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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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Another Sigma Claim Form - M+S card


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Good. Keep on top of the shysters.

“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

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Sigma are unaware what happens if a defence is entered in response....well they are aware its costs money to proceed but is it worth it on debt that they have paid peanuts for and are just chancing thie luck on issuing a Summons.

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This stolen unashamedly from CitizenB – it certainly applies to Sigma, in my view.

 

In Barton Henderson Rasen v Merrett [1993] 1 Lloyd’s Rep 540 Saville J said that it is an abuse of the

court’s process to issue proceedings with no intention of taking the case any further. In

contentious matters the courts exist for the purpose of determining claims. Therefore, starting

a claim with no intention of pursuing it is not using the court’s processes for the purposes

for which they were designed. ‘Parking’ proceedings in an attempt to achieve a settlement

with other defendants justified striking out with indemnity costs in Sodeca SA v NE Investments

Inc. [2002] EWHC 1700 (QB), LTL 27/8/2002.

“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

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Yes DB or otherwise chancing their luck that no defence will be submitted...perfect quotation for the basis of a SO.

 

Regards

 

Andy

We could do with some help from you.

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‘Parking’ proceedings in an attempt to achieve a settlement

with other defendants justified striking out with indemnity costs in Sodeca SA v NE Investments

Inc. [2002] EWHC 1700 (QB), LTL 27/8/2002

 

See above!

“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

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‘Parking’ proceedings in an attempt to achieve a settlement

with other defendants justified striking out with indemnity costs in Sodeca SA v NE Investments

Inc. [2002] EWHC 1700 (QB), LTL 27/8/2002

 

See above!

 

 

I think I understand Donkey.

 

What is the normal time scale between submitting defence and hearing something back? Is a month reason enough to believe they are parking?

 

Forgive me if I am asking ridiculous questions to which the answers are obvious.

 

My partner thought the delay might be due to the big pile they had on the desk.:lol:

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They have 28 days to inform the court that they wish to proceed, at which point AQs will be issued. Failure to respond means the claim is automatically stayed, but the claimant can apply to have the stay lifted at a future date.

 

What Sigma appear to be doing is chucking out claim forms like confetti as a debt collection tool, which could be proven to be an abuse of process IF they do not litigate further on any contested claims. This would be prima facie evidence for use in a strike out application, based on the above para, as Andy says.

 

Worth a complaint to the OFT and the SRA.

“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

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Maybe, but I think even the number of stayed cases on this forum alone is enough to prove a modus operandi.

“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

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but the claimant can apply to have the stay lifted at a future date.

 

Ooh Donkey do they have to pay for the application to have the stay lifted - please say yes!!!

 

I for one will not be making an application to strike out. As has been said on previous threads the longer they leave their stay it must give us an advantageous point with the Judge.

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This received on Cosalt's thread from Skemdosser

 

 

Hi all been meaning to get on here the past couple of days-I have just received a N279 Notice of Discontinuance from HL. Got a wasted costs application to think about now...

 

 

My my, what do they have up their sleeve I wonder!!

 

HH

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They’re crumbling...

 

As I said ages ago, their modus operandi is a simple case of economics. For every one person who comes on CAG, and defends, there are probably 99 who pay up or get a CCJ. CAG is but a flea bite on their arse, sadly.

 

And yes, they would have to apply via N244 to lift the stay, and pay a fee,

“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

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  • 1 year later...

Can i just give all sigma M&S peeps a shout ...and all those who recd letter addressed to the wrong person (albeit with the correct acct details !).

 

PLEASE check your credit record with the agencies ( or a least callcredit - try noodle for a free account), as Sigma have recorded under "known by another name/alias", the name of the lady they addressed my orig letters too ... (noted they didn't get the partial claim papers name wrong though !)

 

Anyhoo, I can only assume they've done this with everyone who suffered their "system error", even though its a fault from their end ... and I assume the lady whom recd her letter addressed to me, has her recorded alias as my name ... what a mess !!

 

Anyhoo, you may want to have a check and raise a query withthem .... I've done this, waiting for them to get back to me.

 

There are a few other errors in my record, whether this is just Callcredit being carp or what I dont' know, but I've raised 4 errors in total ... so make sure you have a thorough read and spot any probs !!!

 

Here's the link to join ... https://www.noddle.co.uk/

 

Or try the normal sources/free trial periods ...

 

Thought this was worth a heads up to everyone ...

 

Abs x

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  • 5 months later...

My credit file did show up this other person's name, when I disputed this with Noddle saying this person does not live there, Sigma amended it to show my name including my middle name - never used it in anything. This was in the bit where it says "also known as/alias". Statute barred this year so Sigma:lol:

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