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.
       
      • 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

Downgrading account?


Please note that this topic has not had any new posts for the last 2450 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

Wondering if anyone knows about downgrading my bank account with Santander. They have been quite useless so far.

 

 

In the middle of last year I wanted to downgrade my account from a Current Account (with a visa debit card) to a Basic Account (with just a cash only card).

 

There is a logical and personal reason for this which I won't go into too much detail about.

 

Anyway. I went down to the Santander branch to ask, they said they could not discuss it with me as I did not have photographic ID.

 

I tried phoning them a few times but each time the line was busy and I was put on hold (Waited 30 mins each time before hanging up, I'm not running up my phone bill cost).

 

I used the online banking "secure messaging" system to contact them.

 

My first message was went in September... A few days later no reply.

 

I sent a second message... Had a reply 2 days after that saying they had passed my request onto the relevant department and will be in touch very shortly.

 

A month later and they had not got in touch with me, I sent another secure message and never heard anything back from them.

 

 

 

Can they actually do my request or have they ignored me because clueless staff have no idea if it can be done?

 

 

 

Another question was if this can be done, does anyone know if my account number will remain the same?

 

Also I get paid weekly. I cant remember If I get a bank transfer to my bank account number or if they send payment to my debit card.... Will my money still go in if I downgraded my account to a "cash only" account with a cash card, and they were still sending money to my debit card?

 

Thanks

Link to post
Share on other sites

I don't know for sure if it can be done. I would guess that it's likely that you can.

 

If the type of account is changed then your sort code and account number will remain the same.

 

You are paid using your sort code and account number (it goes into the account, not your card).

 

If you opened a new basic account then this would have a separate sort code and account number (it might actually be quicker to do this :razz:).

 

Although I would try phoning again - I don't have to call often but I have never had to wait long.

If not then make a complaint and I'm sure they will get it sorted then.

Link to post
Share on other sites

Thanks very much CagBmn.

 

I think that seems like the option then (phoning them). I'm sure opening a new basic account would be quicker but the only problem then is I would have to change over about 7 direct debits and change the account my weekly wages go into.

 

Thats a relief that it would be paid into the account, just means it's 1 less thing when/if Santander play ball.

 

I dont understand their concept of "secure messaging". I always thought it was a system for people who don't have enough free time to go into the bank or wait on the phone to talk direct about account enquiries in their own time. However when Santander blatantly ignore the messages, it makes this form of contact useless.

 

As I remember, I used to have a "basic account", however Santander upgraded that to a Current account with a "Visa Electron" card, without even asking me... They just did it. Then a while later the card was upgraded to a "Visa Debit".... again without asking.

 

Anyway, thanks again for the reply, will try and get it sorted

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

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...