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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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West Brom not willing to make agreement and threats of further action


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hi everyone ............ i am writing after reading some of forums and seeing the excellent advice offered

 

i have tried some of the normal advice streams credit councelling and CAB etc they are ok in that they give you the leaflets and standard replies but this doesn't help

 

ok i will try to explain my problem best i can

 

i am self employed in january 2010 i lost my main contract this made things difficult and income fell significantly. i had outstanding income and some savings i manged to keep up some work which gave a small income bearly enough to live day to day let alone survive and pay bills.

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i managed to keep going although had numerous arrears building up on utility bills etc, i muddled through paying who shouted loudest or threatened action until may 2011 then i just had to little income and missed a mortgage payment ( having maintained them until this time)

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in may and june 2011 i made no payment at all in early july 2011 i made a minimal payment of £160 to keep me below one months in arrears while i discussed way forward with mortgage company.

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i agreed during this time to pay the interest only portion of payment. which i did for july and august 2011 in september a period of 6 months interest only was agreed plus £30 per month towards arrears this agreement i kept to until february 2012.

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i then recieved notification that full payments were to resume from march payment date 2012. i phoned straight away to tell them i could not afford to pay the full payments they said i would have to fill out an income expenditure form and send it to them. this i did and made the same payment for march as i had for previous months the interest payment plus £30.

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in march 2012 i recieved telephone call telling me that my income expenditure showed i could not afford the payments and that i would have to complete a new income expenditure over the telephone and an appointment for this was made, i was told that they would possibly consider extending the term of the mortgage for more years thus lowering the payments due. i asked what this reduced payment would be and was told that they would not tell me until after it was agreed.

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i completed the telephone income expenditure call and then a few days later recieved a call telling me that a copy of my utility bills and bank statement would be needed in order to present all my details for a decision. i was also advised that i should stop all payments to non secured in order to increase amount available for mortgage. this i did i wrote to all other credtors and explained and offered minimal monthly payment and they all reluctantly agreed.

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i worked out (with help of online calculator) what the payment would be if the term was extended and arrears were capitalised i increased monthly payment in april 2012 to what this payment would be this increased payment has been paid for may 2012 as well.

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in april i recieved phone call telling me that my income and expenditure showed insufficent funds to finance an extended term. i explained that i had revised payments being made to non secured debts thus increasing funds that could and would be used to pay mortgage. after a somewhat stressful and heated call i was getting nowhere and seemed to be getting a brick wall response if you fail to maintain full payments the society will be forced to take further action. when asked what action reply was your home is at risk if you fail to keep up payments on it . again brick wall response hardly helpful.

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so i ended call and straight away wrote to them asking that they consider extending the term and adding the arrears to capital sum owed. i recieved a telephone call asking me to provide income expenditure to show how i could meet payments, which i provided

this was updated to show that i had reduced payments to all unsecured debts to a minimum i had cancelled sky tv and all non esential out goings it also showed a that i coud make the payments within my means if they extended term and capitalised arrears.

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i recieved a phone call again brick wall type call not helpful and basically saying you application to have term extended has been declined and you have to make full payments and an arrangement to clear arrears ........ derr !! you have income expenditure i cant make the payments. then it will be passed to out legal department for action. came reply. i was again getting heated and stressed so ended call but asked for confirmation in writing.

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i recieved letter dated 22 may 2012 saying as we discussed the society is unable to offer assitance regarding extending the term of your mortgage. the information you provided in the financial statement deems your mortgage payment unaffordable for you at this time. the society has reviewed both your income and expenditure currently this shows a deficit... when reviewing extending the term we work out future payments at your current interest rate and an increased interest rate to allow us to take account of potential increases and your abilty to pay. we suggest you seek independant advice etc etc. any further question please contact me on telephone number above ..

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this is last contact i have made but have made payments as i estimated they would be on extended term and will continue to make them.

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ok some details on mortgage

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mortgage balance £48,200

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property value £110,000

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term of mortgage 15 years with 7 years 6 months remaing

 

current arrears £2052.71

 

current expected payment monthly £644.27

 

crrent payment being made £375.00

 

 

Thank You for taking time to read and hopefully someone has some words of wisdom

Edited by Trouble1066
spelling and presentation and added arrears
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oh to corect one bit my income expenditure shows enough to pay the extended term and the increased interest rate should it be applied and leaving some remaining for increases in other essential outgoings.

 

also apologies for spellings and layout if clumsy

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Hi trouble

 

Welcome to CAG

 

The guys will be happy to advise as soon as they are available.

 

Please let us know how your problem has been resolved, it could help fellow Caggers.

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