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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.
       
      • 3 replies
    • 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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Is there life after a settlement!!!!!


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Well I've finally been paid up in full, yesterday to be exact. Don't know what I'm gonna do now with all this time on my hands. I've decided to settle my overdraft rather than go on a spending spree and after my donation that leaves me with about £70 and loose change so I'll raise my glass to you all and wish you luck.

 

Has anyone actually tried for the refund of interest paid? When I rejected their offer of £750 which was more than £300 less than my claim they withdrew the offer and basically said 'see you in court'. This scared me a bit but i had a moments of madness and I told them if I didn't receive the full amount in 14 days that I would initiate my claim and as well as the 8% interest I would be claiming all interest charged over the last 6years at 13% plus the £120 court costs which added another £600 on top. They didn't pay up so I did just that, bringing my claim to £1656.33.

 

14 days after my MCOL they offered full payment with the confidentiality clause which I crossed out. Yesterday it was in my bank. Happy me........ but gonna be bored.

 

 

12th August initial request £1085.16 (Ignored)

2nd September LBA + Schedule of charges

11th September offered £750

14th September rejected their offer and added refund of interest at 13% bringing total to £1656.33

19th September HSBC withdrew offer

25th September filed MCOL for £1656.33

5th October offered full amount of £1656.33

12th October paif in full.

 

Thanks everyone for all the support and good luck.

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i know what you mean - got our money last weekend - put most of it on their lousy loan taken out to pay their lousy overdraft. keeping an eye on the more interesting threads but basically - can't remember what i did before i took on hsbc. guess i'll have to get a life now!

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As distatseful as it seems to give them even the smallest amount of money back, at least with a clear accoutn you can sit back in the smug and delighful position knowing they wont get another penny out of you.

 

I have to say i have spent hour upon hour reading through the various threads, the behaviour of some of the banks and my personal experience of HSBC has left me with a loathing of them.

I point blank refuse to have an account now, it would offend me to have to have dealings with them ever again.

Matress banking for me from now on, at least that way i know exactly what i have got, if i aint got it i cant spend it, if i cant spend it i cant get charged for it.

I love the smell of banks coughing up refunds early in the morning

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