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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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disability and changes to work benefit

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hi there


could somone please help


I work for a large company with a personal health insurance which basicly gives you 75% of your salary until retirement age if you have to go on long term sick.

I cant find my contract but this benefit was in place on my appointment.


I am a sufferer of ms which as you can appreciate this health insurace is a life line.


As a cost saving exercise my company has now cut this PHI to pay out for only 5 years.


I feel this is disadvantaging me ,would i have a course of action regarding this cut at work due to my disabilty.


many thanks

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Why don't you ask HR for a copy of your contract?


How old are you and how long have you been with the company? How is you MS affecting your work at present? Did they know of your condition on your appointment? If they didn't, do they know now? In what way do you consider that this change disadvantages you from others in the company (I am supposing you are hinting at discrimination) ?

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hi there and thanks for your reply

Im 47 and have worked for the company for over 12 years i was undiagnosed at that time.


When i was diagnosed with ms which was approx 10 years ago work was aware but i carried on in present roll unafected until 4 years ago when they made adjustments to my roll.


I feel this change is disadvantageous to myself because .


I have not been offered any alternatives.

I have an exsisting condition which if worsens i would find the phi invaluable.

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Hi Sassie


I am no expert here so you may want to consult a solicitor for a more definitive answer, but if these changes have been enacted across a large company equally then it is perhaps not unlikely that other people with health issues, as well as those currently healthy, will be as equally affect as you. That means that there probably is no discrimination.


The other issue is this benefit is STILL 75% until retirement age and so there is no disadvantage because you probably will have to be retired on ill health should your condition worsen to the point where you cannot work. Even then you, and the company, will have to look at the details of the retirement scheme. Which is why you should be getting on to HR and asking for your contract and the details of the retirement scheme to ensure that you will benefit from it should you become worse than you are now. It is not uncommon for those too unwell to work to be retired early. There is normally a process for this.


The company if large (how large is large?) will no doubt have taken legal advice on this so it is hardly going to be easy to dispute I would have thought. I f unions are also involved you can be sure they will have scrutenised the changes too.

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