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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
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    • 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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Barclaycard CCA Unobtainable


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Dear All

 

Looking for some advice on this:

 

Despite numerous requests and assertions that they had Barclaycard have failed to produce the original credit agreement.

 

This finally came to a head when we advised the latest in a long line of DCAs that the CCA Barclaycard claimed to be correct wasn't and why.

 

They then backed off and took the matter up with Barclaycard directly. I have just received a letter from them stating that they had "been advised that it is no longer available". They go on to say they have closed their file and will not be making any further contact.

 

My question is how do I get this finished properly? Do I contact Barclaycard directly and request that they remove themselves from my credit file or do I contact the credit agencies or both?

 

Delighted with the outcome but want closure.

 

Thanks for reading.

Skeeks

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Is it BC or the DCA who has closed the file and will not contact you again?

 

If it is the DCA have they purchased the alleged debt or where they just acting for BC?

 

From my own experience BC do not usually give in this easily

 

FS

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Hi if you have it in writing from BC then all it means is that BC or their tame DCA'S cannot take you to court they can mark your CRA files with a default and continue to pester you for payment though you can tell them to go forth etc.

cannot find it A to Z

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

 

 

Halifax :D

Paid in full £2295

 

MBNA:mad: 20/03/2008 settled in full out of court

 

Capital One:D

07/07/2007 Capital one charges paid in full £1666

19/01/2008 recovered PPI £2216 + costs

 

Littlewoods :-D

12/08/2007 write off £1176.10 debt.

 

JD Williams charges refunded in full £640

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Hi

 

Thank you for your replies.

 

Just to clarify the alleged debt was sold by BC to another party earlier this year who then began pursuit. It is they who have confirmed what we already knew in writing that the CCA could not be produced.

 

We have throughout this process (two and a half years) been in dispute over this with BC and requested the CCA from each and every one of the DCA's they've dispatched after us.

 

We want to ensure that no default is recorded as this account has been in dispute but we don't know where to go from here and want to get this closed off once and for all.

 

So back to my original question:

 

"how do I get this finished properly? Do I contact Barclaycard directly and request that they remove themselves from my credit file or do I contact the credit agencies or both or none of the above?"

 

Thanks again, be interested to know what you think.

 

S

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Hi if you have had the account and they can prove this from statement history etc, then they can trash your credit files. If you have not had an account then you can have them for compensation at this time £1000 a time.

 

dpick

cannot find it A to Z

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

 

 

Halifax :D

Paid in full £2295

 

MBNA:mad: 20/03/2008 settled in full out of court

 

Capital One:D

07/07/2007 Capital one charges paid in full £1666

19/01/2008 recovered PPI £2216 + costs

 

Littlewoods :-D

12/08/2007 write off £1176.10 debt.

 

JD Williams charges refunded in full £640

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Hi Skeeks,

 

The only way you'll get closure is if BC or a DCA take court action which you defend successfully.

 

You will not win if you try taking BC to court, after the case of Carey v HSBC.

 

If there is not credit agreement available, you may be able to argue against a Default that has been registered but this can be a long and painful process.

 

Have you reclaimed all default charges and/or PPI on this a/c to reduce the balance owing.

 

:-)

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