycard will be able to find my details using my name d.o.b etc...Are there any other questions i need to ask apart from when it defaulted and who it was sold to and when?

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Thats all you need to ask for now, try and get them to confirm this in writing.

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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Subbing, cos I like showboating. Apparently.

“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

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Who said that:madgrin::?:

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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Tailgating maybe??

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Update!I called Barclaycard and they said the first default on the account was May 2005 but apparently i made a payment of £100 in June 2006. I asked if the account had been sold on and who to and they confirmed that it was to HFO in October 2007!Any advice/ tips on where to go from here will be greatly appreciated.

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Still pretty close to SB then...

“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

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Well nearly a year off SB unless you reside in Scotland. Do you recognise the payment in 2006 as being made by you?How much is this for? HFO could attempt a court claim if they felt it was worth it or you could request a copy of the Credit Agreement from them under a CCA request as they cannot issue a claim if in default of a CCA request (well they can try)

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Unfortunately due to it being 5 years ago i can't say whether i did make the payment or not as its so long ago and to be honest i was a complete mess when it came to finances which is why i got myself in this position. Fortunately i have a supportive girlfriend who has "taken me in hand" when it comes to sorting out my financial affairs in the last year or so.The agreement is for £1400 so worst case scenario i can pay for it with a bit of tight budgeting but i'm just confused as to why this debt doesn't show on my credit reports for experian and equifax which is why i doubted that i owed them money in the first place.

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Er, hold on. If HFO are claiming £1400 they have almost certainly added interest they are not entitled to, as they have only just informed you of the assignment – a typical story and one to report to the OFT.

 

You must call Barclaycard again and ask what the balance was at the default date.

 

There is also the slight problem of whether they have an enforceable agreement.

“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

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Credit Reports will go on the default date so it may very well have 'dropped off' 6 years after that or may never have been correctly added in the first place.I would be wary about making any offer to settle this with HFO until you have all the facts about their actual entitlement to 'collect' this money. I am not telling you to evade this at all but would certainly make a CCA request to them and possibly a SAR request to Barclaycard. Have you ever received a 'Notice of Assignment' from either BC or HFO and are HFO adding ridiculous interest to the original amount?

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A debt entry is removed from you file after 6 years

if you have paid it or not, so that's why it doesn't show

up.

 

Brig.:madgrin:

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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