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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 I have a debt with ebay. The balance atm is £2000.transcom have been taking payments off me for around £30.-40 a week for few months now does anyone know the timescale these dca keep the account for as when I first starting paying they said they only keep account for 3 month then one said 4 then 6 now it's 7 months before ebay recall it. Does anyone know the truth?

Any info would be appreciated

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can you tell us in more detail what has actually happened please, please put up as much as you can and post any letter from the DCA's if you have any in PDF format so we can view and advise you better, it maybe you are paying way to much or that the debt is finally paid already and they are using you as a cash cow?

 

MM

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No I haven't paid the debt off I check ebay each week I pay it is going down I would just like

To know if anyone knows how long they keep accounts for do they keep them till they are paid off

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Ok they will keep their records as required for 6 years whether or not its paid as you are a "customer" and it is an income for them. The 6 years is a requirement under rules set HMRC but once you have finished paying it in full get it confirmed in writing that it is, as someone may try to pull a fast one and try their luck for more money with a different DCA

 

MM

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If a DCA is assigned to collect/manage a debt they will continue to do so until the creditor recalls it or the debt is paid off.

What you really need to be doing is checking your credit reference files to see if there is any entry regarding this account. An entry on credit files if the account is defaulted remains for 6 years after the default date.

 

How long account records are kept is not really relevant.

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A possibility depending on the amount owed.

In that case with TWW who can tell, it will possibly depend on the payments being kept up.

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Ok I did speak to one normal bloke from them once he

Said if they see payments being made regularly they usually

Leave if with them

Best to give all the info you have, saves going over things twice.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Defaults would come before court action, but as you this is not a regulated consumer debt, court action would be a possibility at any time.

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Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Can ebay issue a default on my credit file without any warning?

Are they regulated to issue defaults

See post 13#

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

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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