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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
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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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PPI Help Please Goldfish/Atkiv No documents request your proposals by return


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Hi new to this forum so hope I am doing this right

 

- in a DMP and have been advised by the DMP people to check any PPI misselling

- I know I did have PPI but no longer have any paperwork

 

- wrote to Atkiv who took over the Goldfish account some years ago requesting copy of credit agreement for Goldfish & they replied:

 

in view of age of this account the original creditor is no longer able to supply the documents requested

and we therefore request your proposals by return

 

- can anyone advise me what they mean by this and what I should do next

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Hi welcome to CAG,

Have you been paying this debt via the DMP?

How much was originally owed, and is the debt actually reducing?

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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hi yes am paying this debt through DMP - the original debt was I think for about £2,500 - it is reducing but only very slowly now as at the moment only paying £1.50 per month - thanks for your interest

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You mention quite a time span on this debt, when was the debt defaulted?

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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get out of the DMP if its fee paying

 

dont let them NEAR your PPI reclaim either

 

that'll go in fees too.

 

if the OC cannot supply a CCA WHY are you paying it?

 

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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Not showing on credit reference files?

 

And as dx said get out of the dmp and DIY.

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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hi the dmp is with payplan so no fees

- they did suggest that they did the PPI claim through I think an associated company

but as I had already started I said I would see how I got on

 

- I've been paying although not always very much ever since the debt defaulted back in about 2002/03

 

- I have only recently found out about asking for CCA etc

& I have read about not paying if they cannot supply you with a CCA

but I would not want to muck up my payplan agreement

 

- would they be happy if I stopped paying if there was no CCA?

 

thank for any help

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Payplan needs dumping in this instance.

 

sadly they never actually check those in the plan have the LEGAL RIGHT to get payments

or

even if the debt is enforceable.

 

any other debts in the DMP?

 

defaulted in 2003... £2.5k was a credit card

 

def had PPI

 

most prob inflated with UNLAWFUL penalty charges

 

me thinks you've been cash cowed here for years

 

esp as AK are the owners i bet.

 

CCA AK NOW!!

get out of that DMP

 

PP will not let you drop one debt.

 

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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hi thanks for your replies

- I did wonder but perhaps this is a stupid idea

- whether as there is no CCA I could ask Atkiv to accept a payment in settlement of the debt

(they have written on occasions saying I could clear the debt for £500 but I can't raise that)

- I could raise about £50 from a family friend

 

I found it very difficulty dealing with my creditors &

Payplan was suggested as a way of moving forward

& it has helped a lot

but perhaps I need to rethink things a bit now thanks for any help you can give

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if you've had discount letters

 

that a VERY big indicator that you owe NOTHING.

 

its either mostly PPI or PENALTY charges

 

or

 

there has never been an enforceable CCA

 

cash cowed me thinks sadly.

 

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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As above- payplan do not check if any debt is legally enforceable.

 

Get the bank account details from each account you owe and pay them yourself

then check by CCA request if the debt is enforceable

if not tell them to get stuffed.

 

I did this and will be debt free on the three debts that were enforceable in 18 month

and all debts that were unenforceable will be statute barred in 6 month.

 

If I had carried on with my dmp I would still have been making payments until 2019.

 

Three of my debts had not done the paperwork correctly and had had payments equal or more than the value of money/goods originally made so I told them to get stuffed.

 

But if you do this be prepared for the threats and screams from the creditors/DCA's when they see that their easy money has stopped.

 

dpick

cannot find it A to Z

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

 

 

Halifax :D

Paid in full £2295

 

MBNA:mad: 20/03/2008 settled in full out of court

 

Capital One:D

07/07/2007 Capital one charges paid in full £1666

19/01/2008 recovered PPI £2216 + costs

 

Littlewoods :-D

12/08/2007 write off £1176.10 debt.

 

JD Williams charges refunded in full £640

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hi thanks for your replies

- certainly giving me a lot to think about

 

- can you help me on another point

 

- I went into default in 2002/03 on various credit cards

I think most had PPI but can I get any information to confirm payment of PPI as it is such a long time ago

- see people mentioning banks only going back 6 years if you send a SAR which I think costs £10

 

- someone suggested to me just sending of PPI claims and seeing what happens

- can you do that? - thanks for your help

 

can I just Atvika if I paid PPI

- would they know and would they just tell me?

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nothing to do with the DCA's

 

they are toothless.

 

sar the OC's.

 

 

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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