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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
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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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HSBC bank bullied me - PPI - managed Accounts - the lot - HELP!


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Hi,

 

I'm hoping to take on the HSBC as they are crippling me at the monent with charges on top of charges.:rolleyes:

HSBC Current - Prelim sent 14/07/06 £585 claimed :shock:

Halifax Current- Prelim sent 14/07/06 £176 claimed:eek:

HSBC Current- LBA sent 25/07/06 £585 claimed:cool:

Halifax Current- LBA sent 25/07/06 £176 claimed:cool:

Claims settled 12/08/06 Halifax £176,HSBC £485 :p

A & L Switching Bonus 03/02/09 £100

Citi Financial Europe PPI reclaim 02/06/09 £1890 :cool:

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Hello and welcome!

 

Take a good look at the faq, and read around the forum before you start, just so you are sure what to do.

Open a thread in the area that deals with hsbc, and title it something like mullio v hsbc

If you have any questions you cannot find the answer to, just ask!!

 

 

All the best with your claim, keep us posted!

 

Crusher :D

 

 

HSBC WON three times!!!!! Read about my continuing battle (claim FOUR!) Link HERE

Capital One WON Link

HERE

GE capital (5 accounts) WON link HERE

Lloyds bank account WON second claim starting! link HERE

Budget insurance cough up WON link HERE

Principles WON link HERE

A&L (Mrs Crusher's account) claim link HERE

Barclays claim link HERE

 

Any advice given is on an informal basis only and without prejudice or liability. In in any doubt, consult a qualified lawyer.

IF YOU HAVE GOT YOUR MONEY BACK, PUT SOME BACK INTO THE SITE TO HELP KEEP IT OPEN!

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Hello,

 

Just sent the the prelimary approach letter with a schedule enclosed. Claiming back £585 over four years

 

Wish me luck;)

 

Mullio

HSBC Current - Prelim sent 14/07/06 £585 claimed :shock:

Halifax Current- Prelim sent 14/07/06 £176 claimed:eek:

HSBC Current- LBA sent 25/07/06 £585 claimed:cool:

Halifax Current- LBA sent 25/07/06 £176 claimed:cool:

Claims settled 12/08/06 Halifax £176,HSBC £485 :p

A & L Switching Bonus 03/02/09 £100

Citi Financial Europe PPI reclaim 02/06/09 £1890 :cool:

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Good luck Mulio...not that you will need it!

HSBC

09th June 2006 - Data Protection Act Request

21st June 2006 - Acknowledgement from HSBC

30th June 2006 - 33 letters arrive - 6yrs statements

01st July 2006 - Preliminary request for £2868.24.

12th July 2006 - HSBC offered me £1995, I declined.

17th July 2006 - LBA sent, now £2970

01st August 2006 - MCOL for £3778 (inc 8% + fees)

08th August 2006 - HSBC defending ....

31st August 2006 - SETTLED IN FULL - Wooooooohoooooo.

Halifax

09th June 2006- Data Protection Act Request

22nd June 2006 - Acknowledgement from Halifax

08th July 2006 6yrs statements arrive.

10th July 2006 - Preliminary request for £1393.08.

21st July 2006 - Halifax offered £115, I declined..

24th July 2006 - LBA sent, now £1421.

08th August 2006 - MCOL for £1822 (inc 8% and fees)

16th August 2006 - SETTLED IN FULL - woooohoooo

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Has anybody else experienced this?

 

I firmly believe my bank HSBC, are discriminating against me because of my use of Betting organisations

- cash comes in and cash goes out regularly.

 

 

I'm almost certain they "down score" my/your credit rating internally but it's hard to prove if they do this externally.

 

I tried to "pin down" a bank employee in a financial review, when I was refused an extension to an overdraft.

 

 

All I got was "erm...because of the nature of your entries"???

 

Nature of my entries?

 

 

Surely this is not allowed?

 

 

What is my/our legal standing?

 

 

Does anyone know who you can obtain written answers from within the banking fraternity?

 

Anybody got similar experiences or any advice?

HSBC Current - Prelim sent 14/07/06 £585 claimed :shock:

Halifax Current- Prelim sent 14/07/06 £176 claimed:eek:

HSBC Current- LBA sent 25/07/06 £585 claimed:cool:

Halifax Current- LBA sent 25/07/06 £176 claimed:cool:

Claims settled 12/08/06 Halifax £176,HSBC £485 :p

A & L Switching Bonus 03/02/09 £100

Citi Financial Europe PPI reclaim 02/06/09 £1890 :cool:

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Just write to them asking for an explanation. Ask for a copy of there complaints procedure and take it from there.

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Sent my letter 13.07.06 and got this response today...

 

Dear Mr.........

Your reference 12345678

 

Thank you for your letter dated 18 July 2006 concerning the recent circumstances on your account.

 

I am looking into the matters you have raised and will contact you with a full response as soon as I have completed my investigations.

 

In the meantime, I enclose a copy of our leaftlet. blah, blah, blah

 

Yours sincerely Mr HSBC man

Customer Service Officer

 

 

So what do I do now?-bricking it slightly. Is this a general fob of letter? Anyone else had this as their first reply?

I see they have twisted the date of my letter-probably putting when it landed on their desk.

Do I hang fire and wait till the 28th July-then if no response send the next stage letter?

I take it stage two is LBA?

 

Can someone comfort me lol;) Does anything happen between this initial fob-off letter and the next so many days?

 

Mullio

HSBC Current - Prelim sent 14/07/06 £585 claimed :shock:

Halifax Current- Prelim sent 14/07/06 £176 claimed:eek:

HSBC Current- LBA sent 25/07/06 £585 claimed:cool:

Halifax Current- LBA sent 25/07/06 £176 claimed:cool:

Claims settled 12/08/06 Halifax £176,HSBC £485 :p

A & L Switching Bonus 03/02/09 £100

Citi Financial Europe PPI reclaim 02/06/09 £1890 :cool:

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yes it is a fob off just keep to your timetable and send out the next letter when it is due

HTH (Hope This Helps) RDM2006

 

THE FORCE (OF CAG) IS WITH YOU

;)

 

We've Helped You To Claim - Now Help Us Remain

A live Site - Make a Donation

 

All advice and opinions given by people on this site are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.

 

However, if you have found any advice you have been given helpful.

Why not show your gratitude And

Click the * on the post you found helpful.

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Anyone else?

HSBC Current - Prelim sent 14/07/06 £585 claimed :shock:

Halifax Current- Prelim sent 14/07/06 £176 claimed:eek:

HSBC Current- LBA sent 25/07/06 £585 claimed:cool:

Halifax Current- LBA sent 25/07/06 £176 claimed:cool:

Claims settled 12/08/06 Halifax £176,HSBC £485 :p

A & L Switching Bonus 03/02/09 £100

Citi Financial Europe PPI reclaim 02/06/09 £1890 :cool:

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Yep, standard response, hang on and you will probably get an offer in a few days...it

HSBC

09th June 2006 - Data Protection Act Request

21st June 2006 - Acknowledgement from HSBC

30th June 2006 - 33 letters arrive - 6yrs statements

01st July 2006 - Preliminary request for £2868.24.

12th July 2006 - HSBC offered me £1995, I declined.

17th July 2006 - LBA sent, now £2970

01st August 2006 - MCOL for £3778 (inc 8% + fees)

08th August 2006 - HSBC defending ....

31st August 2006 - SETTLED IN FULL - Wooooooohoooooo.

Halifax

09th June 2006- Data Protection Act Request

22nd June 2006 - Acknowledgement from Halifax

08th July 2006 6yrs statements arrive.

10th July 2006 - Preliminary request for £1393.08.

21st July 2006 - Halifax offered £115, I declined..

24th July 2006 - LBA sent, now £1421.

08th August 2006 - MCOL for £1822 (inc 8% and fees)

16th August 2006 - SETTLED IN FULL - woooohoooo

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21st July- Bad news.

 

Got a letter today from Customer Credit services in Sheffield and numerous leaflets on t&c's.

The give me a three page spin on why there charges are justified blah blah blah and that they see no reason to refund me.

 

At the end of the letter it says

 

FULL RESPONSE

 

We hope that you will be entirely happy with the attached response and as a consequence your complaint can now be considered resolved.

 

Then there is an address to write to if you wish to escalate the complaint further:

 

HSBC Bank plc

Service Quality Team

Leeds

 

 

So what is my next step please? Anyone else had this letter? Do I now send my letter before action letter to Leeds?

HSBC Current - Prelim sent 14/07/06 £585 claimed :shock:

Halifax Current- Prelim sent 14/07/06 £176 claimed:eek:

HSBC Current- LBA sent 25/07/06 £585 claimed:cool:

Halifax Current- LBA sent 25/07/06 £176 claimed:cool:

Claims settled 12/08/06 Halifax £176,HSBC £485 :p

A & L Switching Bonus 03/02/09 £100

Citi Financial Europe PPI reclaim 02/06/09 £1890 :cool:

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been there. had that. keep going you'll be fine:smile:

HTH (Hope This Helps) RDM2006

 

THE FORCE (OF CAG) IS WITH YOU

;)

 

We've Helped You To Claim - Now Help Us Remain

A live Site - Make a Donation

 

All advice and opinions given by people on this site are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.

 

However, if you have found any advice you have been given helpful.

Why not show your gratitude And

Click the * on the post you found helpful.

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HSBC Current - Prelim sent 14/07/06 £585 claimed :shock:

Halifax Current- Prelim sent 14/07/06 £176 claimed:eek:

HSBC Current- LBA sent 25/07/06 £585 claimed:cool:

Halifax Current- LBA sent 25/07/06 £176 claimed:cool:

Claims settled 12/08/06 Halifax £176,HSBC £485 :p

A & L Switching Bonus 03/02/09 £100

Citi Financial Europe PPI reclaim 02/06/09 £1890 :cool:

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Well bu**er me, I never got that letter, I feel all left out!

 

Bu**er you later mrs lol:p

 

So it's the LBA letter then now? I believe i have to twink the wording?

HSBC Current - Prelim sent 14/07/06 £585 claimed :shock:

Halifax Current- Prelim sent 14/07/06 £176 claimed:eek:

HSBC Current- LBA sent 25/07/06 £585 claimed:cool:

Halifax Current- LBA sent 25/07/06 £176 claimed:cool:

Claims settled 12/08/06 Halifax £176,HSBC £485 :p

A & L Switching Bonus 03/02/09 £100

Citi Financial Europe PPI reclaim 02/06/09 £1890 :cool:

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faulty goods lol

HSBC Current - Prelim sent 14/07/06 £585 claimed :shock:

Halifax Current- Prelim sent 14/07/06 £176 claimed:eek:

HSBC Current- LBA sent 25/07/06 £585 claimed:cool:

Halifax Current- LBA sent 25/07/06 £176 claimed:cool:

Claims settled 12/08/06 Halifax £176,HSBC £485 :p

A & L Switching Bonus 03/02/09 £100

Citi Financial Europe PPI reclaim 02/06/09 £1890 :cool:

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  • 3 weeks later...

Great news all. I won!

Got the full £176 from the Halifax!!!

Got £485 offered from HSBC which i'm taking!!!

 

Both offers arrived this morning-was getting my court details sorted when the lovely post came.

 

Stick at it folks-even through the bad times.

HSBC Current - Prelim sent 14/07/06 £585 claimed :shock:

Halifax Current- Prelim sent 14/07/06 £176 claimed:eek:

HSBC Current- LBA sent 25/07/06 £585 claimed:cool:

Halifax Current- LBA sent 25/07/06 £176 claimed:cool:

Claims settled 12/08/06 Halifax £176,HSBC £485 :p

A & L Switching Bonus 03/02/09 £100

Citi Financial Europe PPI reclaim 02/06/09 £1890 :cool:

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I'm going to be on hand to offer advice & support for all. I was so close to jacking it all in and giving up.

HSBC Current - Prelim sent 14/07/06 £585 claimed :shock:

Halifax Current- Prelim sent 14/07/06 £176 claimed:eek:

HSBC Current- LBA sent 25/07/06 £585 claimed:cool:

Halifax Current- LBA sent 25/07/06 £176 claimed:cool:

Claims settled 12/08/06 Halifax £176,HSBC £485 :p

A & L Switching Bonus 03/02/09 £100

Citi Financial Europe PPI reclaim 02/06/09 £1890 :cool:

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as they say patience is a virtue well done

  • Confused 1

WHEN THE WORLD GETS IN MY FACE I SAY HAVE A NICE DAY :lol:

 

MY SUCCESSESS

HSBC £5,735.35 :D

MUM IN LAW £2112.00 WIN FROM HALIFAX :grin:

MUM £3580.00 WIN FROM NatWest :grin:

AUNTIE 2 NATWEST WINS £1865.00 AND £2541.00

EQUITA BAILIFFS £293.00 REFUND :grin:

MBNA £871.16 WON WITH CI AT 24.49%

WELCOME FINANCE CHARGES £600 APPROX didnt even need letter lol

CAP ONE WON WITH CI AT 29.9% £994.26

 

CLAIMS ON THE GO AT MO

mbna ppi

NatWest cc at mcol (ppi next)

welcome ppi

first response charges

 

IF I HAVE HELPED IN ANY WAY HIT THE SCALES IN BOTTOM LEFT CORNER THANK YOU ;)

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