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

 

I've been helping a family member out with a debt.

 

The company who I've been in touch with are Go Debt.

 

They've been playing dirty so there was no way I was going to let him roll over and play their game.

 

Just as an idea..

 

.They were harassing him on the phone, even calling his workplace and disclosing they were chasing him for a debt and were considering forced bankruptcy!

 

They have also told several lies, and created letters to try to cover their tracks.

 

They tripped themselves up with dates which proved the letters were produced after the fact and never sent.

 

Now, so far as I can tell, there has not been a Notice of Assignment (NOA).

 

I requested this and they sent me the wording of a NOA that anyone can copy and paste off the internet.

 

I wrote back and explained this was not sufficient.

 

This was the last I heard from them until my family member was served with a Statutory Demand (Section 268(1)(A)).

 

Why on earth would they do this when they have still failed to respond to my perfectly reasonable and legal request for the Notice of Assignment!

 

The SD seems legitimate and has the details of the relevant court.

 

So please, any suggestions on next steps? Would it be best to apply to the court for it to be set aside?

Settled Tribunal claim against employer regarding Disability Discrimination.

Recovered my money from an AXA Bonus Cash Builder Plus after discovering here on CAG that the original advertising was found to be misleading.

Cabot still can't provide a copy of Credit Agreement and have left me alone for about a year now.

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YES!

 

i'll move this to the legal forum for you.

 

tell us the details of the debt please as well

 

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 need to get this set aside - you have 18 days in which to do this.

 

First of all, you must phone the court mentioned on the Stat Demand to ensure that they do actually deal with Bankruptcy/Insolvency cases.

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

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.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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YES!

 

i'll move this to the legal forum for you.

 

tell us the details of the debt please as well

 

dx

 

Thank you DX.

 

The debt was originally with "Private & Commercial Finance Co. Ltd." before Go Debt claim it was assigned to them in August of last year.

 

The outstanding balance is in the region of £6,500.

 

This family member was involved in a destructive relationship at the time the finance was taken out and was also suffering mental health problems.

He really shouldn't have been given the finance in the first place due to his mental state and as I can't see how he could have realistically afforded the repayments anyway.

 

I need to find out for sure but I think it may be getting on towards the 6 year mark which would explain Go Debt's behavior.

 

It was early September 2011 when I became involved after Go Debt started harassing him.

 

Due to his health, I had him sign a document assigning me as his appointee in the matter.

 

In my very first letter, I made it clear they were not to contact him at all and that we would not entertain any phone communication.

After they repeatedly failed to provide a Notice of Assignment, I left the ball in their court to do so at the end of September.

 

I heard nothing more until my family member bought the SD to me.

He informed me at that point that they had again been harassing him by phone for some time

- this despite me making it quite clear they were to communicate with me only and in writing only.

 

It seems to me that knowing they were not going to push me around, they reverted to their dirty tactics.

 

Another concern he has, and one I'm not really clued up on is any potential impact on his new partner.

 

She has nothing to do with the debt but they are now living together and he is really worried about this so any advice on his position in this regard would be greatly appreciated.

 

You need to get this set aside - you have 18 days in which to do this.

 

First of all, you must phone the court mentioned on the Stat Demand to ensure that they do actually deal with Bankruptcy/Insolvency cases.

 

Thank you for this, I didn't know I needed to check so this could save me a trip! Do you know if it is 18 working days or all?

Settled Tribunal claim against employer regarding Disability Discrimination.

Recovered my money from an AXA Bonus Cash Builder Plus after discovering here on CAG that the original advertising was found to be misleading.

Cabot still can't provide a copy of Credit Agreement and have left me alone for about a year now.

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a quick check of his CRA file might help on things like dates and payments .

 

 

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 do need to check if the court they have on the form deals with bankruptcy - if they dont, then you will have to find the nearest one that does as that is where you will need to submit your set aside.

 

I have posted up some threads with information that will help.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?349081-Lowells-Hamptons-SD-***-WON-WITH-COSTS-***&p=3914658#post3914658

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?334524-Lowell-portfolio-served-me-SD-HELP!!!-***-WON-FULL-COSTS-***&p=3914655#post3914655

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

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.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I have also left a message on one of the threads I have linked above and asked if khemist would look in on you.

  • Confused 1

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

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.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I have also left a message on one of the threads I have linked above and asked if khemist would look in on you.

 

Thank you for that. He received another letter yesterday. It's a warning that if they go ahead with the "Statutory Demand in Bankruptcy", costs in the region of £1000 will be added to the debt". Now, is it me or is this nonsensical! If he was made bankrupt, it's not like they'd be getting it! He doesn't have any assets which wouldn't be protected (car for work).

Settled Tribunal claim against employer regarding Disability Discrimination.

Recovered my money from an AXA Bonus Cash Builder Plus after discovering here on CAG that the original advertising was found to be misleading.

Cabot still can't provide a copy of Credit Agreement and have left me alone for about a year now.

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"Private & Commercial Finance Co. Ltd."

 

i take it this was for a car loan

 

Close, a motorbike

Settled Tribunal claim against employer regarding Disability Discrimination.

Recovered my money from an AXA Bonus Cash Builder Plus after discovering here on CAG that the original advertising was found to be misleading.

Cabot still can't provide a copy of Credit Agreement and have left me alone for about a year now.

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`where do i begin

 

yes car/ welcome finance all over again

 

do you have a copy of the agreement

 

I have a copy and I'll post it shortly. I've had a letter back from them confirming they will not proceed with the SD, while my dispute is investigated. They have still failed to provide a true NOA

Edited by tanglewood01
Tried to delete attachments when I realised they were in the wrong order!

Settled Tribunal claim against employer regarding Disability Discrimination.

Recovered my money from an AXA Bonus Cash Builder Plus after discovering here on CAG that the original advertising was found to be misleading.

Cabot still can't provide a copy of Credit Agreement and have left me alone for about a year now.

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Sorry for the wonky docs - this is how I received them...

TW.pdf

Edited by tanglewood01
Missed some censoring!

Settled Tribunal claim against employer regarding Disability Discrimination.

Recovered my money from an AXA Bonus Cash Builder Plus after discovering here on CAG that the original advertising was found to be misleading.

Cabot still can't provide a copy of Credit Agreement and have left me alone for about a year now.

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squaddie, is that not it above ??

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

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.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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may i ask what year is the agreement dated

 

The agreement is from the early part of 2007. The last payment was made in the middle of 07.

 

I thought this was/is the Credit Agreement?

Settled Tribunal claim against employer regarding Disability Discrimination.

Recovered my money from an AXA Bonus Cash Builder Plus after discovering here on CAG that the original advertising was found to be misleading.

Cabot still can't provide a copy of Credit Agreement and have left me alone for about a year now.

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sorry to confuse you

 

i am thinking along the lines of things a credit agreement needs to have such as perscribed terms

 

what insurance crap such as ppi did you have

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There is nothing on the credit agreement to suggest he had any type of PPI. I did ask him at the time things went pear-shaped with his life and he said he didn't have any.

Settled Tribunal claim against employer regarding Disability Discrimination.

Recovered my money from an AXA Bonus Cash Builder Plus after discovering here on CAG that the original advertising was found to be misleading.

Cabot still can't provide a copy of Credit Agreement and have left me alone for about a year now.

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i can see credit protection insurance under optional credit protection

 

the bit has been blacked out, were any figures put in there

 

same with the gap

 

these insurance products were sold on condition of acceptance for the finance

 

it was where the saleman made their money in commission

 

these agreements were allways sold with the rip off insurance products

Edited by squaddie
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The agreement is from the early part of 2007. The last payment was made in the middle of 07.

 

I thought this was/is the Credit Agreement?

 

I am a little concerned about this time line.

 

Agreement entered into beginning of 2007 - defaulted around early part of 2007.. in between times, a default and assignment has taken place ?

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

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.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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ohoh GAP & PPI how unusual squaddie.......

 

just like old times

 

 

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... 

 

 

Link to post
Share on other sites
i can see credit protection insurance under optional credit protection

 

the bit has been blacked out, were any figures put in there

 

same with the gap

 

these insurance products were sold on condition of acceptance for the finance

 

it was where the saleman made their money in commission

 

these agreements were allways sold with the rip off insurance products

 

One of the figures is on there, but neither GAP Insurance or Credit Protection were taken out. I was being overly paranoid so I censored everything!

Settled Tribunal claim against employer regarding Disability Discrimination.

Recovered my money from an AXA Bonus Cash Builder Plus after discovering here on CAG that the original advertising was found to be misleading.

Cabot still can't provide a copy of Credit Agreement and have left me alone for about a year now.

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ohoh GAP & PPI how unusual squaddie.......

 

just like old times

 

 

dx

 

I think the most laughable part is that I'm guessing neither was taken out as he couldn't afford the repayments on the finance, never mind any protection on top!

Settled Tribunal claim against employer regarding Disability Discrimination.

Recovered my money from an AXA Bonus Cash Builder Plus after discovering here on CAG that the original advertising was found to be misleading.

Cabot still can't provide a copy of Credit Agreement and have left me alone for about a year now.

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