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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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I have now had my mortgage with Redstone for about 10 years. Recently I have had to move and rent else where. I informed Redstone by post. They wrote back thanking me for updating my information. I rented the house to some nice people and was able to pay my rent and continue paying the mortgage. I moved because the 160 miles a day was killing me.

 

I heard no more until last Tuesday afternoon when I was informed by the people renting my house that the house has a LPA placed on it by the mortgage company. The LPA company are collecting the rent now!!! Redstone collected my mortgage payment too. So I am out of pocket on the rent I paid plus the mortgage amount. Redstone are ahead by nearly three times what they are due. More details later

Edited by citizenB
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Hi welcome to CAG, someone will be along to advise you as soon as they are available.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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  • 2 weeks later...

This has just happened to me but they wrote to me first (via Irwin Mitchell) and they had managed to get it wrong as what I was proposing to do was covered in the original offer. I have been offered compensation but am taking the matter to FOS for the upset caused. let me know if I can help with anything advice on what we did.

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Hi, they said that they had written to me but I have no record of it arriving. So I am guessing they have not actually written at all. It would now appear that they wont speak to me or my solicitor as they instructed my solicitor to contact theirs. If they have not done anything wrong why hide behind a solicitor?

Can you explain how they came to make the mistake?

Cheers

Angryatred

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First they assumed that our property had been let. It hadn't but we had been marketing it. The lawyers they used never bothered to check our application or even the offer and underwriting sheet. Which showed our home was allowed to be unoccupied which was the other tack they tried. I assume you are not direct Redstone borrower and that they took over on the day the mortgage completed. The lawyer dealing with had to deal with me as I 'represented' myself.

 

if you wrote to them to inform them what you wanted to do did you ask for permission or did you assume permission. They are skating on thin ice. I think they (Redstone) are in difficulties and looking to cash in your property, it is likely the next thing they will try is to sell it. In the meantime they will be racking up charges. Your lawyer must not sit back an wait for hem to come to you so to speak rather the must go after them.

 

we need to know how many others are effected by this type of Redstone tactic.

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Well redstone's are a little naughty - the FSA fined them for other unfair practices see HERE some of which was "Mortgage Litigation"

 

 

Hope you can find something in there to use

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I wrote on the 3rd March I think and they replied on the 17th. It was not until the 5th July that I learnt that an LPA was on the property. Yes racking up charges is their game. My solicitor finally got an email from theirs yesterday. Not answering our questions but giving me the options to move back in ( not possible because of work) sell?? what with the market the way it is? or remortgage. I cannot do this either for personal reasons (also a recent ccj) So my solicitor writes back yesterday asking them to clarify whats happening to the rent the LPA company are collecting to be told it has nothing to do with me and that I should continue to pay the mortgage. So I continue to be out of pocket some 625 each month, money I can't afford.

So the final kick in the head. My tenants have the right to be in my property until March next year when I can give them a 2 months notice, I am told. So selling means selling with sitting tenants until then. So selling further impacted. Im thinking so I have to be out of pocket until then the 625 each month but no! I don't

The reason is the tenants have been ordered out and are leaving on the 16th of this month. Now why did their solicitor not tell us this? I found out by speaking with my tenants neighbour who thought I knew. Sneaky Redstone want to sell my property I am sure. They need stopping but how?

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move your wife or family/partner back in on the 16th then instigate a complaint to FOS about the actions of Redstone and potentially their solicitors to the SRA. They (lawyers) will bleat about confidentiality and acting in client's best interests but they cannot do anything unlawful. By the way who are the lawyers acting in the matter.

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Im not sure who their solicitor is as I passed the info straight to mine and he was told to contact theirs.

My solicitor believes that their solicitor is not aware of their miss doings. She is definitely unaware as of yesterday to my tenants departure but its all arranged by the bully boys at Redstone. Obviously on the 16th Im not in breach of any contract and wonder what Redstones next move will be.

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So the story continues. I was told late this afternoon that my house was to be put into the hands of an agent once my tenants are out on the 12th of this month. My solicitor was told that this was because I was not going to live in it myself. Excuse the language but who the F**K do they think they are? They are doing or trying to do exactly what I predicted which is to sell the house right out from under me. My guess is that it would be sold at mortgage value to a 'Friend', who would then sell it at market value for considerably more, then split the profit. I say again, I have never missed one single mortgage payment. How can they do this?

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Its happened. Redstone have locked me out of my house. You know the one.The one I pay the mortgage on each month with out fail and have done for the last 10 years. They appear to do exactly as they want and are fully supported by Irwin Mitchell their solicitors who were unable to talk to me today nor incidentally were Redstone.

Funny that! especially as to day they were taking possession. Bas*ards.

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  • 3 months later...
  • 6 months later...

Redstone **** have now sold my property and at a price of over 50K less than market value. Theres just £400 odd pounds after all their costs left but say it will be used to pay any other associated costs with the house.

It appears they are Gods and no one can touch them.

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  • 1 year later...
I have now had my mortgage with Redstone for about 10 years. Recently I have had to move and rent else where. I informed Redstone by post. They wrote back thanking me for updating my information. I rented the house to some nice people and was able to pay my rent and continue paying the mortgage. I moved because the 160 miles a day was killing me.

 

I heard no more until last Tuesday afternoon when I was informed by the people renting my house that the house has a LPA placed on it by the mortgage company. The LPA company are collecting the rent now!!! Redstone collected my mortgage payment too. So I am out of pocket on the rent I paid plus the mortgage amount. Redstone are ahead by nearly three times what they are due. More details later

 

They are rotten to the core they took our home threw my family on the streets and now I have found out their claim was not even a valid one and they used someone else details, get in touch we need to start a class action.

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We are starting a class action against REDSTONE MORTGAGES. BEACON is now in liquidation and if you have not already seen there has been four test cases.

 

for evil to prevail all it takes is one good man or women to do nothing.

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  • 6 months later...
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