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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • 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.
       
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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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Hello,

 

I'm having some minor conversations here about small stuff, and today for some reason, I re-read my Nationwide Card thread just reminiscing I suppose. It reduced me to tears.

 

I can today hardly recognise myself in those posts, I was so immersed in consumer law its just mind boggling and at that particular time my mental, physical and financial health was literally being put through a meat grinder. What seemed like a never-ending mountain of documents and law was studied, taken apart and written, learned and practiced with the encouragement of CAG.

 

I am still, most profoundly grateful for the incalculable hours of SPARE TIME that the people at CAG here dedicated to this little fat chick in the arse end of Hampshire and her fight with a credit card company. There just isn't enough emphasis on the effects this kind of crisis has on a person and without CAGs help this would surely have broken me into pieces.

 

Over four years on my credit rating has remained "excellent" and in the top 4% of the country, I'm healthy, happy and as financially secure as I can be.

 

To anyone who is reading this, as I said right after I got home from court:

 

"Don't give up, don't back down, even when you are at your lowest point and wish it would all just go away - get up and keep fighting - the worst that can happen is you lose, that's all. But if us 'little people' don't stand up for ourselves, these bullying so called big-boys will just continue to bend us over a barrel. Take a stand, you WILL be pleasantly surprised."

 

Just wanted to say thankyou again to everyone that even looked in on that thread to wish me luck and a personal thankyou particularly to mrmarmite and pt2537 who quite literally held my hand and dragged me over the mountain.

 

As it's my birthday today, I will be having one in your honour.

 

Just know that you saved me.

 

Thank you SO much, four years on :)

 

Samantha.

 

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Posts like this make it all worth while.

 

Thank you :)

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

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Nice to be appreciated.

Hope you have a great birthday.:party::cheer2::thumb:

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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I concur with the OP. My life has changed for the better dramatically after finding CAG. I was running scared and now I feel empowered. Also, my faith in humanity is restored entirely.

 

I honestly cannot believe how wonderful the people on here are and feel compelled to help others in the way I have been.

 

Keep up the good work! :-)

CAG has helped me so much since I joined. Based on what I have learnt from others on here and my own experiences, I try to chip in and help others from time to time. I am not an expert and give my opinion only. Always check with the more experienced CAG members before making important decisions.

:-)

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