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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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Just wanted to let everyone know how I dealt with some these companies.

 

I had loans with Payday Express, Quick Quick, Speed-e-loans, 1 Month, Mr Lender, CFO Lending, Txt Loan, PDUK, 247 Moneybox, and Wonga.

 

Right, after a a few email exchanges, Wonga, 1 Month, Mr Lender, 247 Moneybox, Txt Loan, and PDUK, all agreed to repayment plans, freezing interest and only charging the amount in the loan agreement of initial loan + 1 months interest.

 

Quick Quid, I had advised them that I was in financial trouble, but they kept lending to me. So when I defaulted I wrote a complaint and threatened to go to OFT and FOS. After over a month of email negotiations and me standing firm, they reduced my balance by nearly £1,000.

 

The remainder was repaid on on a repayment plan.

 

CFO Lending and Payday Express, both ended up with the FOS.

 

I got a repayment plan agreed with CFO and Payday Express, whilst my complaint was being investigated. Basically, mid way through investigation, I made my proposal and it was accepted to my surprise, both over 12 months. All interest frozen/charges frozen. My guess is they wanted to be seen as wanting to help. Initially, they were adding on silly charges, not freezing interest etc...Speed e loans, are a funny bunch. They would still would still want to add on charges.

 

It ended up with FOS, I then decided to withdraw my complaint (as they were just about to investigate it), and sent the complaint to the BCA, which is still ongoing.

 

Right in regards to FOS, I have found them to be, quite frankly, useless. They mainly favour the payday loan companies. Also they make huge mistakes. In regards to my complaint with Speed e loans, 8 weeks had already passed, therefore they should investigate my complaint.

 

However, they ended up writing to Speed e loans asking them to respond to my complaint and gave them another 8 weeks!!! I submitted the complaint to FOS in March and in August, they were still no where near investigating the complaint due to their mistakes - hence why I withdrew it.

 

On another occasion, I submitted a complaint in March to FOS regarding my insurance company (incident happened in Jan and I gave them 8 weeks), after 3 more mistakes by FOS, I am sitting here in October, wondering when it will begin being investigated!

 

Overall, the FOS are not brilliant, after communicating with 6 different people on different complaints, I have only met one that seemed to be clued up. However, dont expect miracles from the FOS, but use them to get what you i.e. the repayment plan, as the payday loan companies do seem to be far more cautious with them than how they would deal with you directly.

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Can you add some paragraphs? It's kinda hard to read. Especially on a phone.

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

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Can you add some paragraphs? It's kinda hard to read. Especially on a phone.

I did, not too sure why paragraphs have not shown. Apologies for spelling mistakes, really should have proof read it.

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Dont worry about spelling mistakes. That doesnt matter. I only posted to let you know that the post is hard to read. Mainly on a phone, but i assume the normal browser too.

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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I've formatted it for you :-)

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Update...I have now had contact from the BCA regarding my complaint with Speed e loans, and all my interest/charges is removed and frozen. That is now 11 payday loan companies, that i now have a repayment plan with (although 247moneybox are playing up at the moment)...and on all of them interest has been frozen and no charges added!

 

Personally, i think taking the complaint to the trade associations such as the BCA may be better than the FOS!

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Who are the BCA?

 

And whilst the FoS may not act in the way you'd expect them to, and are prone to mistakes, I would in all instances where necessary advise people to still raise the complaint with them.

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British Cheque credit association, i think it stands for, basically Speed e loans were a member of them.

 

I agree still raising complaints with FOS, however, if you can take them to a trade assocation, it may work out better and also in less time. Once you receive a final response from the trade association, if you are still unhappy, then you can still refer it to the FOS - best of both worlds!

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