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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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Received and will expire on the 24th I run my own lorry it is for a fuel card for just under 3k,as far as i am aware they cannot go for bankruptcy,How long before they can arrest my bank account

 

2 of my customers have not paid me (18k) really struggling to stay afloat.

 

Been to cab and have appointment for 06/10.

 

I have read that a time to pay application should be sent to the court within 14 days of charge for payment being granted.

 

Advice would be appreciated.

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I dont know the answer to your question, you need to pursue the 2 customers for payment, perhaps you could stall action from the fuel card owner on the basis that you are acting on getting paid.

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Hi Seymie,

 

If no response is made to the charge for payment they will go for a bank arrestment within days.

 

You need to sit and work out your own income and expenditure and fill this in and make three copies (try and make as detailed as poss). You can find these in the CAG library.

 

Complete a time to pay order and where it comes to the income and exp (as it is very small) cross it over and write please see attached detailed i & e and attach one fo your copies to the form and i would suggest you hand this in on Monday.

 

You can find a time to pay order in the following link:

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?185249-Have-you-received-a-charge-for-payment-arrestment-summary-warrant-%281-Viewing%29-nbsp

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Ida thanks for the reply,

 

I spoke too CAB and they will write to lawyers who obtained the decree against me,

will this get me some time to try and get a payment plan sorted out with fuel card company.

 

The 14 day period expires on the 24th will I be notified if they are going too arrest my bank account.

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Hi,

 

Are you going to complete a Time to pay order, you wont get any notice of Bank arrestment or a wage arrestment until after they have served it.

 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

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No it won't get you anytime, you must fill in the time to,pay order via the court. No they won't notify you, until they have actually froze the account.

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

Please consider making a small donation to help keep this site running

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Thanks for the advice Ida & md52,

 

I have completed application as advised and faxed it to Sheriff Court,will hand deliver original first thing tomorrow.

 

It is holiday in Glasgow today, will they accept the fax and will this stall them form freezing my account.

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Update for anyone interested,

 

I hand delivered the application (Form DSA 2) to the court along with detailed income and expenditure.

 

The court were very helpful and it was not as daunting as i had expected,my account has not been frozen and have got more time to sort this out.

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  • 2 weeks later...

Glad you got something sorted Seymie, let us know how you get on.

 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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