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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.
       
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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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pinnacle insurance.(pppfor first national loan)


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i was involved(my partner really)in litagation with a loan company 1st national

 

he was made redundant and he had ppp so we asumed we would be ok

not the case

we were so close to loosing our house i also set off a chain of events that lead to severe hardship and depression

i had a new born baby at the time

pinnacle insurance wouldnt pay the monthly payments as my partners ex employer refused to have further correspondance but the origional documents sent were lost by them.

which meant that if it wasnt for my father (who lives near russia by the way)intervening i would have lost my house as they pulled out a repo order

this cant be right of fair

i still have documents from the time it was april 2002 my daughter was born may 2002 nice timing eh!

i spent most of that month stressing out

1)wintermare vs abbey

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perhaps i could try for latent damages,defamation,and puntitve charges +court costs, each a different case.

any thoughts

1)wintermare vs abbey

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  • 2 weeks later...

I also had problems with pinnacle. I worked employed for a company 3-4 years ago and the company went bust. The owner skipped the country owing many hundreds of thopusands of pounds. I could not prove to the benefits people that i had no money and was made unemployed as we all had no paperwork, other than our word for it.

I tried to claim for my loan with Pinnacle PPI and they refused on the grounds that i needed to actively sign on unemployment benefit to prove that i was legally unemployed. Claim denied and therefore refused so i ended up not recieving any payments towards my loan and ended up with a claim for missed payments and taken to court in default. the court awarded costs and favored the loan company and i got a huge debt5. about £3300 punds.

I would not mind but it was for a suite from DFS that lasted 4 months and collapsed. had to be repaired 2 times and on the second time they managed to spilt the armchair with a one and half inch split in the leather.

they also strung me along for over 1 year with no compensation. Pinnacle are not worth the paper they are written on. Many letters never even helped in explaining that signing on is not the only proof of unemployment.

REWARDSNOW AND CREDITSCOREMATTERS ARE NOW GETTING THEIR COME UPPANCE, I WILL MAKE SURE OF THAT

 

Grabby bank are the thorn in my side.

Claim issued 31st may 06

Served 5th june 06

Judgement obtained 20th june 06

Claim amount 1305.19 inc costs

CCA letter sent to Activ Kapital (now in default. 60+ days have passed)

CCa letter sent to Close management(21st june no response what so ever)

Data Protection Act letter sent to Black Horse(21st june no response so far)

Data Protection Act letter sent to First National(no response either.)

DFS has succumbed to my request for a new suite as the last one was not fit for purpose

All letters sent recorded and signed for.

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yes please would love some help.

REWARDSNOW AND CREDITSCOREMATTERS ARE NOW GETTING THEIR COME UPPANCE, I WILL MAKE SURE OF THAT

 

Grabby bank are the thorn in my side.

Claim issued 31st may 06

Served 5th june 06

Judgement obtained 20th june 06

Claim amount 1305.19 inc costs

CCA letter sent to Activ Kapital (now in default. 60+ days have passed)

CCa letter sent to Close management(21st june no response what so ever)

Data Protection Act letter sent to Black Horse(21st june no response so far)

Data Protection Act letter sent to First National(no response either.)

DFS has succumbed to my request for a new suite as the last one was not fit for purpose

All letters sent recorded and signed for.

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it was a while ago, but the whole year long ordeal really deserves some justice.as it caused so much heartache to me and my family.

1)wintermare vs abbey

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  • 2 years later...

I am having a similar problem to above. My partner has lost his job, however we are having problems with his employer. His employer says he has returned the forms to pinnacle but pinnacle state these were not received. We have requested the form to be sent to us so we can have these filled in and sent back recorded delivery, however the forms have still not been sent to us after numerous chase ups with pinnacle. We are now struggling to pay our mortgage. Any advice would be great!!!

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  • 10 years later...

This topic was closed on 03/07/19.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

1)wintermare vs abbey

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Please note that this topic has not had any new posts for the last 4286 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

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