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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 people I need help . I have TV from bayv and been with them for over three year payed off other items ( only ever missed few payment right at beginning through misunderstanding but sorted years ago ). Due to tax credit cut we had to make list of who get payed so we pay ele gas TV licence rent council tax all at reduced rate and the rest of debt had to but on hold until we got sorted .

 

Well this week since 9am Monday we have had bayv rep at our door 2-3 times aday demanding money (£12) I told him from start what had happened but he just said so we want paying and I will come until you pay .

 

I asked not to he keeps coming at 9 am and 3 pm just as school at just over road is opening and closing shouting we own £12 ( very embarrassing ) . Well yesterday he came again 9 am told him to please leave us alone and that he is now staring to course us a lot of stress he said so I want money now I just closed door .

 

He cam back at 3 pm this time more threatening my wife was in bed as she work late nights I asked him to please stop calling he said no I asked him to leave my property he said no I said if not i will remove him and if needed with reasonable force .

 

He replayed I call the police at that my wife shouted out bedroom window to move and get in car . He the phoned someone and said me and my wife threatened to assault him ( not true total lie ) with in 5 min a seconded rep turned up and parked right across my parking bays (remember at his time lots of people about picking kids up ) there stood like mafia out said my door so I phone the police there said someone will come as his is not rite .

 

As I put phone down police came so guess he phone too . I went out and said to officer I will talk to him and him only at this he said get in side in a very horrible tone . Five minutes later the officer just walk into my house with out invite I have very small dog that love to play and like to be fussed the dog jumped at officer and he started shouting at my little dog and push her away and made a kicking motion I told him this is my house and is her home too and not to treat her like that he said he get dog section to take her away .

 

My daughter who's dog it is started to cry . So we could sort this we put dog in garden at his the officer said HE was taking my TV if we didn't pay the £12 now I said we don't have it he said well am taking TV I said he as no right to do that he said I do as I have this uniform on and can do what I like and if I want can use force and arrest me I said he can not and asked what law as been broken and what law was he using he said he dose not need any .

 

At this my got very upset and got £11.40 ( my daughter dinner money and bus fare for next two day for school ) at this the officer went out side and said if we don't pay he getting back up and if needed will force entry . I asked him what law was he using again no reply I asked this many many time with no reply . My wife came out in bits and give rep £11.40 the rep said its £ 12 or nothing at this I took money back . The officer said right am taking TV I said no you not . The bayv rep said he can take TV as we have payed less then a year on it .

 

I said no way it's over two year he went on his little computer and said opps you RIGHT at this there change tack very quick . The officer jump in van with rep and talked aw by way officer refused his name and kept moving his shoulders so could not get number properly . While all this his going on in street all the neighbours came out very imbarassing .

 

I went inside my wife asked what was the officer going to do he just laughed at her blow her kisses wink and drove off laughing . The rep move up the road and stayed there for around 15 min . This as to stop I now have no conferdance in Cleveland police and will never ever again let them in my house not that I let them in this time .

 

We are now very upset stressed and my daughter would not go out last night scared that her dog was going to be took away ( more worried them if I was getting took away lol ) .

 

Please can anyone help me with what I can do about this and if police can act in this way . Many thank people foza11.

Edited by citizenB
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In the first instance you should make a formal complaint - in writing to the company. Send to their Head/Registered office with a copy to the store.

 

It is very worrying that the police were called and their attitude to this type of call out. I would suggest you make a written complaint to the police station. They will have a record of the call out. So if you explain that the officer refused to give a name or let you see his number, but give precise details of the time/date of the incident, they should be able to work it out.

 

Have you paid more than a 1/3 rd. of the price of the television ?

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

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Yes payed over two years on TV . Just had rep at door once again demanding £12 asked him to please stop . He reply I will be back later and keep coming back until we pay . Is this not harassment ? It's really get me down now .

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It is indeed, if you have paid more than a 1/3rd of cost of the item, then they will need to issue a court order to obtain possession of the item.

 

I have advised what you should do in post # 2

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hi

While it was embarrassing for you, can you speak to your neighbours who witnessed this appalling behaviour and see if they will do a witness statement.

 

BAYV are way out of order. You tell them to leave and they must. They should have been arrested for trespass and harassment.

 

A written formal complaint to the local plod is essential. The lack of knowledge is no excuse for this copper to say they could take the TV

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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  • 1 month later...

I can personally vouch for BAYV corporate poster and, indeed Elaine...

 

The police were/are way out of order and this needs sorting ASAP...

 

This kind of thing with police and bailiffs is, sadly, very common and needs to be taken to the highest levels and addressed nationally...

 

I will write a short article and post a link here as soon as possible...

 

In addendum - The police may well have acted on the call from the BAYV rep. if he called first. Again, this is very common practice and very unfair but they will try and say that the rep. said he was threatened and they acted on that call on a first come first serve basis...

Edited by babybear39
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"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

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The OP has not come back to update us!

 

Such a shame because we can help get this sorted :(

"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

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  • 2 weeks later...

hello, i hope that you sort out your situation with BAYV soon.

 

it is interesting for me to read that you have been accused of assault. this week, a BAYV representative called at my home and also accused me of assaulting him!

 

if you can, please post an update to your problems, what you did etc... good luck in dealing with this BAYV

If I've given you advice, then it is just my thoughts / opinions - doesn't mean I am right!

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