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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 discovered that I have been paying PPI on a Yorkshire Bank credit card that I took out in October 1997.

 

At the time I was working full time and was entitled to sick pay of 6 months at full pay and then 6 months half pay.

 

In 2007 I fell upon hard times and ended up having to seek help from Payplan (owed £7000 on the card).

 

The account was passed on to a solicitors and I made the agreed payments.

 

In November 2009 the account was assigned to Marlin Europe I Limited and I continued making the agreed payments to Payplan

 

until August 2010 when, because my finacial circumstances changed I left Payplan and set up a direct debit with Marlin.

 

I currently only have £1775 left to pay on the debt (20% less if I pay in full - special offer!)

 

My question is who do I pursue for the missold PPI - is it Yorkshire/Clydesdale Bank?

 

I don't have my original credit agreement but do have the account number and statements from 2006 showing the PPI payments which I must have been paying since 1997.

 

The card was cleared in April 2006 (at the time I had a balance of almost £5000, the debt accrued after that.

I can't remember how I got the card, I presume it was over the phone

but I was totally unaware that I had PPI until two days ago when I found the statements.

 

Hope someone can help me.:???:

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welcome aboard

 

PPI claims go to the OC, so YB will be your target.

 

now this debt....

 

if they are offering a discount

that means something is wrong

 

could be PENALTY charges

or

PPI

or

no paperwork.

 

i would CCA [see the library green tab top left - then dca section on the right] marlins

 

as if they dont have a copy of the agreement, then you can stop payments

if they dont give it to you.

 

me thinks you've been cash cowed long enough here i bet.

 

have you got all your CC statements

 

if not you might also need to SAR YB.

 

looks like you're in for quite a windfall

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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Wow! That was fast ... thanks very much.

 

I only have statements from 2006.

 

As far as I am aware no interest has been added since Payplan intervened.

 

Marlin contact me every 3 months and I usually up the payment a little (currently paying £180 pm).

 

I have no income whatsoever,

am married but not financially linked to my husband,

but obviously the money to pay the debt is coming out of his salary.

 

Can I just ring them and ask for the original credit agreement?

 

Or would it be better to put it in writing?

 

Thanks again for the help.

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oh dear

 

me thinks you've been cash cowed badly here

 

marlins nor any DCA has NO RIGHT to see any of your per financial details!!

you are also not legally obliged to talk on the phone to them EVER!

 

writing only!

 

fire this off to Marlins.

 

http://www.consumeractiongroup.co.uk/forum/content.php?590-Creditors-and-DCAs-Letter-Templates-Budget-Planner

 

letter N.

 

do NOT sign it.

 

they have 12+2 working days to comply.

 

if they fail in this time, you are within your legal rights to stop all payments.

 

now £180PCM when you have NO INCOME!!

 

in with the CCA request send them a letter.

 

indicate that you have now discovered PPI

and are in the process of reclaiming that from YB.

 

in respect of this , bearing in mind it will be worth SEVERAL £1000's i bet.

 

you are dropping your payment to £1PCM.

 

cancel payplan too.

 

cancel the DD as well.

 

have you ant other debts through the DMP?

 

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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I am no longer with Payplan or any dmp.

 

Payplan said it would be better to deal with the debts myself if I didn't want to go down the bankruptcy route (which I don't).

 

I have another credit card (£1900 owing ... am making just over the minimum payment each month ..

. this doesn't show as a default on my credit report anymore but they have started adding the interest again the last few months).

 

I also have a loan with Northern Rock (in joint names with an ex partner), it was linked to a previous mortgage.

I was very stupid for taking it out as it is over a very long period of time, not paid up until 2026.

 

When we split up I verbally agreed with him to pay it as he paid off all our other debts - this was the only one I could afford the monthly repayment on.

 

I must have paid almost £10,000 by now.

Borrowed £11,000 ... still owe just under£10,000!!!

I have never defaulted on this, even when I was with Payplan and they were paying a percentage of it only,

 

I made up the rest of the monthly repayment (paid it to my ex and he paid it to Northern Rock).

 

Can only deal with one thing at once though ...

it's all so time consuming and I am so scared of having to go bankrupt unless absolutely necessary.

 

My husband is not very happy about having to pay the Northern Rock as you can imagine,

but I see this as my debt (even though it is only a verbal agreement).

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ok well we will deal wih those in due course then.

 

right this YB PPI claim

 

follow post 4 get that CCA off today to marlin

go get a £1 PO remember dont sign the letter either.

 

as for what statements you have with regard the PPI.

 

fill this in

 

This second spreadsheet is a compound interest calculator and can be used both for PPI claims and Charges Reclaims on Revolving Credit Accounts such as credit cards. Compound interest is not an award that foslink3.gif will give in respect of PPI claims but it can be used in PPI cases that are pursued through the courts. It is the standard sheet that is also used for charges reclaims both on credit cards and loan accounts where interest in restitutionlink3.gif is claimed.

 

CISheet v101.xls

 

 

might give you a nice shock!

 

also you've not got lots of £12 [or more] PENALTY fees have you

like over/late etc?

 

if you have you can get those back too!!

 

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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