Jump to content
  • Tweets

  • Posts

  • Our picks

    • 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
      • 49 replies
    • 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.
       
        • Thanks
      • 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!
        • Thanks
        • Like

NRAM Posession Claim - 30th January 2014


Please note that this topic has not had any new posts for the last 2477 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

HI,

 

Looking for some advice/guidance.....

 

Have fallen into arrears with NRAM mortgage. We are approximately £3600 in arrears (which was £5600 until I paid £2000 today). The arrears now equates to 3 months.

 

We fell into arrears last year about June, then made a payment of £2000 off the arrears and made an arrangement with NRAM to clear arrears and to be fair they were quite helpful.

 

I fell back into arrears as I have lots going on and think I may be losing the plot. My wife had an accident in work in 2008, she spent a period of time recuperating, but couldn't go back to her job as she wasn't well enough. She then descended into severe depression from early 2010. She was prescribed treatment but her depression got a lot worse (2011/2012) and ended up being admitted to hospital for 2 months when some terrible things happened. This was a terrible time.

 

IN all this time I held down my pressured job, we lost my wifes decent salary on which our mortgage was based, I kept the house and the bills going, but made arrangements with unsecured debtors.

 

I am struggling to keep on top of things, stuff seems to drift and to have one more complication really takes its toll on me. Not looking for sympathy here just telling it as it is.

 

The last NRAM arrangement (November) I just let drift even though I had the money in the bank all because I asked them to set up a direct debit so I didn't have to think about, but they refused and not sure why.

 

Have today received a letter for a possession claim with a hearing date of 30th January. I phoned NRAM and resurrected the payment plan to clear arrears and this time they were willing to set up the direct debit....grrrr

 

I cannot bear to think about adding anymore complications into my life right now, my wife needs me to be there for her and so does my job and I don't want her to worry about anything. I do need to make sure there is no further instability in her life as she could easily go back to the awful place she has been.

 

Sorry don't mean to moan. Anyway any help would be appreciated.

 

Kind regards.

Link to post
Share on other sites

Sorry should mention that we have about 17 years left on the mortgage. We are paying £5 off the unsecured element with the remainder of the income following the completion of income and expenditure exercise today. We are paying £260 off the arrears each month which is pretty much everything.

 

The income and expenditure also included my wifes DLA payment which I am sure should not have been in there.

Edited by Candycravings
Link to post
Share on other sites

Hello there. I'm sorry that this has got so difficult for you.

 

I expect the forum guys and gals will be along over the course of the day, I'm sure they will be able to suggest a way to deal with this. :)

 

I'll keep an eye on this thread and send a couple of SOSs if you don't have replies later on.

 

HB

Illegitimi non carborundum

 

 

 

Link to post
Share on other sites

Thanks HB. I do need to get to grips with myself. I am a grown man. I just need some respite, it's never ending.

 

The guys on this forum are brilliant and should receive funding. The advice and support is always fab. I did donate a small amount of money a couple of years ago just wish it could have been more.

 

There is no telling the amount of lives this forum may have saved.

Link to post
Share on other sites

Hi Candycravings,

 

You'll get help from the experts later in the day.

 

In the meantime have a read of Ell-enn's guide:

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?325527-CAG-guide-Are-you-facing-eviction-or-repossession

 

Always make the mortgage your priority. If you need to cut your payments for any unsecured debts you must do this. Credit card companies always try to pressurise you into paying more than you can afford, but really they have to take what you can realistically pay, and they are well aware of that. Keeping your home is much more important.

 

DD

  • Haha 1
Link to post
Share on other sites

Hello there,

 

Do read Ell-enn's guide, it's very good.

 

A court is only likely to grant outright possession to a lender where you are unable to pay the mortgage plus a tiny bit extra towards the arrears each month. There is caselaw (Cheltenham & Gloucester v Norgan) which reinforces the rule that your arrears *could* be cleared over the duration of the remaining mortgage term. You may well be able to offer less than £250 each month if you're struggling to find that amount of money each month. If you're able to clear the arrears over a faster period then that should go in your favour - its important, though, that you do not offer more than you can genuninely pay. Take a copy of your financial statement along with you to the hearing.

 

You *DO NOT* have to include the DLA in your budget (unless you really want to).

 

Our guide on mortgage arrears can be found here: http://www.nationaldebtline.co.uk/england_wales/guide.php?page=guide-mortgage-arrears

 

If you can pay a little towards the arrears the court are likely to grant a 'suspended possession order' - this means that both parties are bound by the order, as such NRAM should not take any further action unless you breach the payment arrangement.

 

As DD mentions above, if you have to reduce your non-priority credit payments to free up money to put towards the mortgage you should take that approach.

 

ANy further questions please feel free to ask.

 

Best wishes,

 

David @ NDL.

For Free, Confidential and Independent advice: 0808 808 4000

Monday - Friday 9am to 9pm // Saturday 9.30am to 1pm // 24-hour voicemail. Please leave a message to request an information pack. http://www.nationaldebtline.org // http://www.mymoneysteps.org

Link to post
Share on other sites

When someone tells you not to worry it falls on deaf ears but really no worries, read my post it's amazing that there is light at the end, your in a good position go out & fight them,

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...