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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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Is their a limited to how many times a DCA can call?.


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I have a DCA who is now calling me (apart from the letters I'm being sent) every single day. The debt in question is over 6 years old and before that called once in awhile. Since the debt clock clicked over to 6 years they have been phoning me and being a damn nuisance, also now threateninig me with legal action. Even though I'm not answering the phone it's still anuisance and invasion of privacy because sometimes they even call on a Sunday.

 

Call register:

 

Sept 27 10h39

Sept 26 11h06

Sept 24 10h34

Sept 23 15h25

Sept 22 12h49

Sept 21 10h37

Sept 20 13h12

Sept 19 13h39

Sept 16 13h07

Sept 15 14h45

Sept 15 15h17

Sept 13 17h09

 

and so it goes on.

 

Many thanks

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They can of course pursue the

debt defaulted over 6 years ago,

there is nothing to stop them all

collection action short of enforcement

in court is allowed.

Until a debtor informs the creditor

in writing that the debt is statute

barred and they will not be paying,after

this has been done the OFT considers it

unfair to pursue for payment.

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

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That's a good one, or just

tell em like it is.

Brig.

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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Discontented, just answer the phone, when they ask to speak to Discontented tell them you will get the person in question then just leave the phone hanging... They will get the message...and a nice bill ( heeeee )

[sIGPIC][/sIGPIC]Happyhippy1959

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I once started to digress with the dca about my irregular bowel movements, they hung up. :sad:

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I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

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I sent the letter ( as per the one aoutlined in the link above) which arrived and was signed for on October 3, 2011 and have now received another letter from them dated October 6, 2011 headed "Where did we go wrong" and stating that they will now call on me if I don't pay the full amount. The letter I sent was as per http://www.consumeractiongroup.co.uk/forum/content.php?408-Letter-sent-when-debt-is-statute-barred . It's obvious that they have no intention of taking note of my letter to them. Where do I go from here, please?.

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I would just repeat the letter, this

time address it to the Compliance

manager.

Brig.

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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