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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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Hi guys, I've used this forum to great success in the past and hopefully you guys can help me out again.

 

I received a letter yesterday with a Council tax bill for £1300 that is supposed to be paid within 14 days.

It's from last year and possibly foolishly I didn't even bother to look into paying council tax last year as I would not of been able to make the payments anyway.

 

My total income for the last tax year at this property was £7000 (in Newcastle, Upon Tyne), I was barely scrapping by never mind paying over £100 extra a month in council tax payments.

 

I now have a new address (in Northern Ireland so no council tax) and a new job which unfortunately pays even less (£5000 per year) so even paying it back in installments isn't really an option.

 

What options are open to me?

 

My main gripe is that if I had signed on and not bothered to work I wouldn't be in this situation, I'd like to settle the debt but went it's a choice between roof/food and an old Council tax bill the first is always going to win.

 

Thanks guys in advance for your help.

 

Peter.

 

Apologies if this isn't in the right area of the forum.

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def get it sorted

 

ctax is enforceable through courts

not got the liability order mentioned yet then?

 

dx

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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jointy?

 

so there are other parties?

 

dx

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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well the pair of you need to get something sorted pretty quick as you'll havebailiffs knocking before long

 

if you leave it.

 

dx

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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Ok, took your advice and contacted Newcastle Council to arrange to pay by installments.

 

Pretty shocked that they refused and said they will only give me another 14 days to pay the full amount after which I will receive a court summons.

 

I was always of the understanding that if I offered a reasonable payment solution and they refused it whenever it went to court it would be thrown out. Is this the case?

 

My plan now is to send a recorded letter with my income and expenditure detailed along with a fair and affordable amount to pay back in installments. Surely if they refuse this and then take me to court as long as I have records of my offer and can prove it was the most I could pay I will have the upper hand?

 

Thanks again, Peter.

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Ok, took your advice and contacted Newcastle Council to arrange to pay by installments.

 

Pretty shocked that they refused and said they will only give me another 14 days to pay the full amount after which I will receive a court summons.

 

I was always of the understanding that if I offered a reasonable payment solution and they refused it whenever it went to court it would be thrown out. Is this the case? No

 

My plan now is to send a recorded letter with my income and expenditure detailed along with a fair and affordable amount to pay back in installments. Surely if they refuse this and then take me to court as long as I have records of my offer and can prove it was the most I could pay I will have the upper hand? Unfortunately not

 

Thanks again, Peter.

 

They are giving you a chance before they go to Court to obtain a Liability Order against you. They do this so that if you fail to pay as promised they can take enforcement action against you immediately. You must also remember that they will add extra costs to what you owe, as this only costs them less than £5 and they may charge up to £150 to do this it is another income stream for them. If they then pass it to Bailiffs then this will incur yet more costs. They can chase either one of you or both, they don't care as long as they get what is owing and please be aware they ca n make just one of you pay the whole lot not just the half you think you may owe.

 

PT

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So basically if I can't come up with the entire amount before the deadline I will end up in court and have bailiffs after me?

 

Is there no way I can arrange to pay by installments now? Surely if I present my income/outgoings on court I could arrange to pay in installments there?

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you wont be allowed in

 

its just a rubber stamp LO

 

just start paying

by internet banking

they cant refuse it

 

 

dx

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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You can go to the Court if you wish but the only thing they are interested in is are you liable for the monies or not - it's a simple yes or no only. These are done on a bulk basis and there could be several hundred cases listed.

Please consider making a small donation to help keep this site running

 

[sIGPIC][/sIGPIC]

 

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