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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
      • 49 replies
    • 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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EGG loan - Settled with Clarity, now Freds/carter, but owned by Brits


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Back in 2008, before I discovered CAG, I made a Full and Final settlement with Clarity over an Egg loan. I still have all the correspondence and the acceptance letter from Clarity. Then last week, out of the blue, I got this letter from Egg:

 

Egg-Letter-24Jun11-edited.png

 

And today I got this from Arrow:

 

NoA-Egg-25Jun11-edited.png

 

It will now be well statute barred in any case, so it seems to me that I'm covered any which way. Either they accept the F&F letter, or they don't and it's Stat Barred. Do you think this requires any sort of response at this stage?

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prob fleeced in the first place on a debt you did not need to settle

 

anything on your CRA?

 

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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When the F&F was made was it stated that the balance must not be sold or assigned after the sttlement

was made, I notice reference to Wetcott were they involved at any time?

If you have all the docs relating I would check carefully on the terms of the settlement.

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I do wonder if they are trying on with the balance left after the F&F, taking it as a payment that has

restarted the 6 year clock.

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prob fleeced in the first place on a debt you did not need to settle

 

anything on your CRA?

 

dx

 

I probably didn't need to settle. On the other hand, it was for 11%, so I was reasonably happy at the time. Nothing on the CRA.

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When the F&F was made was it stated that the balance must not be sold or assigned after the sttlement

was made, I notice reference to Wetcott were they involved at any time?

If you have all the docs relating I would check carefully on the terms of the settlement.

 

I don't recall whether Wescott were involved. I did a lot of head burying at one stage :(

 

From the F&F letter:

 

...I am writing to confirm that our client would be willing to accept a payment of £xxx as full and final settlement on the above account
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For peace of mind perhaps a letter to Westcott stating the F&F

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In view of the note from the settlement ignore unless something crawls out of the wood work.

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Thanks Brig, I think that's exactly what I'll do. Knowing that I've got those letters in my armoury, I can do a lot of ignoring if they do start chasing it again :D

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Your welcome you have done most of the work yourself.

Good luck keep us posted.

Brig.

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I had the same issue with Citi and Cabot. I sent Citi a formal complaint regarding the undue stress and anxiety that selling this alleged debt had caused due to Cabot harassing me for settlement. I also pointed out their lack of transparency regarding any outstanding balance and that I believed their conduct in accepting a F&F and then selling it on to be misleading unfair and contrary to professional diligence.

 

I have been offered £50 compensation by Citi in response to this complaint and Cabot have confirmed that they will not be contacting me again regarding this matter.

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10xthat would be mor appropriate IMHO

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I could have argued for more but to be honest, I just wanted to get rid of Cabot. I know how hard that has been for many people so when I received written confirmation from them this week I was very happy!

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As long as you are happy it's a victory.

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I do wonder if they are trying on with the balance left after the F&F, taking it as a payment that has

restarted the 6 year clock.

 

I on the other hand think that they have taken the payment in F&F, then claimed the rest of it through their insurance, and are now being so blatantly rapacious that they are passing round non existent paperwork debts so that the whole sad sorry world of debt buyers & sellers can continue fabricating accounts to show off and willy wave at each other......allegedly!

 

OFT&TS might like to hear of this little ploy!

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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I suspect the letters have been issued in error. They probably did a query on all accounts passed to recovery within a period of time, in order to generate the letters on bulk to all those that may be affected by this change.

 

I doubt you will hear anything more, but if you do you have the info about the F&F to send them.

We could do with some help from you.

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Agreed uncle.

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Regardless it is a miserable argument that they "may" have issued them in "error" you still need to lodge formal complaints about them to those responsible for regulating them, otherwise people will continue giving them the benefit of the doubt and sit on their laurels hoping it is just an admin error.

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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  • 3 months later...

I'm afraid I need to resurrect this old thread. Wescot have now sent me a threatogram demanding payment for the balance after the F&F settlement figure is taken off :mad: I notice they have been very careful to obfuscate exactly what the alleged debt is, and who it was originally with too.

 

I'm not sure how to best proceed with this - should I:

 

  • Ignore them for a while
  • Write a snotty letter to Clarity
  • Write a snotty letter to Wescot

Or I'm open to any other iders that my fellow Caggers may have :)

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Nice calm but firm formal complaints to both, I

would suggest sending the complaints to the compliance managers

of each company

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did warn you...

 

is it showing on your cra file?

 

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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The best advice I can give on this

point is check CRAs at least every

3 months if you have ongoing problems.

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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then you owe nowt!

 

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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