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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
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    • 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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opos and a very urgent message


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just had a "very urgent" message from the opos office (sounded like the Home Office at first) urging me to call back URGENTLY.

Could this be regarding an old Minicredit loan which I recently disputed on Noddle.

Have I unwittingly sparked their interest

Needless to say I won`t be calling

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Quite right, never get involved on the phone with these people, if you are unsure what they are chasing ignore until they explain in full in writting.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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If it's Opos who have contacted you then It will be in reference to Minicredit, I have been going round and round in circles with them for several months. From experience Opos will not answer any emails or letters, however if you do send them a letter by recorded delivery they will reply....

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it was a voicemail from a glasgow number but giving a 0844 number to reply to. and hr sounded very official

 

Ha ha 'sounded official' nothing official about these clowns.

 

And don't get into the habit of corresponding with DCA's with recorded delivery, if they can get away with using snail mail 2nd class post, then so can you, just obtain proof of posting from the PO counter.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 2 weeks later...

Ignore the idiots... do not phone them and if they catch you out and you answer your phone to them do not answer their security questions and tell them that you will only deal with them in writing. Have you sent them a telephone harassment letter yet? http://www.consumerwiki.co.uk/index.php/Debt::_Letter_Templates

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As they have now called you twice you could complain to your local Trading Standards office calling into question their fitness to hold a Consumer Credit Licence.

 

The Office of Fair Trading lay down standards that they expect companies to comply with-the document can be found below-

 

http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/OFT664Rev.pdf

 

On page 11 the OFT lay out their definitions of what they consider to be unfair tactics in communication. What Opos are doing is almost exactly what the OFT say they should not be doing-

 

 

Communication

3.2 It is unfair to communicate with debtors, or their representatives, in whatever form, in an unclear, inaccurate or misleading manner.21

3.3 Examples of unfair or improper practices are as follows:

a. use of official looking documents intended to, or likely to, mislead debtors as to their status.

For example, documents made to resemble court documents.

b. leaving out or presenting information in such a way that it creates, or has the potential to create, a false or misleading impression, or exploits a debtor's lack of knowledge

c. those contacting debtors not making clear who they are, who they work for, what their role is and the purpose of the contact

d. sending misleading communications or making misleading statements which may induce a debtor to make contact on the basis of a false or misleading premise

 

 

C and D are the two examples that Opos have breached.

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Ignore the silly children, and just complain, OFT&TS, also OFcom...then get on with your life.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Ha ha 'sounded official' nothing official about these clowns.

 

And don't get into the habit of corresponding with DCA's with recorded delivery, if they can get away with using snail mail 2nd class post, then so can you, just obtain proof of posting from the PO counter.

 

even better is to email, CC your own address and print out when you get the chance... Why pay 50p for a 2nd class stamp?

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I am frmly of the opinion that e-mail for speed BUT written confirmation by post is the security.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Emmm automated anything when it come to finacial matters is risky think on the banks IT melt downs!!!!

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Emmm automated anything when it come to finacial matters is risky think on the banks IT melt downs!!!!

 

important letters then yeah send by recorded - but general DCA crap/letter tennis then there's no reason not to e-mail. automated response is as god as a signature evidencing receipt of a letter.

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  • 2 weeks later...

I have received your email , I am at a loss in what to say, you borrowed funds above and paid nothing back.

 

 

 

I have attached a letter we have sent to you today , I presume the client we represent want the matter heard at court due to your continued default, it’s also been with a previous debt collection agency who you were supposedly meant to make agreement/s to pay back the funds.

 

 

 

We have called you once at work but we certainly will not be calling again if you feel harassed.

 

 

 

I WOULD ALSO ASK YOU AT THIS POINT TO MAKE ANY COMPLAINT WITH OUR GOVERNING BODYS , I DONT THINK 1 PHONE CALL AND 3 LETTER SENT TO YOU WOULD STAND AS HARRASMENT IN ANY COURT.

 

 

 

My clients feel you have clearly took the funds without any intent to give back, we will be supplying the courts with the agreement you took and the statement of your account.

 

 

 

Think you would be best to get some form or representation for the hearing,.

 

 

 

Let us get the matter to your small claims court.

 

 

 

Regards

 

 

 

 

 

Download.html?IDMSG=15434&PJRANG=2&NAME=__PJ_FULL_NAME_ENCODED__&FOLDER=INBOX&STREAM_TYPE=IMAGE&EMBEDDED=true

This is the reply I had after requesting no urther contact by phone. As Victor Meldrew would say " I don"t believe it!"

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Is that via email or a letter they sent? Is that verbatim?

 

I would strongly urge you to forward that nice bit of evidence to the OFT&TS tomorrow.

 

Anyone talking to me in such a condescending manner will get short shrift and be in a world of hurt, unbelievable!!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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We have receivedno response to our previous requests for payment of£4,001.87 on the above mentioned account.

Wehave been asked to evaluate your file for transfer to a Doorstep CollectionAgent with the intention to visit youat your premises within 14 days in order to recover the above outstandingamount including costs and to assess you at your property.

Itis not too late to avoid this action and even at this stage we are prepared toassist you in resolving this matter. To do so please call now on 08443722459. You can also make immediate payment by creditor debit card via our automated payment line by calling 0844 557 8321.

THis is the attachment also sent with a duplicate of the first email

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Hah they seriously sent that? The OFt would definitley be interested in that little number.

 

Also have a look in the library for info on doorstep collectors. These idiots just drop themselves in it, deeper and deeper each and everytime.

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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Janis Dont be worried by these fools

 

First of all they wont take you to court, its simply there to scare you. You dont use representation in the small claims court, it wouldnt go to "your small claims court", but the local county court. Talking utter rubbish!

 

With regards to them saying they are going to get someone to come and asses you, what are they going to do?, take a medial , put you in a strait jacket?

 

Just to be on the safe side, email him a copy of the "No door step visitors letters". also advise that if anyone calls you will call the police to have them assessed for removal from your premises!

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