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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
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    • 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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I have been using this site for some time now and have taken on board the fantastic advice given,

 

I have just applied for PPI repayment from the Halifax,

 

I recently posted the amount of debt we had and am in the process of fighting off Very and ISME again,

they are asking for financial proof and proof of my husbands stroke,

which through reading on here,

I no I do not have to provide but was willing to do so,

 

now here is an update.

 

In his infinite wisdom, my husband has decided that to enable him to have a full recovery from his stroke he should and has LEFT us.

 

I am devastated as are my two teenagers

 

last week I started a new job (although only 12 hours per week)

this enabled my husband to still have full-on care, so this was never an issue,

but now I am left HIGH and DRY and at a total loss as to what to do now,

I thought things couldn't have got worse following his stroke but little did I no,

if any one can advise I would be eternally great-full.

I feel like my ship has almost sunk and I am going down very quickly with it.

 

My debts are as follows

I have the following Accounts:

Credit Card Lloyds TSB outstanding £7161.05 in the hands of BLS reduced monthly payment £81.00

 

Current Account LLoyds Tsb outstanding overdraft £6409.34 in the hands of BLS reduced monthly payment £60.00

 

Current Account LLoyds Tsb outstanding overdraft £980.60 in the hands of Apex reduced monthly payment £25.00

 

Current Account LLoyds Tsb outstanding overdraft £2142.05 in the hands of BLS reduced monthly payment £25.00

 

Loan Account LLoyds TSB outstanding £10210.00 in the hands of Wescott reduced monthly payment £103

 

Nat west credit card outstanding £2414.09 £55.00 monthly refusing to lower the payments and freeze interest,

because I messed up my I/E form and charging me £12.00 every month for late payments.

 

Halifax Loan outstanding £7072 PPi Included reduced payments £50 in the hands of Blair Oliver and Scott, I have sent off SAR

 

Wonga PDL £553.00 due 28th October,

PPP in place £137 for 3 months

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Yes I have a mortgage I am paying interest only at the moment, I have recently got a job 12 hours pw £76 I also have a private pension of £300 pm. I have neen told to apply for working tax credits, but I no this is not enough to cover my bills and debts, I am totally wrecked and Im at a loss as to what way to turn. Thank you for your reply amy advice would be so helpfull

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Yes I have a mortgage I am paying interest only at the moment, I have recently got a job 12 hours pw £76 I also have a private pension of £300 pm. I have neen told to apply for working tax credits, but I no this is not enough to cover my bills and debts, I am totally wrecked and Im at a loss as to what way to turn. Thank you for your reply amy advice would be so helpfull

 

Tricia, I am sorry to read of your current plight. I know how everything can get on top of someone, especially when it all seems to come at once.

 

Let's remember:

1. This is mainly money problems. There are many people out there with terminal illnesses who would gladly swap positions with you. You will not starve to death or go to jail - those days are long gone. The only physical damage you will suffer is that which you inflict on yourself through stress and worry.

2. No one is expected to pay more than they can afford. There are a lot of experts on here and you will get some good advice and you WILL come out the other side OK. I know it seems the system is against us but CAG is where things come back into balance.

 

Don't let things overwhelm you - there is light at the end of the tunnel.

 

Good luck

Love your enemies - it drives them crazy.

Thanks to Bobby Thompson (1911-1988) for the user name:"Let them knock, the paint lasts longer than the skin".

nec temere nec timide

 

So far, all done free for friends:

Cabot - F&F reduced debt by £7700 (70%)

NatWest - PPI claim - £1,800

NatWest - PPI claim - £6,200

NatWest - PPI claim - £3,000

Co-op Bank - PPI claim - £5,200

Halifax - PPI claim - £2,800

NatWest - debt identified as statute barred - £1,900

NatWest - debt identified as statute barred - £2,700

NatWest - loan identified as unenforceable - £13,400

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Hi Tricia....i'm really sorry to hear your plight, you are amongst others who are/have been in similar situations. I think a call to the National Debtline may be a good start, their advice is free, confidential and impartial - http://www.nationaldebtline.co.uk/

 

Even if it means you have to pay £1 per month until your situation improves then so be it....

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

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  • 2 weeks later...

Hi and thank you for your responses, I feel a lot stronger now and have been able to deal with things in a more positive way, I have reduced all my payments to creditors to a more realistic affordable amount making things things are a bit easier. Onwards and upwards for me and my children and thank you once again

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