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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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HELP, Possession due 22nd August 2011


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Have completed our hearing in 10 minutes and not been asked to ask!!

The Judge addressed the REP from Paratus: What was the arrear in June 2010 and what is the latest arrear balance? The REP said £10,100 and now £8,800.- The Judge said ‘the arrears have been reduced by £1,300 in a year, so what is the reason for today’s hearing?’ The REP said 'my client do not feel confident that the defendant can afford their payments in the future'. The Judge said the defendant has built a track record over the past year, who is to say they cannot maintain this in the future?

The Judge then ask what is the remaining terms of the mortgage and what is currently being paid towards the arrears? Answer 16 years and £50.00 per month. He said this seemed perfectly reasonable.

The Judge said our courts are governed by the rules from the Court of Appeal case on Norgan in this situations – as long as the arrears can be paid within the terms of the mortgage this is acceptable. He said that Paratus is applying their own law to their cases. He said that when the previous arrangement came to an end in May, Paratus should have written to us for an update and re-negotiates a new arrangement. There is no need to apply for an eviction! It is apparent that have failed to do this.

The Judge said that the only reason why companies like Paratus are applying for eviction in this kind of situation is that they felt they can add the costs to the mortgage account, but he is not going to allow this to happen in this case.

He orders that the eviction be SUSPENDED subject to maintaining payment of CMI plus £50 towards the arrears.

A whole-hearted THANK YOU to Ell-enn and everyone on this forum.

Words cannot sufficiently express our gratitude for your support and guidance on this very stressful situation.

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Hi Ell-enn,

All went smoothly as you predicted.

My wife and I cannot thank you enough for the unreserved support you have given us and composing a very clear statement to go with our application, which is why the Judge found it not necessary to ask me any question.

THANK YOU!!!

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Great News ! well done :) I'm so pleased for you, I know your wife was particularly stressed about the situation and I trust you can both now relax - go and have a nice glass of something to celebrate.

 

(I knew the judge wouldn't like Paratus's behaviour :) )

 

Just one more thing, when you next get a statement from Paratus - check that the legal costs have not been added !

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Thank you Ell-enn.

Yes I will.

I will write to them for confirmation that they will initiate the DDM for the CMI + £50 at the last working day of each month. Also that they have withdraw any charges levied on the account since June, due to their mistake of not collecting the arrears.

I have also written to them to obtain full history of my account, with a view to claiming any unreasonable charges levied.

As long as I can maintain payment, I can now ignor any bullying tactic from Paratus!!

We can now get on with our life....

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Make sure anything you send to them is by recorded delivery and keep a copy for yourself - you never know when you might need it :wink:

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Well done Tony . . . Great result :-)

Some useful links.

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Following our Court hearing on 18th August, we received a letter from Paratus yesterday:

Quote:

Thank you for your recent payment proposal to address the arrears on your mortgage account. We can confirm that your proposal is acceptable. The expected payments and agreed term is shown in the schedule.

Unquote

They seemed oblivious to the fact that they issued a Warrant for Eviction, and we went to Court ……………

Or they have actually written this letter 2 months ago, but forgot to send it out!!??

There was no mention of the fees and charges incurred by the court case. We will keep a close eye on this.

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Well, we have all been there before, Scarlettuk

Don’t worry too much. You just have to face up to it. Don’t let the Banks bully you.

As long as you can prove that you are able to resume payment and pay something towards the arrear, the judge would be incline to suspend any eviction.

Have faith in this Forum. They are, in many ways, better than a lawyer in is situations.

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I have faith Tony :) My first offer was rejected, so I'm hoping that I can get it sorted by going back to court, as that seems to be my only route at the minute. I have started a thread, so hopefully I will get the same support and advice that you had. Thanks again x

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