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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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I have just had a response from MBNA regarding my PPI

unsupriingly they rejected as this seems a standard response from them.

 

They claim first that i ticked the the box for PPI where as im sure it was already ticked

secondly they claim there was information on a second screen which i have a problem with.

 

I have drafted a response to them, at the moment it is very rough and needs some grammer correcting etc.

but i thought i would put it up for comment as it would be relevant for most people rejected by MBNA

as the information provided on a seperate screen seems a common way for them to fob customers off.

 

I am writing about a mistake made by one of your members of staff relating to mis-sold PPI

and i am writing this letter to give you an opportunity to correct this mistake before i complain to the FoS and FSA

 

I believe that the PPI box was automatically ticked on the application screen

there was no information regarding the PPI such as costs etc.

 

There was no information that the payment protection involved the purchase of insurance

indeed it was called payment protection cover.

 

Nor at any time was there information that the policy could be cancelled.

 

The letter sent by your staff member claims that information appeared on a separate screen

i do not believe that a responsible financial institute to behave

 

as in the first case it would not necessarily be clear that this separate screen provided

any information about payment protection insurance and indeed in a lot of cases

it would open behind the main screen or in a separate tab thus it would not be noticed at all

 

A responsible financial institute would place the necessary information next to the tick box to ensure

that it would be seen at the time.

 

In the second case as an IT professional I always ensure that my browser does not allow second pop up screens

as this is a method used by certain websites to place viruses on machines

and deliver unwanted advertising this is common practice among IT professionals

and users alike which is another reason that placing any important information on a separate screen

is irresponsible as it means a responsible computer user would unwittingly block this necessary information.

 

If this information did exist as your member of staff asserts

you would have provided it along with the rest of the information you provided regarding the application.

 

As it was not supplied I believe that no such separate screen existed.

 

I also believe that failing to provide all terms and conditions for the credit card

and the PPI on the same screen as the electronic signature would breach FSA guidelines.

 

Nothing in the documents sent by your member of staff lead me to believe that the PPI was sold fairly

 

As such MBNA did not provide the written documents required under the FSA’s rules

(such as, for example, a policy summary, statement of price, or statement of demands and needs).

A list of the relevant documents is set out in the FSA Handbook,

as are the timescales for providing the documents and, where relevant,

the need to stress to the customer the importance of reading the material.

Currently Pursuing three credit card companies for PPI and charges.

 

Capital one: Sent the required SAR information late, currently working out my claim.

Egg: Sent the required SAR information on time, curently working out my claim.

Virgin/MBNA: Still waiting less than week left to copmly with SAR.

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please post upi the letter you refer too.

 

 

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

or

convert existing PC files to PDF [office has an installable print to PDF option]

.

'

BUT......

ENSURE: remove all pers info inc barcodes etc using paint program

but leave all figures and dates.

.

goto one of the many free online pdf converter websites

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

.

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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what part of please blank out all pers info did you forget

 

posts removed

 

as for the letter

 

thats utter bull

 

we know the boxes on the mbna website were pre ticked

and they've already coughed on such cases

 

he can 'speculate' as much as he likes

 

but he needs to 'prove' the box was not already ticked

 

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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