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    • Apologies if this rambles slightly I feel a little brain dead after yesterday    I just want to know if I'm being unreasonable in one of my points (holding them responsible for costs to possibly damaged engine if I can get an engineer report)    Basically broke down in a layby on the a43, steam from bonnet high engine temps   RAC arrives declares it a minor leak and tops up then says OK to continue (4 miles to services) then recheck and says fine to drive home   30 miles later large amount of steam from engine and lose power, get it to hard shoulder   Next rac chap arrives and says it blowing like that may have damaged engine as it now doesn't start, says it will need a crane truck as 4wd and auto says priority job as 3 children on hardshoulder in the rain (1 in wheelchair)    3 hours later, I've chased rac twice and been rung by highways agency twice (who have also complained to rac)    Tow truck arrives (flat bed) advise them we were told it needs crane and drive says its OK it will run, after cranking engine for over 5 mins drives it onto truck pouring fluid out the bottom   I can't help but feel that him cranking engine that much when pouring fluid is likely to have done alot of damage as well as being told to continue on a leaking engine    
    • Thank you. I’ll sit on my hands, for now! 
    • 29 Farage Garages? or Just the latest of many Johnsons Follies?     "New photos show how the county nicknamed the Garden of England may soon be more accurately described as the nation’s lorry park – thanks to Brexit preparations. The images show the full jaw-dropping magnitude of a scheme (one of 29 such) which will see 27 acres of Kent’s green fields ripped up and concreted over to create a sprawling 2,000-vehicle holding facility for trucks crossing the Channel."   https://www.independent.co.uk/news/uk/home-news/brexit-news-uk-kent-lorry-park-channel-crossing-b1278893.html   From comments: They promised us the easiest deal in history. Frictionless trade. And better jobs for the "forgotten". This is what we get. ... lorry dumps and portaloos that come to symbolize this incompetent callous government.
    • Top paediatricians have written an open letter to government about children going hungry and supporting Marcus Rashford's campaign.   https://www.theguardian.com/society/2020/oct/24/open-letter-from-uk-paediatricians-about-free-school-meals
    • It's not worth appealing because ECP won't listen, unfortunately, plus you can give the impression that if they lean on you, you'll pay them money when you don't need to. The only time we normally advise writing to them is if you get a Letter Before Claim/Action.   Best to say nothing for now and if you do get a LBC, we'll help you to draft something. Have a read around some other parking threads and you'll get an idea of how these people operate.
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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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I found an old HFC Loan Agreement from 1986 not sure if anyone has claimed back that far.

Will be sending the doc's off today will keep you informed.

It's Ironic that at the top of the agreement it says TRUST would you trust them:roll:

davsib:-)

HFC go get them:-)

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If it is of any boost to you, HFC coughed mine up back to 1988/89.

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If it is of any boost to you, HFC coughed mine up back to 1988/89.

They are going to cough up for my other claim 1989 only offered 3k, it should be 6k so rejected it, just waiting for their reply.

Yep its an old doc missed it the first time searching the loft:shock:

davsib:-)

HFC go get them:-)

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  • 2 months later...

UPDATE

 

 

Telephoned HFC today to see what was happening with my claim,.

You’re not going to believe this but they say they haven’t received my claim.

 

I told them I had sent it recorded on 5th February. They have told me they would sendout a claims for out to me and the 8 weeks turnaround time scale started fromtoday.

 

Here’s the post office tracking:

 

Your item with reference AI8941*****GB wasdelivered from our COVENTRY SOUTH Delivery Office on 07/02/13

 

Just more delaying tactics by HFC

 

davsib:-)

HFC go get them:-)

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Oh that old chestnut! When I sent my SAR request we were backwards and forwards for ages. We haven't received your proof of ID, we haven't received your cheque. Even though it was all sent together they swore blind they didn't have it. One department sent back all the info and the cheque saying they didn't have proof of ID and another sent paperwork and proof of ID saying they couldn't do anything without a cheque! Total idiots. I think the only reason they coughed the old agreements was when they realised I wasn't going away. They even gave me back my £10! Let's see how they feel when my claims turn up!

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I keep getting someone called Dexter,

he keeps telling me they only go back 6 years, he must say it that many times a day. I think he just presses a button, then if you ask for a supervisor I always seem to get Anita, then we have to go through all the questions over and over again. They seem to be nice people but think they have been told what to say.

I for one will not go away :wink:

davsib:-)

HFC go get them:-)

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They are insisting I send in my bank statements to show that the loan payments were actually made, despite sending a SAR saying they had no records, and me sending through a copy of the loan agreement etc etc so many times. They have offered me 1 months premiums plus interest to date as I only sent them one bank statement (I did that to prove I did have records), and now think I should take mickey and send them very second one for 48 months, and then the rest when they have recalculated just to keep them busy. The said I cannot take it to FOS but instead to the FSCS or something. The loan was a loan rather than a finance leasing agreement so I think they are wrong on that score.

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They have asked for my bank statements I do have most of them. I keep telling them if I hadn't paid it off they would have been chasing me for thedebt.

 

I'm just about to go to FOS with my other claim with them, think they justtry to make it as difficult as they can so you give up. I will not be givingup, I have waited this long so another years not going to bother me.

HFC go get them:-)

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