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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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Hi all.

I never have liked direct debits. I prefer to make payments when it's convenient for me.

Unfortunately my system came a bit unstuck a couple of months ago as I realised I was late in making a payment to Vanquis for my credit card bill.

I immediately sent 2 months worth of payments but by then it was too late. They had recoreded a late/missed payment on my credit file which saw my already not brilliant credit score plummit even further.

I wrote to them explaining that recording this default on my credit file is telling other companies that I may be or about to be in finacial hardship & that was the prime reason for recording a default whereas the reason I was late in making the payment was pure oversight. I pointed out that I've been with them for a number of years, never missed any payments, have received numerous limit rises & have generally been very well behaved.

Unfortunately they were unmoved & their reply simply put was that they were entitled to screw with my file & felt that it was the right thing to do.

Now, I'm not disputing my late payment & the fact that yes, they are entitle to sabotage my credit file but I really don't think it was the right thing to do at all. I can point out that I received no reminders but that is beside the point. It was my own fault. I can't see how I can convince them to change their minds.

I'm more annoyed with myself as I was improving my rating slowly after years of being classed as a bad risk so I guess I'm just venting.

I'm now trying to raise enough funds with which to pay off my balance then I won't need to contribute to their profits or deal with them ever again.

Rant over :mad2:

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Late payment markers are NOT defaults.

 

What you need to do is make a Formal Complaint to Vanquis, I suggest addressing it to the Data Controller, base it on the fact you immediately remedied the late payment as soon as possible.

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Thanks for the reply.

 

My apologies. Of course late payment markers are not defaults. Bad choice of wording.

The letter I received was from a "customer action team representative" who asked me to write back to her if I wanted "clarification" but I will indeed follow your advice & address my reply to the data controller.

 

Thanks again.

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Yes always avoid the customer (dis) service teams especially with banks, CC providers, and DCAs, their sole function is to prevent customers actually getting to someone with authority to make a decision imo.

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I've just checked my records & the due date of the payment that was late was 21st Feb. The min payment was £22. I sent a payment of £80 which was confirmed as received by Vanquis on 28th Feb which was when I realised my error. A little bit of a hair trigger I'd say.

I'm coming to believe this lot are the Ryanair of Credit Card companies. Maybe that's unfair on Ryanair though.

I'll send the letter of complaint tomorrow. I just hope it gets to someone who can see how silly this is.

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The Formal Complaint course is the way forward of that I'm sure.

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I was also invited by Vanquis, in their reply, to make a complaint to the Financial Ombudsman should I not be happy with their decision.

Should I also contact them or wait to see how Vanquis handle my next letter?

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I would certainly prepare a complaint to FOS so as to be ready to go if needed.

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  • 4 weeks later...

Just an update to my situation.

I received what looks like a stock "your complaint is being passed to the relevant dept" letter in reply to my formal complaint.

I'll update the thread on receipt of their reply.

Cheers.

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Just an update to my situation.

I received what looks like a stock "your complaint is being passed to the relevant dept" letter in reply to my formal complaint.

I'll update the thread on receipt of their reply.

Cheers.

I'm looking forward to their response.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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  • 1 month later...
Oddly enough I've still not received any answer from Vanquis.

I've sent a complaint to FOS so I will be hearing something soon - I hope.

They are notoriously slow:!:

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In fact you might even receive a response from Vanquis before you receive one from the FOS !!

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In fact you might even receive a response from Vanquis before you receive one from the FOS !!

 

It'll be a close one:jaw:

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Ok, I'm getting the idea. I wont hold my breath then.

 

Could be fatal with this mob:!:

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