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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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Hi,

 

Following the break up of my marriage I moved in to a granny annex that a friend had empty.

 

I don't have a different address - I use the same address as my friend. That is I use 66 My Street rather than 66A My Street.

 

I have a number of credit card debts which I have been ignoring for some years and have been watching them pass from one low life DCA to another, and ignoring their phone calls.

 

A couple of days ago BCW called my friend's house phone and asked to speak to me. My friend being a kind, helpful person took a message - why would they not, it could've been something important - rather than saying that I was not available on that number.

 

How they got the number is beyond me - I have never used it or given it out.

 

Knowing how DCAs work, it is likely that they will call again, probably on a daily basis.

 

What should I do to stop the calls to my friend?

 

I don't want to call BCW. I don't really want to write to them as it will confirm my address (though they presumably got that when I changed address at the bank through the CRA info).

 

Thank you,

 

Sue

Brought to my knees by the banks, but up and standing again. Nearly.

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If they ring again instruct your friend to just hang up. \

If they ring and you answer just say contact me in writing only and hang up. Do not answer any of the security questions.

 

You have to write to them, just be brief and say that you wish to be contacted in writing only and to remove this or any numbers from their records, failure to do so will warrant a complaint to oft and other relevant governing bodies. \

 

Ignore threats of doorstep goons also. They have no powers, just to be safe id include that in your letter, removal of their implied right of access. Any persons sent to your door after that notice will be trespassing and you can have them removed via old bill. (Police)

As for confirmation of address do they know you live there?

Question also how they got you friends number, probably an underhand way of doing so. }

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If they ring again instruct your friend to just hang up. \

If they ring and you answer just say contact me in writing only and hang up. Do not answer any of the security questions.

 

Thanks.

 

Sorry, I should have said - although it is a granny annex, I have no access into my friends house or the use of their phone.

 

It is for all intents and purposes a separate dwelling with its own front door, but a shared letter box.

 

Sue

Brought to my knees by the banks, but up and standing again. Nearly.

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I was thinking of getting my neighbour to send a "cease and desist" letter to BCW, if the calls continue.

 

Is it worth it? Would they take any notice of it?

 

Sue

Brought to my knees by the banks, but up and standing again. Nearly.

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Your friend should simply state that they are not teh person they are trying to contact and that you definitely cannot be contacted on that number.

 

If they ask why they said they would pass on a message, just say they were curious, but that has ended and this is starting to feel more like harassment

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