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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
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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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Can I totally just stop paying my payday loans?

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I have 6 payday loans, About £2400 in total


mini credit

speed credit

payday express

liquid advance

lending stream


obviously its now about £4000 due to all the interest

I was with a debt managment company but due to my financial situation i cannot afford to pay them and have stopped


My question is..

I'm due to move house shortly

can i just move and put all my house hold bills in my wifes name

and change bank and change my phone

and just sort of go off the grid?


I know it sounds drastic, and to be fair when we move i will have about 12k to be able to pay them all but i'm just a bit ****ed off with thinking i'm going to have to pay all that over the top interest


would they just eventually just give up?


actually i dont mind going to court either if it came to it. I've never on this site ever read that they have taken anyone to court! has anyone truly been taken to court over non payment? afterall people seem to forget we are talking "small" claims court


on a funny final note, has anyone phoned the northern debt recovery line? does that guy on the recorded intro sound like the sith lord from star wars lol " wee willl fasst traack yourr debbts throughhh thee coouurts...." oh really sigh*


my wife will take over all bills i will have nothing in my name and diff bank accounts and new address

im self employed could this actually work? even if it didnt and they eventually cought up with me i would just plead ignorance and say i forgot when i moved to inform as i forgot who i owed, anyone know if this could work?

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We dont condone debt avoidance at CAG. They WILL find you eventually. PDL's WILL take debtors to court too if they think they can get judgement by default. Look at this scenario:


You do what you say and run off to avoid paying the debts.

The PDL's get no response and neither do their DCA's.

They now issue court action on your last known address ( or they can easily find you through your credit record file).

There is no response to the claim form so they get judgement by default and you get a CCJ.

You find out you have a CCJ and try and get it set aside as it has destroyed your credit rating.

PDL's use the new info you have given on the set aside to chase you at your new location.



Not as easy as you think it is. Not to mention that you are technically committing fraud.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..



If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks


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By all means STOP paying your payday loans in the sense that you're rolling over and just paying interest..


However, set up a repayment plan with them. Or if you have the funds, which you say you will have shortly, pay them off.


Some sound advice from renegade above.


CAG supports and advises those that want to tackle their debts by dealing with them in a fair and affordable manner.


Running away is not the answer. These sharks are well known for adding ridiculous charges and interest to loans. We've seen stories here of loans increasing from original £100 to thousands. If they obtain judgement by default against you because you've moved house a CCJ isn't that easy to hide from.


If you want or need any advise as to how to deal with these company's... Give us a shout. There's a few familiar names on your list.





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It never rains but it pours...

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Yep. It is MUCH easier to sort the debts out than run away from them. The only realistic way of avoiding them is if you move out of the UK to a country that wont enforce UK debts.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..



If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks


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Is this just avoidance, or evasion, pure and simple, a criminal offence?

Gunner, read some of the threads on this site about National Hunter and you'll find that hiding your vitals isn't the piece of cake you may expect.

Also read some PDL threads, and you'll see there are realistic ways of not being forced to succumb to their disgusting usury.

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