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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 all,

 

I stupidly took out a QQ loan back in February this year. I believed I had paid it and since then my bank account had been closed as it was a joint account with an ex partner. I moved in with my grandparents for a while as I was paying off a lot of debt, anyway long story short my Grandad called and said ARC have rang me. I had no idea who they were so I stupidly rang them.

 

I have now been told if I dont pay up within the next so many days I will be issued with a CCJ, I simply dont have the money to pay at the moment and have not received any letters from the ACR to say I have so many days to pay or whatever. I am stuck and dont know what to do, I already have a satisfied CCJ but I cant get another! What can I do?

 

Any advice would be helpful the debt is for £249, I offered instalments but they refused.

 

Thanks,

 

Elise

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They cant issue a CCJ like that. Theres an entire legal process that has to be gone through first. They are trying to scare you into paying at an amount you cant afford. Treat that phonecall as if you never recieved it. They are also not allowed to refuse repayment offers, especially if you can back it up with an I&E summary.

 

Again, they are doing the usual trick of trying to scare you into paying.

 

 

Could you post as much info as you can about this debt? Dates, amounts, breakdown of amounts, DCA's involved etc.

 

Also, when "ARC" (whoever they are) called your grandparents, what exactly did ARC say? This is important, because there could be a breach of DPA going on.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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So what should I do from here? They have my old address (grandparents) Do I need to write them a letter? Or can I do something to get them off my case until I can pay? I'm not refusing payment I just cant do it all in one go!

 

Thank you,

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You need to write to them and tell them NOT to call or write to your grandparents address. If they continue to do so after reciept of the letter, they will be pursued for harassment.

 

As for repayments, you need to write to them and explain your circumstances and outline what you can repay and when. be warned though, with Quick Quid, they love to ignore the law and pile on a ton of threats. They will add on a lot of charges to the debt as well, however, 99% of these are unlawful and unenforceable.

 

You also need to make a FULL complaint with the OFT who are the regulators for the Payday loan companies. Include as much info as you can as they are currently investigating the Payday Loan Companies.

 

One thing to note, you should never ignore your debts. What will happen is that your creditors will get judgement by default on whatever amount they are claiming. Most, when they realise you are ignoring them, will add on hundreds of pounds to the debt and push it through court. Because the amount was ignored, the Judge grants a judgement to the creditor and you now are liable for that entire amount.

 

If you are in regular communication and are trying to get a repayment, but they are refusing, should the debt go to court, you can easily turn up at court with all evidence and show the judge the truth. However, with Quick Quid, i wouldnt worry. Since they are based and operate from the US, they cannot take a UK debtor to court. They would have to sell the debt on to a DCA. If you are in constant communication and the debt gets sold, you can simply put the debt into dispute, and it locks it up until the dispute is settled.

 

They key though is to keep in constant communication ( all in writing, NEVER phone them). This covers your back 100% and shows your willingness to pay. Also, think about opening a parachute account, as Quick Quid will raid your bank account if they have the details for it.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Thanks for the advice its really helpful.

 

Can ARC take me to court though? I have tried to contact QQ but they have told me they will no longer deal with me at its been passed to them. The bank account I have registered with QQ is closed down, so I had no idea if Im honest That the money hadnt been taken. Is there a template anywhere I can use for a letter? I have no idea what to write!

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If you need help with writing a letter please let me know and I'll draft one for you. Do you have a reference number or anything from ARC?

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My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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It is impossible for ARC to take you to court since they dont own the debt. All they can do is forward it to a solicitor who will recommend taking it to court. But as i said earlier, QQ cant take you to court. They would have to sell the debt to a DCA, who would then have to go through a whole bunch of procedures first.

 

Like i said originally, it is an empty threat, designed to scare you into paying them.

 

If there were ANY realistic intentions of taking you to court, its months away yet, if it even ever happens.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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It could be ARC EUROPE DCA,there have been numerous posts over several years in this forum,regarding this company.They are based at Walton On Thames.

Trevor Munn solicitor seems to be associated with ARC.

 

Regards,John.

Edited by JOHNINYORK
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