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

Arrow Global transferred debt to Debt Management Services


Please note that this topic has not had any new posts for the last 2420 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

Hello,

 

Arrow Global via the delightful Eversheds chased us for a debt several years ago (original debt was from 1997). With the expert help from CAG forum members there was a drawn out period of negotiation which ended in Arrow Global discontinuing the claim, just short of going to our local county court. The last payment we made to the debt was on 31st March 2008 - so presently one month short of the SB date!

 

This weekend we received a letter from AG saying they have transferred the management, etc, of this debt to Debt Management Services and that we should contact them.

 

We intend to ignore this letter. Is this the correct way to go? Can they get the ball rolling again in the space of one month?

 

AG via Eversheds never complied with any CCA requests, hence there is no original copy of any agreement.

 

I (being the wife) cannot bear to have to go through all that again - it made me physically ill last time with the harrassment, etc.

 

Many thanks for any help.

Link to post
Share on other sites

Hi and welcome (finally) to CAG

 

It seems DMS have been around for quite a while but have a low profile. I haven't seen much on the forum about them.

 

A little more info on what the debt was and how you saw the originals off may assist in giving you answers to this one.

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

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Link to post
Share on other sites

DMS specialise in chasing mortgage arrears/ home visits to collect arrears/ tracing etc., A very persistent company.

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:

Link to post
Share on other sites
Hi and welcome (finally) to CAG

 

It seems DMS have been around for quite a while but have a low profile. I haven't seen much on the forum about them.

 

A little more info on what the debt was and how you saw the originals off may assist in giving you answers to this one.

 

 

Thanks for reading.

Background info is:

The original debt was a personal loan from Lloyds TSB (unsecured debt) for just under £6K back in 1997. For one reason or another we fell into arrears with this debt. It was eventually passed onto Arrow Global where Eversheds dealt with it, who decided to take further action including threats of a charging order. We entered into a payment plan for £50 per month (total of £250 was paid - last payment being made on 31st March 2008). Then I discovered CAG (am unable to remember my original user name so have re-registered). With the help of CAG we went through all the standard requests, CCA, etc, which they failed to comply with. I remember taking documents by hand several miles from our address to Bradford County Court - had it not been for a member of CAG correcting the timescale for this, we would have missed the deadline hence it was a mad rush by car the very same night - and I am eternally thankful for this - as I said in a post at the time! The case was transferred to our local county court when we filed a defence and AG sent a notice of discontinuance dated 15th October 2008.

 

Everything was quiet until we recevied a letter from DMS Ltd dated 25/2/14 - i.e one month short of 6 years when we made our last payment towards the debt.

 

Many thanks for any advice.

Link to post
Share on other sites

I don't see how DMS can do much. The court case was discontinued. AG failed to comply with their legal obligations. As such, this account is still in dispute.

 

While I would be tempted to just ignore them, you may think differently. You may wish to send a prove it letter or a doorstep letter removing their right to visit you.

 

If you do choose to write, always head your letter,

 

"I acknowledge no debt to you nor any company you represent."

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

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Link to post
Share on other sites

DMS are just " managing" the account so a CCA request is in order here as the SB date looms.

 

 

Has there been an written acknowledgment of the debt since the last payment?

 

 

Have you checked your credit reference files? If not it would be a good idea to do so.

 

 

Do you know the default date?

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:

Link to post
Share on other sites
  • 2 weeks later...

Thank you for reading. We made our last payment on 31st March 2008. There then was varying correspondence between ourselves, the Court and Eversheds between April 2008 and the Notice of Discontinuance was dated 15th October 2008. Eversheds failed to comply with disclosure of documents by the deadline date of 15th Aug 2008 and this is what most of the correspondence was about - the cheeky beggars even asked for an extension of time! No further correspondence from us or from them has been received since 15th Ocober 2008. Therefore when does the debt become statute barred - is it 31/3/14 or 15/10/14?

 

To date we have in the last week been left 2 answerphone messages asking us to contact the new company (DMS). We have ignored these calls. There is nothing on our credit files regarding this debt. I am unable to remember the default date.

Link to post
Share on other sites

You may be able to get default date from Lloyds, though they could claim it's no longer on their records.

Bar date would be delayed if you acknowledged the debt go letters to Eversheds and if Arrow are aware of it.

I know you are worried but imho, from my knowledge of Debt Managers, you don't need to be, even with SB looming . They are useless.

Contrary to what has been posted above, they're not "specialist" [they do anything and everything, just dogsbodies], nor are they persistent [unless you tug their tails they usually go away after 2 or 3 letters], nor are they particularly low profile [eg they are one of Arrow.s DCAs of choice].

If you ignore, they may set Scotcall onto you [which is like being savaged by a poodle] and / or send a letter pretending to be from solicitor Aitken Russel, threatening to refer the matter to D M Investigation Bureau. So called .

At that stage it goes back to Arrow.

 

I can't guarantee it, but that's from my own understanding and experience.

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

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...